Commercial Bank

National Bank Credit & Debit Cards

NBP's card lineup, including the Amirah PayPak Pink Debit Card, and how to manage your card.

• PayPak Enabled
• Debit & Credit
• App-Managed

Written & reviewed by Dildar Hussain — 10+ years in Pakistani banking, BS Banking & Finance (NUML University) · Last updated: September 2, 2026

A national bank credit card or debit card from NBP works on the same rails as any Pakistani bank card — but NBP's lineup includes a few products worth knowing about specifically, including a recent PayPak-branded launch. This page covers what's confirmed directly from NBP about the national bank credit card lineup.

National Bank Credit Card Lineup

Amirah PayPak card details confirmed from NBP's official CY2025 half-yearly results announcement. Other card details confirmed from NBP's official product pages — verify current terms directly with NBP, as tier names and offers are updated periodically.

Managing Your Card

Card activation, PIN changes, and spend controls can all be handled through the NBP Digital app once you've registered with full transactional rights — see our NBP Digital guide for the registration steps. For a lost or stolen card, contact the NBP Helpline immediately at 111-627-627 to block it before doing anything else.

Debit card issuance, annual, and replacement charges vary by card variant — PayPak-Classic, UPI-Classic, UPI-Gold, and the co-badged Mastercard and PayPak-UPI options each carry different fees under NBP's official Schedule of Bank Charges. See the full fee table on our ATM & card charges page rather than assuming a flat rate across every card type.

Amirah PayPak Pink Card: Discounts & Rewards Explained

Most coverage of the Amirah PayPak Pink Debit Card stops at the launch announcement. What the card actually gives cardholders, confirmed from NBP's own official statements:

• Discounted spending at over 30,000 merchant locations across 158 cities — restaurants, salons, and retail stores — through a partnership with the Golootlo merchant network.
• A free Gold-tier subscription to the Golootlo app bundled with the card.
• Gold Reward Points on every transaction: PKR 1 per off-us ATM transaction, PKR 2 per POS transaction, and PKR 3 per e-commerce purchase, redeemable toward NBP's gold mutual fund options.
• No card issuance or annual fee, subject to standard terms and conditions.

Discount network, reward-point rates, and fee terms confirmed from NBP's official press release and corroborated by multiple 2025 news coverage of the card's launch. Merchant list and reward terms can change — confirm current terms with NBP or the Golootlo app before relying on a specific discount.

PayPak: Why It Matters

PayPak is Pakistan's domestic payment scheme, built to keep more transaction processing inside the country instead of routing everything through international networks. Cards issued on PayPak, like NBP's Amirah card, generally carry lower processing costs for domestic transactions. Handy to know if you're comparing card options for everyday spending inside Pakistan.

Card Security Basics

Whichever NBP card you carry, the same core rules apply: NBP will never call, email, or text you asking for your full card number, CVV, PIN, or OTP. Memorize your PIN instead of writing it down, and turn on transaction alerts in NBP Digital so you get notified the moment the card is used. See an unauthorized transaction? Block the card through the helpline first, investigate after — see our Cyber Security guide for the full response process.

For international use, confirm with your branch whether your specific card is enabled for cross-border transactions before travelling — not every domestically-issued card carries international usage by default, and enabling it in advance avoids a declined transaction at an inconvenient moment abroad.

Debit vs. Credit: Choosing the Right NBP Card

A debit card draws directly from your NBP account balance. That makes it the simpler, lower-risk option for everyday spending and ATM access — no separate credit line, no interest calculation to manage. A credit card extends a revolving credit line instead, with its own markup terms if you carry a balance past the due date, and usually layers on extras like instalment plans for larger purchases. Pick based on whether you want a tool tied strictly to funds you already have, or a short-term credit facility with its own repayment terms. Confirm current eligibility criteria and markup rates directly with NBP before applying.

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For independent verification, see State Bank of Pakistan, Pakistan Stock Exchange, National Bank of Pakistan.