Comprehensive Global Cards Portal • 2026 Edition

Best Bank Cards in Pakistan, USA & UK

Explore, compare, and filter 110+ top-tier Credit & Debit cards by country, bank, annual fees, reward rates, airport lounge access, and sign-up bonuses.

3 Countries (PK • US • UK)
33+ Financial Institutions
100+ Curated Cards
100% Unbiased & Free
Filter Category:
🇵🇰

Pakistan Bank Cards

Premier Credit & Debit Cards from Pakistan's Leading Commercial & Islamic Banks

Currency: PKR (Rs. )
Banks Directory

Explore by Bank 33 Banks

Click on any bank below to view its available credit and debit cards, annual fee waivers, and exclusive privileges.

HBL
14 Cards

Habib Bank Limited (HBL)

Karachi, Pakistan

MEEZAN
9 Cards

Meezan Bank

Karachi, Pakistan

ALFALAH
12 Cards

Bank Alfalah

Karachi, Pakistan

SCB
1 Card

Standard Chartered Pakistan

Karachi, Pakistan

MCB
1 Card

MCB Bank

Lahore, Pakistan

UBL
16 Cards

United Bank Limited (UBL)

Karachi, Pakistan

FAYSAL
1 Card

Faysal Bank

Karachi, Pakistan

ALBARAKA
2 Cards

AlBaraka Bank (Pakistan) Limited

Karachi, Pakistan

ABL
2 Cards

Allied Bank Limited (ABL)

Lahore, Pakistan

ASKARI
1 Card

Askari Bank Limited

Rawalpindi, Pakistan

BAHL
6 Cards

Bank AL Habib Limited

Karachi, Pakistan

BOK
1 Card

The Bank of Khyber

Peshawar, Pakistan

BOP
10 Cards

The Bank of Punjab

Lahore, Pakistan

ISLAMI
1 Card

BankIslami Pakistan Limited

Karachi, Pakistan

CITI
1 Card

Citibank N.A. (Pakistan)

Karachi, Pakistan

DB
1 Card

Deutsche Bank AG (Pakistan)

Karachi, Pakistan

DIB
1 Card

Dubai Islamic Bank Pakistan Limited

Karachi, Pakistan

FWBL
1 Card

First Women Bank Limited

Karachi, Pakistan

METRO
1 Card

Habib Metropolitan Bank Limited

Karachi, Pakistan

ICBC
1 Card

Industrial and Commercial Bank of China Limited (ICBC Pakistan)

Karachi & Islamabad, Pakistan

IDBP
1 Card

Industrial Development Bank of Pakistan (IDBP / IDBL)

Karachi, Pakistan

JS BANK
1 Card

JS Bank Limited

Karachi, Pakistan

MCB ISLAMIC
1 Card

MCB Islamic Bank Limited

Lahore, Pakistan

NBP
1 Card

National Bank of Pakistan

Karachi, Pakistan

PPCBL
1 Card

Punjab Provincial Cooperative Bank Ltd.

Lahore, Pakistan

SAMBA
1 Card

Samba Bank Limited

Karachi, Pakistan

SINDH BANK
1 Card

Sindh Bank Limited

Karachi, Pakistan

EASYPAISA
2 Cards

Easypaisa Bank Limited (Telenor Microfinance Bank)

Islamabad, Pakistan

SME
1 Card

SME Bank Limited

Islamabad, Pakistan

SONERI
1 Card

Soneri Bank Limited

Lahore, Pakistan

BML
1 Card

Bank Makramah Limited (formerly Summit Bank)

Karachi, Pakistan

MUFG
1 Card

The Bank of Tokyo-Mitsubishi UFJ Ltd. (MUFG Bank Pakistan)

Karachi, Pakistan

ZTBL
1 Card

Zarai Taraqiati Bank Ltd. (ZTBL)

Islamabad, Pakistan

HBL

Pakistan's largest commercial bank with an extensive card rewards program, premier CIP lounge access, and nationwide lifestyle dining discounts.

HBL
Premium & Luxury
•••• •••• •••• 4999
VALID THRU 12/29
HBL Infinite CreditCard
VISA
Elite Luxury & Unlimited Lounges Credit Card 🛡️ 0% Foreign FX ✈️ Airport Lounge

HBL Infinite CreditCard

HBL's most prestigious credit card, offering unlimited global airport lounge access via Visa Airport Companion, 24/7 bespoke concierge, 5X rewards abroad, and high credit limits.

Annual Fee PKR 25,000 / year (Waived on PKR 250k spend)
Reward / Cashback 5x Reward Points on International & Luxury Spend
Interest / APR KIBOR + 13% p.a.
Foreign FX Fee 3.0% + SBP Advance Tax
Core Card Perks & Highlights:
  • Unlimited Worldwide Lounges: Free access to 1,200+ airport lounges worldwide via Visa Airport Companion app.
  • 24/7 Visa Infinite Concierge: Priority dining reservations, travel itineraries, and VIP ticketing worldwide.
  • 5X International Points: Accelerated reward points earning on foreign travel, luxury retail, and fine dining.
  • USD 1M Travel Insurance: Comprehensive international travel accident, baggage delay, and medical assistance.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Unlimited Worldwide Lounges via Visa Airport Companion + CIP Domestic

0% Installments / Financing:

HBL Shop Now Pay Later (0% Markup up to 36 months)

Eligibility / Credit Score:

High-Net-Worth / Monthly Income: PKR 300,000+

Welcome Offer:

10,000 Bonus Points + Complimentary Golf Voucher

Pros: + Unlimited global airport lounge access + 5x reward points multiplier abroad + 0% markup installment plans up to 36 months
HBL
Premium & Luxury
•••• •••• •••• 4129
VALID THRU 12/29
HBL Platinum Credit Card
VISA
Editor's Choice Pakistan Credit Card ✈️ Airport Lounge

HBL Platinum Credit Card

Pakistan's premier travel and lifestyle credit card offering complimentary domestic CIP lounges, international airport lounge passes, and extensive GetMore dining discounts.

Annual Fee PKR 12,000 (Waived on PKR 150k spend)
Reward / Cashback 3x Reward Points on International & Dining
Interest / APR KIBOR + 14% p.a.
Foreign FX Fee 3.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • Complimentary CIP & Global Lounges: Complimentary access to domestic CIP lounges plus 6 global visits via Visa Airport Companion.
  • Triple Reward Points: 3x points on all international spends and fine dining nationwide.
  • Up to 30% Off Dining: Exclusive GetMore discounts at over 500 partner restaurants across Pakistan.
  • Complimentary Travel Insurance: Up to USD 100,000 in travel accident and flight delay coverage.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Complimentary CIP Lounges (KHI, LHE, ISB) + 6 International Visits via Visa Airport Companion

0% Installments / Financing:

HBL Shop Now Pay Later: 0% Markup up to 12 months

Eligibility / Credit Score:

Min Monthly Income: PKR 150,000

Welcome Offer:

5,000 Bonus Reward Points on Activation

Pros: + Top airport lounge access in Pakistan and abroad + Robust nationwide dining discounts + Accessible spend waiver threshold
HBL
Cashback & Rewards
•••• •••• •••• 4821
VALID THRU 12/29
HBL Gold Credit Card
VISA
Best Everyday Value Credit Card ✈️ Airport Lounge

HBL Gold Credit Card

Accessible premium card with substantial dining discounts, flexible 0% installment plans, and generous point redemption across leading retailers.

Annual Fee PKR 6,000 (Waived on PKR 60k spend)
Reward / Cashback 1.5% Cashback equivalent in Reward Points
Interest / APR KIBOR + 15% p.a.
Foreign FX Fee 3.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • Up to 25% Off Partner Outlets: Substantial dining, apparel, and lifestyle discounts across Pakistan.
  • HBL EasyInstallments: Convert purchases above PKR 3,000 into 0% markup installments for up to 12 months.
  • Fuel Surcharge Rebate: 1% cash rebate on all fuel purchases at licensed service stations.
  • Tap & Pay Contactless: Quick contactless payments for daily transactions without entering PIN under threshold.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Domestic CIP Lounges on select ticket classes

0% Installments / Financing:

HBL EasyInstallments: 0% Markup on purchases above PKR 3,000

Eligibility / Credit Score:

Min Monthly Income: PKR 60,000

Welcome Offer:

2,500 Bonus Points upon first swipe

Pros: + Low income threshold for salaried professionals + Frequent retail & dining promotions + 0% markup installment plans
HBL
No Annual Fee / Low Fee
•••• •••• •••• 4203
VALID THRU 12/29
HBL Green CreditCard
VISA
Everyday Retail Credit Credit Card

HBL Green CreditCard

HBL's classic green card offering convenient revolving credit, emergency cash transfer, phone banking, and 0% markup installment plans.

Annual Fee PKR 3,500 / year (Waived on PKR 35k spend)
Reward / Cashback 1 Point / PKR 100 spent
Interest / APR KIBOR + 15% p.a.
Foreign FX Fee 3.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • Everyday Revolving Credit: Affordable credit line for shopping, grocery runs, and bill payments.
  • Shop Now Pay Later: Convert purchases of PKR 3,000+ into equal monthly installments up to 36 months.
  • Cash Transfer Facility: Transfer credit line funds directly into any HBL bank account via phone banking.
  • 3D Secure Protection: Verified by Visa two-factor authentication on all online shopping transactions.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Standard Access

0% Installments / Financing:

HBL Shop Now Pay Later (LIP)

Eligibility / Credit Score:

Min Monthly Income: PKR 35,000

Welcome Offer:

1,000 Welcome Reward Points

Pros: + Accessible income requirement of PKR 35,000 + Shop Now Pay Later installment plans + Cash transfer facility to bank accounts
HBL
Cashback & Rewards
•••• •••• •••• 4318
VALID THRU 12/29
HBL FuelSaver CreditCard
VISA
Up to 5% Fuel Cashback Credit Card

HBL FuelSaver CreditCard

Purpose-built commuter card offering up to 5% cashback on petrol and diesel purchases at all fuel stations across Pakistan, plus 100% fuel surcharge waivers.

Annual Fee PKR 4,000 / year (Waived on PKR 40k spend)
Reward / Cashback Up to 5% Cashback on fuel spend at all fuel pumps across Pakistan
Interest / APR KIBOR + 15% p.a.
Foreign FX Fee 3.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • Up to 5% Nationwide Fuel Cashback: Direct fuel savings at PSO, Shell, Total Parco, Attock, and all Pakistani fuel stations.
  • 100% Fuel Surcharge Waiver: No additional merchant surcharge on any petrol pump transaction nationwide.
  • Automobile Repair Installments: Finance tyres, batteries, and mechanical maintenance via 0% markup installments.
  • Roadside Assistance Hotline: Emergency roadside towing and mechanical support across major motorways.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Standard Access

0% Installments / Financing:

HBL Shop Now Pay Later for Auto Services

Eligibility / Credit Score:

Min Monthly Income: PKR 40,000

Welcome Offer:

PKR 1,000 Free Fuel Cashback Voucher on first swipe

Pros: + Works at ALL fuel stations across Pakistan (not limited to one OMC) + 100% fuel surcharge waiver + Direct monthly cashback on fuel billing
HBL
Women Empowerment
•••• •••• •••• 4452
VALID THRU 12/29
HBL Nisa CreditCard
VISA
Designed for Women Credit Card

HBL Nisa CreditCard

Tailored exclusively for women, offering double reward points on supermarkets, salons, and health diagnostics, paired with complimentary breast cancer screening takaful coverage.

Annual Fee PKR 3,000 / year (50% Off First Year)
Reward / Cashback 2X Points on Health, Salons, Supermarkets & Dining
Interest / APR KIBOR + 14% p.a.
Foreign FX Fee 3.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • Health & Wellness Discounts: Up to 40% off at premier diagnostic labs, wellness clinics, and pharmacies.
  • 2X Points on Retail & Beauty: Accelerated points on apparel boutiques, salons, and grocery purchases.
  • Complimentary Takaful Protection: Coverage for critical female ailments and personal accident protection.
  • HBL Nisa Business Loans: Preferential financing rates for women entrepreneurs and startup owners.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Standard Access

0% Installments / Financing:

HBL Nisa 0% Installment Schemes

Eligibility / Credit Score:

Women Account Holders / Salaried / Business

Welcome Offer:

Curated Lifestyle & Healthcare Vouchers

Pros: + 50% annual fee waiver for female cardholders + Double reward points on healthcare and household purchases + Complimentary female health takaful
HBL
Premium & Luxury
•••• •••• •••• 5412
VALID THRU 12/29
HBL World DebitCard
Complimentary Global Lounges Debit Card 🛡️ 0% Foreign FX ✈️ Airport Lounge

HBL World DebitCard

Premier debit card for high-net-worth customers featuring worldwide airport lounge access via Mastercard Airport Pass, PKR 500,000+ daily POS limits, and comprehensive international travel insurance.

Annual Fee PKR 15,000 / year (Waived for HBL Prestige Clients)
Reward / Cashback 1 Point / PKR 100 spent + Mastercard World Privileges
Interest / APR 0% (Linked Checking/Savings Account)
Foreign FX Fee 3.0% + SBP Advance Tax
Core Card Perks & Highlights:
  • Worldwide Airport Lounge Access: Complimentary access to over 1,000 airport lounges globally via Mastercard Airport Pass.
  • PKR 500k+ Daily POS Limits: Substantial purchasing power for retail shopping, luxury hospitality, and travel.
  • Global Travel & Health Insurance: Medical and travel emergency insurance coverage up to USD 500,000 abroad.
  • Mastercard World Concierge: 24/7 global concierge service for reservations, flight bookings, and event tickets.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Unlimited Global Lounges via Mastercard Airport Pass app + Domestic CIP Lounges

0% Installments / Financing:

Debit Card Installments

Eligibility / Credit Score:

HBL Prestige or Priority Account Holder

Welcome Offer:

Mastercard Airport Pass + Worldwide Travel Insurance

Pros: + Complimentary worldwide airport lounges on a debit card + Substantial ATM and POS limits + Exclusive HBL Prestige banking privileges
HBL
Everyday Spending
•••• •••• •••• 5208
VALID THRU 12/29
HBL Gold DebitCard
GetMore Dining & Retail Deals Debit Card ✈️ Airport Lounge

HBL Gold DebitCard

HBL's most popular lifestyle debit card featuring PKR 100,000 daily ATM withdrawals, PKR 250,000 daily POS limits, and hundreds of GetMore dining and apparel discounts.

