Bank of Punjab
No Annual Fee / Low Fee
•••• •••• •••• 9504
VALID THRU 12/29
The Bank of Punjab PayPak Debit Card
PAYPAK
🇵🇰 Pakistan 100% Domestic Scheme Domestic Debit Card

The Bank of Punjab PayPak Debit Card

Issued by The Bank of Punjab

Pakistan's domestic payment scheme card by Bank of Punjab. Provides highly affordable ATM cash withdrawals and local retail spending with zero foreign currency overhead.

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

Exclusive Features & Cardholder Privileges

✓

Pakistan Sovereign Scheme

Settles locally via 1Link, keeping all banking transaction data inside Pakistan.

✓

Low Annual Fee

Budget-friendly annual fee at only PKR 1,600/year.

✓

Nationwide 1Link ATMs

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

✓

PIN-Protected EMV Chip

Secure chip encryption preventing local card fraud.

RichQuill Editorial Verdict: Pros & Cons

✓ What We Like

  • Lowest annual card fee in BOP debit lineup
  • No international exchange fees
  • Reliable nationwide 1Link interoperability

⚠ Considerations

  • Cannot be used outside Pakistan or on international online merchants

Detailed Fees & Specifications

Card Name The Bank of Punjab PayPak Debit Card
Issuing Financial Institution The Bank of Punjab (Lahore, Pakistan)
Card Network PAYPAK
Card Type Domestic Debit Card
Primary Category No Annual Fee / Low Fee
Annual Fee PKR 1,600 / year (Economical)
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 BOP Account Holders