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• International SIM Card Pakistan

Prepaid International SIM Card Pakistan

Voice Calls, SMS and Mobile Data Service in Pakistan + coverage in over 200 Countries

Get connected on the worlds fastest & most reliable mobile networks

The Wraptel International SIM Card offers low cost talk, text and data in over 200 countries.

• No contracts. No monthly fees
• Keep your unused airtime for future trips. Your International SIM does not expire
• 4G LTE/3G Data Speeds
• Data is charged in 10kb increments
• Voice Calls are charged in 20 second increments
• Receive SMS texts for free in all countries 
• Add a US, Canadian or UK phone number or no number for Data only
• Mobile Service on over 400 Global Networks for Voice, SMS and Data
• Shares the same phone number and airtime balance as your SIM
• Free inbound calls in all countries
• Reduced rates on all outbound calls
• Excellent Voice Quality
• Call Recording

Fed up with paying high roaming charges when traveling abroad? Wraptel offers frequent travellers with a  pre-paid international SIM card  or a  pre-paid international eSIM  that can be used for  voice calls, text messages and data in over 200 countries . The airtime is rechargeable and you get to keep unused airtime for future trips. There are no monthly fees or contracts to sign. 

• Travel eSIM
• Install eSIM
• Delivery Options

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The best Prepaid SIM Card to travel in Pakistan. Choose the best SIM Card for your needs.

Best sim card operators, best market prices, pay as you go, 24/7 customer service, compare and buy the best simcard for pakistan, easy to get, get your sim cards with ease, choose destination.

Choose from over 200+ travel destinations worldwide

Select the best Pakistan SIM Card for you

Choose the best Pakistan SIM Card deal for your needs

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Operating from major hubs in Paris (France), Bangkok (Thailand), and Hong Kong, SimOptions is at the forefront of the international Prepaid SIM Card market. Our mission is to provide global travelers with a reliable solution to completely avoid roaming charges in Pakistan through the use of Pakistan Prepaid SIM Cards. We take pride in our diverse offerings that span continents, including Europe , Asia , Oceania , North America , and South America . When it comes to Prepaid SIM Cards for Pakistan, SimOptions is your go-to provider. Wondering about the shipment? We collaborate with global couriers such as DHL, UPS, FEDEX, ARAMEX, Australia Post, among others, ensuring prompt delivery to your doorstep in over 100 countries. Connect with SimOptions today and keep in touch with your family and friends back home!

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• North America
• Latin America
• United Kingdom

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• Faroe Islands
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• Papua New Guinea
• Philippines
• Puerto Rico
• Republic of Congo
• Saudi Arabia
• South Africa
• South Korea
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• United Arab Emirates

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Check out our guide on how to find out if my device is eSIM compatible or contact us on our online chat

If there have been changes in your plans and you no longer need your Holafly eSIM, we will provide you with a full refund .

If you purchased the eSIM and it turned out to be incompatible with your device, we will provide you with a full refund .

If your eSIM doesn't work due to an issue with Holafly or the network infrastructure of the destination country has problems and is unstable, we can offer you a full or partial refund .

eSIM with Unlimited Data in Pakistan

€ 7,00 Original price was: €7,00. € 6,00 Current price is: €6,00. EUR

Based on 38,209 reviews on

Description

Technical Specs

Unlimited data

Fast and reliable internet

No more roaming charges

• Enjoy your trip with unlimited data in Pakistan.
• Receive your QR code and connect instantly.
• Easy to set up. No registrations or subscriptions.
• Keep your WhatsApp number on your cellphone.
• Connect to the best network in Pakistan.
• Customize the duration of your plan to fit your needs

Connect to the Internet in Pakistan at 4G / LTE speed with an international eSIM with unlimited data . Use your favorite apps to call all your friends and family , such as WhatsApp or iMessage, without restrictions. You can keep your usual local SIM card to receive SMS and important calls. This eSIM for Pakistan connects to the Three HK network, the fastest in the country.

Travel digital SIMs are effortless to set up: You will receive a QR code immediately in your email. Scan it with your cellphone camera, and in a matter of minutes, you’re connected to the internet in Pakistan. It’s that easy!

• Installation: with a QR code or manually
• Activation: upon arrival to destination turn on your Holafly eSIM’s data roaming
• Compatibility: compatible with all smartphones with eSIM technology enabled. Operation on smartwatches and tablets is not guaranteed. Check compatibility here.
• Days of use: customizable plan duration
• Delivery time: immediate, after purchase
• Plan type: unlimited data
• Calls: No, only through apps (VOIP).
• Speed: 3G/4G/LTE/5G
• Speed reduction: if necessary. Some carriers may reserve the right to apply a Fair Usage Policy
• Hotspot: enjoy 500mb per day to share with others.
• Coverage:   You will enjoy good coverage in Karachi, Lahore, Faisalabad, and other cities and tourist destinations in Pakistan.
• Networks: CMPak

Choose when your plan starts! Install the eSIM before your trip and activate the data upon arrival.

Start enjoying unlimited data

- % discount applied to all plans

Advantages of using Holafly eSIM in Pakistan

Change of plans? No problem at all!

Purchase your Holafly eSIM with added peace of mind. You have up to 6 months to request a refund.

Conoce por qué nuestra eSIM de viajes internacionales es tu mejor elección de datos móviles para tener internet en el extranjero y mantenerte conectado en tu próxima aventura.

Customize your plan

Decide how long you need your eSIM and adjust your plan accordingly! Say goodbye to running out of data or overspending on unused days.

Unlimited data plans

No more top-ups or worrying about running out of data. With a prepaid unlimited data in Pakistan, you can relax knowing we’ve got you covered.

Keep your WhatsApp number

You can call and message all your contacts on WhatsApp, like you’re at home. Don’t lose touch with family and friends.

24/7 customer support

The eSIM is easy to use, but if you have questions or experience technical issues you can reach us by email or our 24 hour chat support. We’re here to help.

Immediate delivery

If you’re in a rush or you’re already traveling, don’t worry about waiting for delivery. We send the Pakistan eSIM immediately to your email, so you can connect in seconds.

Share your data with family and friends

Share up to 500MB of data daily with family, friends, or fellow travelers. Use your smartphone to create a WiFi network and connect multiple devices.

How does the Holafly eSIM for Pakistan work?

Check your phone is compatible with esim.

Check if your smartphone is compatible now

Buy your prepaid eSIM

Chose the plan that suits you best and buy your eSIM card from our online store.

Scan the QR code

It’s easy. Just scan the QR code we send you and turn on data roaming from your settings. Now you can enjoy browsing the web.

Fast and reliable connection

• Clear video calls with no delays
• Share stories in just a few seconds
• Enjoy creating video content and super fast uploading
• Find your way wherever you go!

The best performace in all your apps

Discover the freedom of reliable connectivity with high speed 4G and 5G . Holafly keeps you connected, no matter the adventure!

What you should know about eSIMs

No local phone number.

This virtual SIM only includes data. It does not allow you to make cell phone calls or send SMS messages. You can still use WhatsApp or Skype to call your contacts.

Your phone must support eSIM

Make sure your phone is both unlocked and compatible with eSIM technology.

Install before you travel and take off

Scan the QR code from your smartphone settings and add the data plan. But don’t activate it until you land at your destination. Take the printed QR code on your travels just in case.

We will send you the eSIM to your e-mail

As soon as you complete your purchase, you’ll receive the instructions to install and activate your international travel eSIM and get unlimited internet on your adventure!

Installation instructions with QR code

Manual installation instructions

Holafly eSIM User Reviews

DON’T stress about your phone service when you travel abroad! I used Holafly to travel home to California this year. The instructions were super easy to follow and I had no problems with the service for the whole 20 days that I used it. It was nice not to worry about how much my phone company was going to charge me for service abroad.

I have used your Sim for my trip to the USA! I recommend it 100%. Thank you very much for your service.

I swear that Holafly has a customer service that is to cry with pleasure ;___; In no time will I buy another unlimited data SIM for Japan because the first time it worked wonderfully

A complicated request was solved urgently within 24 hours of traveling. They are wonderful and I recommend it to everyone. Thank you HolaFly team!

Frequently Asked Questions the eSIM Pakistan

When does my data plan begin?

Your plan activates immediately upon connecting your eSIM to any supported network. For example, if you bought a 1-day plan and you activate your plan at 10 AM, it remains active for a full 24 hours, concluding at 10 AM the following day.

Can I make phone calls and send messages with my Holafly eSIM?

The Pakistan eSIM only allows you to use mobile data. It does not include a local phone number for mobile calls or messages. You can still make calls using apps like WhatsApp to stay connected with your friends and family.

Which devices work with the eSIM card?

You can check if your smartphone is eSIM compatible here.

When will I receive my eSIM?

Once you purchase your eSIM, you will receive a confirmation email with instructions to install it immediately using a QR code or manual code. Remember that once the eSIM is purchased, it cannot be returned.

Can I keep my WhatsApp number?

You don’t need to do anything to keep your WhatsApp number. You’ll automatically keep your number, contacts and conversations.

How quick is the Holafly eSIM?

The Holafly eSIM plans offers maximum speed coverage (4GLTE). But bear in mind that in some areas of limited coverage there may be reduced speeds in connection.

Do I have to activate data roaming on my device?

Yes. To ensure that your eSIM gets the best coverage, you must turn on data roaming on your mobile settings. This will not incur any additional charges, as long as you have already set up the Holafly eSIM.

What do I do if I delete or lose my eSIM’s QR code?

If you cannot find the code, please contact our 24/7 customer support team at [email protected] or our online chat for further assistance. We will resend the code to your email.

What happens if I use up my data or my days of validity?

If you use all your data or run out of days, your eSIM card will no longer work and you won’t have an internet connection.

What Which eSIM plan is best for Pakistan?

Whichever is available for your destinations and suits your travel needs better! You can choose plans from 1 to 90 days.

Could the internet speed with my Holafly eSIM be reduced?

In a rare scenario, yes. Operators enforce an international measure called Fair Usage Policy to ensure fair internet usage and allow all users to enjoy optimal connection. This measure might be applied for a period of no more than one (1) day. It’s beyond Holafly’s control, but don’t worry! If this measure affects you, the restriction will be lifted the next day, and you’ll have your original plan speed back.

Is Holafly my best option?

It is! Of course if you ask us which eSIM card is the best, we will naturally answer it’s ours! Why? Because of our unlimited data, the flexibility to select a custom number of days, and many more special features.

What is an eSIM?

An eSIM (embedded SIM) is a digital SIM card that can be installed directly into your smartphone or other mobile devices. It is an alternative to the physical, removable SIM card you’re used to.

Can I renew or extend the data on my eSIM?

Yes, you can do so by logging into your customer panel on the Holafly Center. You will find the data plans you can purchase there. Once you’ve made your purchase, it will be activated immediately on the eSIM you have linked.

Can I share data with other devices?

Certainly! With the Pakistan eSIM, you have the capability to share up to 500MB of data per day across devices by creating a WiFi connection using your smartphone. Refer to your device instructions for guidance on setting up a WiFi connection via a mobile hotspot.

How do I set up the eSIM on my device?

After your eSIM purchase, we will send a QR code and manual instructions to your email. Either print the QR code or open it on your computer. On your cell phone, go to Settings > Mobile Data > Add Data Plan and scan the QR code. Your phone will allow you to assign a specific name to this data plan. You will now be able to switch between your Holafly data plan and the original plan from your provider. The Holafly data plan will only be operational once you arrive at your destination. Once you land, turn on data roaming on your cell phone settings and activate the Holafly data plan. Consult your phone’s user manual for more details on adding a data plan. All eSIM products come with comprehensive set-up instructions.

Should I install my eSIM before travelling?

Set up your eSIM before your departure. Once you reach your destination, just activate the data plan turning on data roaming. We recommend you print the QR code to take it and manual instructions with you on vacation, just in case. Remember that you need internet access to install the eSIM.

How can I check my data balance?

You can manage your eSIM plan details and access all purchased data plans by logging into your Holafly Center through the Holafly website.

How many times can I use my eSIM card?

If needed or when changing phones during your trip, you can transfer your eSIM. However, note that you can only transfer the eSIM to two devices—the original one and a new one. Once you’ve installed it on a different device than the original, you won’t be able to reinstall it on the original device and you must deliver the eSIM from the original device to install it in the second device.

Can I delete the Holafly eSIM once I’ve used my data?

Yes! But keep in mind that you don’t need to do so. As soon as your plan expires your eSIM will no longer work.

Can I use my physical SIM card and Holafly eSIM at the same time?

If you are using an Apple device, you can use your SIM card and your eSIM at the same time. Choose the SIM card for phone calls and SMS, and Holafly eSIM for data from your device. Please remember that if you leave your SIM card activated, your cellular network provider may apply data roaming charges to receive or make phone calls as well as SMS.

How do I get a refund?

At Holafly we are aware that our users may have unforeseen events after making the purchase. Therefore, you can request a refund in the following circumstances: – You bought the eSIM without checking the compatibility with your cellphone. – You canceled your trip or you no longer need the eSIM service. – Our eSIMs generally work fine, but if you experience connection issues, we can provide you with a full or partial refund. Once the refund is approved, you will receive the money on to the same account with which you made the payment. This process can take between 5 to 10 business days. For more details, terms and conditions, we invite you to read our Refund Policy .

To which mobile network or carrier will I connect at my destination?

Your eSIM will connect to all the local phone networks that Holafly partners up with. You can review them in the Technical Specs tab.

How long does it take to activate my eSIM?

Your eSIM data activates instantly once you enable roaming in the Holafly eSIM, initiating the data plan at that moment.

1 day unlimited data

Check that your device is compatible with eSIM

Don't worry! We are here for you.

If you have any questions during this process, remember we're here to assist you 24/7 through our Online chat.

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How to Buy a SIM Card in Pakistan in 2024

• June 6, 2024

Traveling to Pakistan offers a vibrant mix of cultural experiences, historical landmarks, and breathtaking landscapes. To stay connected during your visit, getting a local SIM card is essential. This guide provides a comprehensive overview of purchasing a SIM card in Pakistan, including where to buy one, the main operators, costs, and other crucial details. We’;ll also cover how to buy and use an eSIM in Pakistan .

Table of contents

Where can i get a sim card for pakistan, benefits of buying before you travel, buy your tourist sim card in pakistan, how to buy a sim card with jazz in pakistan, how to buy a sim card with telenor pakistan, how to buy a sim card with zong in pakistan, how to buy a sim card with ufone in pakistan, benefits of buying your sim card in pakistan, how much does a prepaid sim card in pakistan cost, using an esim in pakistan, why should i buy a sim card for pakistan, what if i have a problem with my sim card in pakistan, can i use wi-fi in pakistan, what are the mobile operators in pakistan, how much is a sim card in pakistan, how much does roaming cost in pakistan, can a traveler get a sim card in pakistan.

You can purchase a SIM card for Pakistan either before your trip or upon arrival. Each option has its own set of benefits.

Purchase Before You Travel

• Immediate Connectivity : Use your phone as soon as you arrive in Pakistan.
• Convenience : Avoid the hassle of searching for a SIM card store after a long journey.
• Preloaded Plans : Many online providers offer SIM cards with preloaded data and calling plans, allowing instant use.

Buying a SIM card before your trip can be done through various online platforms specializing in international SIM cards. These cards often come with preloaded credit, data, and calling minutes, making it easy to stay connected immediately upon arrival.

If you prefer to purchase a SIM card upon arrival, you can do so at the airport, mobile network stores, convenience stores, and authorized resellers across the country. Major entry points like Jinnah International Airport have kiosks and shops for the main mobile operators, making it convenient to buy a SIM card as soon as you land.

Who Are the Main Operators in Pakistan?

Pakistan has several major mobile network operators, each offering different plans, coverage, and services. The main operators are Jazz, Telenor Pakistan, Zong, and Ufone.

Jazz is the largest mobile network provider in Pakistan, offering extensive coverage and reliable service. You can purchase a Jazz SIM card at their stores, kiosks, and authorized retailers across the country. They offer a variety of prepaid plans, including data bundles, voice call packages, and text services.

Telenor Pakistan is known for its competitive pricing and range of services. Telenor SIM cards are available at their retail stores, kiosks, and partner outlets. They provide various prepaid plans tailored to different usage needs, from data-heavy packages to balanced voice and text options.

Zong is known for its innovative services and competitive plans. Their SIM cards are available at Zong stores and authorized dealers. They offer various prepaid plans, including data packages and voice call options, catering to different customer needs.

Ufone is another prominent mobile network operator in Pakistan, known for its reliable coverage and affordable plans. Ufone SIM cards can be purchased at their retail stores, kiosks, and authorized retailers. They offer a variety of prepaid plans, including data, voice, and text options.

• Local Rates : Avoid expensive international roaming charges.
• Flexible Plans : Choose from a variety of prepaid plans to suit your usage and budget.
• Reliable Coverage : Enjoy extensive network coverage across the country.

The cost of a prepaid SIM card in Pakistan varies depending on the provider and the plan you choose. Generally, SIM cards range from $1 to $5. Data plans start from around $5 for small data bundles, with larger data packages and combo plans available at higher prices. On average, you can expect to spend about $10 to $30 for a reasonable amount of data and calling minutes.

eSIM technology is increasingly available in many countries, including Pakistan. If your device supports eSIM functionality, check with Jazz, Telenor Pakistan, Zong, or Ufone to see if they offer this service. eSIMs provide the convenience of not needing a physical SIM card and can be activated online.

Guide to Using eSIM.net in Pakistan

Step 1: check device compatibility.

Ensure your smartphone supports eSIM technology. Most modern smartphones, including models from Apple, Google, and Samsung, offer eSIM functionality. Verify your device’s compatibility by checking its specifications or consulting the manufacturer’s website.

Step 2: Visit the eSIM.net Website

Navigate to the eSIM.net website to explore the available eSIM plans for Pakistan. Review the various plans offered, considering factors such as data allowances, validity periods, and pricing.

Step 3: Choose a Data Plan

Select an eSIM data plan that meets your needs in Pakistan. Consider the duration of your stay, expected data usage, and whether you plan to travel to other areas within the country. Choose a plan that provides sufficient data for your requirements.

Step 4: Purchase the eSIM

Once you’ve chosen a suitable plan, proceed to purchase it through the eSIM.net website. During the checkout process, ensure you provide a valid email address to receive your eSIM activation details. Double-check your order for accuracy before completing the transaction.

Step 5: Install and Activate the eSIM

After purchasing the eSIM plan, you’ll receive an email containing a QR code and instructions for installation and activation. Follow these steps to set up your eSIM:

• iOS : Go to Settings > Cellular > Add Cellular Plan .
• Android : Go to Settings > Network & Internet > Mobile Network > Advanced > Carrier > Add Carrier .
• Scan QR Code : Use your device’s camera to scan the QR code provided in the email. This action will initiate the eSIM installation process.
• Configure eSIM : Follow the on-screen prompts to complete the installation and configuration of your eSIM profile. You may need to specify whether the eSIM will serve as your primary or secondary cellular plan.
• Activate eSIM : Once the eSIM profile is installed, activate it by enabling cellular data on your device. Confirm successful activation by checking for network signal indicators.

Step 6: Test Connectivity

After activating your eSIM, verify that your device can establish a reliable internet connection. Test various functionalities such as web browsing, messaging, and calling to ensure seamless connectivity.

Additional Tips:

• Data Monitoring : Keep track of your data usage to avoid exceeding your plan’s limits. Use built-in data monitoring tools on your device or consider installing third-party apps for this purpose.
• Backup QR Code : Save a digital copy of the QR code and activation instructions for future reference. Store them securely in your email or cloud storage.
• Customer Support : If you encounter any issues during the setup process, contact eSIM.net’s customer support for assistance.

SIM Card Pakistan FAQs

Buying a local SIM card allows you to enjoy local rates for calls, texts, and data, avoiding high international roaming fees. It ensures you have reliable mobile connectivity throughout your trip, making it easier to navigate, communicate, and share your experiences.

If you encounter issues with your SIM card, visit the nearest store or kiosk of your service provider. Most providers have customer service centers and hotlines to assist with technical problems, account issues, or plan changes.

Wi-Fi is available in many hotels, cafes, restaurants, and public spaces across Pakistan. However, having a local SIM card ensures you stay connected even when Wi-Fi is unavailable.

The main mobile operators in Pakistan are Jazz, Telenor Pakistan, Zong, and Ufone. Each provider offers a range of prepaid plans and reliable network coverage.

A SIM card typically costs between $1 and $5. Data and calling plans vary, but you can expect to spend around $10 to $30 for a decent prepaid plan.

Roaming charges vary depending on your home country and carrier. It’s generally more expensive than using a local SIM card. Check with your home provider for specific roaming rates, or consider purchasing a local SIM card to avoid high fees.

