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Checked · Schedule Jul–Dec 2026

Bank AL Habib foreign transaction feeand everything else you pay on a card abroad

Bank AL Habib charges 4.5% on its Visa debit card and 4.5% on its credit card when you pay in a foreign currency, plus provincial sales tax on that fee. On top comes 0.5% advance tax under Section 236Y (1% for non-filers). Here's what that adds up to, with Bank AL Habib's own schedule of charges highlighted.

Visa debit card

Silver to Signature (UnionPay the same)

Official doc
Online & in shops abroad
4.5%
ATM cash abroad
4.5% (min Rs 300)
Tax on the fee
+ 15–16% provincial sales tax
236Y advance tax
0.5% filer · 1% non-filer

Schedule: Jul–Dec 2026

Credit card

Green, Gold & Platinum

Official doc
Online & in shops abroad
4.5%
ATM cash abroad
Not compared for credit cards
Tax on the fee
+ 15–16% provincial sales tax
236Y advance tax
0.5% filer · 1% non-filer

Schedule: Jul–Dec 2026

Worked examples

What a payment really costs

At Rs 277.05 per US dollar (market rate, 28 Oct 2026), for a filer with an account in Punjab. The dollar moves every day; the calculator uses today's rate.

Bank AL Habib Visa debit card · Card payment, online or in a shop
You payIn rupeesBank feeTax on fee236YTotalExtra
$5Rs 1,385.27Rs 62.34Rs 9.97Rs 6.93Rs 1,464.515.7%
$20Rs 5,541.10Rs 249.35Rs 39.90Rs 27.71Rs 5,858.065.7%
$50Rs 13,852.75Rs 623.37Rs 99.74Rs 69.26Rs 14,645.125.7%
$100Rs 27,705.49Rs 1,246.75Rs 199.48Rs 138.53Rs 29,290.255.7%
$500Rs 138,527.47Rs 6,233.74Rs 997.40Rs 692.64Rs 146,451.255.7%
Bank AL Habib credit card · Card payment, online or in a shop
You payIn rupeesBank feeTax on fee236YTotalExtra
$5Rs 1,385.27Rs 62.34Rs 9.97Rs 6.93Rs 1,464.515.7%
$20Rs 5,541.10Rs 249.35Rs 39.90Rs 27.71Rs 5,858.065.7%
$50Rs 13,852.75Rs 623.37Rs 99.74Rs 69.26Rs 14,645.125.7%
$100Rs 27,705.49Rs 1,246.75Rs 199.48Rs 138.53Rs 29,290.255.7%
$500Rs 138,527.47Rs 6,233.74Rs 997.40Rs 692.64Rs 146,451.255.7%
Bank AL Habib Visa debit card · Cash withdrawal abroad
You withdrawIn rupeesBank feeTax on fee236YTotalExtra
$100Rs 27,705.49Rs 1,246.75Rs 199.48Rs 138.53Rs 29,290.255.7%
$300Rs 83,116.48Rs 3,740.24Rs 598.44Rs 415.58Rs 87,870.745.7%

min the minimum fee applied. Sindh accounts paying a foreign streaming, software or cloud service add 3%.

Work out your own amount

The receipts

Where these numbers come from

Bank AL Habib's own documents, with the lines we read highlighted. The taxes on every card come from FBR's rate card and the provincial tax laws.

  1. Highlighted extract from Bank AL Habib's Schedule of Bank Charges, 1 Jul – 31 Dec 2026, page 15: Bank AL Habib Visa debit: 4.50% on international purchases & e-commerce; ATM 4.50% or Rs 300

    Bank AL Habib · Schedule of Bank Charges, 1 Jul – 31 Dec 2026 · PDF p.15 of 24 (printed p.14)

    Bank AL Habib Visa debit: 4.50% on international purchases & e-commerce; ATM 4.50% or Rs 300

    “j. International Retail Purchase & E-Commerce Transaction — 4.50% on transaction amount · c. International ATM Cash Withdrawal — 4.50% of transaction amount or Rs. 300 whichever is higher”

    Open the PDF at p.15With the full page

  2. Highlighted extract from Bank AL Habib's Schedule of Bank Charges, 1 Jul – 31 Dec 2026, page 16: Bank AL Habib credit cards: 4.50% on foreign transactions

    Bank AL Habib · Schedule of Bank Charges, 1 Jul – 31 Dec 2026 · PDF p.16 of 24 (printed p.15)

    Bank AL Habib credit cards: 4.50% on foreign transactions

    “i. Charge on Foreign Transactions — 4.50% on transaction amount”

    Open the PDF at p.16With the full page

Compare

How Bank AL Habib compares

Every card for a $20 card payment, cheapest first (filer, Punjab, Rs 277.05 per dollar).

