Empowering Rural and Urban Banking With Zarai Taraqiati (ZTBL) Debit Cards

Founded back in 1961 as the Agricultural Development Bank of Pakistan, Zarai Taraqiati Bank Limited (ZTBL) has become a vital part of public banking, focusing on uplifting Pakistan’s farming communities and connecting rural economies with modern financial solutions.

The ZTBL PayPak debit card is a secure and user-friendly option for farmers, professionals, and city dwellers alike, making it easy to handle transactions. For rural customers, particularly farmers, ZTBL offers specialized agricultural loans, technical guidance, and Shariah-compliant accounts to enhance productivity and economic stability. Urban customers benefit from digital banking services, such as Inter-Bank Fund Transfers (IBFT), mobile top-ups, and utility bill payments, supported by ZTBL’s mobile app and online portal. The debit cards can be one gateway to achieving these dreams with just a single swipe.

Tailored for local use, this debit card works with Pakistan’s own PayPak network, ensuring both reliability and convenience. This guide, refreshed for July 2025, details everything you need to know about eligibility, the application process, benefits, and more for getting your hands on a ZTBL PayPak debit card.

Eligibility Requirements

To apply for a ZTBL PayPak debit card, you must meet these criteria:

• Minimum Age: 18 years or older.
• Valid Identification: A current and valid Pakistani CNIC (Computerized National Identity Card).
• Active Account Required: An active ZTBL savings or current account (conventional or Shariah-compliant).
• Credit History: Not required, as the card is linked directly to your account balance.

These requirements ensure accessibility for a wide range of customers, from rural farmers to urban professionals.

Source: ztbl.com.pk

Income and Balance Requirements

As debit cards, ZTBL PayPak cards do not require a minimum income. You only need sufficient funds in your ZTBL account to cover transactions. While specific daily transaction limits may vary, typical limits are:

• ATM Withdrawals: Up to PKR 50,000 per day.
• Point-of-Sale (POS) Transactions: Up to PKR 50,000 per day.
• Electronic Fund Transfers: Up to PKR 200,000 per day.

Note: These limits are indicative and align with standard banking practices. Confirm exact limits with your ZTBL branch, as they may vary based on account type or card configuration.

ZTBL Debit Card Application Methods

You can obtain a ZTBL PayPak debit card through the following methods:

• Branch Visit: Visit any of ZTBL’s 416+ branches across Pakistan. Complete a debit card request form, provide your CNIC and account details, and specify your preferred card type.
• Account Opening: When opening a new savings or current account, ZTBL typically issues a basic PayPak debit card automatically.

As of July 2025, ZTBL’s mobile app supports digital banking services but does not yet offer instant debit card issuance. Applications must be processed in-branch.

Required Documents

Prepare these documents for your application:

• Original CNIC and a photocopy.
• Completed debit card application form (available at branches).
• Proof of address (e.g., a recent utility bill), if requested by the branch.

Income proof is not typically required, as debit cards rely on your account balance.

ZTBL Debit Card: Approval and Activation

• Approval: Applications are approved on the same day at the branch, provided documents are complete and your account is active.
• Card Delivery: You may receive your PayPak debit card immediately at the branch or via mail, depending on the branch’s process.
• Activation: Activate your card by:
  • Using it at any ZTBL or 1LINK ATM to set a PIN, or
  • Calling ZTBL’s 24/7 helpline at 051-111-30-30-30.

Benefits of ZTBL Debit Cards

ZTBL PayPak debit cards offer practical features for secure and convenient transactions:

• Wide Acceptance: Use at over 54,000 retail outlets across Pakistan that support the PayPak network, and withdraw cash at ZTBL and 1LINK ATMs.
• Transaction Flexibility: Supports cash withdrawals, POS payments, Inter-Bank Fund Transfers (IBFT), mobile balance top-ups, and utility bill payments.
• Security: Equipped with EMV chip technology for enhanced transaction safety.
• Domestic Focus: Designed for cost-effective transactions within Pakistan, avoiding foreign exchange fees.

Note: Claims of personal accident coverage or partnerships with platforms like Golootlo for rewards and discounts are not currently supported by ZTBL’s official resources. Check with your branch for any loyalty programs or merchant offers.

Conclusion

ZTBL’s PayPak debit cards provide a reliable, secure, and accessible banking solution for rural and urban customers in 2025. Tailored to Pakistan’s domestic PayPak network, these cards support everyday transactions, digital services, and financial inclusion.

To apply, visit one of ZTBL’s 416+ branches or open a new account. For the latest details on fees, limits, or additional benefits, contact ZTBL at 051-111-30-30-30 or visit ztbl.com.pk.