Checked · Schedule 2026
Bank AL Habib charges 4.5% on its Visa Platinum debit 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 every source highlighted. Not all of it comes from Bank AL Habib's own document: the badges say where each figure does.
Visa Platinum
Official excerptSchedule: 2026
Platinum
ReportedSchedule: 2026
Worked examples
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.
| You pay | In rupees | Bank fee | Tax on fee | 236Y | Total | Extra |
|---|---|---|---|---|---|---|
| $5 | Rs 1,385.27 | Rs 62.34 | Rs 9.97 | Rs 6.93 | Rs 1,464.51 | 5.7% |
| $20 | Rs 5,541.10 | Rs 249.35 | Rs 39.90 | Rs 27.71 | Rs 5,858.06 | 5.7% |
| $50 | Rs 13,852.75 | Rs 623.37 | Rs 99.74 | Rs 69.26 | Rs 14,645.12 | 5.7% |
| $100 | Rs 27,705.49 | Rs 1,246.75 | Rs 199.48 | Rs 138.53 | Rs 29,290.25 | 5.7% |
| $500 | Rs 138,527.47 | Rs 6,233.74 | Rs 997.40 | Rs 692.64 | Rs 146,451.25 | 5.7% |
| You pay | In rupees | Bank fee | Tax on fee | 236Y | Total | Extra |
|---|---|---|---|---|---|---|
| $5 | Rs 1,385.27 | Rs 62.34 | Rs 9.97 | Rs 6.93 | Rs 1,464.51 | 5.7% |
| $20 | Rs 5,541.10 | Rs 249.35 | Rs 39.90 | Rs 27.71 | Rs 5,858.06 | 5.7% |
| $50 | Rs 13,852.75 | Rs 623.37 | Rs 99.74 | Rs 69.26 | Rs 14,645.12 | 5.7% |
| $100 | Rs 27,705.49 | Rs 1,246.75 | Rs 199.48 | Rs 138.53 | Rs 29,290.25 | 5.7% |
| $500 | Rs 138,527.47 | Rs 6,233.74 | Rs 997.40 | Rs 692.64 | Rs 146,451.25 | 5.7% |
min the minimum fee applied. Sindh accounts paying a foreign streaming, software or cloud service add 3%.
The receipts
The documents these figures come from, with the lines we read highlighted. The taxes on every card come from FBR's rate card and the provincial tax laws.
Bank AL Habib · Visa Platinum Debit Card — product page
“4.50% of transaction amount for international POS and e-commerce transactions”
which.pk · Best Credit Card in Pakistan? Fees, Markup, Lounges (2026) · captured 28 Oct 2026, 21:15 PKT
“Askari's Mastercard cards… 4.85% on foreign transactions (schedule effective 10 July 2026)”
Compare
Every card for a $20 card payment, cheapest first (filer, Punjab, Rs 277.05 per dollar).
| Card | Fee | Total for $20 | Extra |
|---|---|---|---|
| 1Zindigi · Visa debit | 1%, tax included | Rs 5,624.22 | 1.5% |
| 2Meezan · FCY debit card | 3% | Rs 5,761.64 | 4.0% |
| 3Allied Bank · Credit card | up to 4% | Rs 5,825.91 | 5.1% |
| 4Allied Bank · Debit card | 4% (min Rs 100) | Rs 5,825.91 | 5.1% |
| 5BankIslami · Debit card | 4% | Rs 5,825.91 | 5.1% |
| 6HBL · Credit card | 4% | Rs 5,825.91 | 5.1% |
| 7HBL · Debit card | 4% | Rs 5,825.91 | 5.1% |
| 8HBL · USD debit card | 4% | Rs 5,825.91 | 5.1% |
| 9Mashreq NEO · NEO debit | 4% | Rs 5,825.91 | 5.1% |
| 10MCB · Credit card | 4% (min Rs 100) | Rs 5,825.91 | 5.1% |
| 11Meezan · Debit card | 4% | Rs 5,825.91 | 5.1% |
| 12Raqami · Visa debit | 4% | Rs 5,825.91 | 5.1% |
| 13Bank of Punjab · Debit card | 4.25% | Rs 5,841.99 | 5.4% |
| 14MCB · Debit card | 4.4% (min Rs 100) | Rs 5,851.63 | 5.6% |
| 15Bank Alfalah · Credit card | 4.5% (min Rs 125) | Rs 5,858.06 | 5.7% |
| 16Bank Alfalah · Debit card | 4.5% | Rs 5,858.06 | 5.7% |
| 17Bank AL Habib · Credit card | 4.5% | Rs 5,858.06 | 5.7% |
| 18Bank AL Habib · Visa Platinum debit | 4.5% | Rs 5,858.06 | 5.7% |
| 19Faysal Bank · Noor credit card | 4.5% | Rs 5,858.06 | 5.7% |
| 20UBL · Credit card | 4.5% (min Rs 100) | Rs 5,858.06 | 5.7% |
| 21Askari · Credit card | 4.85% | Rs 5,880.55 | 6.1% |
| 22SadaPay · Mastercard | 6% (+Rs 55 up to Rs 800), tax included | Rs 5,901.28 | 6.5% |
| 23Standard Chartered · Credit card | up to 6% + Re 1/USD | Rs 5,977.68 | 7.9% |
| 24JS Bank · Credit card | 5% (min Rs 450) | Rs 6,090.81 | 9.9% |
Questions
Visa Platinum debit (Visa Platinum): 4.5% of the payment. Credit card (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.
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.
From the bank's own document, but only a search-engine excerpt could be read; the file itself was blocked. Reported by which.pk, citing the bank's July–December 2026 documents; we couldn't open those ourselves. The exact lines are highlighted below, and the full documents are on Jhatka's documents page.
