How to Instantly Get a Bank of Khyber Digital Debit Card in 2025

By Abdul Wasay ⏐ 5 months ago

Launched in 1991 with its roots deep in the heart of Peshawar, Bank of Khyber (BoK) has evolved from a regional stronghold into one of Pakistan’s most dynamic digital banks. Fast forward to 2025, and BoK is setting the pace with its Digital Debit Mastercard, which is a sleek, instant-issue card that puts your money where you need it, right when you want it.

Swipe it at your local dhaba, tap it on your next Daraz haul, or use the BoK Digital app to lock, unlock, or set spending limits in real time. The best part? You get 25% off your first Daraz order and 10% off the rest, making every purchase feel like a win.

This guide walks you through how to get started and unlock all the benefits. Here we go:

BoK Debit Card: Eligibility Requirements

To qualify for a BoK debit card, you must meet these criteria:

Age: 18 years or older.
Residency: Pakistani citizen with a valid CNIC.
Account Status: Active BoK account (savings or current, Conventional or Islamic).
Credit History: Not required; debit cards use your existing funds.
Note: Both Conventional and Islamic account holders are eligible, ensuring inclusivity.

Income Requirements

Since BoK debit cards draw directly from your account balance, no income proof is needed. However:

Account Balance: Keep sufficient funds to support your transactions. Gold cards have a daily limit of PKR 70,000, while Platinum cards allow up to PKR 100,000.

BoK Debit Card Application Methods

Choose your preferred application method:

Via Mobile App

Log into the BOK Digital App.
Navigate to Menu → Card Management → Request New Card.
Select BoK Digital Mastercard (Gold or Platinum).
Set your daily limit and expiry date.
Verify your account status (ensure it’s active and in good standing).
Your digital card is generated instantly.

Branch Visit

Visit any BoK branch.
Request a Digital Mastercard and fill out the form.
Specify your spending limits.

Tip: Schedule an appointment via the app or website for faster service.

Required Documents

Prepare these before applying:

Valid CNIC copy (digital copies accepted for online applications).
Active BoK account (savings or current).
No income proof required.
Set your spending limit and expiry date during the process.

BoK Digital Debit Mastercard: Approval & Activation

Approval Timeline: Instant approval via the app if your account is in good standing.
Card Delivery:
- Digital Card: Available immediately in the app.
- Physical Card: Delivered or picked up at a branch within 3–5 business days.
Activation:
- Digital Card: Enable e-commerce via in-app prompts and OTP.
- Physical Card: Activate at a BoK ATM or through the helpline.

Benefits of BoK Digital Debit Mastercard

Enjoy these modern features:

Instant Issuance: Get your Gold or Platinum card in seconds via the app.
Global Acceptance: Use it worldwide at Mastercard merchants and ATMs; domestically via 1LINK.
Contactless & Secure: NFC for tap payments, EMV Chip & PIN, and 3D Secure for online safety.
Custom Limits: Gold up to PKR 70,000 daily; Platinum up to PKR 100,000.
E-commerce Flexibility: Toggle online payments via the app.
Exclusive Discounts: Offers on e-commerce platforms (e.g., up to 25% off on sites like Daraz).
Transit Compatibility: Use for e-ticketing and mass transit (subject to regional availability).
Online Security: 3D Secure ensures safe e-commerce transactions.

Frequently Asked Questions (FAQs)

Can I apply without visiting a branch?

Yes, generate your digital debit card instantly via the BOK Digital app.

What’s the difference between Gold and Platinum?

Gold offers a PKR 70,000 daily limit; Platinum provides PKR 100,000.

Does it support contactless payments?

Yes, with NFC for tap payments and 3D Secure for online purchases.

Can I disable online use?

Yes, toggle e-commerce settings instantly in the app.

Are there shopping or travel perks?

Yes, enjoy e-commerce discounts and transit payment options (where available).

What if I lose my card?

Report it via the app or helpline. A replacement can be issued quickly through the app or a branch.

Final Thoughts

The BoK Digital Debit Mastercard has made itself a clear reflection of Bank of Khyber’s bold vision to lead the future of Islamic banking through innovative, customer-first solutions. Built on the foundation of integrity, professionalism, and cutting-edge technology, this card empowers you to spend, save, and manage your finances with complete control.

From instant issuance to tap-and-go ease, from Daraz-exclusive discounts to seamless app-based security, the card captures what BoK stands for: excellence in service, community-driven values, and financial access for every Pakistani. With a proud legacy rooted in the province and a mission focused on equitable socioeconomic growth, BoK continues to deliver a smarter, inclusive way forward.