EOBI Smart Card Guide. Wondering how to apply for the EOBI Smart Card in 2026 and use it without issues?
This updated guide explains the application, activation, usage, and troubleshooting process in simple terms so you can receive your pension smoothly and on time.
What Is the EOBI Smart Card? (PIC Card Explained)
The EOBI Smart Card, officially known as the Pensioner Information Card (PIC), is the primary identity document for insured employees and pensioners under the Employees’ Old-Age Benefits Institution (EOBI) of Pakistan.
Why the EOBI Smart Card Is Important
- Acts as your official EOBI identity
- Enables monthly pension withdrawal
- Works at ATMs across Pakistan
- Linked with biometric verification for security
After the 2026 digital transformation, EOBI partnered with Bank Alfalah and National Bank of Pakistan (NBP) to streamline card issuance and pension disbursement.
Who Is Eligible for an EOBI Smart Card?
You can apply for an EOBI Smart Card if:
- You are a registered EOBI employee
- Your employer has submitted PR-02 registration
- You have retired and your pension claim is approved
- You are an existing pensioner needing a replacement card
How to Apply for an EOBI Smart Card in 2026
For Active Employees
Step 1: Employer Verification
Your employer must log in to the EOBI online portal and confirm your registration through the PR-02 form.
Step 2: Data Synchronization
Once approved, your employment data is automatically shared with the partner bank for smart card processing.
Step 3: Card Delivery
- Card is printed by the bank
- Delivered to the employer’s registered office
- Timeline: 15–30 working days
For Pensioners (After Retirement)
Step 1: Pension Claim Approval
After retirement, EOBI issues a Pension Book or a digital pension certificate.
Step 2: Visit Partner Bank
Visit a designated branch of:
- Bank Alfalah, or
- National Bank of Pakistan (NBP)
Bring:
- Original CNIC
- Pension documents
Step 3: Biometric Enrollment
Your fingerprints are captured and linked with your EOBI pension wallet.
EOBI Smart Card Activation Process (2026 Updated)
You cannot use the card until activation is completed.
Method 1: Activation via Helpline (Fastest)
- Call Bank Alfalah EOBI Helpline: (021) 111-225-229
- Select your language
- Choose “EOBI Card Activation”
- Provide:
- CNIC number
- 16-digit card number
- Answer security questions
- Set your 4-digit ATM PIN
Card activated instantly
Method 2: Activation via ATM
- Insert your card into a Bank Alfalah or NBP ATM
- Select “Generate PIN / Activate Card”
- Enter OTP sent to your registered mobile number
- Set a new PIN
How to Use Your EOBI Smart Card
The EOBI Smart Card functions like a restricted debit card, linked only to your pension funds.
Key Features
| Feature | Details |
|---|---|
| ATM Withdrawals | Any 1-Link ATM in Pakistan |
| Balance Inquiry | ATM or bank mobile app |
| Minimum Balance | No minimum balance required |
| Fees | Small fee on non-partner ATMs |
Tip: Use Bank Alfalah or NBP ATMs to avoid extra charges.
Biometric Verification (Proof of Life – Mandatory in 2026)
To keep receiving your pension, biometric verification every 6 months is mandatory.
Verification Schedule
- March
- September
Where to Verify
- Any partner bank branch
- EOBI Mobile App (if device supports facial biometrics)
Failure to verify may result in temporary pension suspension.
Lost, Stolen, or Damaged EOBI Card? (Replacement Guide)
Step 1: Block the Card Immediately
Call the bank helpline to prevent unauthorized withdrawals.
Step 2: Visit EOBI Regional Office
Fill out the Card Replacement Form.
Step 3: Pay Replacement Fee
- Approx. PKR 500–1,000
Step 4: Collect New Card
Issued within 10–14 working days.
Common EOBI Smart Card Problems & Solutions
| Issue | Solution |
|---|---|
| Card captured by ATM | Visit the ATM’s branch with CNIC |
| “Invalid Card” error | Biometric verification expired |
| Forgot ATM PIN | Reset via helpline |
| Pension not credited | Contact EOBI regional office |
FAQs
What is the EOBI Smart Card used for?
The EOBI Smart Card is used to withdraw monthly pension payments and verify a pensioner’s identity through biometric authentication.
Can I use my EOBI card at any ATM in Pakistan?
Yes, you can use it at any 1-Link ATM, but partner bank ATMs are recommended.
How often is biometric verification required?
Every 6 months to ensure Proof of Life.
What happens if I miss biometric verification?
Your pension may be temporarily stopped until verification is completed.
Is there an EOBI mobile app for biometric verification?
Yes, EOBI offers a mobile app for eligible devices.
Conclusion
The EOBI Smart Card 2026 has made pension access simpler, safer, and faster for millions of workers and retirees in Pakistan. By following the correct application, activation, and biometric verification process, you can ensure uninterrupted pension payments.