Annual Fee PKR 3,500 / year
Reward / Cashback 1 Point / PKR 100 spent
Interest / APR 0% (Linked Account)
Foreign FX Fee 3.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • PKR 100,000 Daily ATM Limit: High cash availability at over 2,000 HBL ATMs across Pakistan.
  • GetMore Dining & Shopping: Up to 30% discount at partner restaurants, fashion outlets, and supermarkets.
  • EMV Chip & Contactless Tap: Tap-and-pay NFC capability for fast and hygienic checkouts.
  • HBL Mobile App Controls: Instantly toggle international usage, set daily limits, or block card.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Domestic Lounges on Select Flights

0% Installments / Financing:

No

Eligibility / Credit Score:

Any HBL Checking / Savings Account

Welcome Offer:

GetMore Partner Welcome Vouchers

Pros: + Widely accepted at POS terminals nationwide and overseas + Substantial GetMore dining deals + Full card security controls on HBL Mobile
HBL
Business & Corporate
•••• •••• •••• 4719
VALID THRU 12/29
HBL Visa USD DebitCard
VISA
Direct USD Foreign Currency Spend Debit Card 🛡️ 0% Foreign FX ✈️ Airport Lounge

HBL Visa USD DebitCard

USD-denominated debit card linked directly to HBL Foreign Currency accounts. Eliminates cross-currency conversion spreads when shopping online or traveling overseas.

Annual Fee USD 20 / year
Reward / Cashback Commercial Rebates on Global Tech & Travel
Interest / APR 0% (Linked Foreign Currency Account)
Foreign FX Fee 0% on Direct USD Spending
Core Card Perks & Highlights:
  • 0% Currency Spread on USD: Spend in US Dollars without losing 3-5% on foreign exchange spreads.
  • Online SaaS & Cloud Subscriptions: Pay AWS, Microsoft Azure, Google Workspace, and Zoom with zero friction.
  • Global Cash Withdrawals: Withdraw local currency at ATMs across 200+ countries at wholesale interbank rates.
  • 3D Secure Verified by Visa: Protected by dynamic OTP verification on foreign merchant portals.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

CIP Domestic and Regional Lounges

0% Installments / Financing:

No

Eligibility / Credit Score:

HBL USD Foreign Currency Account Holder

Welcome Offer:

Zero FX Conversion Fees

Pros: + 0% currency conversion markup on direct USD spending + Directly linked to USD foreign currency accounts + Frictionless international payments for tech and travel
HBL
Business & Corporate
•••• •••• •••• 5520
VALID THRU 12/29
HBL World Business DebitCard
Corporate & Enterprise Banking Business Debit Card 🛡️ 0% Foreign FX ✈️ Airport Lounge

HBL World Business DebitCard

Executive business debit card tailored for companies, SMEs, and commercial entities to manage vendor payments, corporate travel, and employee spending.

Annual Fee PKR 10,000 / year
Reward / Cashback Corporate Cashback & Business Rebates
Interest / APR 0% (Linked Corporate Account)
Foreign FX Fee 3.0% + SBP Advance Tax
Core Card Perks & Highlights:
  • Corporate Expense Management: Segregate corporate procurement and business travel from personal accounts.
  • Executive Airport Lounges: Complimentary domestic CIP and regional airport lounge access for corporate officers.
  • PKR 1M Daily Limit Capacity: High limit ceiling for major supplier payments and equipment procurement.
  • Corporate Liability Waiver: Protects business entities against unauthorized employee card misuse.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Mastercard Airport Pass Executive Lounge Network

0% Installments / Financing:

No

Eligibility / Credit Score:

Registered Commercial Business / SME Account

Welcome Offer:

Multi-Employee Sub-Card Provisioning

Pros: + High daily transaction limits for business operations + Airport lounge access for executive travelers + Itemized corporate expense reporting
HBL
Travel & Lounges
•••• •••• •••• 6214
VALID THRU 12/29
HBL UnionPay Co-Badge DebitCard
UNIONPAY
Dual Domestic & Asia Scheme Debit Card 🛡️ 0% Foreign FX

HBL UnionPay Co-Badge DebitCard

Co-badged debit card on UnionPay and 1Link networks, providing reliable domestic cash accessibility and widespread acceptance across China and the Asia-Pacific region.

Annual Fee PKR 2,500 / year
Reward / Cashback 1 Point / PKR 100 spent
Interest / APR 0% (Linked Account)
Foreign FX Fee 3.0% + SBP Advance Tax
Core Card Perks & Highlights:
  • China & East Asia Acceptance: Direct merchant acceptance at millions of POS counters in China and Asia-Pacific.
  • 1Link Interoperability: Works smoothly at every ATM and retail merchant across Pakistan.
  • CPEC Trade Compatibility: Cost-effective settlement for merchants and students traveling along CPEC routes.
  • Dual Interface Chip: EMV chip and magnetic stripe support for global cross-border acceptance.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Standard Access

0% Installments / Financing:

No

Eligibility / Credit Score:

Any HBL Account

Welcome Offer:

UnionPay Global Travel Deals

Pros: + Optimal payment solution for travel in China and Hong Kong + Economical annual card fee + Broad 1Link connectivity
HBL
No Annual Fee / Low Fee
•••• •••• •••• 9502
VALID THRU 12/29
HBL PayPak DebitCard
PAYPAK
Pakistan Sovereign Scheme Domestic Debit Card

HBL PayPak DebitCard

Pakistan's sovereign domestic payment scheme card, offering affordable ATM withdrawals and local point-of-sale retail spending without international fees.

Annual Fee PKR 1,800 / year (Budget Friendly)
Reward / Cashback Domestic Retail Discounts
Interest / APR 0% (Linked Account)
Foreign FX Fee N/A (Domestic Only)
Core Card Perks & Highlights:
  • 100% Domestic Scheme: Keeps transaction data secure in Pakistan with zero international overhead.
  • Lowest Annual Card Fee: HBL's most economical debit card at only PKR 1,800/year.
  • Nationwide 1Link ATMs: Full ATM cash withdrawals and balance checks at over 18,000 ATMs across Pakistan.
  • PIN-Protected EMV Chip: Reliable microchip safeguards against card cloning and fraud.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Standard Access

0% Installments / Financing:

No

Eligibility / Credit Score:

All HBL Account Holders

Welcome Offer:

Basic Account Onboarding

Pros: + Lowest annual fee in the HBL card portfolio + No international currency surcharges + Fast ATM cash withdrawals
HBL
Women Empowerment
•••• •••• •••• 5331
VALID THRU 12/29
HBL Nisa DebitCard
Curated for Women Account Holders Debit Card

HBL Nisa DebitCard

Debit card dedicated to women account holders under the HBL Nisa program, providing substantial discounts at salons, wellness centres, and retail boutiques.

Annual Fee PKR 2,000 / year (Subsidized for Women)
Reward / Cashback Discounts up to 40% at Salons, Apparel & Health Labs
Interest / APR 0% (Linked Nisa Account)
Foreign FX Fee 3.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • Women Lifestyle Discounts: Discounts up to 40% at premier salons, diagnostic labs, boutique fashion, and cafes.
  • Dedicated Nisa Financial Perks: Preferential rates on home, auto, and small business financing under HBL Nisa.
  • Nationwide ATM & POS Access: PKR 75,000 daily ATM limit and PKR 200,000 daily POS shopping ceiling.
  • Contactless NFC & EMV Chip: Fast, secure contactless payments with instant SMS transaction alerts.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Standard Access

0% Installments / Financing:

No

Eligibility / Credit Score:

HBL Nisa Account Holder

Welcome Offer:

Exclusive Merchant Discount Vouchers

Pros: + Curated discounts tailored for female lifestyle & healthcare + Subsidized annual maintenance fee + Direct link to HBL Nisa banking benefits
HBL
Digital & Virtual Prepaid
•••• •••• •••• 9518
VALID THRU 12/29
HBL Konnect Debit / Wallet Card
PAYPAK
Branchless Mobile Wallet Card Prepaid / Virtual Card

HBL Konnect Debit / Wallet Card

Branchless banking card linked directly to the HBL Konnect mobile account. Openable with biometric CNIC verification in minutes without visiting a bank branch.

Annual Fee PKR 1,200 issuance / Low maintenance
Reward / Cashback Cashback on Mobile Top-ups & Utility Bills
Interest / APR 0% (Linked Konnect Mobile Wallet)
Foreign FX Fee N/A (Domestic Wallet Card)
Core Card Perks & Highlights:
  • Instant Branchless Onboarding: Open a mobile account in minutes using just your CNIC and mobile number.
  • ATM Cash Withdrawals: Withdraw wallet funds from any ATM in Pakistan or at over 50,000 Konnect agents.
  • Utility Bills & Mobile Top-ups: Pay bills and buy mobile packages directly from the app or swipe at local stores.
  • Zero Minimum Balance: No balance penalty fees or complex bank paperwork required.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

N/A

0% Installments / Financing:

No

Eligibility / Credit Score:

Any Registered HBL Konnect User

Welcome Offer:

Instant Digital Onboarding on Konnect App

Pros: + No bank branch visit required to open or maintain + Zero minimum balance penalty + Works at all local ATMs and Konnect agent points
MEEZAN

Meezan Bank

Karachi, Pakistan • Official Portal →

The premier Islamic bank in Pakistan, offering 100% Riba-free, Shariah-compliant Visa and Mastercard debit cards with worldwide acceptance and extensive cardholder discounts across 1,500+ restaurants, retail brands, and healthcare labs.

Meezan Bank
Premium & Luxury
•••• •••• •••• 4388
VALID THRU 12/29
Meezan Visa Platinum Debit Card
VISA
Complimentary CIP Lounges & PKR 1M Limit Debit Card 🛡️ 0% Foreign FX ✈️ Airport Lounge 🏷️ Card Discounts

Meezan Visa Platinum Debit Card

Meezan Bank's executive Islamic debit card designed for frequent travelers and high-spending customers. Features complimentary CIP airport lounge access across Pakistan, PKR 200,000 daily ATM limit, up to PKR 1,000,000 daily shopping limit, and discounts up to 40% at over 1,500 partner restaurants, hotels, diagnostic labs, and retail outlets.

Annual Fee PKR 10,000 / year (Waived for Meezan Premium Banking)
Reward / Cashback Meezan Card Discounts (Up to 40% Off Dining, Healthcare & Shopping)
Interest / APR 0% (100% Shariah Compliant - Riba Free)
Foreign FX Fee 3.0% + SBP Advance Tax
Core Card Perks & Highlights:
  • Meezan Card Discounts Portal: Up to 40% off at 1,500+ partner outlets: Dining (PC, Serena, Marriott, Nandos), Retail (J., Almirah), & Labs (Essa, Chughtai) via meezanbank.com/card-discounts/.
  • Complimentary CIP Airport Lounges: Free access to CIP lounges at Karachi (Jinnah Intl), Lahore (Allama Iqbal), Islamabad, Multan, and Sialkot.
  • High Transaction Limits: Up to PKR 200,000 daily ATM cash withdrawal and PKR 1,000,000 daily POS/E-commerce spending threshold.
  • 100% Riba-Free Shariah Certified: Governed by Meezan Bank's Resident Shariah Board under Islamic Ujrah principles.
  • Meezan Dining & Retail Privileges: Exclusive discounts up to 30% at over 1,500 partner restaurants and retail outlets nationwide.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Complimentary CIP Lounge Access at Karachi, Lahore, Islamabad, Multan & Sialkot Airports

0% Installments / Financing:

Meezan Consumer Financing Integration

Eligibility / Credit Score:

Meezan Bank Account Holders (Savings / Current)

Welcome Offer:

Complimentary CIP Lounge Access + Free Cash Snatching Takaful

Pros: + Discounts up to 40% across 1,500+ dining, healthcare & retail alliances + Complimentary CIP airport lounge access across Pakistan + Substantial daily transaction limit (PKR 1 Million POS/E-commerce) + 100% Shariah compliant with pure Halal merchant filtering + Complimentary fee waivers for Meezan Premium Banking customers
Meezan Bank
Zero Annual Fee / Low Fee
•••• •••• •••• 4214
VALID THRU 12/29
Meezan Visa Debit Card
VISA
Worldwide Acceptance & Contactless NFC Debit Card 🛡️ 0% Foreign FX 🏷️ Card Discounts

Meezan Visa Debit Card

Everyday Shariah-compliant Visa debit card with EMV microchip, Contactless NFC Tap & Go, universal acceptance at millions of POS terminals worldwide, and instant access to Meezan Card Discounts across Pakistan.

