ATM / Soneri Debit Master Card


Soneri Debit Master Card brings you a hassle-free experience of spending and making payments countrywide. As a Soneri Standard, Gold and Gold Premier Card holder you can avail unmatched opportunities and benefits.


  • Safer than carrying cash
  • Pay dinning, shopping, travelling and other bills at over 27 million outlets displaying Master Card signs locally and internationally
  • Worldwide cash withdrawal facility at over 1.7 million ATMs displaying the sign
  • Ease of cash withdrawal on 1 Link ATM (One-Link) ATM networks across Pakistan
  • Accessibility of multiple accounts from a single card
  • Makes money management easier
  • 24/7 Automated Telephone Banking
  • 24/7 Call Centre facility
  • Funds transfer facility between participating 1 Link ATM (One-Link) member banks
  • Attractive rewards on spending
  • Internet Banking
  • Mobile Banking for Ufone Users & Mobile Banking for GSM
  • Spending on Internet
  • SMS Alert Service
  • KuickPay : It is a convenient billing platform for many educational institutions, welfare payments, online website payments, and the like. For kuickPay available merchants please Click herenew
  • e-IPOs : To facilitate the process of applying for subscription of securities offered for sale through Initial Public Offerings (IPOs), the Central Depository Company of Pakistan Limited (CDC) has developed an e-IPO system. To check who can apply through e-IPO Click herenew

Kuickpay available merchants

  1. Hamdard University
  2. Civilizations Public School
  3. Progressive Secondary School
  4. Knowledge Junction School
  5. Beacon Light Academy
  7. Hamdard Public School
  8. Saylani Welfare Trust

Who can apply through e-IPO?

For making subscription application through the e-IPO portal, an investor must:

  • register themselves on the e-IPO portal.
  • be a citizen of Pakistan (whether resident or non-resident)
  • possess a CDS account (investor or sub account)
  • have a valid CNIC
  • have an active email address
  • have a bank account
  • apply as an individual


Who are eligible to apply?

Following is the eligibility criteria for Soneri Debit Master Card:

  • Individuals maintaining PKR chequing accounts with the Bank
  • Joint Account Holders with Operating instructions of Either or Survivor
  • Sole Proprietor having mandate issued by the firm either on the firm’s letterhead or PKR 100/- stamp paper may apply for Soneri Debit Master Card (Check with ADC Ops)
  • In order to apply for the Soneri Debit Master Card, the account holder of the Soneri Bank must be a resident of Pakistan. All non-resident account holders do not qualify or hold a Soneri Debit Master Card

What are the mandatory requirements for Soneri Debit Master Card application form?

Debit Card request subject to the availability of valid information in the following mandatory fields:

  1. CNIC/NICOP/POC/Passport (check from ADC Operations) “only for resident foreign nationals”
  2. Date of Birth
  3. Father’s/ Guardian’s/Spouse’s Name
  4. Mother’s Maiden Name
  5. Name on Card

Which account categories qualify to obtain Soneri Standard, Gold and Gold Premier Debit Cards?

Following are the account categories qualified to obtain Soneri Standard, Gold & Gold Premier Debit Cards:

  • PLS Savings
  • Soneri Savings
  • Basic Banking
  • Current Account
  • Ikhtiar Current Account
  • Soneri Sahara Account
  • Assan Account

Which account categories do not qualify to obtain Soneri Debit Master Card?

Following account categories do not qualify to obtain Soneri Debit Master Card:

  1. Any Non-Personal account i.e. Companies, Organizations, Trust Account, Government Account and Collection Account, etc. except for Sole Proprietorship accounts
  2. Customer accounts having joint operations
  3. Dormant, inoperative, blocked or restricted accounts
  4. Partnership accounts
  5. Account with “NIL” balance
  6. Accounts requiring thumb impressions/photo for operation

What are the available limits on Soneri Standard, Gold and Gold Premier Card?

Standard Gold Gold Premier
Cash Withdrawal Rs. 50,000 Cash Withdrawal Rs. 100,000 Cash Withdrawal Rs. 200,000
POS- Purchase Rs. 50,000 POS- Purchase Rs. 100,000 POS- Purchase Rs. 200,000
Funds Transfer Rs. 250,000 Funds Transfer Rs. 250,000 Funds Transfer Rs. 500,000
Inter Bank Fund Transfer Rs. 250,000 Inter Bank Fund Transfer Rs. 250,000 Inter Bank Fund Transfer Rs. 500,000

Is the Soneri Debit Master Card acceptable for purchases?

Yes, you can pay for shopping over Internet (need to activate the session via phone banking officer), shopping, meals, travel, entertainment, holiday, petrol and others facilities.

Is the purchase amount instantly deducted from account?

Yes, the purchase amount is instantly deducted from the Card holder’s account.

Can I transfer funds between my own accounts via Soneri Debit Master Card?

Yes, you can transfer funds using your Soneri Debit Master Card via ATM.

Is there any daily limit for number of transactions performing on POS or ATM?

There is no limit on number of transactions performing on POS or ATM.

Can I transfer funds via Soneri Debit Master Card between my own accounts?

Yes, you can transfer funds between your own accounts via ATM and Internet Banking.

Can I transfer funds to anyone via Soneri Debit Master Card?

Yes, you can transfer funds via ATM and Internet Banking (only 1-Link Member Bank Accounts).

Schedule of Charges

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