Digital banking
Master Debit Card Golden & Red
We're excited to offer you the Master Debit Card (Golden and Red) – a Mastercard-branded card that provides easy access to your account, wherever you are, whenever you need it.
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Benefits of Using the GB Master Debit Card (Golden & Red)
Your GB Master Debit Card offers a range of features for easy access to your account, including:
- Withdraw cash from local ATMs within the country.
- Withdraw cash from ATMs abroad.
- Purchases at Merchants: Pay for purchases at merchant locations via POS terminals worldwide.
- Shop online at any website that accepts Mastercard.
- Check your balance and transaction history anytime.
- Print a mini statement of your account activity.
- Change your PIN at any time for added security.
- Shariah Compliant
- EMV/NFC enabled
- 3D Secure/OTP for secure online payment
- PIN for POS and ATM transactions
Transaction Limits and Thresholds
- To help you manage your card usage, we’ve set limits for different types of transactions. Please refer to the table below for more details.
| Transaction Type | Number of Transactions Allowed Per Day | Total Amount Limit Per Day | Card Type |
|---|---|---|---|
| Cash Withdrawal | 10 | USD 2,000 | Golden |
| Single Transaction Limit | N/A | USD 400 | Golden |
| Retail/Purchase | 15 | USD 7,000 | Golden |
| Transaction Type | Number of Transactions Allowed Per Day | Total Amount Limit Per Day | Card Type |
|---|---|---|---|
| Cash Withdrawal | 10 | USD 1,000 | Red |
| Single Transaction Limit | N/A | USD 400 | Red |
| Retail/Purchase | 15 | USD 5,000 | Red |
Schedule of Charges
| A | Card Maintenance Charges | New Charges Per Event |
|---|---|---|
| 1 | New Main/Supplementary Card Issuance and Renewal on Expiry | Free |
| 2 | Annual Charges /Card Reissuance/Replacement /Card Cancellation | Red Card: USD 15/Equivalent in AFN Gold Card: USD 20/Equivalent in AFN |
| 3 | PIN Re-Issuance | Gold & Red: USD 2/Equivalent in AFN |
| 4 | Card Account Change and Addition / Email and Mobile Number Amendment | Free |
| B | Financial Transaction Charges | Charges Per Transaction |
| 1 | Cash Withdrawal from Ghazanfar Bank ATM | AFN 15/Equivalent in USD |
| 2 | Cash Withdrawal from Non-Ghazanfar Bank ATM (Local CSC Network) | USD 2/Equivalent in AFN |
| 3 | Withdrawal from Non-Ghazanfar Bank ATM (Local Non-CSC Network) | USD 3/Equivalent in AFN |
| 4 | Withdrawal Abroad (International) | USD 8/Equivalent in AFN |
| 5 | POS Counter Cash Withdrawal/Cash-out | USD 8/ Equivalent in AFN |
| 6 | Purchase (POS & Online) | 1.5% with a minimum of $1.00 or Equivalent in AFN |
| 7 | Forex Converstion Fee: For any cross-currency transactions the Forex Markup fee of 4.5% of the transaction amount will be applied in addition and above to the exchange rate applied by the MasterCard. | 4.5% Markup of the Transaction Amount |
| 8 | Dynamic Currency Conversion/DCC Fee: When a transaction is performed abroad in a currency other than the country's local currency. For example, the USD card is used in Canada for USD withdrawals instead of CAD currency. In this case, DCC will apply instead of Forex Markup Fee. | 4.5% Markup of the Transaction Amount |
| C | Non-Financial Transaction Charges | Charges Per Transaction |
| 1 | Balance Inquiry from Ghazanfar Bank ATM | Free |
| 2 | Balance Inquiry from Non-Ghazanfar Bank ATM (Local CSC Network) | USD 0.20/Equivalent in AFN |
| 3 | Balance Inquiry from Other ATMs (Local and Abroad) | USD 0.75/Equivalent in AFN |
| 4 | Financial Declined Transaction in Ghazanfar Bank ATM | Free |
| 5 | Financial Declined Transaction in Non-Ghazanfar Bank ATM (Local CSC Network) | USD 0.20/Equivalent in AFN |
| 6 | Financial Declined Transaction in Other ATMs (Local and Abroad) | USD 0.75/Equivalent in AFN |
Important Notice
When you receive your Master Debit Card, a personal identification number (PIN) will be sent to your registered mobile number. Please treat this PIN as highly confidential.
For added security, we strongly recommend that you change your initial PIN at any Ghazanfar Bank ATM immediately after activating your card.
Remember:
- Your PIN should be memorized and must not be shared with anyone.
- Protecting your PIN ensures the safety and security of both your card and account.
- You can change the default PIN before traveling overseas with your card, or you can continue using the same PIN.
How to Get a Master Debit Card
To apply for a GB Master Debit Card, you need to have a savings, current, or salary account with Ghazanfar Bank. If you’re already a client, simply visit any of our branches, and our staff will assist you in filling out the application form and gathering the necessary documents.
What to Do if You Lose Your Card?
- If you lose your card, please take the following steps as soon as possible:
- Log in to your Internet Banking account and deactivate your card. If you do not have access to Internet Banking, report the loss at your nearest Ghazanfar Bank branch or call +93 792 214 214 to report the loss and request that your card be blocked.
- Complete the Process: At the branch, fill out the necessary forms to finalize the card block and apply for a replacement.
Important Note: Calling the helpline will temporarily block your card. However, you must visit the branch to complete the formalities and obtain a new card.