Annual Fee PKR 3,500 / year (Fee waivers on Meezan Plus Accounts)
Reward / Cashback Meezan Card Discounts (Up to 25% Off Dining & Shopping)
Interest / APR 0% (100% Riba-Free Islamic Banking)
Foreign FX Fee 3.0% + SBP Advance Tax
Core Card Perks & Highlights:
  • Meezan Card Discounts Access: Instant dining & retail discounts up to 25% at partner restaurants, cafes, diagnostic labs, and retail shops nationwide.
  • Everyday Banking Convenience: Seamless 24/7 access to account funds at all Visa ATMs and merchant terminals worldwide.
  • Contactless Tap & Go: Fast, PIN-less tap payments for quick transactions at supermarkets, pharmacies, and fuel pumps.
  • Online 3D Secure (Verified by Visa): Safe online payments with instant SMS OTP validation.
  • Halal Merchant Filters: Automatically restricts transactions at gambling or non-Shariah certified prohibited venues.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Standard Access

0% Installments / Financing:

No

Eligibility / Credit Score:

All Meezan Checking & Savings Account Holders

Welcome Offer:

EMV Microchip Security & 3D Secure Protection

Pros: + Affordable annual fee (PKR 3,500) + Access to 1,500+ merchant discounts via meezanbank.com/card-discounts/ + Global Visa acceptance with zero Riba + Fee waivers available on Meezan Plus Account with balance maintenance
Meezan Bank
Zero Annual Fee / Low Fee
•••• •••• •••• 4119
VALID THRU 12/29
Meezan Visa Student Debit Card
VISA
Zero Annual Fee for Students & Youth Deals Debit Card 🛡️ 0% Foreign FX 🏷️ Card Discounts

Meezan Visa Student Debit Card

Designed specifically for college and university students with ZERO annual fees. Encourages digital financial literacy, budgeting, and online study tools with exclusive discounts on educational platforms, food delivery, and tech gear via Meezan discounts.

Annual Fee Free / Zero Annual Fee (For Meezan Student Accounts)
Reward / Cashback Student Privileges on Youth Cafes, Books, Tech & Education
Interest / APR 0% (Riba-Free Direct Account Settlement)
Foreign FX Fee 3.0% + SBP Advance Tax
Core Card Perks & Highlights:
  • Zero Annual Charges: 100% free annual card maintenance for registered students holding Meezan Asaan Student Account.
  • Youth & Student Privileges: Exclusive deals at popular student cafes, bookstores, laptops/electronics, and tutoring platforms.
  • Youth & Student Privileges: Exclusive deals at popular student cafes, bookstores, laptops/electronics, and tutoring platforms via Meezan discounts.
  • Global & Online Acceptance: Ideal for paying exam fees (IELTS, TOEFL, SAT), Coursera/Udemy certifications, and online subscriptions.
  • Daily Budget Controls: Practical student limits (PKR 25,000 daily ATM / PKR 100,000 POS) guarding against overspending.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Standard Access

0% Installments / Financing:

No

Eligibility / Credit Score:

Enrolled students at recognized colleges/universities in Pakistan (Age 18+)

Welcome Offer:

Zero Annual Card Maintenance Charges

Pros: + Zero annual fee for verified students + Dedicated discounts on food delivery, study tools, and fashion + Dedicated discounts on food delivery, study tools, cafes, and fashion + Simple account opening with Student ID & CNIC
Meezan Bank
Cashback & Rewards
•••• •••• •••• 4552
VALID THRU 12/29
Meezan Visa Gold Debit Card
VISA
Enhanced Limits & Dining Privileges Debit Card 🛡️ 0% Foreign FX 🏷️ Card Discounts

Meezan Visa Gold Debit Card

Upgraded Islamic debit card offering higher cash withdrawal and shopping limits, enhanced transaction flexibility, and extensive dining & retail discounts across 1,500+ partner outlets in Pakistan.

Annual Fee PKR 4,500 / year
Reward / Cashback Meezan Card Discounts (Up to 25% Off Dining, Fashion & Healthcare)
Interest / APR 0% (Strictly Riba-Free)
Foreign FX Fee 3.0% + SBP Advance Tax
Core Card Perks & Highlights:
  • Meezan Card Discounts Alliance: Save up to 25% at 1,200+ partner outlets across Pakistan, from casual dining to diagnostic lab tests.
  • Enhanced Limits: Daily ATM withdrawal up to PKR 150,000 and POS shopping limit up to PKR 500,000.
  • Halal Dining & Retail Deals: Up to 25% off at hundreds of restaurants, apparel brands, and supermarkets.
  • Emergency Card Services: Fast card blocking and reissue via Meezan Mobile App or 24/7 call center.
  • 100% Shariah Compliant: Verified Islamic Ujrah banking with no hidden interest charges.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Standard Access

0% Installments / Financing:

No

Eligibility / Credit Score:

Meezan Bank Account Holders

Welcome Offer:

EMV Microchip & Contactless NFC

Pros: + Broad dining and retail discount coverage across Pakistan + Balanced upgrade between Silver and Platinum tiers + Higher ATM and POS spending limits + Broad dining and retail discount coverage
Meezan Bank
Women Empowerment
•••• •••• •••• 5332
VALID THRU 12/29
Meezan Women First Debit Card
Curated Exclusively for Women Debit Card 🛡️ 0% Foreign FX 🏷️ Card Discounts

Meezan Women First Debit Card

Exclusively designed for Pakistani women account holders with unique vertical artwork, beauty/salon promotions, healthcare discounts, and complimentary female Takaful coverage via Meezan Card Discounts program.

Annual Fee PKR 3,500 / year (First issuance heavily subsidized at PKR 500)
Reward / Cashback Exclusive Discounts at Salons, Healthcare, Apparel & Dining (Up to 40% Off)
Interest / APR 0% (Riba-Free)
Foreign FX Fee 3.0% + SBP Advance Tax
Core Card Perks & Highlights:
  • Female Wellness & Salons Discounts: Up to 40% discount at diagnostic labs, beauty clinics, salons, and boutique apparel.
  • Female Wellness & Salons Discounts: Up to 40% discount at diagnostic labs, beauty clinics, salons, fitness centers, and boutique apparel.
  • Meezan Card Discounts Access: Special offers at 1,500+ dining spots, confectioneries, and retail outlets on meezanbank.com/card-discounts/.
  • Subsidized First Issuance: Special initial issuance fee of only PKR 500 for women account openers.
  • Vertical Modern Card Design: Stylish and modern card aesthetics crafted specifically for women.
  • Takaful Protection Included: Complimentary female health takaful and ATM cash snatching coverage.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Standard Access

0% Installments / Financing:

No

Eligibility / Credit Score:

Meezan Women First Account Holders

Welcome Offer:

Subsidized PKR 500 Issuance Fee & Takaful Cover

Pros: + Tailored exclusively for female financial empowerment + Extensive health, wellness, beauty, and salon discounts up to 40% + Heavily discounted initial issuance fee (PKR 500) + Extensive health, wellness, and beauty discounts
Meezan Bank
Zero Annual Fee / Low Fee
•••• •••• •••• 9501
VALID THRU 12/29
Meezan PayPak Debit Card
PAYPAK
100% Domestic Sovereign Scheme Domestic Debit Card 🏷️ Card Discounts

Meezan PayPak Debit Card

Pakistan's sovereign domestic payment scheme card by Meezan Bank. Economical, 100% Shariah compliant, with nationwide 1Link ATM access and participating local merchant discounts throughout Pakistan.

Annual Fee PKR 2,500 / year
Reward / Cashback Domestic Retail & Grocery Discounts across Pakistan
Interest / APR 0% (Linked Account)
Foreign FX Fee N/A (Domestic Only)
Core Card Perks & Highlights:
  • Domestic Card Discounts: Local merchant and supermarket promotional discounts across Pakistan via Meezan Card Discounts.
  • 100% Domestic Scheme: Settles entirely locally via 1Link, keeping all banking transaction data within Pakistan.
  • Affordable Card Fee: Cost-effective option for basic ATM cash withdrawal and local merchant shopping.
  • 18,000+ Nationwide ATMs: Fully interoperable across all 1Link ATM machines throughout Pakistan.
  • PIN-Protected EMV Chip: Microchip technology safeguarding against skimming and cloning fraud.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Standard Access

0% Installments / Financing:

No

Eligibility / Credit Score:

All Meezan Account Holders

Welcome Offer:

Instant Branch Issuance

Pros: + Economical annual card fee + Economical annual card fee (PKR 2,500) + No international currency markup or SBP advance tax + 100% Halal Shariah compliance
Meezan Bank
Islamic Shariah
•••• •••• •••• 5412
VALID THRU 12/29
Meezan Titanium Mastercard Debit Card
100% Shariah Compliant Debit Card ✈️ Airport Lounge 🏷️ Card Discounts

Meezan Titanium Mastercard Debit Card

Premier Riba-free Shariah-compliant debit card backed by Meezan Bank, offering complimentary domestic CIP lounge access, Middle East airport lounges, and dining privileges via Meezan Card Discounts.

Annual Fee PKR 5,000 / year
Reward / Cashback Up to 30% Off via Meezan Card Discounts + CIP Airport Lounges
Interest / APR 0% (Strictly Riba-Free / No Interest)
Foreign FX Fee 2.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • Meezan Card Discounts & Dining: Up to 30% discount at 1,500+ verified partner restaurants, cafes, diagnostic labs, and retail outlets.
  • Free CIP Airport Lounge Access: Complimentary access to domestic airport lounges across Pakistan and Middle East.
  • 100% Riba-Free Structure: Completely compliant with Islamic banking principles approved by Shariah Supervisory Board.
  • Free CIP Airport Lounge Access: Complimentary access to domestic airport lounges across Pakistan and Middle East.
  • Halal Dining Discounts: Up to 25% discount at 1,000+ verified halal restaurants across all major cities.
  • High Daily ATM & POS Limits: Daily ATM cash withdrawal up to PKR 150,000 and POS/Online limit up to PKR 750,000.
  • Takaful Protection Included: Complimentary ATM cash withdrawal snatching Takaful coverage.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Complimentary Domestic CIP Lounge Access in Pakistan & Middle East Lounges

0% Installments / Financing:

Debit Card (Riba-Free Direct Account Debit)

Eligibility / Credit Score:

Any Meezan Account Holder

Welcome Offer:

Complimentary Takaful Protection Plan

Pros: + Completely Riba-free Islamic banking + Discounts up to 30% across 1,500+ merchants + CIP lounge access without high credit fee + Very high daily spending limits
Meezan Bank
Premium & Luxury
•••• •••• •••• 4988
VALID THRU 12/29
Meezan Visa Infinite Debit Card
VISA
Ultra Luxury Islamic Card Debit Card 🛡️ 0% Foreign FX ✈️ Airport Lounge 🏷️ Card Discounts

Meezan Visa Infinite Debit Card

The ultimate status symbol in Islamic banking, combining infinite global concierge services, unlimited worldwide lounge visits, up to 50% discounts at 5-star hotels and fine dining, and unparalleled transaction limits under Meezan Premium Banking.

Annual Fee PKR 42,500 / year (Free for Meezan Premium Banking Clients)
Reward / Cashback Meezan Infinite Elite Privileges (Up to 50% Off 5-Star Dining & Luxury Hotels)
Interest / APR 0% (Strictly Riba-Free)
Foreign FX Fee 2.0% + SBP Advance Tax
Core Card Perks & Highlights:
  • Meezan Infinite Luxury Privileges: Top-tier discounts up to 50% at 5-star hotels (Pearl Continental, Serena, Marriott), fine dining, Avis car rental (up to 35% off), and luxury resorts.
  • Unlimited Worldwide Lounge Access: Complimentary access for cardholder plus guest to 1,200+ airport lounges globally.
  • 24/7 Global Visa Infinite Concierge: Personal concierge for travel, flight bookings, hotel reservations, and emergency assistance.
  • PKR 1,000,000 Daily POS Limit: Massive purchasing power for luxury retail, travel, and online purchases.
  • Visa Luxury Hotel Collection: Complimentary room upgrades, free breakfast, and $25 food/beverage credit at 900+ luxury hotels.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Unlimited Worldwide LoungeKey Access (Cardholder + 1 Guest)

0% Installments / Financing:

Debit Card (PKR 1,000,000 Daily POS Limit)

Eligibility / Credit Score:

Meezan Premium Account Customers

Welcome Offer:

Unlimited LoungeKey International Passes

Pros: + Top-tier luxury hotel and fine dining discounts up to 50% + Worldwide unlimited lounge access (cardholder + guest) + Shariah-compliant luxury debit + Exceptional concierge support + Complimentary fee waivers for Premium Banking clients
Meezan Bank
Premium & Luxury
•••• •••• •••• 5512
VALID THRU 12/29
Meezan Premium World Mastercard Debit Card
Meezan Premium Banking World Tier Debit Card ✈️ Airport Lounge 🏷️ Card Discounts

Meezan Premium World Mastercard Debit Card

Meezan Bank's flagship World Mastercard under the Premium Banking program. Features dedicated Relationship Managers, priority queue routing at branches, free unlimited international airport lounges, exclusive hotel & dining discounts up to 40%, and substantial transaction limits.

Annual Fee PKR 25,000 / year (Free for Meezan Premium Banking Clients)
Reward / Cashback Mastercard World Elite Privileges & Meezan Card Discounts (Up to 40% Off)
Interest / APR 0% (100% Shariah Compliant - Riba Free)
Foreign FX Fee 2.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • Meezan Premium World Discounts: Uncapped premium dining and hotel benefits with up to 40% off, Avis car rental privileges, and airport meet & assist.
  • Worldwide Mastercard Lounges: Free access to hundreds of international airport lounges globally via Mastercard Travel Pass.
  • Dedicated Relationship Manager: Personalized Islamic wealth management, priority tellers, and exclusive branch lounge access.
  • Highest Digital Limits: Enhanced daily limits for Internet & Mobile Banking transfers up to PKR 2 Million.
  • Free Banking Services: Complimentary cheque books, pay orders, intercity clearing, and online fund transfers.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Unlimited worldwide airport lounge access via Mastercard Travel Pass + Pakistan CIP Lounges

0% Installments / Financing:

Debit Card (PKR 1,000,000 Daily POS Limit)

Eligibility / Credit Score:

Meezan Premium Banking Relationship Customers

Welcome Offer:

Complimentary Worldwide Airport Lounge Access

Pros: + Exclusive discounts up to 40% across fine dining, luxury hotels, and lifestyle + 100% Shariah compliant World Mastercard prestige + Unlimited international airport lounge access + Free fee waivers for qualifying Meezan Premium Banking account holders + Dedicated Relationship Manager and Premium Lounges across Pakistan
ALFALAH

Bank Alfalah

Karachi, Pakistan • Official Portal →

Pioneer in consumer card products in Pakistan with the renowned Orbit Rewards program, 0% installment plans, and multi-currency travel cards.