Yes, travelers can easily purchase SIM cards in Pakistan. SIM cards are readily available at airports, mobile network stores, convenience stores, and authorized resellers across the country. Simply present your passport for registration, and you’ll be ready to enjoy reliable mobile connectivity during your visit.

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Buy Your Pakistan SIM Cards In USA. Best Prepaid Sim For Travel

Buy your Pakistan Sim Cards from SimCorner and stay connected without worrying about hefty international roaming fees. Best value Pakistani Travel Sim Card With Data Before You Fly! Perfect For American Tourists.

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Asia sim card.

Asia is a region full of history, culture and most importantly kind, friendly people. With 60% of the world’s population living in this region alone, you’ll be sure to make a few friends during your travels. From the futuristic vibe of Tokyo, Japan to the stunning tropical islands of Indonesia, Asia is a place full of secrets to discover and experiences to be had. With US residents being one of the regions most-dedicated visitors, many places are increasingly accommodating English-speaking tourists. With there never being a better time to visit Asia, you’ll want to buy a SIM card that’ll let you keep in touch with friends and family while you’re away.

SimCorner offer individual Travel SIMs for all major countries in Asia, such as the Japan Travel SIM and India Travel SIM card to name some of our most popular. if you’re planning a visit to the region check out more of our country specific SIMs below.

In addition, we currently have two Multi Country SIMs on offer: 10 days and 15 days. If you’re only planning to spend a week travelling across Asia, the 10 day Asia SIM Card will be the perfect option. For example, in Hong Kong your SIM card will act as a Hong Kong Travel SIM, letting you use your 6GB of data to send pictures to friends while you explore. If you decide to carry on to China or Indonesia your SIM will work as a Indonesia prepaid SIM card or a China prepaid SIM until your plan runs out.

If you plan on extending your trip to two weeks, we’ve also got you covered. Our 15 day Asia SIM Card is great for trips to multiple countries in Asia, from South Korea and Japan to Vietnam and Sri Lanka. If you’re planning to spend a few days travelling from Delhi to the Taj Mahal, our SIM Card will be perfect as a travel SIM card for India. If you head on to China for another week of well-deserved holiday, the SIM will automatically become a China prepaid SIM. You can rest easy in the knowledge that you won’t have to face expensive roaming charges as you explore the bustling streets of Shanghai or Beijing’s Forbidden City.

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What is an esim.

An eSIM, or Embedded SIM, is a digital SIM card alternative.

Instead of a physical chip, it's built directly into your smartphone or device. It simplifies the process of switching carriers and plans.

Hassle Free Travel

No more switching SIM cards or dealing with expensive roaming fees.

Say goodbye to pricey roaming fees and hello to cost-effective eSIM plans.

Global Coverage

Stay connected in over 190 countries without the hassle of switching SIMs.

How do eSIMs work?

1. check compatibility.

You can find the list of eSIM compatible phones

2. Buy your eSIM

Choose an eSIM plan that fits your travel needs and get it delivered instantly via email!

3. Scan & Activate

Scan the QR code in your email and turn on Data Roaming to activate your eSIM. Start using it right away!

Is my device eSIM compatible?

• iPhone 15, 15 Plus, 15 Pro, 15 Pro Max
• iPhone 14, 14 Plus, 14 Mini, 14 Pro, 14 Pro Max
• iPhone 13, 13 Mini, 13 Pro, 13 Pro Max
• iPhone 12, 12 Mini, 12 Pro, 12 Pro Max
• iPhone 11, 11 Pro, 11 Pro Max
• iPhone XS, XS Max, XR
• iPhone SE (2020, 2022)
• Apple watch SE
• Apple watch series 3, 4, 5 and 6
• iPad Pro 11″ (model A2068, from 2020)
• iPad Pro 12.9″ (model A2069, from 2020)
• iPad Air (model A2123, from 2019)
• iPad (model A2198, from 2019)
• iPad Mini (model A2124, from 2019)
• IPad 10th generation (2022)

*On iPhone 13, 14 & 15 models, you can have two eSIMs activated at the same time. *iPhones from mainland China and iPhone devices from Hong Kong and Macao (except for iPhone 13 mini, iPhone 12 mini, iPhone SE 2020, and iPhone XS) don’t have eSIM capability. *iPhone 14, iPhone 14 Plus, iPhone 14 Pro, iPhone 14 Pro Max, iPhone 15, iPhone 15 Plus, iPhone 15 Pro, and iPhone 15 Pro Max are not compatible with physical SIM cards in the USA.

• Samsung Galaxy S20, S20+, S20+ 5g
• Samsung Galaxy S20 Ultra, S20 Ultra 5G
• Samsung Galaxy S21, S21+ 5G, S21+ Ultra 5G
• Samsung Galaxy S22, Samsung Galaxy S22+, S22 Ultra
• Samsung Galaxy Note 20, Note 20 Ultra 5G 
• Samsung Galaxy Fold, Z Fold2 5G, Z Fold3 5G, Z Fold4, Z Fold5 5G
• Samsung Galaxy Z Flip, Z Flip3 5G, Z Flip4, Z Flip5 5G
• Samsung Galaxy S23, S23+, S23 Ultra
• Samsung Galaxy S24, S24+, S24 Ultra

*The following Samsung devices are not compatible with eSIM:

• Samsung Galaxy S20 FE 4G/5G
• Samsung Galaxy S21 FE 4G/5G
• Samsung S20/S21 (US versions)
• Samsung Galaxy S23 FE (China/Hong Kong version)
• Galaxy Z Flip 5G (US versions)
• Samsung Note 20 Ultra (Versions from the US and Hong Kong)
• Certain models purchased in South Korea: (reach out to our team!)
• Samsung Galaxy Z Fold 2 (Versions from the US and Hong Kong)
• Pixel 2 (only phones bought with Google Fi service), 2 XL
• Pixel 3 (not including phones bought in Australia, Taiwan or Japan. Phones bought with US or Canadian carriers other than Spring and Google Fi don’t work with eSIM), XL
• Pixel 3a (not including phones bought in Japan or with Verizon service), 3a XL
• Pixel 4, 4a, 4 XL
• Pixel 5, 5a
• Pixel 6, 6a, 6 Pro
• Pixel 7, 7 Pro
• Pixel 8, 8 Pro

*Google Pixel 3 devices from Australia, Japan, and Taiwan are not compatible with eSIM. *Google Pixel 3a from South East Asia is not compatible with eSIM.

• Huawei P40, P40 Pro (The Huawei P40 Pro+ and P50 Pro are not compatible with eSIM)
• Huawei Mate 40 pro
• Motorola Razr (2019), Razr 5G, Razr 40, Razr 40 Ultra, Razr+
• Motorola Edge+, Edge 40, Edge 40 Pro, Edge 40 Neo
• Motorola G52J 5G, G52J 5G Ⅱ, G53J 5G
• Microsoft Surface Duo
• Xiaomi 12T Pro, 13, 13 Lite, 13 Pro, 13T Pro
• Oppo Find X3 Pro, Reno 5A, Reno 6 Pro 5G, Find X5, Find X5 Pro, A55s 5G
• Nuu Mobile X5
• Sharp AQUOS sense4 lite, sense6s, sense 7, sense 7+, AQUOS Wis, Wish 2 SHG08, Wish3, AQUOS zero 6, Simple Sumaho6, AQUOS R7, AQUOS R8, AQUOS R8 Pro
• Rakuten Mini, Big-S, Big, Hand, Hand 5G
• Honor Magic 4 Pro, Magic 5 Pro, Honor 90, Honor X8
• Sony Xperia 10 III Lite, Xperia 10 IV, Xperia 10V, Xperia 1 IV, Xperia 5 IV, Xperia 1 V, Xperia Ace III, Xperia 5 V
• Gemini PDA, Fairphone 4, DOOGEE V30, Oukitel WP30 Pro
• Oneplus Open, OnePLus 11, Oneplus 12
• HAMMER Blade 3, HAMMER Explorer PRO, HAMMER Blade 5G
• Nokia XR21, X30, G60 5G
• Vivo X90 Pro, Vivo V29 Lite 5G (eSIM Supported only in Europe)

eSIM Compatible Devices

• iPhone XS Max
• iPhone 11 Pro
• iPhone 11 Pro Max
• iPhone SE (2020)
• iPhone 12 Mini
• iPhone 12 Pro
• iPhone 12 Pro Max
• iPhone 13 mini
• iPhone 13 Pro
• iPhone 13 Pro Max
• iPhone SE (2022)
• iPhone 14 Plus
• iPhone 14 Pro
• iPhone 14 Pro Max
• iPad Pro (2018 and onwards)
• Watch series 3
• Watch series 4
• Watch series 5
• Watch series 6
• Pixel 6 Pro
• Pixel 7 Pro
• P40 Pro (not including the P40 Pro +)
• Mate 40 Pro
• Galaxy Z Flip
• Galaxy Z Flip 5G
• Galaxy Z Flip3 5G
• Galaxy Z Flip4
• Galaxy Fold
• Galaxy Z Fold2 5G
• Galaxy Z Fold3 5G
• Galaxy Z Fold4
• Galaxy S21+ 5G
• Galaxy S21 Ultra 5G
• Galaxy S22+
• Galaxy S22 Ultra
• Galaxy Note 20 Ultra 5G
• Galaxy Note 20
• Galaxy S23+
• Galaxy S23 Ultra
• Galaxy S20 Ultra 5G
• Planet Computers
• Rakuten Mobile
• Rakuten Mini
• Find X3 Pro
• Find X5 Pro
• Xperia 10 III Lite
• Xperia 10 IV
• Xperia 1 IV
• Xperia 5 IV
• Magic 4 Pro
• Aquos Sense6s

planet computers

rakuten mobile

oneplus Open

Frequently Asked Questions

Pakistan sim card.

Are you planning a trip to Pakistan? If so, make sure you’re equipped with one of our prepaid travel SIMs. With data speeds for all your travel needs and zero hidden costs, you’ll be your social media friends’ source of envy as you post your cheeky grinned selfies in front of Faisal Masjid to your socials.

If you’re still not convinced, perhaps the ability to stay in touch with loved ones, access your online banking, use your GPS/map phone apps or translation apps, the list goes on… A few of the many reasons as to why a prepaid travel SIM is an absolute necessity when it comes to overseas travel.

Luckily for you, we’ve got you covered. Affordable prices, ZERO sneaky fees, an extremely responsive customer support team, over 7000 verified 5-star reviews, and SIM card activation as soon as you land? What more could you need?

Whether you’re roaming the Badshahi Mosque or backpacking in the Shakarparian National Park, you’ll be able to choose from our many different data/call options until you find a Pakistan travel SIM that perfectly suits your itinerary.

The Pakistan SIM card you shouldn’t leave home without

Our SIMs are also completely hassle-free and come in all three SIM card sizes (standard, micro, and nano). They feature “plug in and play” compatibility with almost any unlocked device which means you’ll be able to post those cheeky selfies as soon as you land!

You’ll be able to enjoy premium data speeds that use local cell phone towers for up to 30 days (depending on which SIM you purchase), which will make it easy for you to document your entire trip as well as remain in touch with friends and family.

With fuss-free activation, a 100% money-back guarantee , and our support team ready and waiting to assist you with any questions or concerns, you can travel connected worry-free anywhere within Pakistan.

Take the stress out of scrambling around a new country trying to find a prepaid SIM card and let us take care of it - so that you can enjoy what really matters; your holiday!

Order a SIM from us today and start your Pakistan adventures with complete peace of mind.

If you have any questions, please feel free to contact us via our social media, our email  or via our online chat (which can be found on our website), and we’ll be sure to get back to you as soon as possible.

Otherwise, if you’re simply after travel recommendations, get in touch with us and we’ll be able to recommend some of our favorite spots as well as the perfect SIM to go with it.

We also recommend visiting   Travel Advisories  before you take off on your journey.

Happy and safe travels!

The best SIM card for NZ

You have booked your trip to NZ and now you're thinking... What's the best NZ SIM card for my trip?

Well you're in the right place 👍

Here, you can find the best value NZ SIM cards that are super easy to use so when you land you will connect instantly and avoid the chaos of buying a SIM at the airport.

Keep reading or watch our video with all the available options so you can make the right choice.

All your options, compared.

Best bang for your buck: The 10GB New Zealand SIM

Other Aussie travellers like you rated the 10GB option the best with over 800+ 5 star Reviews.

Below are our options compared with Vodafone and Spark mobile, the major providers in New Zealand.

Small Plans

For the budget traveller looking to save money.

• Best suited for minimal data users
• Research restaurants, places and sites on the go
• Use google maps for your travels

• 200 mins & texts in NZ
• 100 mins & texts to Aus
• 30 day validity

• 300 mins to NZ & Aus
• Unlimited texts to NZ & Aus

For the full guide on how to use this SIM, view our SIM guide here.

Medium Plans

The 'all rounder'. There's a reason that Aussie travellers love this one.

Get this one if you:

• Want best bang for your buck
• Need access to a lot of apps including maps, social media etc.
• Unlimited mins & texts in NZ
• 200 mins & texts to Aus
• 60 day validity
• Unlimited calls to NZ & Aus
• 300 mins & texts to Aus

For the full guide on how to use this SIM, view our SIM guide here .

Large Plans

For the traveller who needs heavy internet usage on the go for 1 or multiple devices.

• Don't worry about running out of data
• Can hotspot to multiple devices
• Great for videos, maps, social media and big downloads
• Unlimited calls & texts in NZ

Bottom Line

You are looking for the right SIM for your needs and want to make the right choice so you can travel around New Zealand easily.

By choosing one of the SIM cards through SimsDirect you are avoiding the hassle when you land and getting the best value SIM cards for Aussie travellers.

Plus you get free delivery and 100% money back guarantee with every purchase.

You can't go wrong with the SimsDirect 10GB SIM that comes with unlimited calls & texts to NZ and Australian numbers.

Shipping and Delivery

When it comes to finding the best SIM card for Pakistan several factors need to be considered. Different providers offer various options tailored to meet specific needs. However, Simify is a reliable choice for obtaining a SIM card that works well in Pakistan With Simify's SIM cards, you can enjoy reliable coverage, affordable rates, and convenient features designed for travelers. Whether you're visiting Pakistan for business or leisure, Simify offers a range of plans suitable for data, calls, and messaging. Stay connected and make the most of your experience in Pakistan with Simify's SIM cards.

Absolutely! Getting a SIM card for Pakistan is highly beneficial for several reasons. By getting a local SIM card, you gain access to reliable and affordable mobile services while in Pakistan. Here are some advantages:

Cost savings: Using a local SIM card allows you to take advantage of local rates for data, calls, and text messages. It can save you significant expenses compared to using international roaming services.

Increased convenience: With a local SIM card, you have a dedicated local phone number, making it easier for locals and other travelers to reach you. It also eliminates the need for constantly switching SIM cards or relying on Wi-Fi for connectivity.

Seamless communication: Having a local SIM card ensures reliable communication with local businesses, hotels, transportation services, and emergency services. You can easily make local calls, send messages, and access the internet without any limitations.

Data access: A local SIM card provides you with affordable data plans, allowing you to stay connected, access maps, browse the internet, and use various apps while exploring Pakistan.

Overall, getting a SIM card for Pakistan offers convenience, cost savings, and a reliable means of communication. It enhances your travel experience by keeping you connected with ease. Consider getting a local SIM card for Pakistan to fully enjoy your stay and make the most of your time there.

Pakistan SIM cards are generally compatible with a wide range of unlocked mobile phones. Unlocked phones are not tied to a specific carrier and allow you to use SIM cards from various providers. This flexibility enables you to easily use a Pakistan SIM card in your existing phone or purchase a new unlocked phone if needed.

Most modern smartphones, including popular brands like Apple, Samsung, Google, and OnePlus, are compatible with Pakistan SIM cards. Additionally, older models and feature phones with support for the required frequency bands should work fine as well.

It's important to ensure that your phone supports the frequency bands used by the mobile networks in Pakistan to ensure optimal coverage and performance. You can usually find this information in your phone's specifications or by checking with the manufacturer.

If you're unsure about your phone's compatibility, you can contact the Pakistan SIM card provider or consult with a local retailer to get more specific information based on your phone model.

Yes, you can use your mobile or cell phone in Pakistan. However, there are a few potential issues to consider:

Network Compatibility: Your phone's compatibility with the network frequencies used in Pakistan may vary. Some phone models may not support all the frequency bands required for optimal coverage.

SIM Card: To use your phone in Pakistan you will need a local SIM card. Roaming with your home country's SIM card may result in higher charges for calls, messages, and data usage.

Unlocking: If your phone is locked to a specific mobile service provider, you may need to unlock it before using a local SIM card in Pakistan Unlocking requirements and processes can vary depending on your service provider.

Now, here's where Simify comes in to offer a solution:

Simify provides a convenient solution to overcome these issues:

Network Compatibility: Simify's SIM cards are compatible with the network frequencies used in Pakistan ensuring optimal coverage and connectivity.

SIM Card: Simify offers local SIM cards for Pakistan that provide cost-effective rates for calls, messages, and data. By using Simify's SIM card, you can avoid high roaming charges and enjoy affordable local rates.

Unlocking: If your phone is locked, you can still use Simify's SIM card. Simply unlock your phone by contacting your mobile service provider or using third-party unlocking services. Once unlocked, you can easily insert and activate Simify's SIM card.

By utilizing Simify's services, you can seamlessly use your mobile or cell phone in Pakistan without the concerns of network compatibility, expensive roaming charges, or locked devices. Stay connected with ease and affordability by choosing Simify's reliable SIM card solution.

Yes, at Simify, we offer Pakistan SIM cards to customers in the US. Our goal is to provide a seamless and convenient experience for travelers heading to Pakistan You can easily purchase our Pakistan SIM cards online and have them delivered to your location in the US prior to your trip. Our SIM cards are specifically tailored to offer reliable coverage and affordable rates while you're in Pakistan Stay connected and make the most of your travel experience with Simify's Pakistan SIM cards.

No, USA SIM cards typically do not work in Pakistan due to compatibility and roaming agreements between different mobile service providers. Using a USA SIM card in Pakistan may result in limited or no network coverage, high roaming charges, and unreliable connectivity.

To ensure seamless communication and avoid these issues, it is recommended to use a local SIM card in Pakistan. Simify offers dedicated Pakistan SIM cards that are designed to provide reliable coverage, affordable rates, and convenient connectivity for travelers. By using Simify's Pakistan SIM card, you can enjoy local rates, access local networks, and stay connected throughout your visit.

With Simify's reliable service, you can avoid the limitations and costs associated with using a USA SIM card in Pakistan. Make the most of your travel experience and stay connected with ease by choosing Simify's Pakistan SIM card solution.

Yes, at Simify, we offer Pakistan SIM cards to customers in Canada. We understand the needs of Canadian travelers heading to Pakistan and provide convenient options for staying connected during your trip. Our Pakistan SIM cards are designed to offer reliable coverage, affordable rates, and seamless connectivity in Pakistan. You can easily purchase our SIM cards online and have them delivered to your location in Canada before your departure. With Simify's Pakistan SIM card, you can enjoy local rates for calls, messages, and data usage while exploring Pakistan. Stay connected and make the most of your travel experience with Simify's Pakistan SIM cards.

Yes, at Simify, we offer Pakistan SIM cards to customers in Australia. If you're planning a trip to Pakistan we understand the importance of staying connected while abroad. Our Pakistan SIM cards are designed to provide you with convenient and cost-effective connectivity during your travels. You can easily purchase our SIM cards online and have them delivered to your location in Australia before your departure. With Simify's Pakistan SIM card, you can enjoy local rates for calls, messages, and data usage while exploring Pakistan. Stay connected and make the most of your travel experience with Simify's Pakistan SIM cards.

Yes, at Simify, we offer Pakistan SIM cards to customers in the UK. If you're in the UK and planning a trip to Pakistan we understand the importance of having reliable connectivity during your travels. Our Pakistan SIM cards are designed to provide you with convenient and cost-effective connectivity while exploring Pakistan. You can easily purchase our SIM cards online and have them delivered to your location in the UK before your departure. With Simify's Pakistan SIM card, you can enjoy local rates for calls, messages, and data usage, ensuring a seamless communication experience during your visit to Pakistan. Stay connected and make the most of your travel experience with Simify's Pakistan SIM cards.

Delivery times vary depending on your location, please refer to the shipping options below:

Shipping Method:

First Class Mail (3-5 business days) - Free Priority Mail (2-4 business days) - $8.99

All orders are shipped from our Baltimore office.

Same-day dispatch is available on orders placed before 4pm EDT Monday - Friday. Any orders placed after 3 pm will be dispatched the next day.

Once we've shipped your order, you will receive a tracking number via email. Click the View Order button in your confirmation email to monitor the status of your delivery.

