Cards

Sindh Bank Debit Card Types & Limits

UnionPay, VISA, and PayPak — every Sindh Bank debit card tier and its daily limits, in one table.

• 3 Card Networks
• Local & International

Sindh Bank issues debit cards on three networks — UnionPay, VISA, and PayPak — rather than a separate credit card line. Each network has its own daily limits for point-of-sale (POS) spending, ATM cash withdrawal, and funds transfer.

Daily Limits by Card

Limits confirmed from Sindh Bank's official ATM/Debit Cards page.

Which Card Should You Choose?

Eligibility

To qualify for a Sindh Bank Visa Debit card, you must be at least 18 years old and hold a current account with the bank. UnionPay and PayPak cards are typically issued alongside a qualifying savings or current account at account opening.

Good For

• Comparing UnionPay, VISA, and PayPak daily spending and withdrawal limits
• Choosing the right card tier for travel versus everyday domestic use
• Confirming eligibility before applying for a Visa Debit card
• Understanding that Sindh Bank currently issues debit, not credit, cards

Annual Fees & Card Charges (SOC, Jul–Dec 2026)

Per Sindh Bank's official Schedule of Charges effective July 1, 2026 to December 31, 2026, card costs vary meaningfully by network and tier — a real comparison point beyond the withdrawal limits above.

A few charges worth flagging before you apply: a lost or stolen card replacement carries the same fee as the annual charge for that tier, international balance inquiries cost Rs. 50–200 depending on tier, and a disputed-transaction retrieval request costs a minimum of Rs. 500 domestically or US$ 20 internationally if the claim doesn't go in your favor. Sindh Bank staff are exempt from most of these annual fees, which is worth knowing if you're comparing a friend or relative's fee-free experience against your own account terms.

IBFT via Card, SMS, or Co-Badged Card

Interbank Funds Transfer (IBFT) done through your Visa, UnionPay, PayPak, or co-badged card — or via SMS — is free up to Rs. 25,000 per month per account. Above that monthly threshold, Sindh Bank charges 0.1% of the transaction amount or Rs. 200, whichever is lower. Transfers between your own accounts within Sindh Bank branches remain free with no monthly cap. A co-badged card carries a separate Rs. 1,300 issuance/annual charge.

Replacing a Damaged or Expired Card

If your Sindh Bank debit card is damaged, demagnetized, or approaching its expiry date, the replacement process runs through your issuing branch rather than the call center alone — you'll typically need to submit a request in person or through the app, after which a new card is issued under the same account and card network (UnionPay, VISA, or PayPak) unless you specifically request a change. Because daily POS and ATM limits are tied to the card tier rather than the account itself, a like-for-like replacement keeps your existing limits unchanged; upgrading from Classic to Gold or Platinum typically requires meeting the bank's minimum balance or relationship criteria for that tier.

More on Sindh Bank

International Use Considerations

A Sindh Bank debit card on the VISA or UnionPay network can generally be used abroad, but it's worth confirming your specific card's international usage status before traveling, since some issue configurations default to domestic-only until activated for overseas use. PayPak, by contrast, is a Pakistan-only network by design and won't work at international ATMs or merchants, so travelers should carry a VISA or UnionPay Sindh Bank debit card rather than relying on PayPak alone outside the country.

If you're deciding between two card tiers with similar limits, check whether the higher tier requires a minimum average balance to avoid a monthly fee — that ongoing cost sometimes outweighs the benefit of a marginally higher POS or ATM limit for customers who don't regularly transact near their current tier's ceiling.

Whichever network you end up carrying, it's worth keeping the card's emergency contact number saved somewhere other than your phone — a physical note or a separate device — precisely because losing your phone and your card at the same time is one of the more common real-world scenarios that catches people off guard.

For independent verification, see State Bank of Pakistan, SECP, Sindh Bank Limited.

Frequently Asked Questions

Compare Sindh Bank With

See how Sindh Bank stacks up against other Pakistani banks covering similar ground.

Last Verified: August 31, 2026  |  Fee figures valid until: December 31, 2026 (per the official Schedule of Charges, Jul–Dec 2026 — confirm with the bank if applying after this date)