Bank Alfalah
Premium & Luxury
•••• •••• •••• 4201
VALID THRU 12/29
Bank Alfalah Visa Platinum Instant Credit Card
VISA
Instant In-App Approval (< 5 Mins) Credit Card ✈️ Airport Lounge

Bank Alfalah Visa Platinum Instant Credit Card

Bank Alfalah's digital-first Platinum credit card with instant under-5-minute approval via the Alfa mobile app. Delivers domestic CIP lounge access, 6 international lounge passes, and 0% Step-By-Step installment plans.

Annual Fee PKR 12,000 / year (Waived on PKR 120k spend)
Reward / Cashback Orbit Rewards + 3x Points on Dining & Travel
Interest / APR KIBOR + 14% p.a.
Foreign FX Fee 3.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • Instant Approval in < 5 Minutes: Apply paperless directly via Alfa mobile app with instant credit bureau scoring.
  • CIP & Visa Airport Companion: Complimentary domestic CIP lounges plus 6 global airport visits via Visa companion app.
  • Alfalah Step-By-Step (SBS): Pioneer 0% markup installment plans up to 36 months at over 1,000 retail merchant partners.
  • Orbit Rewards Program: Earn Orbit points on all POS and online retail, redeemable for flights, gadgets, and vouchers.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Domestic CIP Lounges + 6 International Passes via Visa Airport Companion

0% Installments / Financing:

Alfalah Step-By-Step (SBS): 0% Markup up to 36 months

Eligibility / Credit Score:

Instant Approval via Alfa App (Min Income: PKR 100,000)

Welcome Offer:

5,000 Orbit Reward Points + Zero Paperwork Issuance

Pros: + Under 5 minutes digital approval with zero paperwork on Alfa app + Domestic CIP and international lounge access + Industry leading 0% SBS installment plan network
Bank Alfalah
Cashback & Rewards
•••• •••• •••• 5409
VALID THRU 12/29
Bank Alfalah Optimus Mastercard Credit Card
Accelerated Orbit Rewards Multiplier Credit Card 🛡️ 0% Foreign FX ✈️ Airport Lounge

Bank Alfalah Optimus Mastercard Credit Card

Elite lifestyle rewards card powered by Mastercard, offering up to 10X accelerated Orbit points on dining and foreign spend, global airport lounge access, and Buy 1 Get 1 Cinepax tickets.

Annual Fee PKR 15,000 / year (Waived on PKR 150k spend)
Reward / Cashback Up to 10X Orbit Reward Points on International & Dining
Interest / APR KIBOR + 14% p.a.
Foreign FX Fee 3.0% + SBP Advance Tax
Core Card Perks & Highlights:
  • 10X Accelerated Orbit Points: Supercharged reward point accumulation on dining, airfare, and international spending.
  • Mastercard Travel Pass Lounges: Complimentary airport lounge access across the Middle East, North Africa, and Pakistan.
  • Buy 1 Get 1 Cinepax Tickets: Complimentary movie tickets every weekend at Cinepax cinemas nationwide.
  • 0% SBS Installments: Convert electronics, mobile phones, and lifestyle items to equal monthly installments.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Mastercard Travel Pass Airport Lounges + Domestic CIP

0% Installments / Financing:

Alfalah Step-By-Step (SBS): 0% Markup up to 36 months

Eligibility / Credit Score:

Min Monthly Income: PKR 150,000

Welcome Offer:

7,500 Orbit Reward Points upon activation

Pros: + Highest reward points multiplier in the Alfalah portfolio + Mastercard Travel Pass airport lounge access + Buy 1 Get 1 Cinepax movie ticket deals
Bank Alfalah
Cashback & Rewards
•••• •••• •••• 4118
VALID THRU 12/29
Bank Alfalah Ultra Cashback Credit Card
VISA
Up to 7% Direct Cashback Credit Card

Bank Alfalah Ultra Cashback Credit Card

Pakistan's premier cashback card returning up to 7% direct statement credits on everyday fuel refills, grocery supermarket hauls, food delivery apps, and utility bills.

Annual Fee PKR 6,500 / year (Waived on PKR 65k spend)
Reward / Cashback Up to 7% Cashback on Fuel, Groceries, Dining & Utility Bills
Interest / APR KIBOR + 14.5% p.a.
Foreign FX Fee 3.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • Up to 7% Direct Cashback: Earn automated monthly cashback credits on groceries, fuel, dining, and utilities.
  • 100% Fuel Surcharge Waiver: Zero fuel surcharge across all petrol pumps nationwide.
  • Alfalah SBS 0% Markup Plans: Split retail transactions into budget-friendly monthly installments.
  • Alfa App Digital Activation: Track your cashback earnings and monthly savings in real time on the Alfa App.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Standard Access

0% Installments / Financing:

Alfalah Step-By-Step (SBS): 0% Markup

Eligibility / Credit Score:

Min Monthly Income: PKR 60,000

Welcome Offer:

PKR 1,500 Direct Statement Credit on first billing cycle

Pros: + Direct monthly cashback credited automatically to statement + Fuel surcharge waiver at all petrol stations + Substantial savings on monthly grocery and utility bills
Bank Alfalah
Cashback & Rewards
•••• •••• •••• 4225
VALID THRU 12/29
Bank Alfalah Visa Gold Instant Credit Card
VISA
Everyday Retail & Dining Credit Card

Bank Alfalah Visa Gold Instant Credit Card

Mid-tier lifestyle credit card available with instant digital issuance via the Alfa App. Provides extensive dining discounts, Buy 1 Get 1 Cinepax tickets, and 0% SBS installments.

Annual Fee PKR 5,500 / year (Waived on PKR 55k spend)
Reward / Cashback 1 Orbit Point / PKR 100 spent
Interest / APR KIBOR + 15% p.a.
Foreign FX Fee 3.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • Up to 30% Off Dining: Exclusive discounts at over 400 partner restaurants across Pakistan.
  • Buy 1 Get 1 Cinepax Deals: Weekly complimentary Cinepax cinema tickets on select showtimes.
  • Step-By-Step (SBS) Installments: Convert purchases of PKR 3,000+ to 0% installments for up to 36 months.
  • Instant Digital Onboarding: Apply paperless via Alfa App with instant approval in minutes.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Standard Access

0% Installments / Financing:

Alfalah Step-By-Step (SBS): 0% Markup up to 36 months

Eligibility / Credit Score:

Instant Approval via Alfa App (Min Income: PKR 50,000)

Welcome Offer:

2,500 Orbit Points upon first swipe

Pros: + Instant digital issuance through Alfa mobile banking + Buy 1 Get 1 movie tickets + Easy annual spend waiver threshold
Bank Alfalah
No Annual Fee / Low Fee
•••• •••• •••• 4339
VALID THRU 12/29
Bank Alfalah Visa Classic Instant Credit Card
VISA
Paperless Digital Approval Credit Card

Bank Alfalah Visa Classic Instant Credit Card

Accessible entry-level credit card with paperless digital approval via the Alfa mobile banking app. Provides revolving credit, 0% SBS installments, and Orbit rewards.

Annual Fee PKR 3,500 / year (Waived on PKR 35k spend)
Reward / Cashback 1 Orbit Point / PKR 100 spent
Interest / APR KIBOR + 15% p.a.
Foreign FX Fee 3.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • Instant In-App Issuance: No branch visit or paper forms required; get approved in minutes inside Alfa.
  • Step-By-Step 0% Installments: Split household and electronic purchases into equal monthly installments.
  • Orbit Reward Points: Earn Orbit points on all shopping and grocery transactions.
  • Visa 3D Secure Protection: Multi-factor authentication protecting all online payments.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Standard Access

0% Installments / Financing:

Alfalah Step-By-Step (SBS): 0% Markup

Eligibility / Credit Score:

Instant Approval via Alfa App (Min Income: PKR 35,000)

Welcome Offer:

1,000 Orbit Reward Points

Pros: + Low income threshold of PKR 35,000/month + Paperless approval in under 5 minutes + Accessible fee waiver on PKR 35,000 spend
Bank Alfalah
Travel & Miles
•••• •••• •••• 4305
VALID THRU 12/29
Bank Alfalah UltraViolet Credit Card
VISA
Best For Air Miles Credit Card ✈️ Airport Lounge

Bank Alfalah UltraViolet Credit Card

Premier travel card in Pakistan with direct miles conversion to PIA Awards Plus and Turkish Airlines Miles&Smiles, alongside 0% Step-By-Step installment plans.

Annual Fee PKR 10,000 (Waived on PKR 100k spend)
Reward / Cashback Orbit Rewards + Convert to PIA & Turkish Airlines Miles
Interest / APR KIBOR + 14.5% p.a.
Foreign FX Fee 3.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • Air Miles Conversion: Convert Orbit points directly to PIA Awards Plus miles or Turkish Airlines Miles&Smiles.
  • Majestic International Lounge Access: Free access to domestic CIP Lounges and 800+ international hubs.
  • Alfalah Step-By-Step (SBS): Pioneer 0% installment plans up to 36 months at electronics, furniture, and jewelry partners.
  • Buy 1 Get 1 Free Cinepax Movie Tickets: Enjoy weekly complimentary cinema tickets and entertainment discounts.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Domestic CIP Lounges + 800+ International Majestic Lounges

0% Installments / Financing:

Alfalah Step-By-Step (SBS): 0% Markup up to 36 months

Eligibility / Credit Score:

Min Monthly Income: PKR 120,000

Welcome Offer:

3,000 Orbit Reward Points + Welcome Voucher

Pros: + Best airline miles conversion in Pakistan + Buy 1 Get 1 cinema tickets + Wide 0% installment network
Bank Alfalah
Digital & Virtual Prepaid
•••• •••• •••• 5199
VALID THRU 12/29
Bank Alfalah Virtual Debit Card
Instant Virtual Card in Alfa App Prepaid / Virtual Card

Bank Alfalah Virtual Debit Card

Digital-only virtual Mastercard generated instantly inside the Alfa mobile app. Designed for safe e-commerce checkout and subscriptions (Netflix, Google Play, Amazon, web hosting) without exposing physical card numbers.

Annual Fee Free / Zero Annual Fee
Reward / Cashback Orbit Points on Online E-Commerce
Interest / APR 0% (Linked Alfa Account)
Foreign FX Fee 3.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • Instant 60-Second Generation: Create and activate immediately within the Alfa app with custom spending limits.
  • Zero Plastic Exposure: Primary account and physical card details remain completely hidden from merchant websites.
  • Worldwide E-Commerce Acceptance: Seamless checkout for Netflix, Spotify, Steam, AWS, and international shopping.
  • One-Tap Freeze or Delete: Instantly freeze, re-generate, or delete the virtual card from your phone.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

N/A

0% Installments / Financing:

No

Eligibility / Credit Score:

Any Alfa Mobile App User

Welcome Offer:

Instant 60-Second In-App Generation

Pros: + Zero issuance and zero annual fees + Created in under 60 seconds on the Alfa app + Robust security protecting your primary bank account from online breaches
Bank Alfalah
Premium & Luxury
•••• •••• •••• 4922
VALID THRU 12/29
Bank Alfalah Visa Signature Debit Card
VISA
Premier Banking Privileges Debit Card 🛡️ 0% Foreign FX ✈️ Airport Lounge

Bank Alfalah Visa Signature Debit Card

Flagship debit card reserved for Bank Alfalah Premier banking customers. Features high daily POS spending capacity of PKR 500,000, PKR 200,000 ATM limit, and domestic CIP airport lounge access.

Annual Fee PKR 14,000 / year (Waived for Premier Clients)
Reward / Cashback Orbit Rewards + Exclusive Premier Discounts
Interest / APR 0% (Linked Premier Account)
Foreign FX Fee 3.0% + SBP Advance Tax
Core Card Perks & Highlights:
  • PKR 500,000 Daily POS Limit: High purchasing capacity for luxury shopping, fine dining, and travel bookings.
  • Domestic CIP Lounge Access: Complimentary domestic CIP lounges in Karachi, Lahore, and Islamabad.
  • 24/7 Global Visa Concierge: Dedicated lifestyle assistance, flight reservations, and dining bookings worldwide.
  • USD 500,000 Travel Protection: Comprehensive international travel accident and emergency medical assistance.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Unlimited Domestic CIP Lounges + International LoungeKey

0% Installments / Financing:

Debit Card Installments

Eligibility / Credit Score:

Bank Alfalah Premier Banking Customer

Welcome Offer:

Priority Pass Membership + Dedicated Concierge

Pros: + High daily transaction limits (PKR 500,000 POS / PKR 200,000 ATM) + Complimentary domestic CIP airport lounge access + Premier banking concierge services
Bank Alfalah
Travel & Lounges
•••• •••• •••• 4188
VALID THRU 12/29
Bank Alfalah Visa Platinum Debit Card
VISA
High POS Limits & Lounges Debit Card ✈️ Airport Lounge

Bank Alfalah Visa Platinum Debit Card

Premium everyday debit card offering elevated daily spending limits, complimentary domestic CIP airport lounge access, and contactless tap-and-pay convenience.

