Debit card
Visa, Mastercard & UnionPay (PKR)
Official doc- Online & in shops abroad
- 4%
- ATM cash abroad
- 4% (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
Checked · Schedule Jul–Dec 2026
HBL foreign transaction feeand everything else you pay on a card abroad
Habib Bank Limited charges 4% on its debit card, 4% on its credit card and 4% on its USD debit 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 HBL's own schedule of charges highlighted.
Credit card
Green, Gold, Platinum, FuelSaver
Official doc- Online & in shops abroad
- 4%
- 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
USD debit card
Visa Chip USD — from a dollar account
Official doc- Online & in shops abroad
- 4%
- ATM cash abroad
- 4% (min $3)
- Tax on the fee
- + 15–16% provincial sales tax
- 236Y advance tax
- 0.5% filer · 1% non-filer
- Paid from your USD account, so there's no rupee conversion. Shown in rupees only to compare.
- HBL's fee waiver on this card has ended. Its campaign page says the 4% "will resume from 01st Aug 2026", though the same terms date the waiver June–July 2025.
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.
| You pay | In rupees | Bank fee | Tax on fee | 236Y | Total | Extra |
|---|---|---|---|---|---|---|
| $5 | Rs 1,385.27 | Rs 55.41 | Rs 8.87 | Rs 6.93 | Rs 1,456.48 | 5.1% |
| $20 | Rs 5,541.10 | Rs 221.64 | Rs 35.46 | Rs 27.71 | Rs 5,825.91 | 5.1% |
| $50 | Rs 13,852.75 | Rs 554.11 | Rs 88.66 | Rs 69.26 | Rs 14,564.78 | 5.1% |
| $100 | Rs 27,705.49 | Rs 1,108.22 | Rs 177.32 | Rs 138.53 | Rs 29,129.56 | 5.1% |
| $500 | Rs 138,527.47 | Rs 5,541.10 | Rs 886.58 | Rs 692.64 | Rs 145,647.79 | 5.1% |
| You pay | In rupees | Bank fee | Tax on fee | 236Y | Total | Extra |
|---|---|---|---|---|---|---|
| $5 | Rs 1,385.27 | Rs 55.41 | Rs 8.87 | Rs 6.93 | Rs 1,456.48 | 5.1% |
| $20 | Rs 5,541.10 | Rs 221.64 | Rs 35.46 | Rs 27.71 | Rs 5,825.91 | 5.1% |
| $50 | Rs 13,852.75 | Rs 554.11 | Rs 88.66 | Rs 69.26 | Rs 14,564.78 | 5.1% |
| $100 | Rs 27,705.49 | Rs 1,108.22 | Rs 177.32 | Rs 138.53 | Rs 29,129.56 | 5.1% |
| $500 | Rs 138,527.47 | Rs 5,541.10 | Rs 886.58 | Rs 692.64 | Rs 145,647.79 | 5.1% |
| You pay | In rupees | Bank fee | Tax on fee | 236Y | Total | Extra |
|---|---|---|---|---|---|---|
| $5 | Rs 1,385.27 | Rs 55.41 | Rs 8.87 | Rs 6.93 | Rs 1,456.48 | 5.1% |
| $20 | Rs 5,541.10 | Rs 221.64 | Rs 35.46 | Rs 27.71 | Rs 5,825.91 | 5.1% |
| $50 | Rs 13,852.75 | Rs 554.11 | Rs 88.66 | Rs 69.26 | Rs 14,564.78 | 5.1% |
| $100 | Rs 27,705.49 | Rs 1,108.22 | Rs 177.32 | Rs 138.53 | Rs 29,129.56 | 5.1% |
| $500 | Rs 138,527.47 | Rs 5,541.10 | Rs 886.58 | Rs 692.64 | Rs 145,647.79 | 5.1% |
| You withdraw | In rupees | Bank fee | Tax on fee | 236Y | Total | Extra |
|---|---|---|---|---|---|---|
| $100 | Rs 27,705.49 | Rs 1,108.22 | Rs 177.32 | Rs 138.53 | Rs 29,129.56 | 5.1% |
| $300 | Rs 83,116.48 | Rs 3,324.66 | Rs 531.95 | Rs 415.58 | Rs 87,388.67 | 5.1% |
| You withdraw | In rupees | Bank fee | Tax on fee | 236Y | Total | Extra |
|---|---|---|---|---|---|---|
| $100 | Rs 27,705.49 | Rs 1,108.22 | Rs 177.32 | Rs 138.53 | Rs 29,129.56 | 5.1% |
| $300 | Rs 83,116.48 | Rs 3,324.66 | Rs 531.95 | Rs 415.58 | Rs 87,388.67 | 5.1% |
min the minimum fee applied. Sindh accounts paying a foreign streaming, software or cloud service add 3%.