Important Guidelines for Using Your Card
To ensure the safety and proper use of your card, please follow these important guidelines:
- Only use your card when you have enough funds in your account to cover the transaction.
- The card is non-transferable and should only be used by the cardholder.
- Never share your personal identification number (PIN) with anyone. Keep it confidential to protect your card from unauthorized use.
- If your card is lost or stolen, notify Ghazanfar Bank immediately to prevent any unauthorized transactions.
Contact Us
If you encounter any issues related to your debit card or need assistance, please contact us through the following channels:
- Visit: Your nearest Ghazanfar Bank branch.
- Phone: +93 792 214 214
- Phone: 2020
- Email: [email protected]
Local AfPay Debit Cards
Ghazanfar Bank is excited to introduce the AfPay Debit Card, empowered by the Afghanistan Payment System (APS) – the national e-card scheme of Afghanistan.
The AfPay Debit Card offers convenient access to your account with lower transaction fees, making it an efficient and cost-effective choice for your banking needs. It is accepted not only at Ghazanfar Bank ATMs and POS but also at ATMs and POS Terminals of other banks across the country.
Key Benefits of Using the AfPay Debit Card
Ghazanfar Bank AfPay Debit Card offers a range of features for easy access to your account, including:
- Withdraw cash from all local ATMs within the country.
- Pay for purchases with lower fees at merchant locations via POS terminals within the country.
- Conduct cash-out transactions at any POS within the country.
- Card-to-Wallet/Wallet-to-Card: Link your AfPay debit card to your local e-Wallet and perform Card-to-Wallet and Wallet-to-Card transactions.
- Check your account balance anytime.
Transaction Limits and Thresholds
To help you manage your card usage, we’ve set limits for different types of transactions. Please refer to the table below for more details.
| Transaction Type | Number of Transactions Allowed (Daily) | Total Amount Limit Per Month |
|---|---|---|
| Cash Withdrawal | 5 | AFN 1,000,000 |
Schedule of Charges
| A | Non-Financial Transaction Charges | Charges Per Event |
|---|---|---|
| 1 | New Card Issuance and Renewal on Expiry | Free |
| 2 | Annual Charges /Card Reissuance/Replacement /Card Cancellation | AFN 200/Equivalent in USD |
| 3 | PIN Re-Issuance | AFN 150/Equivalent in USD |
| 4 | Card Account Change and Addition / Email and Mobile Number Amendment | Free |
| 1 | Balance Inquiry from Ghazanfar Bank ATM | Free |
| 2 | Balance Inquiry from Non-Ghazanfar Bank ATM | 2 AFN /Equivalent in USD |
| For Ghazanfar Bank staff, the issuance fee, annual fee, cancelation fee, PIN re-issuance fee, and on-us ATM withdrawal fee for the AfPay debit card are waived. However, all other applicable transaction-related charges, will be applied in accordance with the Bank's and APS prevailing SoC. | ||
| B | Financial Transaction Charges | Charges Per Transaction |
| 1 | Cash Withdrawal from Ghazanfar Bank ATM | Gov. Staff Payroll A/Cs: AFN 5/Equivalent in USD Other A/Cs: Free |
| 2 | Cash Withdrawal from Non-Ghazanfar Bank ATM | 20 AFN /Equivalent in USD |
| 5 | POS Counter Cash Withdrawal/Cash-out | 60 AFN /Equivalent in USD |
Important Notice
When you receive your AfPay Debit Card and a personal identification number (PIN) from any branch of Ghazanfar Bank. Please treat this PIN as highly confidential.
Your PIN should be memorized and must not be shared with anyone.
Protecting your PIN ensures the safety and security of both your card and account.
Using Your Card for the First Time?
- Collect your card from the branch.
- Allow 24 to 48 hours for your card to be activated.
- You can use your card at any Ghazanfar Bank ATM/POS or other banks ATMs/POS Terminals.
How to Get a GB AfPay Debit Card
To apply for an AfPay Debit Card, you need to have a savings, current, or salary account with Ghazanfar Bank. If you’re already a client, simply visit any of our branches, and our staff will assist you in filling out the application form and gathering the necessary documents. You will receive your AfPay Debit card instantly at the branch—no need to wait for delivery.
What to Do if You Lose Your Card?
If you lose your card, please take the following steps as soon as possible:
- Log in to your Internet Banking account and deactivate your card. If you do not have access to Internet Banking, report the loss at your nearest Ghazanfar Bank branch or call +93 792 214 214 to report the loss and request that your card be blocked.
- Complete the Process: At the branch, fill out the necessary forms to finalize the card block and apply for a replacement.
Important Guidelines for Using Your Card
To ensure the safety and proper use of your card, please follow these important guidelines:
- Sufficient Funds: Only use your card when you have enough funds in your account to cover the transaction.
- Personal Use Only: The card is non-transferable and should only be used by the cardholder.
- PIN Security: Never share your personal identification number (PIN) with anyone. Keep it confidential to protect your card from unauthorized use.
- Lost or Stolen Card: If your card is lost or stolen, notify Ghazanfar Bank immediately to prevent any unauthorized transactions.
GB Online
Internet Banking:
Our Internet Banking service offers you easy access to your accounts from any device—whether it's a PC, laptop, tablet, or mobile phone—anytime, anywhere. This cutting-edge solution delivers a personalized and secure banking experience, designed to meet your needs in today’s fast-paced digital world.
- Online Account InformationCustomized Statement Generation
- Internal Fund transfer within Ghazanfar BankScheduling Future Transfers
- Cards & Cheque Book Request & BlockingCard blocking in case of lost cards
