Bank AL Habib Debit Card Charges and Limits 2026: Every Card's Annual Fee and Daily Limit in Pakistan (With Pictures)

We read Bank AL Habib's debit cards page and its schedule of bank charges for July to December 2026 on 9 November 2026. Both are on bankalhabib.com. The page gives each card's daily limits and who qualifies, and the schedule gives the fees. All fees are before federal excise duty. Below, each card has the bank's own picture, its fee and its limits, so you can pick the cheapest card that covers what you spend.

Bank AL Habib debit card fees and limits compared

The yearly fee is also the issue and replacement fee for each Bank AL Habib card. Higher cards cost more but allow more cash and shopping a day. Silver allows Rs 200,000 cash a day, Gold Rs 250,000, Platinum Rs 300,000 and Signature Rs 1 million.

Transfers here means funds transfer across accounts. Supplementary cards have lower limits and cannot transfer funds. For how Bank AL Habib compares with other banks, see our debit card annual fees list.

Every Bank AL Habib debit card, with its picture

Bank AL Habib offers six main debit cards for rupee accounts. PayPak works only in Pakistan. Visa and UnionPay work in Pakistan and abroad. Choose the card by the most cash you need in a day, not by the colour.

PayPak debit card

Rs 2,750 a year, for use in Pakistan only. The fee is waived on the Current, Current Plus and Apna Individual accounts if you keep a monthly average balance of Rs 25,000, and on the Remit account at Rs 5,000. This is the cheapest card if you never pay in a foreign currency.

UnionPay debit card

Rs 3,000 a year and Rs 2,000 for a supplementary card. It works abroad too, with the same 4.5% charge on foreign cash and purchases as the Visa cards. The page does not list its daily limits, so ask the bank.

Visa Silver debit card

Rs 3,700 a year and Rs 2,700 for each of up to 2 supplementary cards. Limits are Rs 200,000 cash, Rs 250,000 shopping and Rs 300,000 transfers a day. The Remit and AL Habib Woman debit cards carry the same fee and limits.

Visa Gold debit card

Rs 4,500 a year and Rs 3,500 for each of up to 5 supplementary cards. Limits are Rs 250,000 cash, Rs 500,000 shopping and Rs 400,000 transfers a day. The Digital Account Gold card costs the same, with a Rs 200,000 cash limit.

Visa Platinum debit card

Rs 10,000 a year and Rs 7,000 for each of up to 3 supplementary cards. Limits are Rs 300,000 cash, Rs 1 million shopping and Rs 500,000 transfers a day. You need a salary of Rs 150,000 a month, or Rs 200,000 kept as a monthly average balance or deposited when the card is issued.

Visa Signature debit card

Rs 23,000 a year, and the same for each of up to 3 supplementary cards. Limits are Rs 1 million cash, Rs 1.5 million shopping and Rs 2 million transfers a day. You need a salary of Rs 750,000 a month or Rs 2 million in deposits, kept on average for 180 days if you are already a customer.

Bank AL Habib debit card charges at ATMs and abroad

On every card, cash from another bank's ATM in Pakistan costs Rs 35 and a balance check there Rs 4.67. A printed ATM receipt costs Rs 4.67. Abroad, cash costs 4.5% or Rs 300, whichever is higher, and card payments in a foreign currency cost 4.5%.

So Rs 50,000 taken from an ATM abroad costs Rs 2,250 in bank charges, on top of the exchange rate. For cheaper options abroad, see our list of ATM charges abroad on Pakistani cards.

Bank AL Habib Freelancer dollar debit card

The Freelancer card runs on a dollar exporters' account and costs USD 14 a year. It allows about Rs 750,000 a day in shopping and online payments, and about Rs 300,000 a day in cash abroad, in dollars. It cannot withdraw cash in Pakistan.

It suits freelancers who pay for software, courses and subscriptions in dollars. Cash abroad costs 4.5% or USD 3, whichever is higher, and a balance check abroad USD 1. Foreign card payments cost 4.5%.

How to get, activate or block a Bank AL Habib debit card

New customers ask for the card on the account opening form. Existing customers call 021 111 014 014 or visit their branch. Activate the card at an ATM, through the call centre, in Netbanking or in the AL Habib Mobile app.

1. Check that your salary or balance meets the card's rule, above.
2. Apply through the account form, the call centre or your branch.
3. When the card arrives, activate it at an ATM, the call centre, Netbanking or AL Habib Mobile.
4. Register for AL Habib Mobile, so you can block the card yourself if you ever need to.
5. If the card is lost or stolen, block it at once in the app or Netbanking, or call 021 111 014 014 from your registered number.

Under SBP rules, the annual fee starts only after you activate the card, as our guide to the annual fee after activation rule explains. You can also turn off online and foreign payments on a card you rarely use abroad.

Common questions

What is the Bank AL Habib debit card annual fee in 2026?

Rs 2,750 for PayPak, Rs 3,000 for UnionPay, Rs 3,700 for Visa Silver, Rs 4,500 for Visa Gold, Rs 10,000 for Visa Platinum and Rs 23,000 for Visa Signature, before federal excise duty.

What is the Bank AL Habib ATM cash limit a day?

Rs 200,000 on Visa Silver, Rs 250,000 on Gold, Rs 300,000 on Platinum and Rs 1 million on Signature for the main card. Supplementary cards have lower limits.

Can I avoid the Bank AL Habib PayPak card fee?

Yes, on the Current, Current Plus and Apna Individual accounts if your monthly average balance is Rs 25,000, or Rs 5,000 on the Remit account.

Who can get the Bank AL Habib Visa Platinum debit card?

Someone with a salary of Rs 150,000 a month, or a monthly average balance of Rs 200,000 for existing customers, or a Rs 200,000 deposit for new ones.

How do I activate a Bank AL Habib debit card?

At a Bank AL Habib ATM, through the 24 hour call centre on 021 111 014 014, in Netbanking or in the AL Habib Mobile app.

Does a Bank AL Habib debit card work abroad?

Visa and UnionPay cards do. PayPak works only in Pakistan. Abroad, cash costs 4.5% or Rs 300, whichever is higher, and purchases cost 4.5%.

How we verified this

What we checked, where we read it, and what we could not confirm.

We read Bank AL Habib's debit cards page and its schedule of bank charges for July to December 2026 on 9 November 2026. Card pictures are the bank's own. The Rs 2,250 example is our arithmetic. For every other fee, see the Bank AL Habib schedule of charges.