The receipts
Where these numbers come from
HBL'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.
-
HBL · Schedule of Bank Charges, July–December 2026 · PDF p.23 of 35 (printed p.21)
HBL debit: 4% on international POS & online; FED/ST applicable
“f · POS Transaction fee per transaction, International — Visa Chip: 4% of Transaction Amount … MasterCard World: 4% · FED/ST Applicable: YES”
-
HBL · Schedule of Bank Charges, July–December 2026 · PDF p.23 of 35 (printed p.21)
HBL debit: ATM abroad 4% or Rs 300
“g · ATMs International (Cash withdrawal) — 4% of Transaction Amount or Rs.300/- per Transaction, whichever is higher”
-
HBL · Schedule of Bank Charges, July–December 2026 · PDF p.17 of 35 (printed p.16)
HBL credit: 4% foreign transaction charge
“q · Foreign Transaction Charges — 4% of transaction amount”
Compare
How HBL compares
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% |
| 2NayaPay · Visa debit | $0.25 flat | Rs 5,649.15 | 1.9% |
| 3Meezan · FCY debit card | 3% | Rs 5,761.64 | 4.0% |
| 4Askari · Ikhlas Visa debit | 3.5% | Rs 5,793.78 | 4.6% |
| 5Allied Bank · Credit card | up to 4% | Rs 5,825.91 | 5.1% |
| 6Allied Bank · Debit card | 4% (min Rs 100) | Rs 5,825.91 | 5.1% |
| 7BankIslami · Debit card | 4% | Rs 5,825.91 | 5.1% |
| 8HBL · Credit card | 4% | Rs 5,825.91 | 5.1% |
| 9HBL · Debit card | 4% | Rs 5,825.91 | 5.1% |
| 10HBL · USD debit card | 4% | Rs 5,825.91 | 5.1% |
| 11Mashreq NEO · NEO debit | 4% | Rs 5,825.91 | 5.1% |
| 12MCB · Credit card | 4% (min Rs 100) | Rs 5,825.91 | 5.1% |
| 13Meezan · Debit card | 4% | Rs 5,825.91 | 5.1% |
| 14NBP · Virtual card | 4% | Rs 5,825.91 | 5.1% |
| 15Raqami · Visa debit | 4% | Rs 5,825.91 | 5.1% |
| 16Bank of Punjab · Debit card | 4.25% | Rs 5,841.99 | 5.4% |
| 17MCB · Debit card | 4.4% (min Rs 100) | Rs 5,851.63 | 5.6% |
| 18Bank Alfalah · Credit card | 4.5% (min Rs 125) | Rs 5,858.06 | 5.7% |
| 19Bank Alfalah · Debit card | 4.5% | Rs 5,858.06 | 5.7% |
| 20Bank AL Habib · Credit card | 4.5% | Rs 5,858.06 | 5.7% |
| 21Bank AL Habib · Visa debit card | 4.5% | Rs 5,858.06 | 5.7% |
| 22Faysal Bank · Noor credit card | 4.5% | Rs 5,858.06 | 5.7% |
| 23UBL · Credit card | 4.5% (min Rs 100) | Rs 5,858.06 | 5.7% |
| 24UBL · Debit card | 4.5% (min Rs 150) | Rs 5,858.06 | 5.7% |
| 25Askari · Credit card | 4.85% | Rs 5,880.55 | 6.1% |
| 26SadaPay · Mastercard | 6% (+Rs 55 up to Rs 800), tax included | Rs 5,901.28 | 6.5% |
| 27JS Bank · Debit card | 4.5% (min Rs 350) | Rs 5,974.81 | 7.8% |
| 28NBP · Debit card | 4% (min Rs 350) | Rs 5,974.81 | 7.8% |
| 29Standard Chartered · Credit card | up to 6% + Re 1/USD | Rs 5,977.68 | 7.9% |
| 30Standard Chartered · Debit card | up to 8% | Rs 6,083.03 | 9.8% |
| 31JS Bank · Credit card | 5% (min Rs 450) | Rs 6,090.81 | 9.9% |
Questions
HBL's charges, answered
How much does HBL charge on international transactions?
Debit card (Visa, Mastercard & UnionPay (PKR)): 4% of the payment. Credit card (Green, Gold, Platinum, FuelSaver): 4% of the payment. USD debit card (Visa Chip USD — from a dollar account): 4% of the payment. On a $20 card payment by a filer with an account in Punjab, the credit card costs Rs 5,825.91 in total, Rs 284.81 (5.1%) more than the market rate.
Is there tax on HBL'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 HBL charge to withdraw cash abroad?
Debit card: 4% (min Rs 300) per withdrawal. USD debit card: 4% (min $3) per withdrawal. Taking out $100 with the debit card costs Rs 29,129.56 in all, including tax on the fee and 236Y.
Where do these HBL 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.