Easypaisa Debit Card: Types, Fees & How to Order

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

Quick answer: Easypaisa offers a physical debit card (available on Visa, UnionPay, or PayPak networks) for POS purchases and ATM withdrawals, plus a Visa Online (virtual) debit card for e-commerce only. Both link directly to your Easypaisa balance and can be ordered instantly from the app — no monthly or annual fee applies, only a one-time issuance fee.

What Types of Easypaisa Debit Cards Are Available?

The physical Visa debit card was Easypaisa's first card launch and remains its flagship option — it works at 90,000+ POS-accepting merchants and 16,000+ ATMs nationwide, and supports contactless tap payments via NFC. It's EMV chip-and-PIN based, which Easypaisa states provides stronger protection against card copying or counterfeiting than a magnetic-stripe card. The Visa Online card is a separate, purely digital product for online purchases — it can be generated and activated instantly in the app with no physical card involved.

Card types and features confirmed from Easypaisa's official Debit Cards and FAQ pages (easypaisa.com.pk), and Dawn's January 2023 coverage of the Visa debit card launch.

Which Card Should You Actually Pick?

Since PayPak is the cheapest and Visa/UnionPay cost roughly the same, the real decision usually comes down to where you need the card to work — not price:

• Pick PayPak if you only need domestic POS and ATM use and want the lowest issuance cost — it's Easypaisa's default card for a reason.
• Pick Visa if you shop on international websites, need the card recognized abroad, or want the widest acceptance at Pakistani POS terminals and e-commerce checkouts.
• Pick UnionPay if you travel to or transact with China/Asia-Pacific regions where UnionPay has strong local acceptance, at a fee close to PayPak's.
• Pick the Visa Online (virtual) card if you only need it for online purchases and want the lowest-cost option with instant issuance — no physical card, no waiting for delivery.

What Are the Debit Card Fees?

Easypaisa's own FAQs state plainly that no monthly or annual fee is charged for using its debit cards. A one-time issuance fee applies when you order a card:

Confirmed from Easypaisa's official Schedule of Bank Charges (Branchless Banking, July–September 2026 edition, easypaisa.com.pk/public-information/Schedule-of-Bank-Charges). This schedule is reviewed quarterly — confirm the current fee in the app before ordering.

What Are the ATM Withdrawal Charges?

Reported current pricing distinguishes Easypaisa Bank's own-branded ATMs from other banks' 1-Link network ATMs: withdrawals at Easypaisa Bank's own ATMs are commonly reported as free for digital account debit card holders, while withdrawals at other banks' 1-Link ATMs carry a per-transaction service fee. Older versions of Easypaisa's Schedule of Charges show different figures for balance inquiries and withdrawals than more recent ones, so treat any specific ATM fee figure as indicative only and check the current Schedule of Bank Charges page in the app or on easypaisa.com.pk before relying on it.

Pattern corroborated across Easypaisa's own Schedule of Bank Charges PDFs (multiple quarters) and third-party fee-tracking coverage; exact current per-transaction figures are not restated here because they have changed between published schedules.

What Security Features Does the Card Have?

• EMV chip & PIN — harder to clone than magnetic-stripe cards
• Contactless NFC tap payments at supporting POS terminals
• PIN required for POS transactions
• Change PIN via app ("Manage Debit Card"), USSD, or at any Easypaisa Bank ATM

Confirmed from Easypaisa's official FAQ page. For lost/stolen card reporting or PIN reset steps, see our PIN & Security page.

How Do You Order an Easypaisa Debit Card?

1. Open the app or dial *786#. Go to "My Account" > "Manage Debit Card" in the app, or use the USSD shortcut.
2. Choose your card type. Physical (Visa/UnionPay/PayPak) or virtual (Visa Online).
3. Confirm delivery details. Physical cards are delivered to your registered address; virtual cards activate instantly.
4. Pay the issuance fee. Deducted automatically from your Easypaisa balance.
5. Activate and set your PIN once the card is in hand (or immediately, for the virtual card).

Ordering flow confirmed from Easypaisa's official Debit Cards page and TechJuice's coverage of the app/USSD ordering option.

Frequently Asked Questions

Good For

• Comparing Easypaisa's physical and virtual card options
• Knowing the actual one-time issuance fee before ordering
• Understanding what security features come with the card
• Ordering a card the right way the first time

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For independent verification, see State Bank of Pakistan, Easypaisa official site, PACRA.