Carrying cash is advisable, as card acceptance is limited outside major hotels and shopping centers.
City payments
In cities such as Islamabad and Lahore, larger restaurants and hotels may accept cards, but many smaller businesses operate on a cash basis.
Northern regions
In northern towns like Hunza or Skardu, card facilities can be inconsistent, and ATMs may occasionally be out of service.
Practical tip
Keeping a mix of smaller denomination notes helps with local transport, markets, and rural stops.