BML Debit Card — Official Charges, Fees & ATM Withdrawal Limits
Classic, Gold, and Platinum card fees, and 1LINK/international ATM rates, from BML's official Schedule of Charges.
- 3 tiers: Classic, Gold, Platinum
- UnionPay International & PayPak
- SOC effective 1 Jul – 31 Dec 2026
Key Takeaways
- Three tiers — Classic, Gold, Platinum — issued on UnionPay International, with PayPak available on Classic only.
- Cash withdrawal is free at BML's own ATMs, Rs. 35 at other 1LINK ATMs, 4% (min. Rs. 400) internationally.
- Figures confirmed current against BML's Jul–Dec 2026 Schedule of Charges as of Sep 8, 2026.
- Report a lost, stolen, or retained card to the 24/7 Contact Centre immediately: 021-111-124-365.
A BML debit card is issued automatically on most Bank Makramah Limited deposit accounts, giving holders access to Pakistan's 1LINK ATM and POS network. Card tiers, annual fees, and withdrawal limits below are taken directly from BML's official Schedule of Charges for the period 1 July – 31 December 2026, published identically across both the Conventional and Islamic Banking SOC documents. Charges are revised periodically, so always cross-check against the latest SOC on bankmakramah.com before relying on a figure for a large transaction.
BML Debit Card: Quick Answer
BML issues debit cards in three tiers — Classic (Rs. 5,000 initial deposit), Gold (Rs. 100,000), and Platinum (Rs. 1,000,000) — on UnionPay International, with a lower-cost PayPak option available on the Classic tier only. Cash withdrawal is free at BML's own ATMs, Rs. 35 at other 1LINK-switch ATMs, and 4% (minimum Rs. 400) on international withdrawals. The card works at any 1LINK-enabled ATM in Pakistan and at POS terminals nationwide.
Debit Card Tiers & Issuance Fees
| Charge | Classic | Gold | Platinum |
|---|---|---|---|
| Initial Deposit Requirement | Rs. 5,000 | Rs. 100,000 | Rs. 1,000,000 |
| Issuance / Annual / Re-Issuance (UnionPay Primary) | Rs. 2,500 + FED | Rs. 3,600 + FED | Rs. 7,500 + FED |
| Annual Fee, Supplementary Card (UnionPay) | Rs. 2,500 + FED | Rs. 3,600 + FED | Rs. 7,500 + FED |
| Issuance / Annual / Re-Issuance (PayPak, Primary & Supplementary) | Rs. 1,800 + FED | — | — |
| Lost, Stolen or Reissuance (UnionPay) | Rs. 2,500 + FED | Rs. 3,600 + FED | Rs. 7,500 + FED |
| Lost, Stolen or Reissuance (PayPak) | Rs. 1,800 + FED | — | — |
| Expired Card Replacement | Free | Free | Free |
FED = Federal Excise Duty / Sales tax on services, charged in addition to the listed fee. Card charges are deducted at issuance; annual charges are deducted on the scheduled due date. Figures per BML's official Schedule of Charges, period 01 Jul – 31 Dec 2026.
ATM Withdrawal & Balance Inquiry Fees
| Transaction | Charge |
|---|---|
| Cash withdrawal — BML's own ATM | Free |
| Cash withdrawal — other 1LINK-switch ATM | Rs. 35 |
| Cash withdrawal with receipt — 1LINK-switch ATM | Rs. 39.67 |
| Balance inquiry — BML's own ATM | Free |
| Balance inquiry — 1LINK-switch ATM | Rs. 4.67 |
| Cash withdrawal — White Label ATM | Rs. 57 or at actual |
| Balance inquiry — White Label ATM | Rs. 5.93 or at actual |
| International cash withdrawal | 4% or min. Rs. 400 |
| International POS transaction | 4% or min. Rs. 400 |
| International balance inquiry | Rs. 200 per transaction |
International transactions settled in foreign currency are additionally subject to market currency conversion rates. 1LINK charges are subject to revision after SBP review/approval.
Dispute, Chargeback & SMS Alert Charges
A disputed local transaction (Transaction Retrieval/Charge Back) costs Rs. 250 on both Classic and Gold cards, plus any actual charges passed on by UnionPay International; an international dispute costs Rs. 500 plus actual UnionPay charges, and an arbitration chargeback is USD 500 or UnionPay's actual charge. Switch Dispute Resolution (SDRS) charges are Rs. 25 per dispute, applied to whichever side (issuer, acquirer, or beneficiary bank) is at fault. SMS alerts on digital transactions are free; a full SMS-alerts subscription costs Rs. 2,220 + FED per year, or Rs. 185 + FED per month.
What's Confirmed About BML Card Benefits
BML's Classic Current Account is the clearest documented example of a card-linked benefit: it bundles a Health Wellness Card offering hospitalization and health-related coverage up to Rs. 250,000, with the exact cover tier depending on the account's maintained balance. This is presented by the bank as a differentiator for its everyday current account rather than a feature of every BML card, so don't assume it carries over to other account types without checking.
Conventional vs. Islamic Banking — Same Card Charges
BML's Conventional and Islamic Banking Schedules of Charges list identical debit card fees, tiers, and ATM rates — there's no separate "Islamic debit card" pricing structure. The charges above apply whether your underlying account sits on the conventional or Islamic banking side of BML. As with all bank fee schedules, these are revised periodically in line with State Bank of Pakistan guidance and BML's own pricing decisions, so cross-check the live SOC on bankmakramah.com before relying on a number for a large or time-sensitive transaction.
If Your Card Stops Working
A card that's declined, retained by an ATM, lost, or stolen should be blocked immediately — the steps below work at any hour, since BML's Contact Centre operates 24/7 specifically for this.
- Call the 24/7 Contact Centre right away: 021-111-124-365. This blocks the card immediately without waiting for branch hours — the single most time-sensitive step.
- Request a replacement card through your branch or the same Contact Centre once the block is confirmed. Re-issuance fees apply per the tiers in the table above (expired-card replacement is free; lost/stolen re-issuance is not).
- Dispute any unauthorized transaction made before the block via BML's complaints channel — a Switch Dispute Resolution (SDRS) charge of Rs. 25 applies per dispute, billed to whichever party (you, the acquirer, or the beneficiary bank) is found at fault.
Good For
- Comparing Classic, Gold, and Platinum debit card fees before applying
- Checking 1LINK and international ATM withdrawal charges
- Understanding dispute and chargeback costs
- Knowing exactly who to call if your card is lost or stolen
Looking into a BML debit card?
Verify the latest Schedule of Charges directly with BML before you apply — fees are revised periodically.
Frequently Asked Questions
Is there a fee for using another bank's ATM?
Cash withdrawal at other 1LINK-switch ATMs costs Rs. 35; it's free at BML's own ATMs.
What happens if my card is lost or stolen?
Call the 24/7 Contact Centre at 021-111-124-365 immediately to block it, then request a replacement — re-issuance fees apply by tier.
Do Islamic banking customers pay different card charges?
No — BML's Conventional and Islamic Banking Schedules of Charges list identical debit card fees and tiers.
What's the international withdrawal fee?
4% of the transaction amount or a minimum of Rs. 400, whichever is higher, per international cash withdrawal.
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Fee figures are sourced from BML's official Schedule of Charges (Conventional & Islamic Banking, period 01 Jul – 31 Dec 2026), available at bankmakramah.com.