Bank Alfalah
No Annual Fee / Low Fee
•••• •••• •••• 9511
VALID THRU 12/29
Bank Alfalah PayPak Debit Card
PAYPAK
🇵🇰 Pakistan 100% Domestic Scheme Domestic Debit Card

Bank Alfalah PayPak Debit Card

Issued by Bank Alfalah

Pakistan's domestic payment scheme card by Bank Alfalah. Offers affordable ATM cash withdrawals and retail POS transactions across the country with zero foreign scheme overhead.

Annual Fee PKR 1,600 / year (Budget Friendly)
Reward Rate Domestic Retail Discounts
APR / Profit Rate 0% (Linked Account)

Exclusive Features & Cardholder Privileges

✓

Pakistan Sovereign Scheme

Settles all transactions domestically via 1Link, keeping banking data secure.

✓

Lowest Annual Card Fee

Most budget-friendly card in the Bank Alfalah portfolio at only PKR 1,600/year.

✓

Nationwide 1Link ATMs

Free balance inquiry and cash withdrawals across all 1Link member ATMs.

✓

PIN-Protected EMV Chip

Robust chip encryption safeguarding against local skimming.

RichQuill Editorial Verdict: Pros & Cons

✓ What We Like

  • Lowest annual fee in Bank Alfalah card lineup
  • No foreign currency surcharges
  • Reliable nationwide 1Link interoperability

⚠ Considerations

  • Cannot be used abroad or for international websites (e.g. Netflix, Amazon)

Detailed Fees & Specifications

Card Name Bank Alfalah PayPak Debit Card
Issuing Financial Institution Bank Alfalah (Karachi, Pakistan)
Card Network PAYPAK
Card Type Domestic Debit Card
Primary Category No Annual Fee / Low Fee
Annual Fee PKR 1,600 / year (Budget Friendly)
Interest Rate / APR 0% (Linked Account)
Rewards & Cashback Rate Domestic Retail Discounts
Foreign Transaction Fee Domestic Only
Airport Lounge Access Standard Access
0% Installments / Financing No
Welcome Bonus Offer Basic Account Onboarding
Eligibility & Credit Score All Bank Alfalah Account Holders