Get a MasterCard Credit Card on Your Own Terms and Credit Limit in Seconds!

Most Pakistanis are by default not qualified to get a credit card in Pakistan. They (read: banks) tell the commoners that an individual must have a salaried job, a sizable income, an office address, a verifiable home address and what not to get a credit card.

Pakistan is full of freelancers, small business owners and people located in places where TCS or bank verification teams can not reach, and all of them can only dream about having a credit card despite having legitimate use for it.

And this is exactly why the credit card penetration in Pakistan stands at a pathetic 0.01%.

This is changing today.

Easypaisa is now allowing its mobile app users to create MasterCard credit cards within seconds.

You just go to the Easypaisa Mobile App -> Click on Credit Cards -> Select your Validity Date, Spending Limit and that is it.

You will get a credit card in less than 10 seconds which you can use anywhere online, On AliExpress, Daraz or with Careem.

This virtual credit card can be used for any sort of transaction online or offline (where physical cards are not required for swiping) and payment will be made from your Easypaisa account.

While its real-life usages are endless, Easypaisa has made the product immensely useful; check its below features.

Salient Features:

  • You can create your own credit card within 10 seconds
  • You can set your own expiry date and spending limit
  • You can create unlimited number of cards (maximum two at a time) with different expiry dates and spending limits
  • You can pause a card, i.e. to freeze it temporarily
  • You can delete any card within 2 seconds
  • There are no charges for creating a card, you will be charged from your Easypaisa account only when you will use the card for any payments online
  •  Charges:
    • There are no fees for creating a card, deleting it or keeping it active
    • You will be charged only when there will be a payment made online
    • Easypaisa says that they won’t charge currency exchange fee (usually 2.5 to 3.5%)


Technically and by definition, the above solution is a prepaid virtual debit card. We used the word credit card because it can be used online.

Considering that a lot of Pakistanis who think that basic difference between debit and credit card (other than prepaid and postpaid) is that credit cards can be used online while debit cards can’t.

Just to clear some air, this is a MasterCard and Easypaisa Powered Virtual Debit Card.

Create MasterCard Credit Card of Your Own

For this you need to have an Easypaisa account, a limitation that can be overcome very easily. Simply get an account and install its mobile app.

Once you have an Easypaisa account and mobile app installed, you will get below screen.

It tells you the account balance, options to do various operations etc on the home screen.

At the bottom right, there’s a button “Virtual Card”, click on it.

Click on “Create Another Card”

Here you select the expiry or the validity of your card. Once selected, click “Next”.

Here you select the spending limit of your choice. So for instance if you want to use this card for Netflix payments, you can set your limit at Rs. 1,000 per month to make sure that nothing is deducted beyond your expectation.

Select your limit and click “next” to get your card up and ready for usage over internet.

It will take just couple of seconds, and here you go:

You can flip the card to see CCV code.

There are “Pause” and “Deactivate/Delete” buttons available on the card that you can use to temporarily deactivate your card or to permanently delete them.

Note: Due to security reasons, the app does not allow users to take screenshots. 

Tech reporter with over 10 years of experience, founder of ProPakistani.PK