Issued by Zarai Taraqiati Bank Ltd. (ZTBL)
Pakistan's flagship agricultural card issued by ZTBL, connecting millions of farmers to subsidized agricultural loans, direct government fertilizer subsidies, and rural cash access.
Direct transfer of federal and provincial subsidies on DAP, urea, and solar tube-well schemes.
Convenient cash withdrawals across 500+ ZTBL branches and all 1LINK ATMs.
Repayment aligned with crop harvest cycles to ease financial burdens on farmers.
| Card Name | ZTBL Kissan Dost Agriculture Card |
|---|---|
| Issuing Financial Institution | Zarai Taraqiati Bank Ltd. (ZTBL) (Islamabad, Pakistan) |
| Card Network | PAYPAK |
| Card Type | Kisan Debit Card |
| Primary Category | Agricultural & Kisan |
| Annual Fee | PKR 900 / year (Subsidized by Ministry of Agriculture) |
| Interest Rate / APR | State Bank Concessionary Agri Rate |
| Rewards & Cashback Rate | Direct Federal Fertilizer and Seed Subsidies |
| Foreign Transaction Fee | Domestic Only |
| Airport Lounge Access | Specialized Agriculture Card (No lounge) |
| 0% Installments / Financing | Semiannual Harvest Payment Cycles (Rabi / Kharif) |
| Welcome Bonus Offer | Free SMS alerts for farming subsidies |
| Eligibility & Credit Score | Registered Pakistani farmers and landowners |