Credit card
Classic & Platinum
Reported- Online & in shops abroad
- 5% (min Rs 450)
- 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
Checked · Schedule Jul–Dec 2026
JS Bank foreign transaction feeand everything else you pay on a card abroad
JS Bank charges 5% (min Rs 450) 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 JS Bank's own document: the badges say where each figure does.
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 450.00min | Rs 72.00 | Rs 6.93 | Rs 1,914.20 | 38.2% |
| $20 | Rs 5,541.10 | Rs 450.00min | Rs 72.00 | Rs 27.71 | Rs 6,090.81 | 9.9% |
| $50 | Rs 13,852.75 | Rs 692.64 | Rs 110.82 | Rs 69.26 | Rs 14,725.47 | 6.3% |
| $100 | Rs 27,705.49 | Rs 1,385.27 | Rs 221.64 | Rs 138.53 | Rs 29,450.93 | 6.3% |
| $500 | Rs 138,527.47 | Rs 6,926.37 | Rs 1,108.22 | Rs 692.64 | Rs 147,254.70 | 6.3% |
min the minimum fee applied. Sindh accounts paying a foreign streaming, software or cloud service add 3%.
The receipts
Where these numbers come from
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.
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which.pk · Best Credit Card in Pakistan? Fees, Markup, Lounges (2026) · captured 28 Oct 2026, 21:15 PKT
Credit card fees for UBL, Askari, JS, Standard Chartered, Bank AL Habib, Faysal (from their Jul–Dec 2026 documents)
“Askari's Mastercard cards… 4.85% on foreign transactions (schedule effective 10 July 2026)”
Compare
How JS Bank 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% |
| 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
JS Bank's charges, answered
How much does JS Bank charge on international transactions?
Credit card (Classic & Platinum): 5% (min Rs 450) of the payment. On a $20 card payment by a filer with an account in Punjab, the credit card costs Rs 6,090.81 in total, Rs 549.71 (9.9%) more than the market rate.
Is there tax on JS Bank'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.
Where do these JS Bank figures come from?
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.