If you're leaving soon and your order hasn't arrived, please contact us so we can arrange to have it delivered to you with free express shipping. It is important to us that we ensure your SIM card(s) arrive well before you take off.

Product Information

Yes! We offer 3 different sizes for each SIM card - Standard, Micro, and Nano. All you need to do is make sure that you pop out the correct size that is compatible with your device.

The SIM will only activate once you have inserted it into your device, which, in most cases, is when you have arrived at your destination.

You can find more specific activation steps here .

Zero. We're here to help you save money whilst abroad. With our SIM cards, you'll get all the data and outgoing calls that you pay for without any added surcharges or hidden costs. For as little as $2 a day, we offer the cheapest way of staying online while you're travelling.

If you purchased your device outright then it is most likely unlocked. Devices purchased alongside a contract are usually locked. If you are unsure, contact your service provider, they may even be able to unlock it for you (usually incurring a fee).

You’ll be able to track your data usage directly from your device, please click here for an in-depth guide on how to do so.

Traveling the Globe?

Check out the explorer collection, recently viewed, why we need activation dates.

• We need these dates to activate your SIM card so you can use them when you’re ready to travel.
• If you don’t give us an activation date, your SIM card will not work when you plug them into your phone.

Not sure on your dates yet?

• You can add in an estimated date for your SIM. Your SIM’s data & validity won’t start until you plug it into your device.
• Once you know your exact dates, please let us know via our live chat or at [email protected] so we can activate it for you at the right time. 

What if you need to change the dates?

• You can reach out to us via our live chat or at [email protected] with your SIM number so we can change it for you.

Pakistan SIM Cards: Everything You Need To Know

by Melissa Giroux | Last updated Apr 18, 2024 | Asia , SIM Cards , Travel Tips

Visiting Pakistan soon? Make sure to know what to expect when it comes to purchasing a Pakistan SIM card .

Fortunately, Asia is one of the places where you can buy a SIM card easily.

You should be able to find an affordable SIM card pretty much anywhere in Pakistan. In fact, most data packages are relatively cheap, which makes the whole thing easier!

In this guide, we’ll explain where to buy a SIM card for Pakistan in person and online. We’ll also discuss prepaid travel SIM cards and eSIMs if your mobile supports them.

Before you read this guide, you may wonder if you actually need a SIM card in Pakistan.

If you don’t mind not having Internet, you’ll likely find free Wifi in restaurants, shopping malls, and hotels.

That said, if you need data to get around, call a cab, or translate Urdu – you may want to get a SIM card for your travels in Pakistan.

Best Pakistan SIM Cards

If you’re traveling in Pakistan, we recommend using a SIM card from Telenor, Ufone, Zong, or Airalo. (I’ll get back to Airalo later on, so keep reading to learn more!)

That said, if you’re planning on visiting other countries during your trip to Asia, you might want to make sure to pick a global option that offers coverage in other countries.

How To Buy A SIM Card In Pakistan

You can either buy a Pakistan prepaid SIM card in person in some international airports, mobile provider stores, convenience stores, or online.

Usually, you can expect higher costs and low data offers at the airport, so we don’t recommend buying a SIM card at the airport.

That said, you won’t necessarily find SIM card shops in every airport, so it’s essential to keep this in mind. And, when you see a shop, you might also have limited options.

For this reason, I’d recommend buying a SIM card directly from the mobile provider store. Note that you may need your passport to buy one.

Although, this means you won’t get data right upon your arrival. So, if you prefer to be connected at all times, you could use an eSIM or purchase a prepaid SIM card online.

Now, let’s take a look at the data plans offered by Telenor, Ufone, and Zong.

Telenor SIM Cards

Telenor offers four different types of tourist plans:

• 8 GB, valid for 7 days for PKR 190 ($0.67)
• 20 GB, valid for 7 days for PKR 240 ($0.85)
• 8 GB, valid for 30 days for PKR 370 ($1.31)
• 50 GB, valid for 30 days for PKR 700 ($2.48)

Ufone SIM Cards

Ufone has several different prepaid plans available:

• 750 MB, valid for 1 day for PKR 10 ($0.03)
• 16 GB, valid for 7 days for PKR 260 ($0.92)
• 18 GB, valid for 30 days for PKR 549 ($1.94)
• 30 GB, valid for 30 days for PKR 730 ($2.58)

Zong SIM Cards

Zong offers several main SIM-only plans for tourists:

• 1 GB, valid for 1 day for PKR 49 ($0.17)
• 40 GB, valid for 7 days for PKR 420 ($1.49)
• 20 GB, valid for 30 days for PKR 575 ($2.03)
• 40 GB, valid for 30 days for PKR 1249 ($4.42)
• 60 GB, valid for 30 days for PKR 1350 ($4.77)

Overall, we think Zong is the best option if you plan to buy your SIM card in person.

That said, any would do if you can’t find their store!

How To Buy A Pakistan Prepaid SIM Card Online

If you wish to have your SIM card ready for your arrival, you could purchase it online or on websites like Amazon.

You’ll find different SIM cards for Pakistan on Amazon. For example, the OneSimCard works in more than 200+ countries and gives you data for $0.01 per MB. Pakistan is included.

But there are many other options worth considering, so have a look and make sure the countries you plan on visiting are listed.

Browse your options on Amazon

Another option is to purchase a prepaid Pakistan SIM card on SimOptions .

They currently offer two packages that cover Pakistan:

• 1 GB, valid for 14 days for $49.90
• 10 GB, valid for 14 days for $49.90

Browse your options on SimOptions

Finally, the last option is to buy a Pakistan eSIM card plan.

How To Buy A Pakistan ESIM Card

eSIM is a new concept that allows you to have a virtual SIM card inside your phone.

If your mobile phone supports eSIM cards – it’s definitely one of the best options to get data in Pakistan.

Curious? Learn more about eSIMs for travelers on eSIM Roamers .

I started using eSIM as soon as my mobile phone supported it. To buy eSIMs, I usually use Airalo , a reliable eSIM provider.

Keep reading to learn more about the best eSIMs for Pakistan.

Airalo Pakistan

If you want a Pakistan eSIM, you could purchase one on Airalo .

This website offers many eSIM cards worldwide and special plans for Pakistan.

I’ve been using Airalo for several months, and it works fine. Learn more by reading our Airalo review .

Here are the options available :

• 1 GB, valid for 7 days for $4.50
• 2 GB, valid for 15 days for $7
• 3 GB, valid for 30 days for $9.50
• 5 GB, valid for 30 days for $13
• 10 GB, valid for 30 days for $21
• 20 GB, valid for 30 days for $32

Go to Airalo

Holafly Pakistan

Alternatively, you could look at your options on Holafly .

You can read our Holafly review to learn more about this eSIM store.

Here’s an overview of the plans for Pakistan:

• Unlimited data, valid for 5 days for $19
• Unlimited data, valid for 7 days for $27
• Unlimited data, valid for 10 days for $34
• Unlimited data, valid for 15 days for $47
• Unlimited data, valid for 20 days for $54

Go to Holafly

Final Thoughts On SIM Cards In Pakistan

As you can see, getting a prepaid SIM card in Pakistan or even an eSIM for your travels in Pakistan is pretty straightforward.

You’ll even be able to stay connected wherever you go in Asia without changing your SIM card, especially if you purchase a global plan.

I believe the eSIM card is the most convenient way to get data in Pakistan if you wish to have data upon your arrival.

This way, you won’t need to go to a store to buy a SIM card.

However, you need to make sure your mobile phone supports eSIM first.

Traveling to Asia soon? Read one of the following blog posts:

• Uzbekistan SIM card
• Bangladesh SIM card
• Tajikistan SIM card

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3 Best Travel Cards for Pakistan

Getting an international travel card before you travel to Pakistan can make it cheaper and more convenient when you spend in Pakistani Rupee. You'll be able to easily top up your card in MYR before you leave Malaysia, to convert seamlessly to PKR for secure and flexible spending and withdrawals.

This guide walks through our picks of 6 of the best travel cards available for anyone from Malaysia heading to Pakistan, like Wise or BigPay. We'll walk through a head to head comparison, and a detailed look at their features, benefits and drawbacks.

3 best travel money cards for Pakistan:

Let's kick off our roundup of the best travel cards for Pakistan with a head to head comparison on important features. Here's an overview of the providers we've picked to look at, for customers looking for ways to spend conveniently overseas when travelling from Malaysia:

Each of the international travel cards we’ve picked out have their own features and fees, which may mean they suit different customer needs. Keep reading to learn more about the features, advantages and disadvantages of each - plus a look at how to order the travel card of your choice before you head off to Pakistan.

Wise travel card

Open a Wise account online or in the Wise app, to order a Wise travel card you can use for convenient spending and withdrawals in Pakistan. Wise accounts can hold 40+ currencies, so you can top up in MYR easily from your bank or using your card. Whenever you travel, to Pakistan or beyond, you’ll have the option to convert to the currency you need in advance if it’s supported for holding a balance, or simply let the card do the conversion at the point of payment.

In either case you’ll get the mid-market exchange rate with low, transparent fees whenever you spend in PKR, plus some free ATM withdrawals every month - perfect if you’re looking for easy ways to arrange your travel cash.

Wise features

Wise travel card pros and cons.

• Hold and exchange 40+ currencies with the mid-market rate
• Spend seamlessly in PKR when you travel
• Some free ATM withdrawals every month, for those times only cash will do
• Ways to receive payments to your Wise account conveniently
• Manage your account and card from your phone
• 13.7 MYR fee to order your physical card
• ATM fees apply once you've exhausted your monthly free withdrawals
• Physical cards may take 14 days to arrive (you can use your virtual card right away)

Here’s how to apply for a Wise account and order a Wise  travel card in Malaysia:

Open the Wise app or desktop site

Select Register and confirm you want to open a personal account

Register with your email, Facebook, Apple or Google ID

Upload your ID document to complete the verification step

Tap the Cards tab to order your card, and pay the required fee

Confirm your mailing address, and your card will be on the way, and should arrive in 14 days

BigPay travel card

BigPay is a super popular app and card in Malaysia, which you can use for spending in Pakistan and globally.

You’ll be able to hold a balance in MYR and spend or make withdrawals in PKR, keeping track of everything in your app for convenience. There’s a low foreign transaction fee of 1% or less when you spend internationally, which can mean you save compared to using a bank card. Plus as your BigPay card isn’t connected to your bank account, it’s secure, no matter where in the world you are.

BigPay features

Bigpay travel card pros and cons.

• Very popular local app and card, with a large user base
• Earn AirAsia points as you spend
• Get extras like ways to pay bills and send money to others
• Ways to budget and plan your money conveniently
• Manage your account from the app wherever you are
• No foreign currency balance option
• 20 MYR card order fee
• 10 MYR ATM fee
• Up to 1% foreign transaction fee

How to apply for a BigPay card

Here’s how to apply for a BigPay account and order a travel card in Malaysia:

Open the BigPay website or download the app

Click Get BigPay

Complete the account application steps and get verified

Pay the card fee, and your card will be delivered by mail

Touch ’n Go travel card

If you have a Touch’n Go enhanced card you can use it for spending and withdrawals in Pakistan. Your MYR balance will be converted to PKR using the Alipay exchange rate at the point that you pay, so there’s no need to set up your travel money in advance. There are international ATM fees of 10 MYR if you choose to make withdrawals, but the Alipay rate may be better than the rate you get from your bank so it’s still worth comparing your options.

Touch ’n Go features

Touch ’n go travel card pros and cons.

• Popular option which can be easily used to pay road tolls, parking and more, as well as for spending
• Manage your card in the app wherever you happen to be
• Secure as not linked to your normal account
• Lots of local spending is free
• Exchange rates may include a fee
• 10 MYR international ATM fee

How to apply for a Touch’n Go card

Here’s how to apply for a Touch’n Go account and order a travel card in Malaysia:

Open the Touch’n Go website or download the app

Click the option to order an enhanced card

Pay any required fee, and your card will be delivered by mail

What is a travel money card?

A travel money card is a card you can use for secure and convenient payments and withdrawals overseas.

You can use a travel money card to tap and pay in stores and restaurants, with a wallet like Apple Pay, or to make ATM withdrawals so you'll always have a bit of cash in your pocket when you travel.

Although there are lots of different travel money cards on the market, all of which are unique, one similarity you'll spot is that the features and fees have always been optimised for international use. That might mean you get a better exchange rate compared to using your normal card overseas, or that you run into fewer fees for common international transactions like ATM withdrawals.

Travel money cards also offer distinct benefits when it comes to security. Your travel money card isn't linked to your Malaysian Ringgit everyday account, so even if you were unlucky and had your card stolen, your primary bank account remains secure.

Travel money vs prepaid card vs travel credit card

It's helpful to know that you'll be able to pick from several different types of travel cards, depending on your priorities and preferences. Travel cards commonly include:

• Travel debit cards
• Travel prepaid cards
• Travel credit cards

They all have distinct benefits when you head off to Pakistan or elsewhere in the world, but they do work a bit differently.

Travel debit and prepaid cards are usually linked to an online account, and may come from specialist digital providers - like the Wise card. These cards are usually flexible and cheap to use. You'll be able to manage your account and card through an app, although you can also often add money via the web or, if the card has physical branches, in-branch.

Travel credit cards are different and may suit different customer needs. As with any other credit card, you may need to pay an annual fee or interest and penalties depending on how you manage your account - but you could also earn extra rewards when spending in a foreign currency, or travel benefits like free insurance for example. Generally using a travel credit card can be more expensive compared to a debit or prepaid card - but it does let you spread out the costs of your travel across several months if you'd like to and don't mind paying interest to do so.

What is a prepaid travel money card best for?

Let's take a look at the advantages of using a prepaid travel money card for travellers going to Pakistan. While each travel card is a little different, you'll usually find some or all of the following benefits:

• Hold and exchange foreign currencies - allowing you to lock in exchange rates and set a travel budget before you leave
• Convenient for spending in person and through mobile wallets like Apple Pay, as well as for cash withdrawals
• You may find you get a better exchange rate compared to your bank - and you'll usually be able to avoid any foreign transaction fee, too
• Travel cards are secure as they're not linked to your everyday MYR account - and because you can make ATM withdrawals when you need to, you can also avoid carrying too much cash at once

Overall, travel cards offer flexible and low cost ways to avoid bank foreign transaction and international ATM fees, while accessing decent exchange rates.

How to choose the best travel card for Pakistan

We've picked out 3 great travel cards available in Malaysia - but there are also more options available, which can make choosing a daunting task. Some things to consider when picking a travel card for Pakistan include:

• What exchange rates does the card use? Choosing one with the mid-market rate or as close as possible to it is usually a smart plan
• What fees are unavoidable? For example, ATM charges or top up fees for your preferred top up methods
• Does the card support a good range of currencies? Getting a card which allows you to hold and spend in PKR can give you the most flexibility, but it's also a good idea to pick a card with lots of currency options, so you can use it again in future, too
• Are there any other charges? Check in particular for foreign transaction fees, local ATM withdrawal fees, inactivity fees and account close fees

Ultimately the right card for you will depend on your specific needs and preferences.

What makes a good travel card for Pakistan

The best travel debit card for Pakistan really depends on your personal preferences and how you like to manage your money.

Overall, it pays to look for a card which lets you minimise fees and access favourable exchange rates - ideally the mid-market rate. While currency exchange rates do change all the time, the mid-market rate is a good benchmark to use as it's the one available to banks when trading on wholesale markets. Getting this rate, with transparent conversion fees, makes it easier to compare costs and see exactly what you're paying when you spend in PKR.

Other features and benefits to look out for include low ATM withdrawal fees, complimentary travel insurance, airport lounge access or emergency cash if your card is stolen. It's also important to look into the security features of any travel card you might pick for Pakistan. Look for a card which uses 2 factor authentication when accessing the account app, which allows you to set instant transaction notifications, and which has easy ways to freeze, unfreeze and cancel your card with your phone.

For Pakistan in particular, choosing a card which offers contactless payments and which is compatible with mobile wallets like Apple Pay could be a good plan. Card payments are extremely popular in Pakistan - so having a card which lets you tap and pay easily can speed things up and make it more convenient during your trip.

Ways to pay in Pakistan

Cash and card payments - including contactless, mobile wallet, debit, credit and prepaid card payments - are the most popular ways to pay globally.

In Pakistan, both card payments and cash payments are common. You'll be able to make Chip and PIN or contactless payments or use your favourite mobile wallet like Apple Pay to tap and pay on the go, but it's still worth having a little cash on you just in case - and for the odd situations where cash is more convenient, such as when tipping or buying a small item in a market.

Which countries use PKR?

You'll find that PKR can only be used in Pakistan. If you don't travel to Pakistan frequently it's worth thinking carefully about how much to exchange so you're not left with extra foreign currency after your trip.

What should you be aware of when travelling to Pakistan

You're sure to have a great time in Pakistan - but whenever you're travelling abroad it's worth putting in a little advance thought to make sure everything is organised and your trip goes smoothly. Here are a few things to think about:

1. Double check the latest entry requirements and visas - rules can change abruptly, so even if you're been to Pakistan before it's worth looking up the most recent entry requirements so you don't have any hassle on the border

2. Plan your currency exchange and payment methods - you can change MYR to PKR before you travel to Pakistan if you'd like to, but as card payments are common, and ATMs widely available, you can actually leave it until you arrive to get everything sorted as long as you have a travel money card. Top up your travel money card in MYR and either exchange to PKR in advance or at the point of payment, and make ATM withdrawals whenever you need cash. Bear in mind that currency exchange at the airport will be expensive - so hold on until you reach Pakistan to make an ATM withdrawal in PKR if you can.

3. Get clued up on any health or safety concerns - get travel insurance before you leave Malaysia so you have peace of mind. It's also worth reading up on any common scams or issues experienced by tourists. These tend to change over time, but may include things like rip off taxis or tour agents which don't offer fair prices or adequate services.

Conclusion - Best travel cards for Pakistan

Ultimately the best travel card for your trip to Pakistan will depend on how you like to manage your money. Use this guide to get some insights into the most popular options out there, and to decide which may suit your specific needs.

FAQ - best travel cards for Pakistan

When you use a travel money card you may find there’s an ATM withdrawal fee from your card issuer, and there may also be a cost applied by the ATM operator. Some of our travel cards have some no fee ATM withdrawals every month, which can help keep down costs.

Travel money cards may be debit, prepaid or credit cards. Which is best for you will depend on your personal preferences. Debit and prepaid cards are usually pretty cheap and secure to spend with, while credit cards may have higher fees but often come with extra perks like free travel insurance and extra reward points.

There’s no single best prepaid card for international use. Look out for one which supports a large range of currencies, with good exchange rates and low fees. This guide can help you compare some popular options, including Wise and BigPay.

Yes, you can use your local debit card when you’re overseas. However, it’s common to find extra fees apply when spending in foreign currencies with a regular debit card. These can include foreign transaction fees and international ATM charges.

Usually having a selection of ways to pay - including a travel card, your credit or debit card, and some cash - is the best bet. That means that no matter what happens, you have an alternative payment method you can use conveniently.

Yes. Most travel debit cards have options to make ATM withdrawals. Check the fees that apply as card charges do vary a lot. Some cards have local and international fees on all withdrawals, while others let you make some no fee withdrawals monthly before a fee kicks in.

Both Visa and Mastercard are globally accepted. Look out for the logo on ATMs and payment terminals in Pakistan.

The cards you see on this page are ordered as follows:

For card providers that publish their exchange rates on their website, we used their MYR / PKR rate to calculate how much Pakistani Rupee you would receive when exchanging / spending RM20,000. The card provider offering the most PKR is displayed at the top, the next highest below that, and so on.

The rates were collected at 15:54:21 GMT on 19 February 2024.

Below this we display card providers for which we could not verify their exchange rates. These are displayed in alphabetical order.

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Pakistan SIM Card

This specific country sim is not available. however, we now offer a better option for pakistan with much better coverage, the telestial pure world that will offer great low rates in pakistan and over the world. you can view details and order here: http://www.telestial.com/international-sim-card, great for international and local calls.

• Calls and texts in Pakistan and over 190 other countries
• Data in Pakistan and over 160 other countries

Local and Global SIM in One

A prepaid Pakistan & International SIM card with an international cell phone is the most convenient and economical solution for staying in touch while you travel through Pakistan.

And if your travels take you outside of Pakistan, the Pakistan & International SIM Card has got you covered by providing service on over 190 other countries.

Rates and Coverage

Prepaid Pakistan World SIM Card provides you with straightforward roaming rates by country. Coverage in 200+ countries .

Note: If you purchased this SIM card before March 19, 2019, please see the rates here .

Popular coverage countries include:

Tell us which countries you plan to visit:

Rates are charged per min, text & MB. View Rate Finder for full rates.

