PayPak Standard

PayPak Standard empowers every Pakistani with a world class modern and safe payment solution. The PayPak Standard debit card provides customers with easy access to their funds, anytime and anywhere.Customers can easily access funds in their account through PayPak debit card that is accepted at all ATMs across Pakistan and at various restaurants, shops, malls, and e-commerce websites. All transactions are locally routed within Pakistan keeping customer’s personal information safe and secure as there is no need for cross-border transfer of any data.  


Note: The PayPak Standard (Mono-badge) card is designed for domestic use only, while the PayPak Standard (Co-badged) card can be used for both domestic and international transactions, making it ideal for those who require access to global payment networks.
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PayPak Standard Features: 

  1. Discounts and Deals
  2. PayPak Standard Life Insurance/Takaful & Fraud Protection
Golootlo Deals & Discounts
  • Enjoy exclusive offers at over 30,000 merchant locations across 158 cities in Pakistan with your PayPak Standard card. Avail discounts at restaurants, salons, retailers, and more.
  • Avail deals 365 days a year with a free Gold category subscription on the Golootlo App for all PayPak Standard customers.

    Airline Discounts
  • Save 10% on both domestic and international flights with Pakistan International Airlines (PIA).
  • Get 10% off on domestic flights with AirSial.
PayPak Standard Life Insurance/Takaful

PayPak Standard values your peace of mind and offers exclusive insurance/takaful coverage through partnerships with top providers. This benefit ensures financial security for your loved ones, whether you are a new or existing PayPak Standard cardholder.

  • Coverage Amount: PKR 100,000
  • Includes: Coverage for all pre-existing conditions
  • Eligibility: Available to active PayPak Standard cardholders aged 18–65
  • Providers: Conventional Banking cardholders are covered by EFU Life Assurance Ltd., while Islamic Banking/Islamic Windows cardholders are covered by TPL Window Takaful Operations
PayPak Standard Fraud ProtectionYour security is our priority. PayPak Standard offers protection of up to PKR 30,000 per card per year against fraudulent or unauthorized transactions, including:
  • Fraudulent transactions occur while a PayPak Standard card is in your possession.
  • Unauthorized transactions on a lost or stolen PayPak Standard card.
  • Fraudulent digital transactions such as online funds transfers, bill payments, and recharges.

PayPak Standard – FAQs

PayPak Standard is a debit card that provides easy access to funds at ATMs and across various merchants in Pakistan. It also supports contact and contactless payments with advanced chip technology.

Mono-badged: used only for domestic transactions within Pakistan.

Co-badged: used for both domestic and international transactions.

PayPak Standard offers exclusive discounts at over 30,000 merchant locations across Pakistan through the Golootlo app, available 365 days a year.

PayPak Standard offers Life Insurance/Takaful coverage up to PKR 100,000 and Fraud Protection up to PKR 30,000 per year.

PayPak Standard cardholders get 10% off on domestic and international flights with PIA and 10% off on domestic flights with AirSial.

Cards can be requested through PayPak issuing banks and FIs 

PayPak Standard fees vary based on issuer’s bank/FI schedule of charges.

Yes, PayPak Standard is acceptable at over 18,500 ATMs across Pakistan. 

Yes, PayPak Standard is accepted on over 125,000 POS machines across Pakistan.

Yes, PayPak Standard can be used for online shopping at 3000+ eCommerce merchants. 

Yes, the Co-badged variant of PayPak Standard card can be used for international transactions. PayPak cards are usually co-badged with UPI and JCB, providing cardholders with access to conduct transactions globally.