CardFeeTotal for $20Extra
1Zindigi · Visa debit1%, tax includedRs 5,624.221.5%
2NayaPay · Visa debit$0.25 flatRs 5,649.151.9%
3Meezan · FCY debit card3%Rs 5,761.644.0%
4Askari · Ikhlas Visa debit3.5%Rs 5,793.784.6%
5Allied Bank · Credit cardup to 4%Rs 5,825.915.1%
6Allied Bank · Debit card4% (min Rs 100)Rs 5,825.915.1%
7BankIslami · Debit card4%Rs 5,825.915.1%
8HBL · Credit card4%Rs 5,825.915.1%
9HBL · Debit card4%Rs 5,825.915.1%
10HBL · USD debit card4%Rs 5,825.915.1%
11Mashreq NEO · NEO debit4%Rs 5,825.915.1%
12MCB · Credit card4% (min Rs 100)Rs 5,825.915.1%
13Meezan · Debit card4%Rs 5,825.915.1%
14NBP · Virtual card4%Rs 5,825.915.1%
15Raqami · Visa debit4%Rs 5,825.915.1%
16Bank of Punjab · Debit card4.25%Rs 5,841.995.4%
17MCB · Debit card4.4% (min Rs 100)Rs 5,851.635.6%
18Bank Alfalah · Credit card4.5% (min Rs 125)Rs 5,858.065.7%
19Bank Alfalah · Debit card4.5%Rs 5,858.065.7%
20Bank AL Habib · Credit card4.5%Rs 5,858.065.7%
21Bank AL Habib · Visa debit card4.5%Rs 5,858.065.7%
22Faysal Bank · Noor credit card4.5%Rs 5,858.065.7%
23UBL · Credit card4.5% (min Rs 100)Rs 5,858.065.7%
24UBL · Debit card4.5% (min Rs 150)Rs 5,858.065.7%
25Askari · Credit card4.85%Rs 5,880.556.1%
26SadaPay · Mastercard6% (+Rs 55 up to Rs 800), tax includedRs 5,901.286.5%
27JS Bank · Debit card4.5% (min Rs 350)Rs 5,974.817.8%
28NBP · Debit card4% (min Rs 350)Rs 5,974.817.8%
29Standard Chartered · Credit cardup to 6% + Re 1/USDRs 5,977.687.9%
30Standard Chartered · Debit cardup to 8%Rs 6,083.039.8%
31JS Bank · Credit card5% (min Rs 450)Rs 6,090.819.9%

Questions

Bank AL Habib's charges, answered

How much does Bank AL Habib charge on international transactions?

Visa debit card (Silver to Signature (UnionPay the same)): 4.5% of the payment. Credit card (Green, Gold & Platinum): 4.5% of the payment. On a $20 card payment by a filer with an account in Punjab, the credit card costs Rs 5,858.06 in total, Rs 316.96 (5.7%) more than the market rate.

Is there tax on Bank AL Habib's foreign transaction fee?

Yes. Provincial sales tax is added to the fee, at 15–16% depending on the province of your account's branch. 236Y advance tax of 0.5% (filer) or 1% (non-filer) is charged on the whole amount.

How much does Bank AL Habib charge to withdraw cash abroad?

Visa debit card: 4.5% (min Rs 300) per withdrawal. Taking out $100 with the Visa debit card costs Rs 29,290.25 in all, including tax on the fee and 236Y.

Where do these Bank AL Habib figures come from?

Read directly from the bank's own current schedule. The exact lines are highlighted below, and the full documents are on Jhatka's documents page.