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Dedicated International Phone Number

Voicemail service, one flat rate for pakistan, free shipping at checkout, easily track your balance, 24/7 customer service, international data plans.

Purchase one of our prepaid data plans to get highly discounted data rates to cheaply access the internet and download data almost anywhere in the world! You can save up to 500% with a Prepaid Global Data Plan.

Alternatively, your pay-as-you-go credit will allow you to access the internet in over 190 countries . View the rate finder .

Add Airtime Credit

It is fast and easy to add more pre-paid credit anytime online either from your on-line account or from your Telestial mobile phone. With our travel SIM card, we've got you covered worldwide.

Travel SIM Information

Recommended packs, pure europe sim card.

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• Calls: 25c/min
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Buying a Sim Card for Pakistan in 2024

Planning your trip to Pakistan and wondering what is the best sim card to stay connected? Buying a local prepaid sim card in Pakistan is cheap but there are also e-sim cards for Pakistan which are very easy to instal on your phone. But what it the best way to get a data connection on your phone?

In this guide I will tell you everything you need to know about prepaid sim cards for tourists for Pakistan with the best 4G network coverage, up to date prices as per June 2024, the best e-sim cards for Pakistan, where to buy a sim card, my recommendation, a vlog with all my experiences, info about international sim cards and more.

As part of my journey to visit every country in the world I get to a lot of different countries and cities. Buying a local prepaid sim card or getting an e-sim card is the first thing I do when arriving somewhere new.

Many years ago I started documenting this and therefore you can find more than 200 sim card guides on my website: Thailand , Indonesia , USA , Canada , Europe , London , Dubai , Turkey , Istanbul , Saudi Arabia and many more.

Over the last years I made multiple trips to Pakistan and used several different prepaid, postpaid and e-sim cards. In this blog you can read all about my experiences.

Some links in this article about the best ways to stay connected when traveling to Pakistan are affiliate links. If you buy any of the products after using an affiliate link in this article I earn a small commission. This is at absolutely no extra cost to you!

My recommendation

Traveltomtom recommends a Jazz prepaid sim card for Pakistan. Make sure you get a prepaid sim card and not a post paid sim card. You can already 24 GB for $3 USD, but say no to postpaid! More about it later.

To get through the first days Traveltomtom recommends to always arrive with an installed e-sim card for Pakistan on your phone. At the international airports of Pakistan: Lahore, Islamabad, Karachi as well as Peshawar there are no sim card shops for tourists to buy a local prepaid sim card and there are also very few stores in the city that are qualified to process a prepaid sim card for foreigners. Therefore an e-sim card for Pakistan will do wonders for your first days.

Does this already seem like too much hassle then simply stick to Pakistan e-sim cards you can buy on the internet.

Phone stores in Pakistan have limited opening times and sometimes it can take up to 24 hours before a prepaid sim card is activated when you buy a prepaid sim card in Pakistan.

We also recommend looking into international sim cards for Pakistan. These travel sim cards can come in very handy especially when you travel to multiple destinations. Have a look at my comparison of the best international sim cards for traveling in 2024  and find the one that suits your trip the best.

Best e-sim cards for Pakistan

It is no secret that e-sim cards are the easiest way to stay connected when traveling to Pakistan in 2024. You arrange everything online and as soon as the plane lands you are connected and have data on your phone.

No more visiting a sim card shop on arrival in Pakistan and no need to swap a physical sim cards! is your thing. You order a Pakistan e-sim card online, you receive a QR code, scan it, follow the simple instructions and you are all set.

Note that the mobile internet providers in Pakistan do not provide e-sim cards for tourists. Only physical prepaid sim cards are available.

There are multiple e-sim card providers that offer e-sim cards for Pakistan in 2024.

Check out the following Pakistan e-sim card deals from Airalo:

• 1 GB data for 7 days = $5 USD
• 3 GB data for 30 days = $12 USD
• 5 GB data for 30 days = $17.5 USD
• 10 GB data for 30 days = $30 USD

Click here to directly order an e-sim card for Pakistan via Airalo .

The Airalo e-sim cards are from Sheesh and they operate on the 4G/LTE network of Jazz. The by Traveltomtom recommended sim card for Pakistan.

SimOptions offers the following e-sim card plans for Pakistan in 2024:

• 1 GB data for 7 days = $7.90 USD
• 3 GB data for 15 days = $14.90 USD
• 6 GB data for 10 days = $17.90 USD
• 10 GB data for 30 days = $39.90 USD
• 20 GB data for 30 days = $69.90 USD

Click here to order a Pakistan e-sim card via SimOptions .

Nomad offers the following e-sim card deals for traveling to Pakistan in 2024:

• 1 GB data for 7 days = $6 USD
• 3 GB data for 30 days = $11 USD
• 5 GB data for 30 days = $14 USD
• 10 GB data for 30 days = $21 USD
• 15 GB data for 30 days = $25 USD
• 20 GB data for 45 days = $31 USD

Click here for more info or to directly order a Nomad e-sim card for Pakistan .

The Nomad e-sim cards are from SingTel and they operate on the 4G/LTE network of Jazz.

Before ordering an e-sim card for Pakistan make sure your phone is e-sim compatible.

If your phone is not e-sim compatible you can order a physical prepaid sim card for Pakistan. This pre-activated sim card will be shipped to your home address before your trip. For $49.90 USD you get 10 GB data for 14 days.

Click here to order a physical prepaid sim card for Pakistan online via SimOptions .

Why buying a sim card in Pakistan

Buying a local prepaid sim card in Pakistan is the best way to get yourself a working data connection on your phone. It is also by far the cheapest way and will save you a lot of money on high roaming costs plus it gets you the fastest connection.

Did you know that overseas data plans limit their speed? When buying a sim card in Pakistan you will be able to have a 4G connection in most of the tourist destinations in Pakistan without any limitations.

Also don’t rely on WiFi in Pakistan. Most hotels have WiFi and I must say these days it works ok in the main cities, but as soon as you go off the beaten path don’t expect a good WiFi signal. Also another reminder that public WiFi is an UNSECURED connection, the use of a VPN is recommended.

A sim card with data is cheap in Pakistan, trust me you are going to love being able to surf the internet. There is Uber and Careem in Pakistan, to order a taxi you need internet, also to kill time on long bus rides or get directions from Google Maps or use translate apps it is convenient to have internet on your phone. It simply makes traveling in Pakistan much more convenient.

Where to buy a sim card in Pakistan

Buying a sim card in Pakistan is a little more complicated than many other countries. However, if you go to the right place things can be fixed in as little as 5 minutes. Unfortunately there are kiosks at the International Airports that sell prepaid sim cards for Pakistan in Karachi, Lahore or Islamabad.

It is not possible to buy a Pakistan sim card for tourists at Karachi Airport, Lahore Airport and Islamabad Airport. Please Pakistan change this!

Also the phone stores on the streets are NOT able to sell prepaid sim cards. Tourists will need to go to an official franchise store of one of the mobile internet providers in Pakistan. Only these stores are able to register and activate a Pakistan sim card.

How to find them? Best is to use google maps and type in the by you preferred mobile operators and locate the nearest store next to you. Unfortunately unlike many other countries these official retail stores are not clustered in one of the malls. You will find them randomly around the city.

Sim card registration process

All Pakistan sim cards need to be registered on a passport or national identity card. In case of a foreign passport you will also need your Pakistan visa. Therefore when buying a sim card in Pakistan you will need to bring not only your passport but also your visa.

In the phone store they will take a copy of both your visa as well as your passport page. Your Pakistan sim card is linked to your visa and valid as long as the duration of your visa.

Sounds complicated, right? Yes it is tiring and can be a time consuming process. A great alternative is ordering an e-sim card from either Nomad , SimOptions or Airalo . There is no need for an ID registration when buying and activating an e-sim card for Pakistan.

Mobile internet operators in Pakistan

There are 4 mobile internet providers in Pakistan: Zong, Jazz, Telenor and Ufone. All of them sell sim cards for tourists. Some providers can be complicated providing prepaid sim cards and pressure tourists in buying postpaid sim cards.

Prepaid vs. Postpaid in Pakistan

In any other country when buying a sim card for tourists you always get a prepaid sim card. In Pakistan things are a little different! Read the next thing carefully!

Personally upon arrival I tried buying a Jazz prepaid sim card in Karachi and was told that a foreigner registering a sim card on a passport could only buy a postpaid sim card. Well, if you say so… I believed the lady at Jazz at first of course.

Later I found out that is bullshit. Tourists can buy a prepaid sim card in Pakistan, there is NO need to buy a Postpaid sim card for Pakistan!

However, there is 1 exception. At Zong me and my friend tried to buy a prepaid sim card and they did NOT accept it. I was assured that the Zong company policy is to only accept Postpaid sim cards to be registered on a foreign passport. I asked 3 times to be sure…

For that reason I would already not recommend tourist to buy a Zong prepaid sim card for their trip to Pakistan.

To make it nice and complicated… with Telenor it is the opposite. Foreign passport holders are NOT able to buy a postpaid sim card.

Prices Pakistan sim cards in 2024

The prices for prepaid and postpaid packages in Pakistan vary a lot. Postpaid packages are way more expensive and offer less value for money than prepaid packages.

The info below is update as per June 2024. The currency in Pakistan is the Pakistan Rupee: $1 USD = 278 PKR and 1,000 PKR = $3.60 USD.

A Ufone prepaid sim card cost 250 PKR for the activation. There is the possibility of e-sim but only if you buy a postpaid sim card, not recommended!

Ufone offer 3 prepaid packages, all valid for 30 days:

• 570 PKR = 1.2 GB data + 150 minutes* + 4,000 sms - $3.3
• 599 PKR = 2 GB data + 180 minutes** + 4,200 sms - $3.5
• 999 PKR = 5 GB data + 300 minutes** + 5,000 sms - $5.8

*This package comes with 1,000 minutes to Ufone numbers

**These packages come with unlimited minutes to Ufone numbers + Unlimited Facebook

Ufone offers the following add-ons for data packages:

• 175 PKR = 6 GB for 7 days - $1
• 499 PKR = 13 GB for 30 days - $3

For more information check out the Ufone prepaid sim card page on their website. There are no e-sim cards available, Ufone only offers physical prepaid sim cards for tourists.

As said before Zong’s company policy allows tourists with a foreign passport only to buy a postpaid sim card, they do NOT offer a Pakistan prepaid sim card for tourists. Postpaid is complicated for tourists, trust me not recommended.

A Zong sim card costs 200 PKR for the activation and registration.

These are the monthly Zong postpaid packages you can choose from:

• 672 PKR = 2 GB data + 300 minutes + 1,000 sms - requires a minimum deposit of 1,000 PKR
• 1,075 PKR = 6 GB data + 500 minutes + 2,000 sms - requires a minimum deposit of 2,000 PKR
• 1,615 PKR = 15 GB data + 800 minutes + 4,000 sms - requires a minimum deposit of 3,000 PKR
• 3,361 PKR = 35 GB data + 1,200 minutes + 5,000 sms - requires a minimum deposit of 5,000 PKR

There are a couple extra benefits, see the above photo. I bet the minimum deposit already sounds complicated right? Basically that is the price you are paying and the balance between the deposit and the postpaid package you choose becomes your extra credit.

You can add on data packages as follow:

• 250 PKR = 3 GB - $1.4
• 600 PKR = 10 GB - $3.5
• 1,000 PKR = 20 GB - $6

May against my recommendation you still decide to buy a Zong sim card for Pakistan then I suggest you pay for the cheapest postpaid package and add for 1,000 PKR an extra 20 GB data to your account. For more info check out the Zong Postpaid page on their website.

There are no e-sim cards available, Zong only offers physical prepaid sim cards for tourists.

Buying a Telenor prepaid sim card will cost you 200 PKR for the activation and registration and then you have to choose one of the package:

• 110 PKR = 4 GB data for 7 days
• 185 PKR = 8 GB data for 7 days - $1
• 265 PKR = 30 GB + 5,000 minutes for 7 days (15 GB from 1am-1pm)
• 450 PKR = 20 GB for 30 days (10 GB from 12am-8am)
• 715 PKR = 18 GB + 5,000 minutes for 30 days (9 GB from 1am-1pm)

No need to tell you that the Telenor prepaid sim card deals so far are the best ones we have seen. For more info see the  Telenor website . There are no e-sim cards available, Telenor only offers physical prepaid sim cards for tourists.

Jazz now offers e-sim cards for tourists. In a Jazz store you can opt for a physical prepaid sim card as well as an e-sim card. The costs for an e-sim card are pretty steep compared to the prepaid data plans.

The additional costs for an e-sim are more than an a data plan: $8 USD!

A Jazz sim card costs 300 PKR for the activation and registration. As mentioned before I was lured into buying postpaid but tourist can also buy prepaid and the price difference is big!

Jazz has a wide range of prepaid sim card packages available. These are the best weekly and monthly deals:

• 260 PKR = 12 GB data + 70 minutes + 5,000 sms - valid for 7 days
• 636 PKR = 7 GB data + 150 minutes + 3,000 sms - valid for 30 days
• 800 PKR = 15 GB data + 150 minutes + 5,000 sms - valid for 30 days

They also data only packages:

• 240 PKR = 12 GB data for 7 days (6 GB only available between 2am-2pm) - $1.4
• 290 PKR = 20 GB data for 7 days (10 GB only available between 2am-2pm) - $1.7
• 525 PKR = 20 GB data for 30 days (10 GB only available between 2am-2pm) - $3

You can then add just a couple rupees for calling and you are all set. For more info  Jazz website .

Best 4G/5G network in Pakistan

Apart from the prices it is very important to also look at the 4G network coverage in Pakistan to determine what is the best sim card for tourists.

Is there 5G in Pakistan?

Unfortunately there is still no 5G in Pakistan as per June 2024. They announced to would roll out 5G in the beginning of 2024, lets see...

Ufone 4G mobile network coverage map

Telenor 4G mobile network coverage map

Zong 4G mobile network coverage map

Jazz 4G mobile network coverage map

From the above Pakistan mobile internet coverage maps we can clearly see that Ufone has the weakest mobile network in Pakistan and Jazz and Zong have the best 4G/LTE mobile data network coverage in Pakistan in 2024.

Best sim card for Pakistan in 2024

As long as Zong is not offering prepaid sim card for tourists I won’t be recommending it anyway, on top of that prices for Zong sim cards are simply much more expensive than other operators.

Ufone unfortunately has a very weak mobile internet network compared to the other providers. The Telenor prepaid sim card packages are very affordable which makes Telenor the cheapest Pakistan prepaid sim card. However, a Jazz prepaid sim card is not expensive at all either and besides that Jazz has one of the best network coverage in Pakistan.

All in all this makes Jazz the best prepaid sim card for Pakistan in 2024.

Last reminder that if this all sounds like too much hassle you can also order an e-sim card for Pakistan on the internet if your phone is e-sim compatible. Traveltomtom recommends using  Nomad , SimOptions or Airalo  for buying a Pakistan e-sim card.

Interested in watching a video about my experiences then check out the vlog below which I recorded while traveling in Pakistan.

Sim card for Gilgit Baltistan

Officially the most beautiful province in Pakistan still is a disputed area. When planning your trip to Pakistan I am sure you stumbled upon Hunza Valley, Fairy Meadows, Skardu, Passu and the Khunjerab Pass. All of them are located in the beautiful mountainous region of Gilgit Baltistan. Although officially a conflict area, it is totally safe to travel, but unfortunately none of the previous Pakistan sim cards work up there.

When traveling to the mountains and you want to stay connected you will have to get an SCOM sim card. SCOM is the military network and it works the same as a normal sim card. You can only get an SCOM sim card in Gilgit or in Skardu. The registration process works the same, you will need your passport and your visa and you buy the sim card for 300 PKR ($2) and will have to add data packages to it.

Most of the time you will be disappointed though, because your phone will tell you there is 3G/4G it is still not working. When traveling to Gilgit Baltistan be ready to be disconnected most of the time.

Buy a prepaid sim card for Pakistan online

As of 2024 there is now also the possibility to buy a physical prepaid sim card for Pakistan on the internet.

The Orange Holiday World sim card with 10 GB data for 14 days now includes Pakistan.

• 10 GB data for 14 days = $49.90 USD

It is valid in 124 countries around the world including Pakistan. When you order this physical prepaid sim card it will be delivered to your home address and it is plug and play. These international prepaid sim cards are pre-activated. Basically, as soon as the plane lands you are online and connected.

Click here to order this international prepaid sim card for Pakistan directly online via SimOptions .

My experiences buying a sim card in Pakistan

In 2019 and 2020 my Pakistan trip started in Islamabad and unfortunately there is still no shop at Islamabad International Airport that sells sim cards for tourists. In 2021 and lately again in 2023 I landed in Karachi and unfortunately found out that there neither is a place to buy a Pakistan sim card for tourists at Karachi Airport.

Unlike most other countries around the world, you can not buy a sim card at the airport in Pakistan. At Lahore Airport there is a small shop selling sim cards, but they can’t register the sim card on a foreign passport only on a Pakistan ID.

On my first 2 Pakistan trips I had a Telenor sim card and it was ok. My Pakistani friends told me to get a Telenor sim card as they have the best coverage in the Northern areas of the country: Lahore, Islamabad, Peshawar and that is where I was mostly traveling. I was satisfied back then with my Telenor sim card.

I was promised that Telenor had also ok coverage in Gilgit Baltistan, but that was not true. On my trips to Gilgit Baltistan and Skardu I always bought a separate sim card that works on the military network: SCOM. It only works in Gilgit Baltistan.

It was a pain to use the data network. It was just good enough for WhatsApp and email, it already had problems loading Instagram and Facebook back then in 2019 and 2020.

A good and reliable data connection in the mountains of Pakistan is simply rare. When traveling to Gilgit Baltistan and/or Skardu, just be prepared to go offline.

On another trip to Pakistan in October 2021 I bought a Jazz sim card in Karachi, because my research told me Jazz has the best network coverage in Pakistan. I traveled around the whole country, from Quetta in Balochistan to Sukkur in Sindh, Bahawalpur and Multan in Southern Punjab and Lahore and Islamabad in Northern Punjab.

When it comes to the network I must say thumbs up for Jazz as I enjoyed a 4G signal almost everywhere, even road tripping in Balochistan and during long bus rides on the Motorway in the middle of the country I stayed connected almost all the time.

That said I was NOT AT ALL satisfied with the costumer service of Jazz, but I have put my pride aside and still recommend Jazz as the best prepaid sim card in Pakistan, although I feel they screwed me over!

In the franchise store in Karachi they made me buy a postpaid sim card for Pakistan. Lying right in my face when they told me prepaid was not possible for foreign tourists. I opted therefore for the GOLD 1,999 PKR postpaid package. At that time I thought it was cheap, as it is only $7 USD. Little did I back then know I was lured into a very expensive package.

The Jazz lady could have lied to everyone, but little did she know it was Traveltomtom, the blogger writing about sim cards in every country he travels too. I am still mad JAZZ PAKISTAN!

Anyway for you guys: DO NOT let them lure you into buying a Postpaid Jazz sim card, you can also buy a Prepaid Jazz sim card and as you have read that is MUCH CHEAPER!

Jazz postpaid is much more expensive and turned out to be a pain in the ass as well. There was a billing period in the middle of my trip and things got complicated. I bought a package with 35 GB data however only a % of that was given to me until the end of the billing period and when the new billing period started I got the full 35 GB.

Meaning, I ran out of data after 10 days on my trip and Jazz made me buy extra data! Very complicated as a tourist, especially when you are traveling this is not what you want!

It was then when I went to complain in Lahore that the friendly guy asked me why I did not choose PREPAID over POSTPAID. I was so furious when I heard the lady in Karachi had been lying to me, just to make a couple extra bucks!

Therefore again my recommendation: always buy a PREPAID SIM card for Pakistan. Since ZONG does NOT offer prepaid sim cards for Pakistan, I do NOT recommend them in the first place.

My overall user experience with Jazz was good. They have the best network coverage and affordable prices. Please Jazz stop lying to costumers, this is so NOT how I remember Pakistani hospitality!

In 2023 I spent a week in Karachi and for the sake of comparing I tried a Telenor prepaid sim card. Well. I can tell you that was NOT a good idea. I was very disappointed by the internet data speed and the overall signal/connection in the city. Often it said there was a 4G connection, but my phone said 'no internet connection'.

Next time I will definitely get a Jazz prepaid sim card again for my trip to Pakistan.

I hope all the above tips for buying a sim card in Pakistan were helpful. Please let me know if you have any more questions regarding how to stay connected when traveling to Pakistan or about traveling in Pakistan in general.

Want to be fuelled by wanderlust and get some Pakistan travel tips and ideas then check out my Instagram account @traveltomtom . You will find endless places to visit in Pakistan as I have more or less crossed the whole country by now.