Annual Fee PKR 5,000 / year
Reward / Cashback 1 Orbit Point / PKR 100 spent
Interest / APR 0% (Linked Account)
Foreign FX Fee 3.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • PKR 350,000 Daily POS Limit: Ample retail spending allowance for electronics, supermarkets, and fashion.
  • CIP Domestic Lounge Relaxation: Complimentary domestic CIP lounge access across major Pakistani airports.
  • Contactless NFC Tap & Pay: Fast and hygienic checkouts at merchant counters nationwide and abroad.
  • Nationwide Dining Privileges: Discounts up to 25% at partner restaurants across Pakistan.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Domestic CIP Lounges at Karachi, Lahore, and Islamabad

0% Installments / Financing:

No

Eligibility / Credit Score:

Any Alfalah Checking / Savings Account

Welcome Offer:

1,500 Orbit Reward Points

Pros: + Domestic CIP airport lounge access on a debit card + PKR 350,000 daily POS spending ceiling + Orbit rewards on retail spending
Bank Alfalah
Everyday Spending
•••• •••• •••• 4255
VALID THRU 12/29
Bank Alfalah Visa Debit Card
VISA
Everyday Banking Standard Debit Card

Bank Alfalah Visa Debit Card

Standard international debit card issued with Bank Alfalah checking and savings accounts, featuring nationwide 1Link ATM connectivity, contactless tap-and-pay, and Alfa app management.

Annual Fee PKR 3,000 / year
Reward / Cashback Orbit Points on Shopping
Interest / APR 0% (Linked Account)
Foreign FX Fee 3.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • Worldwide Visa Acceptance: Shop in Pakistan and internationally across millions of POS terminals and online stores.
  • Nationwide 1Link ATMs: Reliable cash withdrawals at over 18,000 ATMs across Pakistan.
  • Alfa App Card Controls: Instantly toggle e-commerce, international spending, or set transaction limits via app.
  • EMV Microchip Security: Encrypted hardware chip safeguards against unauthorized cloning.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Standard Access

0% Installments / Financing:

No

Eligibility / Credit Score:

All Bank Alfalah Account Holders

Welcome Offer:

Standard Alfa App Integration

Pros: + Everyday international debit card for all account holders + Full mobile control via Alfa App + Wide merchant discount network
Bank Alfalah
Women Empowerment
•••• •••• •••• 9533
VALID THRU 12/29
Bank Alfalah Pehchaan Women Debit Card
PAYPAK
Exclusively for Women Entrepreneurs Debit Card

Bank Alfalah Pehchaan Women Debit Card

Debit card dedicated to women entrepreneurs and female professionals under the Bank Alfalah Pehchaan program, providing subsidized annual fees and curated discounts at lifestyle and healthcare partners.

Annual Fee PKR 1,800 / year (Subsidized for Women)
Reward / Cashback Up to 40% Off at Salons, Apparel & Health Clinics
Interest / APR 0% (Linked Pehchaan Account)
Foreign FX Fee Domestic Only
Core Card Perks & Highlights:
  • Women Lifestyle Discounts: Up to 40% discount at premier salons, diagnostic clinics, boutique apparel, and jewelry.
  • Pehchaan Business Financing Perks: Preferential lending rates for women-led startups and micro-enterprises.
  • Subsidized Annual Fee: Affordable maintenance fee at only PKR 1,800/year.
  • PIN-Protected EMV Chip: Safe domestic transactions across 1Link ATMs and POS checkouts in Pakistan.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Standard Access

0% Installments / Financing:

No

Eligibility / Credit Score:

Bank Alfalah Pehchaan Women Account Holder

Welcome Offer:

Exclusive Female Merchant Welcome Vouchers

Pros: + Curated female lifestyle & medical diagnostic discounts + Low subsidized annual fee + Path to Pehchaan female entrepreneur financing
Bank Alfalah
No Annual Fee / Low Fee
•••• •••• •••• 9511
VALID THRU 12/29
Bank Alfalah PayPak Debit Card
PAYPAK
100% Domestic Scheme Domestic Debit Card

Bank Alfalah PayPak Debit Card

Pakistan's domestic payment scheme card by Bank Alfalah. Offers affordable ATM cash withdrawals and retail POS transactions across the country with zero foreign scheme overhead.

Annual Fee PKR 1,600 / year (Budget Friendly)
Reward / Cashback Domestic Retail Discounts
Interest / APR 0% (Linked Account)
Foreign FX Fee Domestic Only
Core Card Perks & Highlights:
  • Pakistan Sovereign Scheme: Settles all transactions domestically via 1Link, keeping banking data secure.
  • Lowest Annual Card Fee: Most budget-friendly card in the Bank Alfalah portfolio at only PKR 1,600/year.
  • Nationwide 1Link ATMs: Free balance inquiry and cash withdrawals across all 1Link member ATMs.
  • PIN-Protected EMV Chip: Robust chip encryption safeguarding against local skimming.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Standard Access

0% Installments / Financing:

No

Eligibility / Credit Score:

All Bank Alfalah Account Holders

Welcome Offer:

Basic Account Onboarding

Pros: + Lowest annual fee in Bank Alfalah card lineup + No foreign currency surcharges + Reliable nationwide 1Link interoperability

International banking giant offering elite premium credit cards, international airport lounge privileges, and high-tier cashback rewards.

Standard Chartered
Premium & Luxury
•••• •••• •••• 5188
VALID THRU 12/29
Standard Chartered World Credit Card
Highest Global Prestige Credit Card ✈️ Airport Lounge

Standard Chartered World Credit Card

International executive credit card with the lowest overseas markup among Pakistani banks, complimentary golf privileges, and full Mastercard World perks.

Annual Fee PKR 15,000 / year
Reward / Cashback 5x Reward Points on All International Spends
Interest / APR KIBOR + 13.5% p.a.
Foreign FX Fee 2.25% (Lowest Bank FX Markup in Pakistan)
Core Card Perks & Highlights:
  • 5x International Rewards: Earn 5 reward points on every PKR 100 spent internationally in foreign currency.
  • Unlimited LoungeKey Visits: Free access to 1,200+ airport lounges worldwide with complimentary guest passes.
  • Complimentary Golf Rounds: Complimentary tee times at premier golf clubs across Karachi, Lahore, and Islamabad.
  • Lowest Foreign FX Markup in PK: Competitive international exchange rates with minimal bank commission.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Unlimited Worldwide LoungeKey Airport Lounges

0% Installments / Financing:

SCB KuchBhi 0% Installment Plans

Eligibility / Credit Score:

Min Monthly Income: PKR 250,000

Welcome Offer:

10,000 Activation Points + Complimentary Golf Passes

Pros: + Ideal for frequent international travelers from Pakistan + World-class Mastercard concierge + Best overseas points multiplier
MCB

MCB Bank

Lahore, Pakistan • Official Portal →

A cornerstone of Pakistani banking, providing MCB Lite cards, Visa Platinum, and exclusive reward point redemption at top retail partners.

MCB
Cashback
•••• •••• •••• 4219
VALID THRU 12/29
MCB Platinum Visa Credit Card
VISA
Top Retail Rewards Credit Card ✈️ Airport Lounge

MCB Platinum Visa Credit Card

A dependable rewards card with MCB i-Plan installment plans, airport lounge privileges, and extensive supermarket & dining deals across Punjab and Sindh.

Annual Fee PKR 7,500 (Waived on PKR 75k spend)
Reward / Cashback Up to 2% cashback equivalent at grocery & fashion stores
Interest / APR KIBOR + 15% p.a.
Foreign FX Fee 3.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • Supermarket Cashback Points: Accelerated points at Carrefour, Imtiaz, and Metro Cash & Carry nationwide.
  • MCB i-Plan 0% Markup: Instant conversion of big purchases into flexible tenure installments.
  • Domestic CIP Lounge Access: Free access at all major airport terminals within Pakistan.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Complimentary Domestic CIP Airport Lounges

0% Installments / Financing:

MCB i-Plan: 0% Markup flexible installments

Eligibility / Credit Score:

Min Monthly Income: PKR 80,000

Welcome Offer:

PKR 2,000 voucher on top retail brands

Pros: + Strong grocery and shopping discounts in Pakistan + Low annual fee with achievable fee waiver + Wide branch support

Digital-first financial leader offering contactless PayPak, Visa, and Mastercard credit products with fuel cashback and Golootlo discounts.

UBL
Premium & Luxury
•••• •••• •••• 4022
VALID THRU 12/29
UBL Visa Signature Credit Card
VISA
Highest Lifestyle Privileges Credit Card ✈️ Airport Lounge

UBL Visa Signature Credit Card

Top-tier lifestyle credit card featuring CIP lounge privileges, 3X international reward points, Balance Transfer Facility (BTF), and instant Lite Installment Plans.

Annual Fee PKR 9,000 (Waived on PKR 90k annual spend)
Reward / Cashback 1 Point / PKR 100 (Redemption: 1 pt = PKR 0.30)
Interest / APR KIBOR + 14% p.a. (Lite Installment Plan Available)
Foreign FX Fee 3.25% + SBP Advance Tax
Core Card Perks & Highlights:
  • Domestic CIP Lounges: Complimentary access to CIP lounges at Karachi, Lahore, and Islamabad airports.
  • Golootlo Dining Discounts: Instant dining & lifestyle savings up to 50% across 15,000+ partner outlets.
  • 100% Fuel Surcharge Waiver: Zero fuel surcharge across all petrol stations in Pakistan.
  • LIP & BTF Flexible Credit: Convert retail purchases over PKR 5,000 into 3-36 monthly installments.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

CIP Lounges (Karachi, Lahore, Islamabad) + Regional Lounges

0% Installments / Financing:

Lite Installment Plan (LIP): 3-36 mos (0% markup partner promos)

Eligibility / Credit Score:

Min Monthly Income: PKR 100,000

Welcome Offer:

3,000 Activation Points + PKR 1,500 Fuel Voucher

Pros: + Complimentary CIP lounge access + Lite Installment Plan (LIP) from 3 to 36 months + Balance Transfer Facility (BTF) available
UBL
Premium & Luxury
•••• •••• •••• 4091
VALID THRU 12/29
UBL Visa Platinum Credit Card
VISA
3X Points Abroad & CIP Lounges Credit Card ✈️ Airport Lounge

UBL Visa Platinum Credit Card

Premium travel credit card delivering 3X rewards on international retail, high-limit credit lines, and complimentary CIP airport lounge relaxation.

Annual Fee PKR 7,500 / year (Waived on PKR 75k annual spend)
Reward / Cashback 3X Reward Points on international spend, 1 pt / PKR 100 domestic
Interest / APR KIBOR + 14% p.a.
Foreign FX Fee 3.25% + SBP Advance Tax
Core Card Perks & Highlights:
  • 3X Rewards Abroad: Accelerate points earning by 300% on all cross-border and foreign shopping.
  • CIP Airport Lounges: Complimentary CIP lounge access in Karachi, Lahore, and Islamabad.
  • Travel Insurance Cover: Complimentary travel accident coverage up to PKR 15 Million.
  • LIP 0% Markup Plans: Convert purchases PKR 5,000+ into easy monthly installments.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

CIP Airport Lounges at KHI, LHE, ISB

0% Installments / Financing:

Lite Installment Plan (LIP) up to 36 months

Eligibility / Credit Score:

Min Monthly Income: PKR 75,000

Welcome Offer:

2,500 Welcome Bonus Reward Points

Pros: + 3X international rewards multiplier + CIP airport lounge access + Complimentary PKR 15M travel insurance
UBL
Cashback & Rewards
•••• •••• •••• 4138
VALID THRU 12/29
UBL Visa Gold Credit Card
VISA
Mid-Tier Lifestyle & Discounts Credit Card ✈️ Airport Lounge

UBL Visa Gold Credit Card

Mid-tier lifestyle credit card with elevated spending limits, Golootlo dining savings, and travel accident insurance up to PKR 7 Million.

Annual Fee PKR 5,000 / year (Waived on PKR 50k annual spend)
Reward / Cashback 1 Point / PKR 100 spent (Value: PKR 0.30/pt)
Interest / APR KIBOR + 14% p.a.
Foreign FX Fee 3.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • Dining & Retail Discounts: Discounts up to 40% at leading restaurants and apparel brands via Golootlo.
  • PKR 7M Travel Protection: Automated travel accident coverage when tickets are booked using the card.
  • Fuel Surcharge Waiver: Save on every fuel refill across all OMC service stations.
  • Balance Transfer Facility: Transfer credit card balances from other banks at competitive lower markups.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Pay-per-use CIP lounge access

0% Installments / Financing:

Lite Installment Plan (LIP): 3 to 36 months

Eligibility / Credit Score:

Min Monthly Income: PKR 50,000

Welcome Offer:

1,500 Activation Reward Points

Pros: + Accessible income threshold (PKR 50,000) + Travel accident insurance PKR 7M + Lite Installment Plans up to 36 months
UBL
No Annual Fee / Low Fee
•••• •••• •••• 4217
VALID THRU 12/29
UBL Visa Classic Credit Card
VISA
Everyday Retail Credit Credit Card ✈️ Airport Lounge

UBL Visa Classic Credit Card

Entry-level consumer credit card designed for first-time cardholders, offering Lite Installment Plans, emergency cash-on-phone, and PKR 3.5M travel insurance.

