Note: 10% Card Activation Tax in Addition to these charges is deducted from your account.
For Warid it is deducted when you make the call, for others it is deducted when you when you activate the card. For example, "Warid Telecom" warid to warid Air Time is Rs. 2.0 adding govt Tax makes it Rs. 2.30 and Card Activation Charges Make it 2.54. Similarly for Ufone Air time is 2.50 Adding Taxes Make it 2.88 . But additional Tax is deducted when you buy the card. For Ufone Rs.500/- Card will give you Rs. 454/- Credit. So effectively costing you Rs. 3.17 Per call. But Warid Rs. 500/- Card will give you Rs. 500/- Credits .
Same is for Other Networks and SMS Charges.