As of June 2024 I have traveled to 159 countries on my journey to visit every country in the world , so still 38 to go to 197.

Leave me a comment below and I am more than happy to assist you. Also write me your own experiences below to help other people traveling to Pakistan finding the best prepaid or e-sim card for their trip to Pakistan.

MASTERCARD BENEFIT INQUIRIES

Within the U.S.: 1-800-Mastercard (1-800-627-8372) | Outside the U.S.: Mastercard Global Service Phone Numbers

Availability of insurance benefits on your card may vary by card issuer. Please refer to your issuing financial institution for complete insurance benefit coverage terms, conditions and exclusions.

*Card registration required. Certain exceptions apply. Click here for terms and conditions .

†Requirements may vary. See card packaging for details or contact card issuer.

What's The Best eSIM For Pakistan? We've Ranked the Top Providers in 2024

Jan Watermann

As a digital nomad, Jan is an expert in cross-border money transfers and internationalization. At Monito, he shares his knowledge by writing content geared primarily towards a German-speaking audience.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

Known for its spicey foods, bustling cities, and cultural sites like the Badshahi Mosque and the ancient Mohenjo Daro, Pakistan isn't popular with tourists without reason. If you're planning to visit the country soon, it should come as no surprise that you won't be able to call, SMS, or access the web on the go with your smartphone as you usually would at home, and if you do manage to get connected via roaming, it can result in hefty additional charges.

However, none of this means you should leave your smartphone at home. If your device is a newish model (i.e., from 2019 or later), there's a good chance it'll support an eSIM. These nifty digital SIM cards can be downloaded and installed before you travel, promising blazing-fast internet in Pakistan at a very low cost compared to roaming and great convenience compared to physical SIMs. In this guide, we explore everything you have to know about eSIMs in Pakistan and what the best deals might be for you.

Dodge sky-high roaming costs, unexpected data charges, or spotty service on your trip to Pakistan by using an eSIM from Airalo to connect directly to local network providers like Jazz.

✨ If you're a new customer, use code MONITO15 to get 15% off your first Airalo eSIM, and if you're a returning customer, use MONITO10 to get 10% off today! Go to Airalo now to get started.

As we'll explore in more depth in this guide, when choosing an eSIM, you have two options. The first option is for you to go through a digital eSIM provider, and the second option is to purchase an eSIM directly from your network provider or carrier. We strongly recommend the first option. After all, with reputable online providers, you can always be sure you'll get good support, excellent rates, and quality instructions that normally exceed those of the big carriers.

According to our review and comparison of the best options on the market, here are the three best eSIM providers for Pakistan and other countries worldwide:

What's The Best eSIM for Pakistan?

• 01. Airalo: Best eSIM for Pakistan in general scroll down
• 02. Holafly: Best eSIM for Pakistan for unlimited data scroll down
• 03. Yesim: A great alternative all around scroll down
• 04. Why using an eSIM is a great idea for Pakistan scroll down
• 05. What are the pros and cons of using an eSIM? scroll down
• 06. How to call from Pakistan scroll down
• 07. Recapping the best eSIMs for Pakistan scroll down
• 08. FAQ about the best eSIM for Pakistan scroll down

Best Overall: Airalo

Airalo  is an excellent eSIM provider for Pakistan . Its online platform offers global access to eSIMs through collaboration with big local telecom providers. In Pakistan, for example, Airalo works directly with Jazz to provide you with high-speed coverage directly from their networks, wherever you are in the country.

Once-off prices for eSIMs for Pakistan range from $4.50 to $32 and include between 1 GB and 20 GB of data. Ordinary travellers should be able to get by with these amounts without any problems. Setting up and activating your eSIM happens entirely on your smartphone, and it's very quick. In our test, we just took two minutes (watch our how-to video on YouTube to see how it's done). Moreover, you can easily top this up via the Airalo app if you start running low on data during your trip. This lets you save time and hassle compared to buying a physical SIM, where you'd usually need to stand in line at the counter to buy or top up your card or package.

We recommend Airalo in general, especially if you travel often. The service provides an excellent connectivity companion while you're abroad. To learn more about this excellent eSIM provider, look at our in-depth Airalo review .

Considering Airalo? Take advantage of the following special offers until the 31st of December 2024:

• New customer? Use the code   MONITO15   to claim a 15% discount on all Airalo eSIMs.  Ts & Cs  apply.
• Returning customer? Use the code  MONITO10  to claim a 10% discount on all Airalo eSIMs.

Go to Airalo now to get started! ✨

Best For Unlimited Data: Holafly

Holafly  is another trusted eSIM service which only provides packages with unlimited data to dozens of countries worldwide. Although these packages cost quite a bit more than the smaller Airalo packages, in return, they offer the certainty that you'll never use up all your data.

For trips to Pakistan, Holafly's data packages cost between $19 and $54 once off and are valid from five to 20 days. Like Airalo, Holafly also works with domestic carriers, so you'll get coverage like a local no matter where you travel in the country (although in remote regions, coverage can become spotty).

Although Holafly offers unlimited data in most countries, including Pakistan, if you're a globetrotter, it's worth keeping in mind that Holafly offers limited data plans to some other destinations. Be sure to check their website or app before traveling to a new country to confirm whether Holafly's unlimited packages apply.

Although Holafly's packages are generally great if you'd like uncapped access to the web, it's worth remembering that most travellers don't usually need such a large sum of data and that normally, 5 GB to 10 GB, at most, should be enough for everyday travel needs in Pakistan like navigating, browsing, and using social media. Moreover, your speeds might be temporarily throttled if you use a very extensive amount of data (e.g., for non-stop HD streaming or downloading large files). During our test in the UK, this happened to us at around 4.5 GB of usage. Sadly, Holafly's fair use policies don't clearly outline when networks throttle speeds since it comes down to the individual network or carrier and the country you're browsing in.

If you're curious, we tested Holafly extensively to see if its data plans really live up to their 'unlimited' promise. The short answer? Yes, but there are a few things you should know. Take a look at our Holafly review to find out what they are.

Considering Holafly? Use the code  MONITO  at checkout to claim a 5% discount on all Holafly eSIMs. Go to Holafly now to get started! ✨

Another Reliable Alternative: Yesim

A smaller and newer company than Airalo and Holafly, Yesim  is a Swiss-based eSIM provider offering highly-rated eSIMs for countries around the globe. Their website and app are simple, straightforward, and easy to use, and over 300,000 customers have chosen their eSIMs so far.

Like its larger competitors, Yesim gives you a SIM card connecting to local carriers while you're abroad. It can be installed quickly and effortlessly right from the app or via a QR code sent to your email after purchase. Interestingly, alongside its eSIM service, Yesim also offers a virtual number service that allows you to get an online-only US (+1), Canadian (+1), or Israeli (+972) mobile phone number to use for apps like WhatsApp, Telegram, Instagram, OpenAI, Binance, Tinder, or TikTok. These virtual numbers can be used for a flat fee of $2.75 per month.

Going back to eSIMs, Yesim's packages typically cost between $7 and $28 for 3 GB to 20 GB, but only the 10 GB and 20 GB data plans last longer than 30 days (some plans up to 60 days are possible to purchase). In our opinion, this makes Yesim's offers slightly less attractive than Airalo's for travel in general.

However, it's worth remembering that Yesim's prices are often fractionally lower per gigabyte, so if you're looking for the best deal, make sure you visit Yesim's website and compare their prices to Airalo's,

How Do They Compare?

In the chart below, we've compared Airalo, Holafly, and Yesim based on a few factors you might find important on your trip to Pakistan or anywhere else in the world. As you'll see, the three are very competitive, with differences normally being slight. If you'd like to compare Holafly and Airalo directly, take a look at our side-by-side review of the two too.

Correct as of 8 March, 2024

Do I Need a SIM Card in Pakistan?

No, you don't need a SIM card as a tourist in Pakistan, but having one will enable you to make phone calls and SMSes and not to rely solely on public or hotel WiFi to access the web.

A good place to start would be to review your contract from your mobile network provider before you travel to Pakistan. Most contracts are limited to use just within your home country (or within the European Union if you live in an EU country). For all other countries, so-called 'roaming charges' typically apply. However, there is one exception: specific contracts sometimes allow you to use your data worldwide. If you have a global internet contract, you can also use it in Pakistan without unexpected roaming charges.

Otherwise, although precise roaming charges differ according to your network provider, the fees for using mobile internet in Pakistan are typically around $2 or $3 per 6 MB (six megabytes) of data used, though they could be higher still. For example, if you wanted to download an average-sized app from the Google Play Store onto your Android smartphone, you'd use around 24 MB and pay $8 to $10 in roaming charges. It should, therefore, be clear that roaming with your regular SIM card in Pakistan is generally not worthwhile and can lead to enormous costs. As we'll see in a moment, it's significantly cheaper to purchase a local Pakistani SIM card once you arrive or, better yet, an eSIM before you travel.

💳 Planning to use your credit or debit card on your Pakistani trip? You'll probably pay much more than you think in hidden exchange rate fees every time you tap your card or withdraw cash. Get a free global account and debit card with Revolut to avoid these fees and save money. Check out our ranking of the best prepaid travel debit cards to find out more about how you can save.

What Are eSIMs, Anyway?

Simply put, eSIMs are regular SIM cards that don't require inserting an actual microchip into your device while providing the same benefits. Newer smartphones (but also smartwatches, tablets, and other devices) can be equipped with eSIMs, and since you don't need an actual SIM card to install an eSIM, you can also get one before your trip to Pakistan. To do this, all you have to do is visit an online eSIM service, purchase the eSIM you want, and follow the instructions to download and install it onto your device.

Like regular SIM cards, prepaid eSIMs come bundled with a certain fixed amount of data, SMSes, or telephone minutes, which you can use at your leisure while travelling. You get to choose the package you want, and you can generally also extend your eSIM's validity easily right from an app.

Pros of Using an eSIM

In general, eSIMs have numerous advantages and are often a better alternative to using a regular SIM card for most tourists. In our opinion, the most significant advantages include:

• internet immediately upon arrival in Pakistan,
• no negotiating with SIM card sellers at the airport,
• transparent and fair pricing,
• online extension is often possible,
• credit card payment is possible,
• local telecom provider networks are used.

In our opinion, there are only a few reasons against using an eSIM when travelling to Pakistan (which we'll discuss below), and in most instances, we're sure that it's a far better deal than using your normal SIM card from your home country on Pakistani networks.

Cons of Using an eSIM

As we've already seen, eSIMs have very few drawbacks and are an excellent option for accessing mobile internet on your Pakistani vacation.

However, one disadvantage is the slightly higher upfront cost than physical SIM cards. That said, eSIMs are still comparatively cheap, especially for use in Pakistan from abroad. In our opinion, the significantly higher level of comfort and the possibility of having access to the internet immediately upon arrival are worth the extra pennies. Another disadvantage is related to installation, where the process may be unfamiliar to you if you've never installed an eSIM before. However, if you follow the instructions carefully, you'll be fine.

Finally, there's the issue of compatibility: not all devices support eSIMs . If your device was released before late 2019, we recommend double-checking on the internet or contacting a representative from an eSIM service to confirm whether your device is compatible before you purchase an eSIM. In general, the following devices will support eSIMs though:

• iPhone 11 or later
• iPhone XS, iPhone XR, or iPhone SE
• iPad 7th generation or later ,
• Galaxy S20 or later
• Google Pixel 3 or later
• and many other devices (see our full list of compatible devices )

Can I Call From Pakistan With an eSIM?

Yes, you can call abroad from Pakistan with an eSIM , but once again, using your regular network provider and SIM card could result in surprisingly high calling charges at the end of the month (we've personally encountered as high as $4 per minute!). Fortunately, you can call abroad without the high costs, and there are three ways of doing this. We go through each below:

1. Voice-Over-IP (VoIP) With Data

In most cases, eSIM packages are loaded with mobile data, not with minutes or airtime. However, using your data, you can use web-based apps like WhatsApp, Google Meet, Skype, Telegram, Facebook Messenger, FaceTime and others to stay in touch with family and friends abroad while in Pakistan.

2. eSIMs With Airtime

Some eSIM services offer talk and text packages alongside normal data packages. These allow you to make direct phone calls or SMSes via local networks in Pakistan to your home country for only a slightly higher fee than regular data packages. Not all eSIM services offer this service though, but some, like Wraptel , do.

3. International Calling Apps

If you plan to make calls from Pakistan (or anywhere else abroad) fairly regularly, then your most reliable and affordable option will be to use a third-party app. In our opinion, Rebtel is by far the best service out there , offering low rates and providing you with local Pakistani phone numbers with which you can make calls abroad as though they were completely domestic.

Although it's popular, we typically don't recommend using Google Fi for this purpose unless you plan to go back and forth from the United States regularly (since Google Fi is only available to Americans and will not work if you spend over 90 days abroad per year). In general, Rebtel's rates are more affordable than Google Fi's too. To learn more about our first-hand experience with Google Fi, look at our in-depth review .

Recap: All About eSIMs in Pakistan

Are you planning a trip in Pakistan, and do you have a modern smartphone? Then, you should certainly at least consider getting an eSIM. In our opinion, they offer almost nothing but advantages and are generally far superior to using your regular SIM card.

To find the right provider for eSIMs in Pakistan, you should compare the available options. As we've seen, we recommend looking primarily at the network provider and the price. Depending on how long you want to stay in Pakistan, Airalo, Holafly or possibly Yesim are the best choices. To recap, here are what each can offer you:

• Airalo : Best eSIM for Pakistan overall.
• Holafly : Best eSIM for unlimited data.
• Yesim : Good alternative to Airalo.
• Wraptel : Best eSIM for airtime and SMSes.
• Rebtel : Best calling service for international calls.

FAQ About The Best eSIM For Pakistan

Yes, eSIMs are safe to use in Pakistan. That's because commercial eSIM technology adheres to international security and encryption standards to store and securely access your mobile network information.

Generally, yes, but it depends on your individual needs. While eSIMs offer the advantage of remotely purchasing a SIM before you travel, making them convenient for frequent travellers, physical SIMs might still be preferable for you if you have an older smartphone model, for example.

No, eSIMs generally aren't free, with the cost in Pakistan varying based on mobile service providers and their pricing plans. However, you can generally expect to pay upwards of %AIRALO_MIN_CHARGE% to purchase an eSIM with a minimal data package for Pakistan.

Yes, you can use an eSIM on a locked phone, provided your phone is compatible with eSIM technology.

Yes, an eSIM can generally be used for calling from Pakistan, especially when paired with voice-over-IP services that connect to the internet, like WhatsApp, FaceTime, and Google Messenger. If you'd like to call or SMS, consider finding an eSIM deal that includes airtime or minutes or use a service like Rebtel , which, for a tiny fee, provides you with a local number in place of your overseas contact's foreign number, making calling abroad significantly cheaper.

See These Other eSIM Guides

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6 Best Virtual Card Providers in Pakistan

Are you looking to shop online or make payments without worrying about currency exchange rates? Check out these top 5 virtual card providers in Pakistan! These providers offer prepaid cards that can be used for online transactions with no fees. So whether you’re looking to book a hotel, purchase airline tickets, or shop for your holiday gifts, any providers will help you get the best deal possible. Read on for more information about each provider, and find the one that’s right for you!

Due to increased online shopping and payments, virtual card providers have become popular in Pakistan. There are some virtual card providers in Pakistan, but we have compiled a list of the top 5 based on their services, features, and customer satisfaction. Keep reading to learn more about each provider and decide which is best for you!

You can check the Best Bank for Freelancers in Pakistan .

What is a virtual card?

A virtual card is a digital representation of a credit or debit card that can be used to make online purchases. Virtual cards are typically issued by banks or credit card issuers and linked to the user’s existing account. They can be used anywhere that accepts credit or debit cards but are not physical cards that can be used at brick-and-mortar stores.

Why you should use a virtual card

There are many different reasons you might want to use a virtual card. Maybe you’re worried about your credit card information being stolen. Perhaps you don’t want to deal with carrying around a physical card. Or maybe you like having another layer of security between your personal information and potential hackers. Whatever your reason, using a virtual card is a great way to protect yourself online.

The benefits of using a virtual card in Pakistan

There are a lot of great reasons to use a virtual card. Whether you’re travelling and don’t want to carry your regular credit or debit card or look for an extra layer of security for online purchases, a virtual card can be a great solution. Here are some of the top reasons to use one: 

• Virtual cards can help keep your personal information safe when shopping online. 
• They’re perfect for travel – you don’t have to worry about carrying your regular credit or debit card while on vacation. 
• Virtual cards can help you stay organized and track your spending. 
• You can create a virtual card for every purchase, which makes budget

The top 5 virtual card providers in Pakistan

Pakistan is a country that is quickly adapting to new technologies, and the virtual card industry is no exception. This blog post will discuss Pakistan’s top 5 virtual card providers. Keep reading to learn more about these providers and how they can benefit you!

SadaPay is a digital wallet and payment platform offering various financial services, including the SadaPay virtual card. The virtual card is a digital debit card that can be used for online purchases, subscriptions, and other digital transactions. It is linked to a user’s SadaPay wallet and can be funded using funds from the wallet or a connected bank account.

The virtual card can be created instantly within the SadaPay app, and users can use it immediately for online transactions. There is no need to visit a physical bank branch or wait for a physical card to be mailed.

The SadaPay app makes it easy to manage and control your card details, and you can instantly block your card if you suspect any fraudulent activity.

Card Issuance Fee: Free

Third currency transactions: Purchase in USD & PKR 1.5% of the transaction amount + 1% for filer and 2% for non-filer (WHT)

Acceptance: Worldwide

Card Type: Visa

More Info: Check Here

2. UBL virtual card

UBL virtual card is a prepaid card linked to your UBL account and can be used for online shopping, bill payments, and other transactions.

To get a UBL virtual card , you must have a UBL account and be registered for the UBL Internet Banking service. Once you have registered for the service, you can generate your UBL virtual card.

The UBL virtual card is valid for one year from the date of issuance and can be used anywhere that VISA is accepted. You can also use your UBL virtual card to purchase in stores with the MasterCard logo.

When purchasing online, you must enter the 16-digit card number, the expiry date, and the 3-digit security code (CVV) on the back of the card.

You can check your UBL virtual card balance and transaction history by logging into your UBL Internet Banking account.

Card Issuance Fee: PKR. 300/- + FED

Third currency transactions: Purchase in USD & PKR 4% of the transaction amount

Card Type: Master

3. Payoneer virtual card

The Payoneer virtual card is a prepaid MasterCard that can be used like any other debit or credit card. You can use it to make online purchases, withdraw cash at ATMs, or shop in stores anywhere MasterCard is accepted. You must sign up for a Payoneer account and order your virtual card to get started.

Once you have your card, you can add money using your Payoneer balance, a bank transfer, or receive payments from an employer or online marketplace. There are many benefits of using a Payoneer virtual card, including shopping online without revealing your personal credit card information, getting access to your funds instantly, and having a backup card in case your physical card is lost or stolen. Plus, there are no monthly fees or hidden charges. A Payoneer virtual card is an excellent option if you’re looking for a convenient and safe way to shop online.

How to get a Payoneer Virtual Card from Pakistan?

• Assuming you already have a Payoneer account, here’s how to order your Payoneer virtual credit card:
• 1. Log in to your Payoneer account and go to the “Cards” section.
• 2. Click on the “Order New Card” button.
• 3. Select the “Virtual US Payment Service” option.
• 4. Enter the requested information and click the “Submit” button.
• 5. You will be redirected to a page where you can enter your billing information. Enter the requested information and click on the “Submit” button.
• 6. Once your card is ordered, you will receive an email confirmation.
• That’s it! You will now have a Payoneer virtual credit card to make online purchases.

Card Issuance Fee: $29.95 Annually

Third currency transactions: UP TO 1.2% OF TRANSACTION AMOUNT

More Details: Click Here

Get Your Payoneer Account

4. Alfa virtual debit card

Bank Alfa virtual debit card is a new way to use your money. You can use it to shop online, in stores, and anywhere Mastercard is accepted. Plus, you can get cash back with every purchase.

With the Bank Alfa virtual debit card, you can:

– Shop online, in stores, and anywhere Mastercard is accepted

– Get cash back with every purchase

– Manage your money with the Bank Alfa mobile app

To get started, sign up for a Bank Alfa account and request a virtual debit card. Once you have your card, you can use it anywhere Mastercard is accepted. Plus, you can get cash back with every purchase. To learn more, visit our website or give us a call today.

Card Issuance Fee: 200PKR +FED

Third currency transactions: Up to 5% over the prevailing market rate or as per SBP directives

5. Faysal bank virtual card

Faysal bank virtual card is a new and convenient way to shop online. It is a safe and secure alternative to using your credit or debit card. With a Faysal bank virtual card, you can shop at any online store without providing your personal or financial information.