Annual Fee PKR 3,500 / year (Waived on PKR 35k annual spend)
Reward / Cashback 1 Point / PKR 100 spent
Interest / APR KIBOR + 14% p.a.
Foreign FX Fee 3.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • Flexible Credit Line: Affordable revolving credit limit for day-to-day shopping and utility payments.
  • PKR 3.5M Travel Insurance: Automatic accident coverage when travel fares are paid using the card.
  • Lite Installment Plans: Convert purchases into affordable 3 to 36-month equal monthly installments.
  • Cash on Phone: Instant cash disbursement directly into your bank account via UBL Contact Center.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Standard Airport Lounge Rates

0% Installments / Financing:

Lite Installment Plan (LIP): 3 to 36 months

Eligibility / Credit Score:

Min Monthly Income: PKR 35,000

Welcome Offer:

1,000 Activation Points

Pros: + Low income eligibility threshold (PKR 35,000) + Lite Installment Plan support + Easy fee waiver on modest annual spend
UBL
Cashback & Rewards
•••• •••• •••• 4305
VALID THRU 12/29
UBL PSO Auto Credit Card
VISA
Up to 5% Fuel Cashback Credit Card

UBL PSO Auto Credit Card

Dedicated fuel co-brand credit card with Pakistan State Oil (PSO) offering accelerated cashback, zero fuel surcharges, and automobile repair installment options.

Annual Fee PKR 4,000 / year (Waived on PKR 40k spend)
Reward / Cashback Up to 5% Cashback on PSO fuel + Accelerated Reward Points
Interest / APR KIBOR + 14% p.a.
Foreign FX Fee 3.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • Up to 5% PSO Fuel Cashback: Direct savings on petrol, diesel, and lubricants at all nationwide PSO fuel stations.
  • Zero Fuel Surcharges: 100% waiver of credit card fuel surcharges on all PSO pump swipes.
  • Auto Maintenance Installments: Convert tyre, battery, and car service bills into 0% markup installments.
  • Roadside Assistance: Emergency roadside towing and emergency fuel assistance program.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Standard Access

0% Installments / Financing:

UBL BetterBuy 0% Markup Plans

Eligibility / Credit Score:

Min Monthly Income: PKR 40,000

Welcome Offer:

PKR 1,000 Free PSO Fuel Voucher upon activation

Pros: + Substantial fuel cost savings for daily commuters + Fuel surcharge waiver at all PSO pumps + 0% markup auto maintenance financing
UBL
Premium & Luxury
•••• •••• •••• 4988
VALID THRU 12/29
UBL Visa Infinite Debit Card
VISA
Highest Limit in Pakistan (PKR 5M) Debit Card 🛡️ 0% Foreign FX ✈️ Airport Lounge

UBL Visa Infinite Debit Card

Pakistan's most prestigious debit card with an unprecedented PKR 5 Million daily POS spending limit, global 24/7 concierge, and unlimited worldwide lounge access.

Annual Fee PKR 18,000 / year (Waived for Signature Banking Clients)
Reward / Cashback 1 Point / PKR 100 spent + UBL Signature Perks
Interest / APR 0% (Linked Checking/Savings Account)
Foreign FX Fee 3.0% + SBP Advance Tax
Core Card Perks & Highlights:
  • PKR 5M Daily POS Limit: Industry-leading daily retail purchasing and merchant checkout capacity.
  • Unlimited Global Lounges: Complimentary Priority Pass membership covering 1,300+ lounges globally + CIP domestic.
  • 24/7 Global Concierge: Bespoke international travel, dining reservations, and lifestyle coordination.
  • Comprehensive Travel Shield: Multi-trip international medical and travel insurance up to USD 500,000.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Unlimited Global Priority Pass & Domestic CIP Lounges

0% Installments / Financing:

Debit Card Installments (PayLater enabled)

Eligibility / Credit Score:

High-Net-Worth / Signature Banking Account

Welcome Offer:

Priority Pass Membership + Dedicated Concierge

Pros: + Highest POS transaction limit in Pakistan (PKR 5,000,000) + Unlimited domestic CIP and international Priority Pass lounges + Zero foreign exchange markup penalty on select tiers
UBL
Travel & Lounges
•••• •••• •••• 5420
VALID THRU 12/29
UBL Mastercard Signature Debit Card
Mastercard Travel Pass & Priceless Debit Card ✈️ Airport Lounge

UBL Mastercard Signature Debit Card

Signature tier debit card on Mastercard's network granting access to Middle Eastern and domestic airport lounges, Priceless Cities privileges, and high ATM limits.

Annual Fee PKR 12,000 / year (Complimentary for Signature Tier)
Reward / Cashback 1 Point / PKR 100 + Mastercard Priceless Deals
Interest / APR 0% (Linked Account)
Foreign FX Fee 3.25% + SBP Advance Tax
Core Card Perks & Highlights:
  • Mastercard Travel Pass: Complimentary lounge access across the Middle East, GCC, North Africa, and Pakistan.
  • Mastercard Priceless Specials: Exclusive 2-for-1 dining and entertainment offers via Mastercard Priceless app.
  • PKR 300,000 Daily ATM Limit: High cash withdrawal ceiling for business and personal liquidity.
  • Purchase & Travel Protection: Built-in purchase protection and flight inconvenience insurance.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Domestic CIP Lounges & Regional Middle East Lounges via Mastercard Pass

0% Installments / Financing:

Merchant Installment Plans

Eligibility / Credit Score:

UBL Premium Account Holder

Welcome Offer:

Complimentary Airport Lounge Visits

Pros: + Middle East airport lounge access via Mastercard Travel Pass + Mastercard Priceless 2-for-1 dining offers + Generous ATM and POS spending thresholds
UBL
Cashback & Rewards
•••• •••• •••• 4382
VALID THRU 12/29
UBL Visa Premium Plus Debit Card
VISA
High POS Limits & NFC Tap Debit Card ✈️ Airport Lounge

UBL Visa Premium Plus Debit Card

Enhanced everyday debit card with higher daily POS and e-commerce spending ceilings, contactless NFC tap-and-pay, and extensive merchant discounts.

Annual Fee PKR 4,500 / year
Reward / Cashback 1 Point / PKR 100 spent
Interest / APR 0% (Linked Account)
Foreign FX Fee 3.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • Contactless NFC Tap & Pay: Fast and secure contactless payments at merchant checkouts nationwide and overseas.
  • Elevated POS Limits: Daily POS and online shopping allowance up to PKR 500,000.
  • Golootlo Deals Network: Save up to 40% on dining, healthcare, apparel, and travel bookings.
  • 24/7 Real-Time Fraud Shield: Instant SMS alerts and biometric verification on the UBL Digital App.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Discounted CIP Domestic Lounge Access

0% Installments / Financing:

UBL PayLater at select merchants

Eligibility / Credit Score:

UBL Current or Savings Account

Welcome Offer:

1,000 UBL Digital Reward Points

Pros: + Generous PKR 500,000 POS and e-commerce limit + Contactless NFC tap-to-pay convenience + Broad discount network nationwide
UBL
Everyday Spending
•••• •••• •••• 5219
VALID THRU 12/29
UBL Mastercard Premium Debit Card
PKR 200k ATM / PKR 300k POS Debit Card

UBL Mastercard Premium Debit Card

Balanced premium debit card featuring PKR 200,000 daily ATM limits, PKR 300,000 daily retail POS spending, and worldwide Mastercard acceptance.

Annual Fee PKR 3,500 / year
Reward / Cashback 1 Point / PKR 100 spent
Interest / APR 0% (Linked Account)
Foreign FX Fee 3.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • PKR 200,000 ATM Limit: High cash accessibility across 1Link and global Cirrus ATM networks.
  • PKR 300,000 Daily POS: Ample daily allowance for retail shopping, groceries, and fuel.
  • Worldwide Acceptance: Accepted at tens of millions of merchants globally via Mastercard.
  • Mastercard Identity Check: Safe online payments with dynamic OTP and biometric authentication.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Standard Access

0% Installments / Financing:

No

Eligibility / Credit Score:

Any UBL Individual Account

Welcome Offer:

500 Reward Points on First App Transaction

Pros: + High daily cash withdrawal limit of PKR 200,000 + Affordable annual maintenance fee + Global Mastercard network coverage
UBL
Everyday Spending
•••• •••• •••• 4491
VALID THRU 12/29
UBL Visa Premium Debit Card
VISA
Everyday Banking Standard Debit Card

UBL Visa Premium Debit Card

Standard international debit card issued with UBL checking accounts, enabling ATM cash withdrawals, retail store POS, and secure online shopping.

Annual Fee PKR 3,000 / year
Reward / Cashback 1 Point / PKR 100 spent
Interest / APR 0% (Linked Account)
Foreign FX Fee 3.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • International Visa Power: Use locally across Pakistan or internationally in 200+ countries.
  • Nationwide Dining Deals: Access exclusive discount campaigns via UBL Digital.
  • EMV Chip & PIN Security: Hardware encrypted chip protects against fraudulent duplication.
  • UBL Digital Card Controls: Temporarily lock card, set transaction limits, or enable international usage via app.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Standard Access

0% Installments / Financing:

No

Eligibility / Credit Score:

Any UBL Account

Welcome Offer:

Standard Welcome

Pros: + Everyday international debit card for all account holders + Full control via UBL Digital App + Extensive 1Link ATM connectivity
UBL
Freelancer & Digital Exporter
•••• •••• •••• 4550
VALID THRU 12/29
UBL Visa Freelancer Debit Card
VISA
IT Exporters & Freelancers Choice Debit Card

UBL Visa Freelancer Debit Card

Specially designed for IT professionals and remote digital freelancers. Directly linked to Exporter Special Foreign Currency (ESFCA) accounts to facilitate USD payments for SaaS, hosting, and international equipment.

Annual Fee PKR 2,500 / year (Waived on $500 monthly export remittance)
Reward / Cashback 1 Point / PKR 100 + Zero SBP Withholding Surcharge
Interest / APR 0% (Linked to Freelancer Digital / FCY Account)
Foreign FX Fee 1.5% - Subsidized Foreign Transaction Rate
Core Card Perks & Highlights:
  • Linked to Freelancer FCY Account: Directly spends from retained 50% USD foreign currency export proceeds.
  • Seamless SaaS & Tech Subscriptions: Zero-friction online checkout for AWS, GitHub, Google Cloud, Figma, and OpenAI.
  • Subsidized FX Charges: Discounted foreign transaction markup for registered software exporters.
  • Instant Digital Verification: Approved for instant linking to PayPal (receive via remittance), Payoneer, and Wise.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Standard Access

0% Installments / Financing:

No

Eligibility / Credit Score:

Freelancer Exporter Account (Upwork, Fiverr, Remote IT)

Welcome Offer:

Free Digital Debit Card + Fast-Track Remittance Settlement

Pros: + Directly linked to Freelancer FCY account + Discounted 1.5% foreign transaction fee + Frictionless international payments for tech stacks and hosting
UBL
Business & Corporate
•••• •••• •••• 4612
VALID THRU 12/29
UBL Visa FCY Business Debit Card
VISA
USD Foreign Currency Commercial Business Debit Card 🛡️ 0% Foreign FX ✈️ Airport Lounge

UBL Visa FCY Business Debit Card

USD-denominated commercial debit card tailored for corporations and export firms conducting high-volume cross-border trade, software licenses, and executive travel.

Annual Fee USD 25 / year
Reward / Cashback Commercial Rebates on Corporate SaaS & Travel
Interest / APR 0% (Linked USD Corporate Account)
Foreign FX Fee 0% on Direct USD Spend
Core Card Perks & Highlights:
  • 0% FX on USD Spending: Zero currency conversion spread on transactions billed directly in US Dollars.
  • Corporate Cross-Border Trade: High limit allowance for international trade subscriptions, vendor invoices, and travel.
  • Executive Airport Lounges: Complimentary domestic CIP lounge access for corporate executives.
  • Corporate Liability Shield: Full enterprise-level fraud protection and per-card limit provisioning.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

CIP Domestic and Regional Middle East Lounges

0% Installments / Financing:

No

Eligibility / Credit Score:

UBL Foreign Currency Business Account

Welcome Offer:

Free Multi-User Employee Sub-Cards Available

Pros: + 0% currency conversion fee on direct USD transactions + Directly linked to USD foreign currency accounts + Designed for B2B procurement and corporate travel
UBL
Women Empowerment
•••• •••• •••• 4733
VALID THRU 12/29
UBL Visa Urooj Debit Card
VISA
Exclusively for Women Entrepreneurs Debit Card

UBL Visa Urooj Debit Card

Tailored exclusively for women entrepreneurs and female professionals. Includes curated shopping discounts, wellness and medical perks, and preferential financing rates.

Annual Fee PKR 1,500 / year (50% Off First Year)
Reward / Cashback Double Reward Points on Health, Beauty, and Groceries
Interest / APR 0% (Linked Urooj Account)
Foreign FX Fee 3.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • Women-Centric Lifestyle Discounts: Up to 50% off at premier salons, diagnostic labs, boutique apparel, and jewelry.
  • Urooj Business Financing Perks: Linked access to low-markup SBP SME financing for women entrepreneurs.
  • Accelerated Points on Groceries: 2X reward points on grocery supermarket runs and online essentials.
  • Complimentary Takaful Protection: Personal accident insurance and female cancer care assistance support.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Standard Access

0% Installments / Financing:

UBL Urooj Financing Integration

Eligibility / Credit Score:

UBL Urooj Women Checking or Savings Account

Welcome Offer:

Exclusive Merchant Welcome Vouchers

Pros: + Heavily subsidized annual fee (PKR 1,500) + Double reward points on household essentials and beauty + Direct pathway to Urooj women entrepreneur micro-loans
UBL
Travel & Lounges
•••• •••• •••• 6221
VALID THRU 12/29
UBL UnionPay International Debit Card
UNIONPAY
China & Asia-Pacific Acceptance Debit Card 🛡️ 0% Foreign FX ✈️ Airport Lounge

UBL UnionPay International Debit Card

Cost-effective debit card operating on the UnionPay (UPI) network. Ideal for traders, students, and travelers visiting China, Hong Kong, and across the Asia-Pacific corridor.

