EOBI Smart Card Guide 2026: How to Apply, Activate, and Use Easily

The Employees’ Old-Age Benefits Institution (EOBI) has introduced the EOBI Smart Card, an essential tool for pensioners to receive their monthly pension payments securely and efficiently. This card, also known as the Pensioner Information Card (PIC), serves as an identity document for insured employees and pensioners, enabling them to access their pensions through ATMs across Pakistan. Here’s everything you need to know about applying for, activating, and using your EOBI Smart Card in 2026.

What is the EOBI Smart Card?

The EOBI Smart Card is designed to streamline the pension disbursement process for pensioners under EOBI. It acts as an official identity card for beneficiaries, linked with biometric verification to ensure security. After a partnership with Bank Alfalah and National Bank of Pakistan (NBP), the card can now be used for easy and secure pension withdrawals from ATMs and partner bank branches.

Eligibility for EOBI Smart Card

To be eligible for the EOBI Smart Card, individuals must meet certain criteria:

• Registered EOBI employees whose employers have submitted PR-02 registration

• Retired employees whose pension claims are approved

• Existing pensioners who need a replacement card

How to Apply for EOBI Smart Card in 2026

For Active Employees:

1. Employer Verification: Your employer must verify your registration on the EOBI portal using the PR-02 form.

2. Data Synchronization: Once verified, your data is shared with the partner bank for card processing.

3. Card Delivery: After processing, the card is printed and delivered to your employer’s registered office within 15–30 working days.

For Pensioners:

1. Pension Claim Approval: After retirement, EOBI issues a Pension Book or digital pension certificate.

2. Visit Partner Bank: Go to a branch of Bank Alfalah or NBP with your CNIC and pension documents.

3. Biometric Enrollment: Your fingerprints are captured and linked to your EOBI pension wallet for secure access.

EOBI Smart Card Activation Process (2026)

Before using the EOBI Smart Card, it must be activated. There are two activation methods:

1. Activation via Helpline:

• Call the Bank Alfalah EOBI Helpline: (021) 111-225-229.

• Select your language and choose “EOBI Card Activation.”

• Provide your CNIC, 16-digit card number, and answer security questions.

• Set your 4-digit ATM PIN, and the card is activated instantly.

2. Activation via ATM:

• Insert your card into a Bank Alfalah or NBP ATM.

• Select “Generate PIN / Activate Card.”

• Enter the OTP sent to your registered mobile number and 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. You can use it for:

• ATM Withdrawals: Use it at any 1-Link ATM in Pakistan.
• Balance Inquiries: Available via ATM or mobile banking apps.
• No Minimum Balance: The card doesn’t require a minimum balance, though small fees may apply for non-partner ATM withdrawals.

Mandatory Biometric Verification

To ensure pension continuity, biometric verification is mandatory every six months for all EOBI pensioners. You must verify your identity during March and September of each year. Verification can be done at any partner bank branch or via the EOBI mobile app (if facial recognition is supported).

Failure to complete biometric verification will result in a temporary suspension of your pension.

Lost, Stolen, or Damaged EOBI Card?

If your EOBI Smart Card is lost or damaged:

1. Block the Card: Call the bank helpline immediately.

2. Visit EOBI Regional Office: Fill out a card replacement form.

3. Pay a Replacement Fee: Approx. PKR 500–1,000.

4. Collect New Card: The replacement card will be issued within 10–14 working days.

Common EOBI Smart Card Issues & Solutions

Here are some common issues you might face with the EOBI Smart Card and their solutions:

Frequently Asked Questions (FAQs)

• What is the EOBI Smart Card used for?
  The card is used to withdraw monthly pension payments and verify the 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, though using Bank Alfalah or NBP ATMs avoids extra fees.

• How often is biometric verification required?
  Biometric verification is required every 6 months to ensure Proof of Life.

• What happens if I miss biometric verification?
  Your pension may be temporarily suspended until verification is completed.

• Is there an EOBI mobile app for biometric verification?
  Yes, the EOBI mobile app supports biometric verification for eligible devices.