The transaction is processed through our secure server when you purchase with your Faysal bank virtual card. Your personal and financial information is never shared with the merchant or any third party.

How to Generate Your Virtual Card

• Login to your Faysal Digibank Internet Banking at https://digi.faysalbank.com/ or Mobile App.
• Click on the Virtual Card to choose your desired limit
• Generate and validate OTP to create a Virtual Card
• Sit back, relax and shop online

Card Issuance Fee: PKR. 120 – 550

6. NayaPay virtual card

NayaPay virtual card is a reloadable prepaid card that can be used for online shopping, paying bills, and making other payments. It is convenient and easy to use, and most online merchants accept it. You can also use NayaPay virtual card to withdraw cash from ATMs.

NayaPay virtual card is an excellent alternative to traditional credit cards. It is ideal for those who do not have a credit card or want to avoid the high-interest rates associated with credit cards.

You can get a NayaPay virtual card by signing up for an account with NayaPay. Once you have an account, you can add funds to your card and use it anywhere that accepts Visa or MasterCard. You can also withdraw cash from ATMs with your NayaPay virtual card.

Card Issuance Fee: Free for 1st time ( Then 600PKR )

Third currency transactions: 3% OF TRANSACTION AMOUNT

Card Type: VISA

Virtual cards are becoming more popular every day. You’re missing out on many benefits if you’re not using them. They’re convenient and secure and can help keep your finances organized. Not to mention, they make online shopping a breeze. Which provider will come out on top? Only time will tell.

Niaz is a web and graphic designer with extensive SEO experience and a writer. He enjoys writing about technology, design, travel, and educational topics. In his spare time, Niaz is a paragliding pilot.

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6 Ways to Get a Prepaid Bank Card in Pakistan (2023)

• January 29, 2023

MCB Lite prepaid card and Faysal Digibank virtual cards are Pakistan’s two most popular prepaid cards. Payoneer allows users in Pakistan to order a prepaid debit card in any of the available currencies.

Digital banking in Pakistan is slowly paving its way among the masses. With a penetration rate of 24.34% in 2018, there is high potential for growth in the country’s banking sector.

Debit cards are Pakistan’s most popular bank cards, followed by ATM cards. Credit cards are less popular in the country mainly due to their involvement with interest. Another type of bank card offered by some banks in the country is the prepaid card.

This article discusses the purpose of prepaid cards and lists the six available options in Pakistan.

What Are Prepaid Cards?

Prepaid cards are debit cards that have been pre-loaded with cash. Users can only use the available credit in their cards, making them a great choice for limited spending.

Though prepaid cards are a type of debit card, they are not the same. Unlike debit cards, prepaid cards do not have direct access to your bank account. Instead, users load their prepaid cards with a certain amount they want. Without pre-loading, your prepaid card is useless.

Prepaid cards usually expire one year in contrast to debit cards which are good for five years. In prepaid cards, the loaded amount serves as a spending limit which stops users from overspending their money.

Best Prepaid Bank Cards in Pakistan

Only a few banks, such as Faysal Bank and MCB, offer prepaid cards in Pakistan. Dubai Islamic Bank Pakistan also allows users to order their Prepay debit cards.

Prepaid cards are less popular in Pakistan compared to debit or credit cards. A limited number of banks offer these cards.

The available options for prepaid debit cards in Pakistan are listed below.

1. UBL Wiz Card

UBL was the first bank in the country to offer prepaid cards to its users. The UBL Wiz prepaid debit card is designed for security and convenience. Powered by Visa or Mastercard, the prepaid card can be used locally and internationally.

UBL account users can apply for a UBL Wiz via their digital banking app. To order your card, follow these steps.

Open your UBL app and log in. Click on the Accounts tab at the bottom left on the main page.

Now, click on Card Management to open the debit and credit card management tab.

Click on the Request Card option on the top-right of the page.

Now, click on the Virtual Wiz option to order your prepaid card.

If you possess a UBL Wiz card, select yes and enter the card number. If ordering for the first time, select no and click Next.

Enter the required amount you want to load into your prepaid card. Bear in mind that the card charges and Federal Excise Duty will be deducted from your deposit. Click on Proceed to Pay.

Check the details and click on Confirm to order your virtual Wiz card.

You can use your UBL prepaid card for ATM withdrawals, online payments, and POS purchases.

Even though it was the first prepaid card in the country, the UBL Wiz card has failed to impact Pakistan’s banking sector significantly.

2. MCB Lite

MCB Lite is one of the most popular prepaid cards in Pakistan. The prepaid card was launched in 2014 and is accessible via the MCB Lite mobile app. Users can apply for an MCB Lite mobile wallet via their app or by visiting the Lite-enabled branches of MCB bank.

The mobile wallet allows users to order the MCB Lite prepaid card, which can be used for online payments and ATM withdrawals. Users must not be MCB bank account holders to register with the app.

Users have reported few bugs in their app, making it a better choice to register it face to face at their branches. There are no additional charges except an annual fee and duties. You can find the Lite-enabled branches here .

MCB Lite is an excellent prepaid card for internet banking . Users can load as much as they want to spend on their card and use it wherever required.

The prepaid card is powered by Visa, making international payments easier.

The initial maximum limit of the card is PKR 200,000 annually, which can be increased by visiting the MCB Lit branches.

3. Faysal Digibank Virtual Card

Faysal bank is one of the largest Islamic banks in the country. Powered by Mastercard, the Faysal Digibank Virtual card is a prepaid card offered to Faysal Bank account holders.

The card allows users to make online payments, shop on ecommerce sites, make purchases on Playstore and App Store, and pay bills.

Faysal Digibank Virtual card can also be used for ATM withdrawals and POS payments wherever Mastercard is accepted.

To create your virtual prepaid card, log on to your Faysal Digibank account via internet banking or mobile app. Click on the virtual card option and enter your desired transaction limits. Once you have created your card, you can use it like any debit card with just a touch of your finger.

Currently, there are two types of virtual prepaid cards offered by Faysal Bank – one-time cards and reloadable cards.

One-time cards are prepaid cards with a fixed limit that cannot be changed. These cards cannot be reloaded and expire after a single use.

Reloadable cards are prepaid cards that can be reloaded and used multiple times within a six-month expiration period.

Users can make 10 transactions per day and a maximum of 100 transactions per month with reloadable prepaid cards.

4. Allied EZCash Prepaid Card

In 2017, Allied Bank launched the Allied EZCash prepai d card to provide a debit card to unbanked individuals in the country. The prepaid card is co-powered by UnionPay International and PayPak , making it great for local and international payments.

Users do not have to be Allied Bank account holders to get the EZCash prepaid card; these cards can be obtained by visiting any Allied Bank branch.

Users can top-up their prepaid cards by visiting any branch or using the transfer of funds facility (Allied Bank users only). Users must have a valid CNIC and phone number to order this card.

The maximum limit of the prepaid card is PKR 500,000 for biometrically verified customers and PKR 100,000 for NADRA Verisys verified customers.

5. DIB Prepay Debit Card

Dubai Islamic Bank is Pakistan’s only international bank to offer prepaid cards. The DIB Prepay debit card is an Islamic prepaid card available only to DIB bank account holders. The prepaid card is powered by Visa and can be used for international and local payments.

Users can order the DIB Prepay cards via the DIB mobile app or internet banking. The card can be reloaded by IBFT and has a one-year expiration date. Each customer can order a maximum of 10 Prepay cards per account.

Users will not be able to use the DIB Prepay cards at non-Shariah-compliant stores and retailers such as Casinos.

6. Payoneer Prepaid Debit Card

Payoneer is one of the most famous international virtual banks in the world. The digital bank allows users in Pakistan to open accounts in various currencies, which can be used to receive, send, and transfer money globally.

Payoneer account holders can order prepaid cards in any available currency. To order it, log on to your Payoneer account and click on the Banks & cards tab.

Select Payoneer Cards from the options.

Click on Order Now, and you will be directed to the card-ordering page.

Users can choose either a virtual prepaid card or a physical one. Here, I am selecting the virtual card. Click on Next.

You can choose any of the available currencies in your account. I have selected USD. Click on Order Now.

You will get your Payoneer virtual prepaid card which you can manage from your Payoneer account.

Prepaid cards are not well-known, mainly due to the popularity of debit cards. Several banks and digital wallets are now allowing users to put spending limits on debit cards online, making prepaid cards almost redundant.

However, one of the best things about prepaid cards is that users do not have to be bank account users to get these cards. Prepaid cards aid in online transactions, merchant payments, and ATM withdrawals.

Some cards charge significant loading and withdrawal fees. Payoneer is currently the only international digital bank offering prepaid cards to Pakistanis. Though banking is growing rapidly in Pakistan, prepaid cards are slowly fading away.

You may find useful these articles about digital banking in Pakistan:

• 6 Types of Bank Cards in Pakistan 2023 (Established and New)
• 4 Online Ways to Get Virtual Bank Cards in Pakistan (2023)
• 12 Most Popular Payment Methods in Pakistan (2023)
• JazzCash or Easypaisa? (The Two Largest MFBs in Pakistan)
• Does Easypaisa Work Internationally? (All The Answers 2023)
• 2 Ways to Send Money from Easypaisa to JazzCash (Guide ’22)

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He is an avid reader and loves exploring the world. Whenever he is not writing or creating dashboards, he is trying out something stupid in the kitchen.

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2 Best Travel Cards for Pakistan

Getting an international travel card before you travel to Pakistan can make it cheaper and more convenient when you spend in Pakistani Rupee. You'll be able to easily top up your card in AUD before you leave Australia, to convert seamlessly to PKR for secure and flexible spending and withdrawals.

This guide walks through our picks the best travel cards available for anyone from Australia heading to Pakistan, like Wise or Revolut. We'll walk through a head to head comparison, and a detailed look at their features, benefits and drawbacks.

2 best travel money cards for Pakistan:

Let's kick off our roundup of the best travel cards for Pakistan with a head to head comparison on important features. Here's an overview of the providers we've picked to look at, for customers looking for ways to spend conveniently overseas when travelling from Australia:

Each of the international travel cards we’ve picked out have their own features and fees, which may mean they suit different customer needs. Keep reading to learn more about the features, advantages and disadvantages of each - plus a look at how to order the travel card of your choice before you head off to Pakistan.

Wise travel card

Open a Wise account online or in the Wise app, to order a Wise travel card you can use for convenient spending and withdrawals in Pakistan. Wise accounts can hold 40+ currencies, so you can top up in AUD easily from your bank or using your card. Whenever you travel, to Pakistan or beyond, you’ll have the option to convert to the currency you need in advance if it’s supported for holding a balance, or simply let the card do the conversion at the point of payment.

In either case you’ll get the mid-market exchange rate with low, transparent fees whenever you spend in PKR, plus some free ATM withdrawals every month - perfect if you’re looking for easy ways to arrange your travel cash.

Wise features

Wise travel card pros and cons.

• Hold and exchange 40+ currencies with the mid-market rate
• Spend seamlessly in PKR when you travel
• Some free ATM withdrawals every month, for those times only cash will do
• Ways to receive payments to your Wise account conveniently
• Manage your account and card from your phone
• 10 AUD delivery fee for your first card
• ATM fees apply once you've exhausted your monthly free withdrawals
• Physical cards may take 7 - 14 days to arrive (you can use your virtual card right away)

How to apply for a Wise card

Here’s how to apply for a Wise account and order a Wise  travel card in Australia:

• Open the Wise app or desktop site
• Select Register and confirm you want to open a personal account
• Register with your email, Facebook, Apple or Google ID

Upload your ID document to complete the verification step

• Tap the Cards tab to order your card
• Pay the one time 10 AUD fee, confirm your mailing address, and your card will be on the way, and should arrive in 7 - 14 days

Revolut travel card

Choose a Revolut account, from the Standard plan which has no monthly fee, to higher tier options which have monthly charges but unlock extra features and benefits. All accounts come with a smart Revolut card you can use in Pakistan, with some no fee ATM withdrawals and currency conversion monthly, depending on the plan you pick. Use your Revolut account to hold and exchange around 30 currencies, and get extras like account options for under 18s, budgeting tools and more.

Revolut features

Revolut travel card pros and cons.

• Pick the Revolut account plan that suits your spending needs
• Hold and exchange 30+ currencies, and spend in 150 countries
• Accounts come with different card types, depending on which you select
• All accounts have some no fee currency exchange and some no fee ATM withdrawals monthly
• Some account tiers have travel perks like complimentary or discounted lounge access
• You need to upgrade to an account with a monthly fee to get all account features
• Delivery fees may apply for your travel card
• Fair usage limits apply once you exhaust your currency conversion and ATM no fee allowances
• Out of hours currency conversion has additional fees

How to apply for a Revolut card

Set up your Revolut account before you leave Australia and order your travel card. Here’s how:

Download and open the Revolut app

Register by adding your personal and contact information

Follow the prompts to confirm your address and order your card

Pay any required delivery fee - costs depend on your account type

What is a travel money card?

A travel money card is a card you can use for secure and convenient payments and withdrawals overseas.

You can use a travel money card to tap and pay in stores and restaurants, with a wallet like Apple Pay, or to make ATM withdrawals so you'll always have a bit of cash in your pocket when you travel.

Although there are lots of different travel money cards on the market, all of which are unique, one similarity you'll spot is that the features and fees have always been optimised for international use. That might mean you get a better exchange rate compared to using your normal card overseas, or that you run into fewer fees for common international transactions like ATM withdrawals.

Travel money cards also offer distinct benefits when it comes to security. Your travel money card isn't linked to your Australian Dollar everyday account, so even if you were unlucky and had your card stolen, your primary bank account remains secure.

Travel money vs prepaid card vs travel credit card

It's helpful to know that you'll be able to pick from several different types of travel cards, depending on your priorities and preferences. Travel cards commonly include:

• Travel debit cards
• Travel prepaid cards
• Travel credit cards

They all have distinct benefits when you head off to Pakistan or elsewhere in the world, but they do work a bit differently.

Travel debit and prepaid cards are usually linked to an online account, and may come from specialist digital providers - like the Wise card. These cards are usually flexible and cheap to use. You'll be able to manage your account and card through an app, although you can also often add money in person by visiting a branch - we've picked out the Westpac travel card and the Travelex travel card as popular prepaid cards with a branch network in Australia, for example.

Travel credit cards are different and may suit different customer needs. As with any other credit card, you may need to pay an annual fee or interest and penalties depending on how you manage your account - but you could also earn extra rewards when spending in a foreign currency, or travel benefits like free insurance for example. Generally using a travel credit card can be more expensive compared to a debit or prepaid card - but it does let you spread out the costs of your travel across several months if you'd like to and don't mind paying interest to do so.

What is a prepaid travel money card best for?

Let's take a look at the advantages of using a prepaid travel money card for travellers going to Pakistan. While each travel card is a little different, you'll usually find some or all of the following benefits:

• Hold and exchange foreign currencies - allowing you to lock in exchange rates and set a travel budget before you leave
• Convenient for spending in person and through mobile wallets like Apple Pay, as well as for cash withdrawals
• You may find you get a better exchange rate compared to your bank - and you'll usually be able to avoid any foreign transaction fee, too
• Travel cards are secure as they're not linked to your everyday AUD account - and because you can make ATM withdrawals when you need to, you can also avoid carrying too much cash at once

Overall, travel cards offer flexible and low cost ways to avoid bank foreign transaction and international ATM fees, while accessing decent exchange rates.

How to choose the best travel card for Pakistan

We've picked out 2 great travel cards available in Australia - but there are also more options available, which can make choosing a daunting task. Some things to consider when picking a travel card for Pakistan include:

• What exchange rates does the card use? Choosing one with the mid-market rate or as close as possible to it is usually a smart plan
• What fees are unavoidable? For example, ATM charges or top up fees for your preferred top up methods
• Does the card support a good range of currencies? Getting a card which allows you to hold and spend in PKR can give you the most flexibility, but it's also a good idea to pick a card with lots of currency options, so you can use it again in future, too
• Are there any other charges? Check in particular for foreign transaction fees, local ATM withdrawal fees, inactivity fees and account close fees

Ultimately the right card for you will depend on your specific needs and preferences. If you're looking for a low cost card with the mid-market rate, which you can use in 150+ countries, the Wise card may be a good fit. If you'd prefer to pay a monthly fee to get higher no-fee transaction limits, take a look at Wise. And if you need to get a card in a hurry, check out a travel card from a provider with a physical branch network, like the Westpac card or the Travelex travel money card.

What makes a good travel card for Pakistan

The best travel debit card for Pakistan really depends on your personal preferences and how you like to manage your money.

Overall, it pays to look for a card which lets you minimise fees and access favourable exchange rates - ideally the mid-market rate. While currency exchange rates do change all the time, the mid-market rate is a good benchmark to use as it's the one available to banks when trading on wholesale markets. Getting this rate, with transparent conversion fees, makes it easier to compare costs and see exactly what you're paying when you spend in PKR.

Other features and benefits to look out for include low ATM withdrawal fees, complimentary travel insurance, airport lounge access or emergency cash if your card is stolen. It's also important to look into the security features of any travel card you might pick for Pakistan. Look for a card which uses 2 factor authentication when accessing the account app, which allows you to set instant transaction notifications, and which has easy ways to freeze, unfreeze and cancel your card with your phone.

For Pakistan in particular, choosing a card which offers contactless payments and which is compatible with mobile wallets like Apple Pay could be a good plan. Card payments are extremely popular in Pakistan - so having a card which lets you tap and pay easily can speed things up and make it more convenient during your trip.

Ways to pay in Pakistan

Cash and card payments - including contactless, mobile wallet, debit, credit and prepaid card payments - are the most popular ways to pay globally.

In Pakistan, both card payments and cash payments are common. You'll be able to make Chip and PIN or contactless payments or use your favourite mobile wallet like Apple Pay to tap and pay on the go, but it's still worth having a little cash on you just in case - and for the odd situations where cash is more convenient, such as when tipping or buying a small item in a market.

Which countries use PKR?

You'll find that PKR can only be used in Pakistan. If you don't travel to Pakistan frequently it's worth thinking carefully about how much to exchange so you're not left with extra foreign currency after your trip.

What should you be aware of when travelling to Pakistan

You're sure to have a great time in Pakistan - but whenever you're travelling abroad it's worth putting in a little advance thought to make sure everything is organised and your trip goes smoothly. Here are a few things to think about:

1. Double check the latest entry requirements and visas - rules can change abruptly, so even if you're been to Pakistan before it's worth looking up the most recent entry requirements so you don't have any hassle on the border

2. Plan your currency exchange and payment methods - you can change AUD to PKR before you travel to Pakistan if you'd like to, but as card payments are common, and ATMs widely available, you can actually leave it until you arrive to get everything sorted as long as you have a travel money card. Top up your travel money card in AUD and either exchange to PKR in advance or at the point of payment, and make ATM withdrawals whenever you need cash. Bear in mind that currency exchange at the airport will be expensive - so hold on until you reach Pakistan to make an ATM withdrawal in PKR if you can.

3. Get clued up on any health or safety concerns - get travel insurance before you leave Australia so you have peace of mind. It's also worth reading up on any common scams or issues experienced by tourists. These tend to change over time, but may include things like rip off taxis or tour agents which don't offer fair prices or adequate services.

Conclusion - Best travel cards for Pakistan

Ultimately the best travel card for your trip to Pakistan will depend on how you like to manage your money. Use this guide to get some insights into the most popular options out there, and to decide which may suit your specific needs.

FAQ - best travel cards for Pakistan

When you use a travel money card you may find there’s an ATM withdrawal fee from your card issuer, and there may also be a cost applied by the ATM operator. Some of our travel cards - like the Wise and Revolut card options - have some no fee ATM withdrawals every month, which can help keep down costs.

Travel money cards may be debit, prepaid or credit cards. Which is best for you will depend on your personal preferences. Debit and prepaid cards are usually pretty cheap and secure to spend with, while credit cards may have higher fees but often come with extra perks like free travel insurance and extra reward points.

There’s no single best prepaid card for international use. Look out for one which supports a large range of currencies, with good exchange rates and low fees. This guide can help you compare some popular options, including Wise, Revolut and Westpac.

Yes, you can use your local debit card when you’re overseas. However, it’s common to find extra fees apply when spending in foreign currencies with a regular debit card. These can include foreign transaction fees and international ATM charges.

Usually having a selection of ways to pay - including a travel card, your credit or debit card, and some cash - is the best bet. That means that no matter what happens, you have an alternative payment method you can use conveniently.

Yes. Most travel debit cards have options to make ATM withdrawals. Check the fees that apply as card charges do vary a lot. Some cards have local and international fees on all withdrawals, while others like Wise and Revolut, let you make some no fee withdrawals monthly before a fee kicks in.

Both Visa and Mastercard are globally accepted. Look out for the logo on ATMs and payment terminals in Pakistan.

