Bank AL Habib Debit Card Discounts & Fees

Bank AL Habib debit cardholders get discounts on dining, fuel, and travel through active merchant tie-ups, alongside card fees and daily transfer limits that vary by card tier.

Part of PakFinHub's Bank AL Habib coverage — see the full bank overview.

Last Verified: Aug 23, 2026
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Updated Regularly

Written & reviewed by Dildar Hussain — 10+ years in Pakistani banking, BS Banking & Finance (NUML University)

Bank AL Habib debit card discounts pages go stale fast — offers expire, terms change, merchants rotate in and out. Everything here is sourced directly from Bank AL Habib's own official discounts and card pages, with the card scheme noted explicitly so you can tell at a glance whether an offer applies to your specific card.

Debit Card Lineup, Fees & Debit Card Discounts

Card	Primary (Issuance/Annual)	Supplementary
PayPak Debit Card (default)	Rs 2,750	—
Visa Debit Silver	Rs 3,700	Rs 2,700
Visa Debit Gold	Rs 4,500	Rs 3,500
Visa Debit Platinum	Rs 10,000	Rs 7,000
Visa Debit Signature	Rs 23,000	Rs 23,000
China UnionPay Debit	Rs 3,000	Rs 2,000
FCY Debit Card	US$ 14	—

Exact figures from Bank AL Habib's official "Schedule of Bank Charges," effective July 1 – December 31, 2026 (Inst. Cir. #093, dated May 21, 2026). PayPak's Rs 2,750 fee is waived on the AL Habib Current Account, CurrentPlus Account, and Apna Individual Account for customers maintaining a Rs 25,000 monthly average balance (Rs 5,000 for the Remit Account) — see the Rates & Accounts page for account-specific waiver terms.

International Card Usage Fees

Fee	Rate
International ATM cash withdrawal	4.50% of amount or Rs 300, whichever is higher
International retail purchase / e-commerce	4.50% of transaction amount
International balance inquiry	Rs 300 (US$ 1 on FCY Debit Card)

Sourced from Bank AL Habib's official Schedule of Bank Charges, July–December 2026.

Debit Card Daily Transfer (EFT) Limits

Card	EFT Limit (per day)
AL Habib Signature Debit Card	Rs 2,000,000
AL Habib Platinum Debit Card	Rs 500,000
AL Habib Gold Debit Card	Rs 400,000
AL Habib Silver Debit Card	Rs 300,000
AL Habib UnionPay Debit Card	Rs 250,000
AL Habib PayPak Debit Card	Rs 200,000

EFT limits apply to electronic fund transfers made through the debit card itself; AL Habib Mobile App and Netbanking carry their own separate, generally higher transfer limits — see the Digital Banking guide for the full breakdown. Sourced from Bank AL Habib's official EFT limits disclosure.

Chip & Online Security

All cards use EMV secure chip technology; Visa Platinum, Gold, and Silver Debit Cards plus the PayPak Debit Card are protected by 3D Secure for online transactions.

Cross-border spending cap

Combined debit/credit card cross-border transaction limit is capped at USD 30,000 annually per individual, for personal use only (effective November 1, 2022, per SBP directive).

Lost/stolen card blocking

Block instantly via AL Habib Mobile App, Netbanking, or the 24/7 Helpline (021) 111-014-014 from your registered number.

Fee figures per Bank AL Habib's official Schedule of Bank Charges for a standard PKR account, effective July–December 2026; confirm current charges for your specific account type before applying, as these are revised twice yearly.

Looking for the Credit Card?

Bank AL Habib's credit card (Green/Gold/Platinum) has its own eligibility criteria, APR, fees, and application process, separate from the debit card — see the dedicated Credit Card guide for full details.

Active Merchant & Restaurant Discounts

KFC — Restaurant Discount

Ongoing debit-card discount offer for Bank AL Habib cardholders at KFC, as listed in the bank's current deals and discounts page.

Visa Debit Gold — Premium Restaurant & Brand Discounts

A range of discounts on premium restaurants, clothing, health, and lifestyle outlets exclusively for Visa Debit Gold cardmembers, arranged directly between Bank AL Habib and Visa.

Toyota Society Motors

Discount on car detailing services for Visa Gold/Silver Debit, BAHL UnionPay Debit/Apna Debit, Mastercard Gold/Green Credit, PayPak Debit, and Visa Platinum Debit cardholders.

Because merchant terms and expiry dates change frequently, always confirm current validity on Bank AL Habib's official "Deals & Discounts" page before relying on any specific offer.

Virtual Cards & Online Use

Bank AL Habib doesn't advertise a separate standalone "virtual card" product; instead, your existing Visa or UnionPay debit/credit card is used for online purchases directly, protected by 3D Secure verification. If you specifically need a virtual-card-style option, ask your branch or the 24/7 helpline whether one is available for your account type, since card offerings are periodically updated.

Card Safety Basics

To activate a new debit card, call the helpline at (021) 111-014-014 and verify your identity via CNIC — Bank AL Habib explicitly recommends never sharing your PIN and storing your card in a secure location. Report a lost or stolen card immediately to the 24×7 Call Center (111-014-014 or 0800-00006) or your relationship branch; the bank will block the card immediately and can issue a replacement at applicable charges.

Ready to explore Bank AL Habib Debit Card Discounts & Fees?

Verify current rates, terms, and eligibility directly with Bank AL Habib before applying — this page is independent, sourced, and kept current, but the bank's own site is the final word on live terms.

Visit Bank AL Habib Compare Rates & Accounts