I'm also having a T-zone combination skin on my face. I've not yet tried any natural skin care pack. The only products that I'm using now are a moisturizer for combination skin and a skin cleanser that was recommended to me by my skin specialists. Natural skin care packs are also good and I'm also trying to find a good one suitable for my skin.
Mash the papaya and add a small amount of milk to turn it all into a thick paste. Then gently apply it to your face and wait for it to dry. After 10-15 mins rinse off your face and continue with your everyday skincare routine.