Annual Fee PKR 2,500 / year
Reward / Cashback 1 Point / PKR 100 spent
Interest / APR 0% (Linked Account)
Foreign FX Fee 3.0% + SBP Advance Tax
Core Card Perks & Highlights:
  • 100% Acceptance in China & Asia: Universal acceptance at merchant terminals and ATMs across mainland China and East Asia.
  • CPEC & Trader Friendly: Direct RMB clearing without mandatory dual USD currency conversion steps.
  • Domestic 1Link Connectivity: Works smoothly at all ATMs and retail POS counters in Pakistan.
  • UPI Global Dining Perks: Exclusive shopping promotions at international duty-free airports.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

UnionPay Lounge Network in China and East Asia

0% Installments / Financing:

No

Eligibility / Credit Score:

Any UBL Checking / Savings Account

Welcome Offer:

UnionPay International Travel Privileges

Pros: + Best card for travel or trade in China and East Asia + Affordable annual fee + Lower foreign exchange spreads in Asia
UBL
No Annual Fee / Low Fee
•••• •••• •••• 9505
VALID THRU 12/29
UBL PayPak Debit Card
PAYPAK
100% Domestic Scheme Domestic Debit Card

UBL PayPak Debit Card

Pakistan's sovereign domestic payment scheme. Provides secure, highly affordable ATM cash withdrawals and local merchant POS transactions without foreign scheme surcharges.

Annual Fee PKR 1,800 / year (Economical)
Reward / Cashback Domestic Retail Discounts
Interest / APR 0% (Linked Account)
Foreign FX Fee N/A (Domestic Only)
Core Card Perks & Highlights:
  • Pakistan Sovereign Scheme: Settles 100% locally via 1Link, keeping all transaction data within Pakistan.
  • Lowest Annual Card Fee: Most budget-friendly card in the UBL debit portfolio at only PKR 1,800/year.
  • Nationwide 1Link ATMs: Cash withdrawals and balance inquiries at over 18,000 ATMs across Pakistan.
  • PIN-Protected EMV Chip: Robust chip security safeguarding against local skimming and unauthorized use.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Standard Access

0% Installments / Financing:

No

Eligibility / Credit Score:

All UBL Account Holders

Welcome Offer:

Basic Onboarding

Pros: + Lowest annual fee of any UBL debit card + No international exchange surcharges + Reliable nationwide 1Link interoperability
UBL
Digital & Virtual Prepaid
•••• •••• •••• 5310
VALID THRU 12/29
UBL WIZ Virtual Prepaid Card
Instant In-App Virtual Card Prepaid / Virtual Card

UBL WIZ Virtual Prepaid Card

Digital-only virtual Mastercard created instantly inside the UBL Digital App. Designed for risk-free online shopping and subscriptions (Netflix, Google Play, web hosting) without exposing primary account funds.

Annual Fee PKR 1,000 issuance / No recurring annual fee
Reward / Cashback 1 Point / PKR 100 on Online Subscriptions
Interest / APR 0% (Prepaid Balance)
Foreign FX Fee 3.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • Instant In-App Issuance: Generate and activate instantly inside the UBL Digital app in under 60 seconds.
  • Zero Primary Account Exposure: Only the exact pre-loaded balance is accessible, insulating your main bank savings.
  • Global Digital Subscriptions: Perfect for Spotify, Netflix, YouTube Premium, Steam, and domain renewals.
  • Instant Freeze or Delete: Freeze, adjust spending limit, or delete the virtual card anytime with one tap.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

N/A

0% Installments / Financing:

No

Eligibility / Credit Score:

Any UBL Digital App User

Welcome Offer:

Instant In-App Generation

Pros: + Generated instantly inside UBL Digital App without paperwork + Protects your primary bank savings from online merchant leaks + No recurring annual maintenance fee
FAYSAL

Faysal Bank

Karachi, Pakistan • Official Portal →

A fully converted Islamic bank offering Noor Islamic Cards, halal lifestyle privileges, and Takaful coverage for travelers.

Faysal Bank
Islamic Shariah
•••• •••• •••• 4819
VALID THRU 12/29
Faysal Bank Noor Platinum Islamic Card
VISA
Halal Shariah Credit Credit Card ✈️ Airport Lounge

Faysal Bank Noor Platinum Islamic Card

Certified 100% Shariah-compliant Islamic credit card operating on Ujrah principles, offering halal lifestyle rewards, travel Takaful protection, and airport lounge access.

Annual Fee PKR 8,000 / year
Reward / Cashback Smile Reward Points redeemable for instant shopping vouchers
Interest / APR 0% Compounding Interest (Halal Ujrah Contract)
Foreign FX Fee 2.75% + SBP Advance Tax
Core Card Perks & Highlights:
  • Certified Shariah Islamic Structure: Governed strictly under Shariah Supervisory Board guidelines with zero Riba.
  • Complimentary Lounge Visits: Free access to domestic CIP Lounges and selected Middle East hubs.
  • Comprehensive Travel Takaful: Halal insurance coverage for accidental injuries, lost baggage, and trip delays.
  • Smile Reward Points: Earn points on every swipe redeemable instantly at premier electronics and fashion outlets.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Complimentary Domestic CIP & Select Middle East Lounges

0% Installments / Financing:

Halal Installment under Shariah Ujrah contract

Eligibility / Credit Score:

Min Monthly Income: PKR 90,000

Welcome Offer:

Complimentary Travel Takaful Coverage

Pros: + Certified 100% Shariah compliant credit product + Complimentary domestic CIP lounge access + Travel Takaful included
ALBARAKA

A premier Islamic commercial bank under the Al Baraka Banking Group (ABG), offering 100% Shariah-compliant debit and card solutions, Islamic wealth management, and extensive lifestyle dining privileges.

AlBaraka Bank
Islamic Shariah
•••• •••• •••• 5241
VALID THRU 12/29
AlBaraka Titanium Mastercard Debit Card
100% Shariah-Compliant Debit Card ✈️ Airport Lounge

AlBaraka Titanium Mastercard Debit Card

AlBaraka Bank's premier Islamic debit card offering worldwide Mastercard acceptance, 100% Shariah compliance certified by esteemed scholars, complimentary CIP airport lounge access in Pakistan, and generous halal dining discounts.

Annual Fee PKR 3,000 / year
Reward / Cashback Up to 25% Off Dining & Lifestyle across Pakistan
Interest / APR 0% (Strictly Riba-Free)
Foreign FX Fee 2.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • 100% Certified Shariah Structure: Certified by AlBaraka Shariah Supervisory Board with strict zero-Riba principles.
  • Complimentary CIP Lounge Access: Free access to domestic CIP Lounges at Karachi, Lahore, and Islamabad airports.
  • Up to 25% Off Dining & Shopping: Special discounts at leading restaurants, apparel, and lifestyle retailers across Pakistan.
  • Complimentary Takaful Cover: Comprehensive ATM cash withdrawal snatching and wallet protection.
  • EMV Contactless Security: State-of-the-art chip security with 3D Secure OTP authentication for global e-commerce.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Domestic VIP CIP Airport Lounges in Karachi, Lahore & Islamabad

0% Installments / Financing:

Debit Card (Riba-Free direct account clearing)

Eligibility / Credit Score:

Open to all AlBaraka Account Holders

Welcome Offer:

Free Takaful ATM Snatching & Cash Cover

Pros: + 100% Riba-free Shariah compliance + Domestic CIP airport lounge access + Free Takaful cash protection + Zero interest fees
AlBaraka Bank
Premium & Luxury
•••• •••• •••• 5589
VALID THRU 12/29
AlBaraka Platinum Mastercard Debit Card
Islamic Premier Status Debit Card ✈️ Airport Lounge

AlBaraka Platinum Mastercard Debit Card

AlBaraka's flagship elite debit card designed for high-net-worth Islamic banking clients, featuring unrestricted domestic CIP lounge visits, international travel assistance, higher daily transaction thresholds, and concierge services.

Annual Fee PKR 5,500 / year
Reward / Cashback Global Masterpass & Premium Islamic Lifestyle Privileges
Interest / APR 0% (Strictly Riba-Free)
Foreign FX Fee 2.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • Domestic & Global LoungeKey Access: Complimentary domestic CIP lounges in Pakistan plus international LoungeKey entry privileges.
  • Elevated Daily Limits: High daily cash withdrawal up to PKR 250,000 and POS/Online shopping limit up to PKR 750,000.
  • International Travel Takaful: Global emergency medical assistance, baggage delay, and travel inconvenience protection.
  • Mastercard Premium Concierge: 24/7 dedicated assistance for dining reservations, travel itineraries, and VIP services.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Unlimited Domestic CIP Lounges + International LoungeKey Access

0% Installments / Financing:

Debit Card (Direct account debit)

Eligibility / Credit Score:

AlBaraka Premier Account Holders

Welcome Offer:

Worldwide Travel & Medical Takaful Coverage

Pros: + High daily transaction and withdrawal limits + Domestic and international lounge privileges + Shariah-compliant premium perks

One of Pakistan's premier financial institutions, offering world-class Visa and PayPak card products, digital banking rewards, and dining discounts.

Allied Bank
Premium & Luxury
•••• •••• •••• 4389
VALID THRU 12/29
Allied Visa Platinum Credit Card
VISA
Executive Lifestyle Credit Card ✈️ Airport Lounge

Allied Visa Platinum Credit Card

Allied Bank's flagship luxury credit card offering comprehensive lifestyle benefits, domestic CIP airport lounge visits, and 0% markup myABL installment financing.

Annual Fee PKR 8,500 (Waived on PKR 100k annual spend)
Reward / Cashback 2x Reward Points on Dining & Fuel Spends
Interest / APR KIBOR + 14.5% p.a.
Foreign FX Fee 3.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • Complimentary CIP Lounge Access: Free access to major domestic CIP lounges across Karachi, Lahore, and Islamabad.
  • Double Allied Points: Earn 2x reward points on supermarket grocery, dining, and fuel purchases.
  • myABL 0% Installments: Convert purchases of PKR 5,000 or more into equal monthly installments with zero markup.
  • Contactless Tap & Pay: Fast, tap-and-go payment terminal verification backed by Visa 3D Secure OTP.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Complimentary domestic CIP airport lounge access

0% Installments / Financing:

myABL Installments: 0% markup up to 12 months

Eligibility / Credit Score:

Min Monthly Income: PKR 100,000

Welcome Offer:

3,000 Bonus Allied Points upon activation

Pros: + Substantial dining & lifestyle merchant discounts + Easy spend-based annual fee waiver + Reliable myABL mobile management
Allied Bank
Zero Annual Fee
•••• •••• •••• 9412
VALID THRU 12/29
Allied PayPak Domestic Debit Card
PAYPAK
National Domestic Card Debit Card ✈️ Airport Lounge

Allied PayPak Domestic Debit Card

Pakistan's national payment scheme debit card issued by Allied Bank, providing affordable, secure ATM and retail payments across Pakistan without foreign currency surcharges.

Annual Fee PKR 1,500 / year
Reward / Cashback Exclusive Golootlo Merchant Discounts
Interest / APR 0% (Direct Account Debit)
Foreign FX Fee Domestic Only (Zero Foreign FX)
Core Card Perks & Highlights:
  • Golootlo Discount Program: Up to 50% discount at thousands of dining, medical, and retail partners in Pakistan.
  • Extensive ATM Coverage: Withdraw cash safely at all 1LINK connected ATMs nationwide.
  • EMV Chip Protection: Equipped with tamper-proof microchip and PIN verification for peace of mind.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Standard Domestic Card (No lounge)

0% Installments / Financing:

Debit Card (Instant Account Settlement)

Eligibility / Credit Score:

Any Allied Bank account holder

Welcome Offer:

Free 1LINK ATM cash withdrawals

Pros: + Lowest annual maintenance charges + Wide domestic merchant acceptance + No foreign exchange risks
ASKARI

Askari Bank Limited

Rawalpindi, Pakistan • Official Portal →

Leading commercial bank renowned for military and corporate services, offering prestigious Mastercard World cards and flexible installment plans.

Askari Bank
Travel & Airline
•••• •••• •••• 5488
VALID THRU 12/29
Askari Mastercard World Credit Card
Elite Travel Privileges Credit Card ✈️ Airport Lounge

Askari Mastercard World Credit Card

Premier luxury travel credit card by Askari Bank, providing world-class international airport lounge access, accelerated miles on foreign flights, and complimentary travel insurance.

Annual Fee PKR 14,000 / year
Reward / Cashback 3x Askari Miles on International Travel & Hotels
Interest / APR KIBOR + 14% p.a.
Foreign FX Fee 3.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • Unlimited Global Lounge Visits: Complimentary domestic CIP lounges in Pakistan plus over 1,200 international airport lounges.
  • Triple Travel Miles: Accelerated miles accrual on airline ticket bookings and overseas hotel stays.
  • $150,000 Travel Protection: Comprehensive travel medical, accident, and baggage delay insurance.
  • Mastercard World Concierge: 24/7 dedicated personal concierge for VIP event and dining bookings worldwide.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Unlimited Domestic CIP Lounges + 1,200+ Mastercard Travel Pass Lounges

0% Installments / Financing:

Askari EasyBuy: 0% markup up to 12 months

Eligibility / Credit Score:

Min Monthly Income: PKR 180,000

Welcome Offer:

5,000 Bonus Askari Miles on first swipe

Pros: + Top-tier airport lounge access worldwide + Generous miles program redeemable with top airlines + High credit limits
BAHL

Trusted commercial bank with over 1,000 branches nationwide, providing highly secure Chip & Contactless Visa and PayPak debit cards.