The cards you see on this page are ordered as follows:

For card providers that publish their exchange rates on their website, we used their AUD / PKR rate to calculate how much Pakistani Rupee you would receive when exchanging / spending $6,000 AUD. The card provider offering the most PKR is displayed at the top, the next highest below that, and so on.

The rates were collected at 15:54:21 GMT on 19 February 2024.

Below this we display card providers for which we could not verify their exchange rates. These are displayed in alphabetical order.

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The Best Prepaid and Debit Cards of 2024

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If you need to limit spending or use an alternative to bank accounts, the best prepaid cards available can help you with your goals. You can load and reload prepaid cards with funds and then use them like a debit card, avoiding checking accounts and some bank-imposed fees in the process.

At Bankrate, our staff has reviewed and rated hundreds of today's top credit cards, with independence and transparency, so you'll have an easier time making an informed decision. When reviewing the best prepaid cards of 2024, we considered accessibility, affordability and extra benefits, among other factors, to help you decide which prepaid card is best for you.

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Best prepaid and debit cards of 2024:

• Netspend® Visa® Prepaid Card
• Self Lender — Credit Builder Account

What is a prepaid card?

Tips on choosing the best prepaid card for you, expert advice on prepaid cards, how we assess the best prepaid cards.

• Frequently asked questions

Best for no activation fee

Netspend® Visa® Prepaid Card

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Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Regular APR

What we love : If you want the convenience of a debit card without opening a traditional bank account, the Netspend Visa Prepaid Card may be worth a look. You can have your paycheck, tax refund or government benefits deposited directly to your Netspend Visa and can use the card anywhere Visa cards are accepted. Alternatives : If you’re a fan of this card’s savings account option, Brink’s Armored™ Account offers a similar benefit and the ability to earn some ongoing cash back rewards.

• There are no application fees and no minimum balance required for this card, so you can start an account with relatively little hassle.
• When you start your card account, you’ll get access to a high-yield savings account that offers 5 percent APY on the first $1,000 you save.
• The card's monthly fee is $9.95 (it lowers to $5 if you receive at least $500 in payroll checks in any one month).
• While it may not have an application fee, this card is associated with several other fees — an ATM withdrawal fee, an inactivity fee and a cash reload fee, just to name a few.
• With Direct Deposit, you can get paid faster than a paper check.
• No late fees or interest charges because this is not a credit card.
• Use the Netspend Mobile App to manage your Card Account on the go and enroll to get text messages or email alerts (Message & data rates may apply).
• Card use is subject to activation and ID verification. Terms and Costs apply.
• Card issued by Pathward N.A., Member FDIC. Card may be used everywhere Visa debit card is accepted.
• See additional NetSpend® Prepaid Visa® details.

Best for no credit check

What we love : This prepaid card could be a good fit for someone who wants a convenient way to spend without having to worry about a credit check. The Netspend Visa Prepaid card also comes with select cash back and personalized offers that can help you save on purchases. Alternatives: Since this prepaid card does not offer overdraft protection, you might consider the Walmart MoneyCenter debit card , which has an overdraft feature (fees may apply). 

• There's no credit check required when opening the card, so your credit score won't be impacted.
• The card does offer some cash back rewards which are personalized based on your spending.
• This card doesn't report to any of the three credit bureaus, so it won't help improve your credit score.
• Like most prepaid cards, this card offers no overdraft protection.

Best for building credit

Self - Credit Builder Account with Secured Visa® Credit Card

What we love : The Self - Credit Builder Secured Visa® serves both as a traditional credit card and a savings account — payments made into this account are reported to the three major credit bureaus, helping you build savings and establish a positive credit history at the same time. The credit limit on this card is also equal to the amount you have saved in your Credit Builder Account. Learn more : Is the Self – Credit Builder Account with Secured Visa Credit Card worth it? Alternative : If you’re seeking access to a physical card immediately, the Netspend® Visa® Prepaid Card is a solid choice that offers potential rewards, albeit one that carries a series of fees.

• This card reports to all three credit bureaus, helping you to achieve any credit-building goals.
• Since no hard credit inquiry is required for application, your credit score won't be impacted.
• If you're looking for a card to use immediately, this isn’t a fit as it takes three months of on-time loan payments totaling at least $100 before you’re eligible for the secured card.
• You’ll pay an annual fee for this card, which is unusual for a secured card.
• Start with a Credit Builder Account* that reports to all 3 credit bureaus. Each on-time monthly payment builds credit history and savings. Choose the plan that works for you.
• Make at least 3 monthly payments on time, have $100 or more in savings progress in your Credit Builder Account, and be in good standing.** Then, you’ll be eligible for the Self Visa® Credit Card, without a hard credit check.
• Your savings progress from your Credit Builder Account acts as your security deposit for your secured Credit Card.
• Get the savings plan that helps build credit today.
• No credit score is needed to get started.
• Your money is secured and protected in a bank account.
• *Credit Builder Account Sample Product: $48 monthly payment, 24 month term with a $9 admin fee at a 15.72% Annual Percentage Rate. Please refer to https://www.self.inc/pricing for the most recent pricing options.
• **Secured Credit Card Disclaimers, Rates and Fees: https://www.self.inc/card-agreement
• Self Visa® Credit Card issued by Lead Bank or SouthState Bank, N.A., each Member FDIC. See self.inc for details.
• Active Credit Builder Account in good standing, 3 on time payments, $100 or more in saving progress. Requirements subject to change.

Compare Bankrate's top prepaid cards

On This Page

Prepaid debit cards are similar to debit cards, except prepaid cards aren’t connected to banking or checking accounts. Instead, funds are loaded onto the card — either online, in person at specific locations, by depositing checks or reloading with cash — then reloaded when those funds run out.

Think of them as a cross between gift cards and debit cards — they have a card number, CVV code and expiration date like debit and credit cards. They also don't usually impact your credit score, as prepaid card issuers typically don’t check your credit when you apply, and they won’t check your banking history (though this isn’t always the case).

However, you should keep in mind that most prepaid cards have fees associated with them, such as:

• Reload fees
• Monthly fees
• ATM withdrawal fees
• Inactivity fees
• Transaction fees

Pros and cons of prepaid cards

While one of the benefits of a prepaid card is its accessibility, make sure to read the fine print before you apply. Some cards have activation fees and monthly maintenance charges, which can eat into your spending.

No credit check needed: People with low or no credit can practice responsible credit habits without taking a hit to their credit scores.

Budgeting tool: Because you’re limited to spending your deposit amount, prepaid cards make it easier to stay within your budget and cut back on monthly spending.

More fees than debit cards: Debit cards typically charge overdraft, monthly and sometimes ATM fees. Unfortunately, prepaid cards charge those fees on top of transaction fees, reload fees, inactivity fees and more.

Can’t build credit: Prepaid card issuers don’t report to credit bureaus, meaning users won’t improve their credit scores over time with this card type. Secured credit cards are a better option for people with no credit or low credit to increase their scores.

Prepaid cards are an excellent option for anyone with difficulty accessing traditional banking services, but features vary among cards. Here are some things you should keep in mind while shopping for a prepaid card.

• Take a look at the fees. One of the reasons many people have a difficult time accessing traditional banking services is because of the costs. If your prepaid card charges a litany of fees, such as ATM fees, monthly service fees or reload fees, you should consider if the card is worth it.
• Know your loading options . How difficult or easy will it be to reload your prepaid card? Are fees attached? Some prepaid cards will allow you to reload your card with ACH transfers, but you’ll often reload manually at an ATM. It’s important that you have access to several ATMs in your area.
• Make sure the card offers mobile access. Mobile banking is becoming increasingly popular, and for good reason. It’s convenient, safe and can give you peace of mind. The best prepaid cards will offer you the option to use the cards online and have access to a mobile app.
• Consider if you’re banked or underbanked .   While prepaid cards function similarly, there are significant  differences between prepaid cards and debit cards , specifically where funds are stored, which can be a significant factor for those who are unbanked or underbanked. Prepaid cards provide several benefits to people who don’t have access to traditional bank accounts (unbanked people) or whose access to banking services is inconvenient or too expensive ( underbanked people). If you’ve struggled to gain access to traditional banking services because of upfront costs (such as deposit minimums or initiation fees), a prepaid card might be the answer.

You can use Bankrate's Compare Credit Cards tool to help shop for the best prepaid card with as few fees as possible.

Rates of unbanked people are particularly high for those in low-income households. While the U.S. average for being unbanked is around 4.5 percent , those who have an income of under $25,000 and are underbanked are 17 percent . The main reasons cited are lack of proper funds and lack of trust . Prepaid cards can be a great alternative for people facing these hurdles.

To make the most of your prepaid card and ensure a seamless financial experience, follow these expert tips.

How to choose a prepaid card

Decide on a payment network.

Payment networks like PayPal, Visa, Mastercard and Netspend all have prepaid debit cards available. Some networks are accepted at more merchants than others so make sure to pick one that’s accepted at stores you regularly shop at.

Check fees and limitations

Prepaid cards come with a multitude of fees. If you don’t factor these into your spending, you might have less than you originally thought.

Review spending habits

Prepaid cards only have what you load onto them, so make sure to load a proper amount to avoid the reload fee that could possibly be attached to the card.

Pick up & load the card

You can receive your prepaid card from many places, both in-person and online, and may even be able to get it the same day. Once you activate and load your card, you should be able to start using it immediately.

How to maximize a prepaid card

When it comes to managing your spending and avoiding debt, a prepaid card can be valuable. With the right features and responsible usage, you can maximize the benefits of a prepaid card while staying in control of your finances.

Prepaid debit cards let you use plastic when shopping online or in stores without a traditional checking account . It’s great for scenarios like a parent or guardian giving a teenager a card to make purchases with a monthly budget or if you need to cut back on spending and want to set hard limits. Understand what you’re using a prepaid card for and how it can ultimately help you reach your financial goals.

Research and compare cards

Each prepaid card may come with its own set of features, fees and limitations. You can find a card that aligns with your specific needs by conducting thorough research. Look for cards with low or no activation fees, reasonable transaction fees and useful benefits tailored to your requirements.

Set a budget

One of the key advantages of using a prepaid card is that it allows you to set a budget and stick to it. By loading only the amount you plan to spend onto the card, you can avoid overspending and accumulating debt, so it's essential to do so with a strategic approach. 

Strategize your reloads

Consider your spending patterns and avoid reloading large sums unnecessarily, as it might tie up your funds or expose you to additional fees. Plan your reloads effectively. Strike a balance between having enough funds and not maintaining an excessive balance on the card.

Be aware of drawbacks

Prepaid cards may not offer the same consumer protections as credit or debit cards in case of fraud or unauthorized transactions. It's crucial to review the terms and conditions the card issuer provides regarding liability protection and dispute resolution processes. As a precaution, make sure to set some money aside for an emergency or rainy day fund .

Have more questions for our credit cards editors? Feel free to send us an  email , find us on  Facebook , or Tweet us  @Bankrate .

When evaluating the best prepaid cards, we take into account several factors, including how cards score in our proprietary card rating system and whether they offer features that fit the priorities of a diverse group of cardholders, from low fees to wide acceptance to earning rewards. 

We analyzed the most popular prepaid card options and scored each card based on its fee structure, rewards rate and earnings, perks and more to determine whether it belonged in this month’s roundup. 

Here are some of the key factors that we considered: 

Reasonable fees

To start, all cards on this list charge either a variable monthly fee, fixed monthly fee or a one-time account fee. As many prepaid cards have monthly fees, we identified those with limited additional costs and hidden fees.

More important to these cards’ scores and their inclusion in our list is how their fees influence their overall value. We consider card fees in two ways — how it ranks relative to the fees you’ll find on other cards in the category and how it impacts a card’s overall value. 

Cards with high fees will always be at a slight disadvantage in our scoring system since fees inherently cut into any rewards value the card may offer. However, if a card offers terrific value in other ways, such as perks or convenience it can earn a spot in our list even if it carries high fees.

Flexibility and perks

Along with cost and rewards value, we consider other factors that could give cards great long-term usefulness. 

We considered how widely a card is accepted, and we sought options that are likely to be accepted anywhere you spend. Our team considered the size of each card’s network, the trustworthiness of each financial institution and the accessibility of reload options.

Due to the nature of prepaid and debit cards, additional perks such credit-building tools can be difficult to come by. If a card offers a path to improving your credit score, we’ve factored that into our scoring.

For rewards-earning cards, we consider any restrictions they impose on earning and redeeming rewards when deciding on a card’s inclusion in our list. 

These restrictions could include only allowing users to earn a high rewards rate on a small amount of spending or requiring users to meet a certain earning threshold before they can redeem rewards. We also examine whether points are worth less when you opt for some redemption options over others and whether a card gives you the flexibility to transfer rewards to airline and hotel partners. 

We also evaluate each card’s perks based on their value and uniqueness. For prepaid cards, flexibility and convenience can play a significant role in a card’s overall usefulness. 

Rewards value

Since many cardholders looking for a prepaid card are eager to earn rewards, a key criteria for a card’s inclusion in our list is its rewards value. Rewards value factors in a card’s average rewards rate, estimated annual rewards earnings, sign-up bonus value and reward redemption value.

To estimate a card’s average annual rewards earnings, we calculate its average rewards rate based on how much it earns in different bonus categories, as well as how closely those categories match the average person’s spending habits. In other words: Does the card earn rewards at a high rate in the most popular spending categories?

We use consumer spending data from the Bureau of Labor Statistics (BLS) to get a reliable third-party measure of people’s spending habits. The most recent BLS data estimates average total spending in 2021 was $66,928 per consumer. We then narrow our focus to which purchases are likely to be put on a credit card and earn rewards, subtracting expenditures like housing, vehicle purchases and education. This gives us a total “chargeable” annual spend of around $22,500.  

This includes the following spending by category:

• Groceries: $5,200
• Dining out: $3,000
• Entertainment: $2,500
• Gas: $2,100
• Apparel and services: $1,700

Using this data, we assign a weighting to each of a card’s bonus categories. For example, a card’s grocery rewards rate receives a 23 percent weighting based on how much of the average person’s budget is spent on groceries. We also estimate the redemption value of points or miles from various issuer, airline and hotel rewards programs.

This weighting and rewards valuation allows us to estimate a card’s average annual rewards earnings — how many points or miles you’d earn with a given card if your spending was about average and you used the card for all of your purchases — as well as what those points are worth. We also use point valuations to determine a card’s sign-up bonus value

With these calculations complete, we assign each card a score based on how its average rewards earnings, sign-up bonus value, rewards rate and redemption value stack up against other cards in its primary category.

The better these values, the higher its score will be, making it more worthy of inclusion in our list and increasing its potential ranking.

Frequently asked questions about prepaid cards

How do i get a prepaid card.

You can get a prepaid card in a number of ways, including: 

• Online : You can go online and purchase a prepaid card using your credit or debit card information, which will be charged at the time of purchase.
• In-store : You can go to any store and purchase a prepaid card with cash.
• At a bank branch : You can go to a bank branch, provide your personal information and purchase a prepaid card with cash or by using your checking account number and routing number (which is typically on checks).

How do you reload a prepaid card?

You can reload a prepaid card much like you would receive money in a checking account linked to a debit card. Here are some ways you could reload a prepaid debit card, depending on the issuer:

• In person at the financial institution that issued the card
• In person at participating retail locations
• Online transfer from a checking or savings account
• Mobile deposit, if available
• Direct deposit, if available

What are alternatives to prepaid cards?

If you'd rather not use a prepaid card, there are other options that may suit your needs better:

• Fintech banking apps: These apps, like SoFi , work like any other bank app, but they don't require a traditional bank account. Some of these apps are free, but some charge monthly fees for certain features.
• Alternative spending accounts: An alternative spending account, like Chime , is typically a checking account without overdraft fees, monthly fees or service fees. They're designed for people who want a simple place to keep their money but don't want all of the features of a traditional checking account.
• Second-chance checking accounts: These second-chance accounts  allow people who have been denied access to traditional checking accounts due to low credit scores or unpaid debts access to basic banking services. 
• Secured credit cards: These allow people who have bad or no credit histories to make a deposit for access to a limited credit line. If you can afford to make a security deposit upfront, you can use a secured credit card for minor expenses and build your credit score at the same time.

Article sources

We use primary sources to support our work. Bankrate’s authors, reporters and editors are subject-matter experts who thoroughly fact-check editorial content to ensure the information you’re reading is accurate, timely and relevant.

Netspend Visa Prepaid Card fees . Netspend. Accessed on May 10, 2024.

Report on the Economic Well-Being of U.S. Households in 2022 - May 2023 . Board of Governors of the Federal Reserve System. Accessed on May 10, 2024.

2021 FDIC National Survey of Unbanked and Underbanked Households . FDIC. Accessed on May 10, 2024.

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author’s alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.

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12 Best Credit Cards for Bad Credit in Canada for 2024

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.

A bad credit score doesn’t mean you can’t get a credit card, though you may have fewer cards to choose from. That said, there are plenty of credit cards specifically designed for those with low or no credit history.

Whether you want to establish your credit history as a Canadian newcomer, repair a damaged credit score or simply need access to a card that fits your financial situation, a credit card geared towards those with no or bad credit may be the solution.

• Best overall credit cards for bad credit
• Best overall credit cards for fair credit
• Best overall credit cards for no credit
• How we evaluate cards
• Summary of our selections

How to get a credit card with bad credit

American express cobalt® card.

Welcome Offer: Earn up to 15,000 points (up to $150)! In your first year, as a new Cobalt Cardmember, you can earn 1,250 Membership Rewards ® points for each monthly billing period in which you spend $750. Earn 5X points on eligible Eats & Drinks. Earn 3X points on eligible streaming subscriptions. Earn 2X points on Travel and Transit. Terms and Conditions Apply.

Best overall credit cards for bad credit in Canada

Best secured credit card for: Cash back

Neo secured credit.

• Build credit history with on-time payments.
• Set your credit limit and get started with as little as $50.
• Guaranteed approval with no credit score needed to apply.
• 0.5% guaranteed monthly minimum cashback.
• No monthly or annual fees.
• Depending on plan (base or premium), customers can earn up to 6% on restaurants and bars, 4% on apps like DoorDash and Disney+, 3% on gas and groceries, and 0.5% on all other purchases.
• Personalized Insights AI generates tailored information and recommendations designed specifically for you.

Best prepaid card for: Building credit

Koho prepaid mastercard (essential plan).

• Sign up for a KOHO account with code NERDWALLET and get $40 when you make your first purchase!*.
• Earn 1% cash back on groceries, eating & drinking, and transportation. Plus, up to 50% extra cashback from select merchants.
• Earn 5% interest on both your spending and savings account. Your funds will also be eligible for CDIC insurance. Interest rates are per year, calculated daily, paid monthly, and can change at any time without notice.
• Choose from one of four exciting card colours. Receive both a physical and virtual card.
• Start adding funds and shopping online while you wait for your physical card to arrive in the mail. No need to budge from your couch to make online purchases. Just use your virtual card!
• Card Security – KOHO provides a different card number to help protect your physical card number when you’re shopping or booking services online
• Add your KOHO card to Apple, Samsung or Google Pay
• Automate your savings with Goals and RoundUps. Rounding up every purchase lets you stash away some savings, while Goals make it easier to save for whatever it is that makes you happy
• Lock in savings with Vault that keeps the funds you don’t want to spend separate from your spendable balance
• Create custom budgets and track your spending habits. Know where you’re at in real time with instant notifications every time you spend.

Best no-fee secured card for: Building credit

Home trust secured visa (no annual fee).

• No annual fee.
• Lower interest rate available for a $59 annual fee.
• $500 minimum security fund deposit required.
• $10,000 maximum security fund deposit.
• Hard credit checks are made on Home Trust Secured Visa applications.
• Credit activity, including every payment, is reported to TransUnion and Equifax, the two major consumer credit bureaus in Canada.
• Ability to upgrade to an unsecured credit card.
• Manage your account and billing online.
• Cardholders can choose between a card with no annual fee and 19.99% interest or an annual fee of $59 and 14.90% interest.
• Protection against fraud through Visa’s Zero Liability Policy.
• Preferred rates: 19.99% for purchases and cash advances.
• To be eligible, you must have a source of income and cannot currently be in bankruptcy. You must also be a Canadian resident of the age of majority in the province or territory where you live. The Home Trust Secured Visa Card is not available to Québec residents.

Best credit cards for fair credit in Canada

Best fair credit card for: Hotel stays

Marriott bonvoy® american express®* card.

