BankIslami Cards, Fees & Discounts
BankIslami's debit card tiers and their real annual fees and transaction charges, from the July–December 2026 Schedule of Charges.
- 50,000+ Merchants
- 14,000+ ATMs
- 7 Card Tiers
BankIslami doesn't issue a conventional revolving credit card. Its card business runs on Shariah-compliant debit cards linked to deposit accounts, priced across seven tiers.
Debit Card Annual Fees (Jul–Dec 2026)
| Card | Annual Fee |
|---|---|
| PayPak Debit Card | Rs. 2,200 |
| Classic Debit Mastercard | Rs. 3,200 |
| Gold Debit Mastercard | Rs. 4,000 |
| Titanium Debit Mastercard | Rs. 5,000 |
| Platinum Debit Mastercard | Rs. 7,000 |
| World Debit Mastercard | Rs. 20,000 |
| World Elite Debit Mastercard | Rs. 40,000 |
From BankIslami's official Schedule of Bank Charges, 1st July to 31st December 2026. Fees are reviewed twice yearly — confirm the current schedule before relying on these figures after December 2026.
Transaction Charges
| Transaction | Charge |
|---|---|
| Domestic POS purchase | Free |
| International POS purchase | 4.50% of amount |
| Cash withdrawal, BankIslami ATM | Free |
| Cash withdrawal, 1Link ATM | Rs. 35 |
| Cash withdrawal, international ATM | 4.50% of amount |
| Balance inquiry, 1Link ATM | Rs. 6 |
| Balance inquiry, international ATM | Rs. 350 |
| Domestic online shopping | Free |
| International online shopping | 4.50% of amount |
Rates apply per BankIslami's July–December 2026 Schedule of Charges. Priority Banking and Mashal Women Banking customers get separate waivers — see those pages.
Where Discounts Are Published
The bank publishes a Card Discounts newsletter as a downloadable PDF, refreshed monthly, listing active offers with participating merchants — past editions have included Foodpanda, Pizza Max, Karak Express, and Chesab Club among the dining and lifestyle partners. These offers rotate monthly, so check the current newsletter on bankislami.com.pk rather than a cached list.
Frequently Asked Questions
Does BankIslami offer a credit card?
BankIslami doesn't issue a conventional revolving credit card. Its card business runs on Shariah-compliant debit cards linked to deposit accounts, priced across seven tiers from PayPak (Rs. 2,200/year) to World Elite (Rs. 40,000/year).
What are BankIslami's debit card annual fees?
Per the July–December 2026 Schedule of Charges: PayPak Rs. 2,200, Classic Rs. 3,200, Gold Rs. 4,000, Titanium Rs. 5,000, Platinum Rs. 7,000, World Rs. 20,000, and World Elite Rs. 40,000.
What is the international transaction fee on a BankIslami debit card?
International POS purchases, ATM withdrawals, and online shopping are charged 4.50% of the transaction amount; domestic transactions are free.
Where can I find current BankIslami card discounts?
BankIslami publishes a Card Discounts newsletter as a downloadable PDF, refreshed monthly, listing active merchant offers.
Good For
- Comparing BankIslami's real card fees against other banks
- Budgeting for international transaction charges before travel
- Understanding BankIslami doesn't offer a conventional credit card
- Finding this month's active discount partners
More on BankIslami
Bank Overview
History, leadership, ownership, and key facts.
Account Opening & Rates
Deposit accounts, profit rates, and Gen Z Account.
Mashal Women Banking
Accounts and discounted financing for women.
Priority Banking
Eligibility and fee waivers for relationship customers.
Safe Deposit Lockers
Locker sizes, rent, and Takaful coverage.
Humsafar Travel Now, Pay Later
BankIslami's travel BNPL product.
Related Banks
For independent verification, see State Bank of Pakistan, Pakistan Stock Exchange, SECP.