• New Marriott Bonvoy® American Express®* Cardmembers earn 50,000 Marriott Bonvoy® points after you charge $1,500 in purchases to your Card in your first three months of Cardmembership. Subject to change at any time
• Earn 5 points for every dollar in eligible Card purchases at hotels participating in Marriott Bonvoy®.
• Earn 2 points for every $1 in all other Card purchases.
• Receive an Annual Free Night Award for up to 35,000 points at eligible hotels and resorts worldwide every year after your first anniversary.
• No annual fee on Additional Cards.
• Redeem points for free nights with no blackout dates at over 7,000 of the world’s most desired hotels.
• Automatic Marriott Bonvoy Silver Elite status membership.
• Receive 15 Elite Night Credits each calendar year with your Marriott Bonvoy® American Express®* Card. These can be used towards attaining the next level of Elite status in the Marriott Bonvoy program.
• Enjoy an automatic upgrade to Marriott Bonvoy Gold Elite status when you reach $30,000 in purchases on the Card each year or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your card.
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. Conditions Apply. If you apply and get approved for an American Express Card, NerdWallet may receive compensation from American Express, which can be in the form of monetary payment.

Best fair credit card for: No annual fee

• No annual fees.
• Earn instant unlimited cashback at thousands of partners that you can save for later or use immediately.
• Earn an average of 5% cashback at 10,000+ partners across the country.
• Pay with Neo Credit to earn cashback. Then split the bill in the app to send multiple Interac e-Transfer® requests instantly. The payments will be directly deposited into your Neo Money™ account.
• Cash out the cashback you’ve earned with Neo Credit to a Neo Money™ account to take advantage of one of the highest everyday interest rates.

Honourable mention for: Fair credit

Home trust no fee preferred visa rewards credit card.

• Receive 1% cash back¹ on every eligible purchase made with your Home Trust Preferred Visa*.
• CashBack Rewards earned are displayed every month on your statement, and the total amount earned for the previous year will be provided to you as a credit in January.
• Use your Home Trust Preferred Visa on purchases made in foreign currencies without added foreign exchange fees², whether you’re spending while abroad or shopping online at home.
• Worldwide access from anywhere you are, for hotel and travel reservations or shopping in-store and online. Access cash at over 2.5 million ATMs in more than 200 countries and territories worldwide.
• Manage your Visa account easily and securely — at any time, and from anywhere. Get your balance and view your transactions at Home Trust Visa Online.
• Purchase Security³: insures eligible items against theft or damage for 90 days from the date of purchase.
• Manage your Home Trust Visa account easily and securely — at anytime from anywhere in the world. View the card’s balance, transactions and pay bills online at Home Trust Visa Online.
• Guaranteed hotel reservations — with this international travel credit card, you can request a guaranteed hotel reservation anywhere in the world and your room will be held for you even if you arrive late.
• To be eligible, $15,000 individual annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live. You cannot currently be in bankruptcy or be a resident of Quebec.

Best credit cards for no credit in Canada

Best credit cards for canadian newcomers.

Best newcomer card for: Travel rewards

Bmo air miles®† mastercard®*.

• Welcome offer: Get 800 AIR MILES Bonus Miles!* That’s enough for $80 towards purchases with AIR MILES Cash.*
• Get a 0.99% introductory interest rate on Balance Transfers for 9 months, 2% fee applies to balance amounts transferred.*
• Get 3x the Miles for every $25 spent at participating AIR MILES Partners and 2x the Miles for every $25 spent at any eligible grocery store.*
• Get 1 Mile for every $25 spent everywhere else.*
• Use your BMO AIR MILES Mastercard and AIR MILES Collector Card at an AIR MILES Partner to earn Reward Miles from both.*
• No annual fee.*
• Receive a discount on car rentals.*
• Extended Warranty.*
• Purchase Protection.*
• *Terms and conditions apply.
• BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.

Best newcomer card for: Cash back rewards

Bmo cashback® mastercard®*.

• Welcome offer: Get 5% cash back in your first 3 months.*
• Then get 3% cash back on grocery purchases, 1% cash back on recurring bill payments and 0.5% unlimited cash back on all other purchases!*
• Now earn the highest cash back on groceries in Canada without paying an annual fee!†
• No Annual fee.*
• Want to get your cash back ASAP? Now you can redeem your cash back anytime through direct deposit, as a credit on your statement or into your BMO InvestorLine account.*
• †Statement based on a comparison of the non-promotional grocery rewards earn rate on Canadian cash back credit cards as of January 4, 2023.

Best newcomers card for: No foreign transaction fees

Scotiabank passport™ visa infinite* card.

• Earn up to $1,100+ in value in the first 12 months, including up to 35,000 bonus Scene+ points and first year annual fee waived on your first supplementary card. Offer Ends January 3, 2024.
• The only major bank credit card offering you no foreign transaction fees, including for shopping online or abroad.
• Your Award Winning Card For Travel.
• Earn 2 Scene+ points on every $1 you spend on eligible grocery stores, dining, entertainment purchases, and daily transit purchases (including buses, subways, taxis and more).
• Earn 1 Scene+ point on every $1 you spend on all other eligible purchases.
• You’ll earn 3X Scene+ points for each dollar charged to your account on all eligible purchases¹ at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés TradItIon, Rachelle Béry and Co-Op.
• Airport lounge access through complimentary Visa Airport Companion Program membership, plus six complimentary lounge visits per year from the date of enrollment, providing you with access to 1,200+ airport lounges globally, including participating Plaza Premium Lounges.
• Visa Infinite* benefits including Visa Infinite Concierge, Visa Infinite* Luxury Hotel Collection, Visa Infinite* Dining Series, and Entertainment & Lifestyle Offers.
• Access to Scotia SelectPay™.
• To be eligible, $60,000 (individual) or $100,000 (household) annual income is required, or a minimum assets under management of $250,000. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.
• Terms and Conditions Apply. Click ‘Apply Now’ for complete details.

Best credit cards for students

Best overall student card

Bmo cashback® mastercard®* for students.

• Welcome offer: Get 5% cash back in your first 3 months.*
• Get cash back every time you spend, plus start building a healthy credit history.

Best for: Customizable spending categories

Tangerine money-back credit card.

• 2% on two categories of your choice: grocery, furniture, restaurants, hotel-motel, gas, recurring bill payments, drug store, home improvement, entertainment, or public transportation and parking.
• Get a third cash-back category by choosing to have your rewards deposited into a Tangerine Savings Account.
• 0.50% on everything else.
• Redeem cash back monthly as a statement credit or deposited into a Tangerine Savings Account.
• Transfer balances within your first 30 days and pay only 1.95% interest on the transferred balance for the first six months (19.95% after that). 1% balance transfer fee applies to the amount transferred.
• Get free cards for any authorized users on your account.
• It only includes purchase assurance and extended protection insurance. For more insurance, consider the Tangerine World Mastercard which requires a minimum personal income of $60,000. If you meet this requirement, you will automatically be considered for the World card if you apply for the Money-Back card.
• Preferred rates: 19.95% for purchases and cash advances.
• To be eligible, a $12,000 (individual) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

Best student card for: Aeroplan points

Cibc aeroplan® visa card for students.

• 1x Aeroplan points per dollar on gas, electric vehicle charging, groceries and Air Canada travel purchases, up to $40,000 annual spend.
• 1x Aeroplan points per $1.50 spent on all other purchases, including gas, electric vehicle charging, groceries and Air Canada travel purchases that exceed the $40,000 threshold.
• Earn points twice at over 150 Aeroplan partners and 170+ online retailers through the Aeroplan eStore.
• Aeroplan Points never expire and can be redeemed for a variety of travel, merchandise, gift card, and other rewards offered by Aeroplan’s participating partners and suppliers.
• $0 annual fee.
• Get three free months of Uber Pass for discounts on rides, meals and more. Offer ends September 8, 2022.
• Earn 1 Aeroplan point for every $6 spent on CIBC Global Money Transfer, with no transaction fees or interest as long as you pay your balance on time. Offer ends June 30, 2022.
• Maximize your points by adding up to three additional cards and giving them to your spouse or other family members. Points can be shared with other Aeroplan members in your household.
• Earn points by using your CIBC Aeroplan Visa to automatically make recurring bill payments.
• Receive preferred pricing when paying for flights with your Aeroplan points.
• Save up to 25% on car rentals at participating Budget and Avis locations worldwide when paying with your card.
• Save up to 10 cents per litre at participating Chevron, Ultramar and Pioneer gas stations if you link your card with Journie Rewards.
• Use the CIBC Pace It feature to make installment payments on large purchases.
• Four types of insurance are provided: auto rental collision and loss damage insurance, purchase security, extended protection insurance, and $100,000 in common carrier accident insurance.
• Preferred rates: 20.99% for purchases, 22.99% for cash advances.
• To be eligible, you must have full-time status in a college or university.

Methodology: How we evaluate cards

NerdWallet Canada selected the best credit cards for bad credit based on overall consumer value and their suitability for specific kinds of consumers. Our evaluation is weighted by several factors, which depend on the card type. For unsecured credit cards: 50% rewards value, 25% intro offer, and 25% fees and interest. For secured cards: 50% features specific to secured credit cards, 30% fees and interest, 12% rewards and 8% intro offer. For prepaid cards: 60% features specific to prepaid cards, 15% fees, 15% rewards, and 10% intro offer. Rewards value considers earning rates, rewards structure, promotional rates and spending categories. The intro offer considers the welcome bonus value, promotional interest rates, and any waived fees. Fees and interest consider the annual fee, additional costs such as foreign transaction fees, and interest rates for purchases, balance transfers and cash advances. Features specific to secured credit cards include minimum and maximum deposit, ability to upgrade to an unsecured credit card, credit checks and credit reporting. Features specific to prepaid cards include minimum and maximum deposit, maximum reload amount in any 24-hour period, ATM access, insurance benefits, digital wallet compatibility, and more. Only reloadable prepaid cards that are available online, secured credit cards with online applications, and unsecured cards that the issuer explicitly markets as suitable for bad or fair credit scores were considered for this list. We only assessed cards available to consumers in multiple Canadian provinces and territories.

Summary of best credit cards for bad credit, fair credit and no credit

A poor credit score, or a lack of credit history, isn’t the end of the world — and it doesn’t mean you can’t get a credit card . If you’re looking to build or rehabilitate your credit, a credit card can be a stepping stone to a stronger score.

Credit cards for bad credit connect people with credit options that work for their financial situation. Low or no credit doesn’t need to immobilize you. Numerous card options can help you build your credit.

What credit score is needed for a credit card?

A credit score of 660 or more is typically the eligibility threshold for most credit cards. You can still qualify for a credit card with a lower score, but your card options may be limited. Certain types of credit cards , like prepaid or secured cards, are designed for those with low or no credit.

What is a credit score and how is it calculated?

A credit score is a three-digit number — typically between 300 to 900 — that represents your creditworthiness. The higher your score, the more creditworthy you appear in the eyes of potential lenders. Your score is generated from your credit report by the two major Canadian credit bureaus: Equifax and TransUnion.

The credit bureaus collect information about your payment history from your creditors. They then use this information to calculate your credit score..

Credit scoring models aren’t publicly available, but generally speaking, here’s how credit scores tend to be categorized:

What is a bad credit score in Canada?

A credit score below 600 is considered poor. A score in this range will make qualifying for an unsecured credit card difficult, if not impossible. Even a score of 600 to 659 — fair, by most scoring standards — may result in card denial.

Financial events and factors that may result in a lower credit score include:

• Late bill payments.
• Little to no credit history.
• Too few credit accounts.
• Foreclosures, bankruptcies and delinquencies.
• Past-due accounts being transferred to collections agencies.
• Consistently using most or all of your available credit .
• Opening numerous new accounts in a short period of time.
• Too many different types of credit accounts and not a good mix of debt (credit cards, loans, mortgages, etc.).

How can you tell if you have bad credit?

You can check your credit score by contacting Equifax or TransUnion or using a third-party financial service.

Equifax offers online access to your credit score and report when you sign up for a free online subscription. You can also submit a request by phone, by mail or in person and receive  a paper copy by mail. You should expect to receive your credit information within five to 10 business days following the request.

You can access your credit report — which TransUnion calls a consumer disclosure — for free through TransUnion’s website. If you live in Quebec, you’ll find your credit score included in your consumer disclosure. Canadians outside of Quebec must sign up for TransUnion’s subscription-based credit monitoring service for $24.95 monthly to see their credit score. This service includes email updates of changes to your credit score, personalized debt analysis and up to $1,000,000 in ID restoration insurance.

Third-party personal finance service or bank

Outside the two major Canadian credit bureaus, you may also be able to check your credit score through a third-party financial service. A number of major Canadian banks, including BMO, CIBC, RBC and Scotiabank, offer credit score access via their online banking platforms and mobile apps.

How long do bad credit events stay on your report?

Negative credit events typically stay on your credit report for six to seven years — though this may fluctuate depending on the nature and severity of the incident, as well as your location. For example, if you live in Prince Edward Island, bankruptcy may stay on your report for up to 10 years.

Easiest types of credit cards to get approved for in Canada

For those with poor credit, certain types of credit cards may be easier to access than others.

Secured credit cards

A secured credit card requires a cash deposit to open an account. The amount that you deposit typically becomes your credit limit. So, if you deposit $500, your credit limit will be $500. Secured cards work just like other credit cards. You can use them wherever credit cards are accepted, and you’ll accrue interest on any outstanding balances.

Secured credit cards give card issuers peace of mind because if you fail to pay your bill on time, they will take money from your initial security deposit to repay the balance. In this way, these cards are secured by the initial deposit you make when you open your account — hence the name. These cards differ from traditional credit cards, also called unsecured cards, which aren’t secured by any form of deposit.

If you consistently pay your bill on time, one of the best secured cards in Canada can help you build your credit and improve your score. Plus, you’ll get your initial deposit back when you close your account.

Which makes sense for you? Secured vs. Unsecured Credit Cards: How to Choose

Prepaid cards

A prepaid card is sort of like a debit card: you load money onto your card and spend the balance when you make a purchase.

Transactions charged to a prepaid card are withdrawn from available funds in real time. Unlike a traditional credit card, a prepaid card won’t help you build your credit score because your transactions aren’t typically reported to the credit bureaus, so your credit history and score aren’t impacted by using the card.

So, why get a prepaid card? Well, you can use them wherever traditional credit cards are accepted, and the best prepaid cards earn rewards or boast other special features. Plus, they don’t require a credit check, which means those with low or no credit are eligible to apply.

Store credit cards

Store credit cards — also called retail credit cards — are cards offered exclusively by retailers. You can only use these cards at the associated store, but they tend to provide appealing perks and rewards.

Student credit cards

Student cards are unsecured cards that often have low or no annual fees and attractive perks, like rewards and insurance coverage. While many entry-level unsecured credit cards may be suitable for students, some issuers specifically offer official student-branded credit cards that have fewer criteria for acceptance.

To qualify for these official student cards, you must be the age of majority in your province or territory — no credit check required. You may be asked to demonstrate that you’re a post-secondary student by providing proof of enrollment. You’ll begin building your credit history as you use one of the best student credit cards .

Newcomer credit cards

Recently moved to Canada? Finding a credit card as a newcomer with no Canadian credit score or history may feel like a daunting task. But each of the Big Six banks in Canada — BMO, CIBC, National Bank, RBC, Scotiabank and TD Bank — offer credit cards specifically designed for newcomers.

These cards typically don’t require an established credit history to apply.. Many newcomer cards boast the same perks and rewards programs as traditional credit cards.

Eligible applicants must be the age of majority in the province or territory where they live and must provide some personal information, like their date of birth, residential address and Social Insurance Number. Sometimes, proof of status as a Canadian newcomer, like a Canadian Permanent Resident Card, confirmation of Permanent Residence, or a work or study permit, is required.

Cards for Canadian newcomers tend to have lower credit limits — often ranging between $5,000 to $15,000.

Establishing your credit score as a newcomer to Canada

Some financial institutions may accept credit history from outside of Canada, but this isn’t always the case. So, one of the best ways to build your credit score as a newcomer to Canada is to apply for a credit card . Credit cards establish your credit history and contribute to your credit report. Payment and credit history can have a big impact on your credit score, so don’t delay.

Loan and line of credit payments also contribute to your credit history, so don’t be shy about having more than one credit product. So long as you pay your bills on time, you’ll be well on your way to building your Canadian credit history and getting one of the best credit cards available .

Guaranteed approval for credit cards for bad credit

Guaranteed approval credit cards guarantee your card approval as long as you meet the eligibility criteria. Cards with guaranteed approval are rare and are typically secured credit cards.

Eligibility criteria for these cards typically include the following:

• Canadian residency.
• Age of majority in your province or territory.
• Minimum security deposit requirements.

Credit cards for fair credit Canada

Most unsecured cards require a credit score of at least 660 to qualify, but there are some cards open to people in the fair credit score range. If you have fair credit, you’ll find fewer cards to choose from, but if you use your card responsibly , your score will improve and more card options will become available over time.

How to compare credit cards for bad credit

Consider the following before you fill out a credit card application:

• Credit check. If you don’t feel confident about your score, seek a card that doesn’t require a credit check. 
• Eligibility criteria. Some credit cards for low or no credit are strictly limited to those who meet certain eligibility criteria, like newcomers to Canada or post-secondary school students.
• Deposit . A card that requires a deposit may be easier to qualify for but could be a dealbreaker for those who don’t have the necessary funds on hand.  
• Card features. Insurance, rewards, travel perks, interest rates — no two credit cards are the same, so consider benefits and features to find the card best suited to your lifestyle. 

How to apply for a credit card with bad credit

Finding the credit card that works best for your financial situation can help you rebuild your credit and improve your credit score.

Here’s how to apply for a credit card with bad credit:

• Know your credit score. Your credit score is important information that will help you make an informed decision about the card you pursue. With it, you’ll be able to target cards you have a chance of being approved for and avoid an application rejection, which could harm your score. Get your credit score from your bank or one of the credit bureaus.
• Explore your options. Secured and prepaid cards are both viable choices for someone with bad credit. These cards will have different credit limits, interest rates and perks, so weigh your options carefully.
• Complete an application. No matter how eager you are to get a credit card, try to limit yourself to a single card application at a time . Card applications impact your credit score and multiple applications could act as a red flag for providers and hurt your chances of approval.

Does applying for a credit card affect your credit score?

Applying for a credit card can negatively affect your score. Each time you submit a credit card application, the card issuer must perform a hard credit inquiry . These hard credit checks can drop your score by a few points, regardless of whether you’re approved or not.

Do multiple credit cards affect your credit score?

Whether having multiple credit cards will positively or negatively impact your score depends more on how you use them than how many you carry. Having more than one credit card increases your combined credit limit. So long as you don’t max out both cards, the increased credit limit means your credit utilization ratio will drop, which can positively impact your credit score.

That said, you may run into trouble if you have multiple cards that you consistently keep at or near their credit limit. Failing to pay your credit card bill on time will also hurt your score.

A good rule of thumb when you carry multiple cards is to keep your credit utilization low — 30% of your overall limit or less — and automate your card payments so you never fall behind.

6 ways to improve credit score

If you have a bad credit score, don’t panic. There are numerous ways to improve your credit .

• Get a credit card to rebuild credit . A credit card can help you rehabilitate your credit score, so long as you use it responsibly and consistently pay your bill on time.
• Limit your credit applications. Whether it’s a card or another form of credit, like a loan, limit your applications to avoid too many hard credit checks on your record. Also: numerous applications may look suspicious in the eyes of your potential lenders.
• Automate your payments. Missed or late payments can have a huge impact on your credit score. Consider automating your monthly bill payments — utilities, mobile phone, student loans — all of these impact your credit score.
• Use less than 30% of your available credit. Keeping your credit utilization low can have a positive impact on your credit score.
• Check your credit report for inaccuracies. Sometimes lenders get it wrong, which means there could be inaccuracies in your credit report. You can dispute these inaccuracies and have them corrected.
• Keep old accounts open. If you have old accounts you’ve paid off, consider leaving them open. The longer your credit history, the better. Keep old accounts active by using them every so often and immediately pay off what you owe. If you have to close your account, make sure you cancel your credit card the right way .

How long does it take for your credit score to change?

Credit reports are typically updated once every 30 to 90 days. Your credit score will change based on the information in your credit report. Each new piece of information added to your report has the potential to impact your credit score.

Frequently asked questions about getting a credit card with bad credit

Most unsecured credit cards require a credit score of 660 or more to qualify. But cards for those with fair, poor or no credit are available.

Credit cards that don’t require a credit check are designed for those with poor or no credit. Instead of relying on a credit check, secured and prepaid cards require a cash deposit to open an account. Unsecured credit cards for Canadian immigrants may also be available without a credit check.

About the Authors

Shannon Terrell is a lead writer and spokesperson for NerdWallet, where she writes about credit cards and personal finance. Previously, she was a writer, editor and video host for financial…

Georgia Rose is a lead writer on the international team at NerdWallet. Her work has been featured in The Washington Post, The New York Times, The Independent and The Associated…

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