Bank AL Habib
Premium & Luxury
•••• •••• •••• 5420
VALID THRU 12/29
Bank AL Habib Platinum Credit Card
Unlimited Airport Lounges & Full Fee Reversal Credit Card ✈️ Airport Lounge

Bank AL Habib Platinum Credit Card

Bank AL Habib's flagship premium Mastercard credit card offering unlimited international airport lounge access, 1 point per Rs. 50 spent, up to 51 days credit-free period, and 100% annual fee waiver upon achieving PKR 250,000 retail spend.

Annual Fee PKR 20,000 / year (100% Reversible on PKR 250k spend in 90 days)
Reward / Cashback 1 Reward Point per Rs. 50 spent on retail, dining & travel
Interest / APR 3.25% / month (39% p.a.) & up to 51 days credit-free period
Foreign FX Fee 3.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • Complimentary International Lounges: Unlimited free access to 25+ airport lounges across UAE, Saudi Arabia, UK, USA, France, and Singapore via Mastercard Travel Pass.
  • 100% Annual Fee Reversal: Spend PKR 250,000 in 90 days for full annual fee reversal or PKR 200,000 in 60 days to reduce fee to PKR 2,000.
  • Reward Points on Every Rs. 50: Earn 1 Reward Point for every Rs. 50 spent on retail, dining, hotels, and airlines, redeemable for shopping gift vouchers.
  • Mastercard Priceless Cities & Travel: Special discounts on Avis & Budget car rentals, Booking.com cashbacks, Foodpanda orders, and Medical Tourism Concierge.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Complimentary unlimited access to 25+ regional & international airport lounges via Mastercard Travel Pass App

0% Installments / Financing:

Yes (0% markup and flexible tenure installments)

Eligibility / Credit Score:

Salaried min. PKR 20,000/mo; Self-Employed min. PKR 25,000/mo

Welcome Offer:

100% Fee Reversal on PKR 250k spend in 90 days

Pros: + 100% Annual Fee Reversal policy within 90 days of issuance + Complimentary unlimited international airport lounge visits + Up to 51 days credit-free repayment window + Accessible minimum salary requirement (PKR 20,000/month)
Bank AL Habib
Cashback & Rewards
•••• •••• •••• 5218
VALID THRU 12/29
Bank AL Habib Gold Credit Card
Balanced Lifestyle & Dining Perks Credit Card

Bank AL Habib Gold Credit Card

Mid-tier gold credit card offering everyday purchasing power, up to 51 days credit-free grace period, high retail acceptance, and full annual fee reversal upon reaching PKR 200,000 spend.

Annual Fee PKR 8,000 / year (100% Reversible on PKR 200k spend in 90 days)
Reward / Cashback 1 Reward Point per Rs. 50 spent on retail and dining
Interest / APR 3.25% / month (39% p.a.) & up to 51 days credit-free period
Foreign FX Fee 3.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • Fee Reversal Milestones: Spend PKR 200,000 within 90 days for a complete fee reversal, or PKR 150,000 within 60 days to reduce fee to PKR 800.
  • Earn 1 Point per Rs. 50: Accumulate reward points on all retail checkouts and redeem them for shopping vouchers.
  • 3D Secure & Purchase Protection: Mastercard Identity Check / SecureCode protects all domestic and international online shopping.
  • Emergency Cash Advance: Withdraw up to assigned cash advance limit instantly at any 1Link or Mastercard ATM nationwide.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Standard Mastercard domestic benefits

0% Installments / Financing:

Yes (Revolving credit & easy installment plans)

Eligibility / Credit Score:

Salaried min. PKR 20,000/mo; Business min. PKR 25,000/mo

Welcome Offer:

Full Fee Reversal on PKR 200k spend in 90 days

Pros: + Very accessible income requirement starting from PKR 20,000/month + Affordable annual fee with achievable 100% reversal threshold + Up to 51 days interest-free financing on retail purchases
Bank AL Habib
Zero Annual Fee / Low Fee
•••• •••• •••• 5102
VALID THRU 12/29
Bank AL Habib Green Credit Card
Economical Everyday Starter Card Credit Card

Bank AL Habib Green Credit Card

The most budget-friendly Mastercard credit card in the Bank AL Habib portfolio. Provides revolving credit, utility bill management, and up to 51 days interest-free period with easily achievable fee waiver milestones.

Annual Fee PKR 5,600 / year (100% Reversible on PKR 150k spend in 90 days)
Reward / Cashback 1 Reward Point per Rs. 50 spent on all retail transactions
Interest / APR 3.25% / month (39% p.a.) & up to 51 days credit-free period
Foreign FX Fee 3.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • Easiest Fee Reversal Target: Spend PKR 150,000 in 90 days for a full fee reversal, or PKR 100,000 in 60 days to drop the annual fee to only PKR 560.
  • Contactless Tap & Go: Built-in NFC allows fast contactless payments at grocery stores, pharmacies, and fuel pumps.
  • Reward Points Program: Earn 1 Point for every Rs. 50 spent, redeemable for vouchers once reaching 2,500 points.
  • Supplementary Cards for Family: Issue up to 4 supplementary cards for family members (age 18+) with shared limits and discounted fees.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Standard access

0% Installments / Financing:

Yes (Equal monthly installment options)

Eligibility / Credit Score:

Salaried min. PKR 20,000/mo; Self-Employed min. PKR 25,000/mo

Welcome Offer:

Full Fee Reversal on PKR 150k spend in 90 days

Pros: + Lowest spending threshold for 100% fee reversal (PKR 150,000) + Low income qualification threshold (PKR 20,000/month) + Full 3D Secure Mastercard online shopping security
Bank AL Habib
Premium & Luxury
•••• •••• •••• 4111
VALID THRU 12/29
Bank AL Habib Visa Signature Debit Card
VISA
LoungeKey Worldwide & Priority Limits Debit Card 🛡️ 0% Foreign FX ✈️ Airport Lounge

Bank AL Habib Visa Signature Debit Card

Bank AL Habib's most prestigious debit card, tailored for high-net-worth Priority Banking clients with LoungeKey airport access, highest daily limits, and worldwide 24/7 concierge.

Annual Fee PKR 6,500 / year
Reward / Cashback Visa Signature Global Concierge & Dining Privileges
Interest / APR 0% (Direct Account Debit)
Foreign FX Fee 3.0% + SBP Advance Tax
Core Card Perks & Highlights:
  • LoungeKey Airport Access: Complimentary entry to over 1,000 airport lounges globally plus domestic CIP Lounges at Karachi, Lahore, and Islamabad.
  • High Transaction Thresholds: Enjoy PKR 300,000 daily ATM cash withdrawal limit and up to PKR 750,000 daily POS retail shopping limit.
  • 24/7 Global Visa Concierge: Dedicated concierge support for travel bookings, restaurant reservations, and ticket assistance.
  • Elite Dining & Hotel Offers: Privileged discounts at luxury hotels, resorts, and premium fine-dining establishments worldwide.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Complimentary access to 1,000+ international airport lounges via LoungeKey + CIP Lounges in Pakistan

0% Installments / Financing:

Debit Card (Instant Account Settlement)

Eligibility / Credit Score:

Bank AL Habib Priority Banking / High Net Worth Account Holders

Welcome Offer:

Complimentary International Travel Medical Assistance

Pros: + Over 1,000 international airport lounges via LoungeKey + Highest daily ATM and POS spending limits in BAHL debit tier + Zero interest charges (debits directly from checking account)
Bank AL Habib
Premium & Luxury
•••• •••• •••• 4912
VALID THRU 12/29
Bank AL Habib Visa Platinum Debit Card
VISA
High Transaction Limits Debit Card 🛡️ 0% Foreign FX ✈️ Airport Lounge

Bank AL Habib Visa Platinum Debit Card

Bank AL Habib's executive debit card, granting cardholders high daily cash and POS spending thresholds, complimentary airport lounge entry, and global Visa acceptance.

Annual Fee PKR 4,000 / year
Reward / Cashback Exclusive Dining & E-commerce Discounts
Interest / APR 0% (Direct Account Debit)
Foreign FX Fee 3.0% + SBP Advance Tax
Core Card Perks & Highlights:
  • Complimentary CIP Lounge Access: Enjoy free access to domestic CIP lounges at Pakistan's primary international airports.
  • PKR 200,000 Daily ATM Limit: High cash withdrawal limit and up to PKR 500,000 daily POS retail transaction limit.
  • AL Habib Dining Privileges: Up to 25% discount at selected fine dining and shopping merchants across Pakistan.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Complimentary Domestic CIP Lounges at Karachi, Lahore & Islamabad

0% Installments / Financing:

Debit Card (Instant Account Settlement)

Eligibility / Credit Score:

Bank AL Habib Account Holders

Welcome Offer:

Complimentary ATM cash withdrawal insurance

Pros: + Exceptional branch network service + Reliable e-commerce and POS processing + High daily spending allowance
Bank AL Habib
Zero Annual Fee / Low Fee
•••• •••• •••• 9506
VALID THRU 12/29
Bank AL Habib PayPak Debit Card
PAYPAK
100% Domestic Pakistani Scheme Domestic Debit Card

Bank AL Habib PayPak Debit Card

Pakistan's sovereign domestic payment scheme card provided by Bank AL Habib. Gives affordable nationwide ATM cash withdrawals and retail POS payments with zero international scheme surcharges.

Annual Fee PKR 1,600 / year (Economical)
Reward / Cashback Domestic Retail Discounts
Interest / APR 0% (Linked Account)
Foreign FX Fee N/A (Domestic Only)
Core Card Perks & Highlights:
  • Pakistan Sovereign Scheme: Settles 100% locally via 1Link, keeping transactions data securely within Pakistan.
  • Most Economical Fee: Lowest annual card fee in the Bank AL Habib portfolio at only PKR 1,600/year.
  • Nationwide 1Link ATMs: Cash withdrawals and balance inquiries at over 18,000 ATMs across Pakistan.
  • PIN-Protected EMV Chip: Chip security safeguarding against local skimming and unauthorized misuse.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Standard Access

0% Installments / Financing:

No

Eligibility / Credit Score:

All Bank AL Habib Account Holders

Welcome Offer:

Instant Branch Issuance

Pros: + Lowest annual fee in Bank AL Habib card catalog + No international currency exchange markup or SBP advance tax + Nationwide ATM and retail POS acceptance
BOK

The Bank of Khyber

Peshawar, Pakistan • Official Portal →

Provincial and commercial banking institution providing both conventional and Raast Islamic card solutions tailored for northern Pakistan and nationwide.

Bank of Khyber
Premium & Luxury
•••• •••• •••• 5182
VALID THRU 12/29
The Bank of Khyber Mastercard Platinum Debit Card
Regional & National Power Debit Card 🛡️ 0% Foreign FX ✈️ Airport Lounge

The Bank of Khyber Mastercard Platinum Debit Card

Premier debit card by The Bank of Khyber with nationwide acceptance, domestic CIP lounge visits, enhanced daily cash limits, and Takaful accidental protection.

Annual Fee PKR 3,500 / year
Reward / Cashback Special BOK Lifestyle & Hospital Discounts
Interest / APR 0% (Direct Account Debit)
Foreign FX Fee 3.0% + SBP Advance Tax
Core Card Perks & Highlights:
  • CIP Lounge Access: Complimentary access to domestic CIP lounges at Islamabad and Peshawar airports.
  • Free Accidental Takaful: Takaful coverage for wallet theft and ATM cash withdrawal snatching.
  • Contactless Tap & Go: Fast and secure contactless payments at all Mastercard enabled POS terminals.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Complimentary Domestic CIP Lounge Access in Pakistan

0% Installments / Financing:

Debit Card (Instant Account Settlement)

Eligibility / Credit Score:

Bank of Khyber Account Holders

Welcome Offer:

Complimentary Takaful Accidental Coverage

Pros: + Dedicated regional and national customer support + Complimentary lounge entry + Both Islamic & conventional branches
BOP

Premier scheduled commercial bank owned by Government of Punjab, offering high-tier Mastercard World cards, Kisan agri cards, and student subsidy cards.

Bank of Punjab
Premium & Luxury
•••• •••• •••• 5432
VALID THRU 12/29
The Bank of Punjab Mastercard World Credit Card
World Elite Class & Concierge Credit Card 🛡️ 0% Foreign FX ✈️ Airport Lounge

The Bank of Punjab Mastercard World Credit Card

BOP's pinnacle credit card, offering complimentary domestic CIP lounge access, Mastercard Travel Pass global airport privileges, 24/7 concierge, and flexible EMI installment options.

Annual Fee PKR 25,000 / year (Supplementary: PKR 12,500)
Reward / Cashback 2.5% Reward Points on Lifestyle & Travel
Interest / APR KIBOR + 14% p.a.
Foreign FX Fee 3.0% + SBP Advance Tax
Core Card Perks & Highlights:
  • CIP & Mastercard Global Lounges: Complimentary access to CIP lounges in Lahore, Karachi, and Islamabad plus worldwide access via Mastercard.
  • BOP EMI Installment Plans: Convert purchases of PKR 3,000 and above into equal monthly installment plans up to 36 months.
  • Balance Transfer Facility (BTF): Consolidate high-interest balances from other credit cards at competitive lower markup rates.
  • Cash Advance Facility: Instant cash withdrawal up to 50% of the assigned credit line via ATMs or helpline.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Complimentary Domestic CIP Lounges (Lahore, Karachi, Islamabad) + Mastercard Travel Pass

0% Installments / Financing:

BOP Equal Monthly Installments (EMI) on PKR 3,000+ (3-36 mos)

Eligibility / Credit Score:

Min Monthly Income: PKR 200,000

Welcome Offer:

5,000 Bonus Points upon activation

Pros: + Complimentary domestic CIP airport lounge access + EMI installment conversion starting at PKR 3,000 + Balance Transfer Facility (BTF) available
Bank of Punjab
Premium & Luxury
•••• •••• •••• 5188
VALID THRU 12/29
The Bank of Punjab Mastercard Platinum Credit Card
Travel & Dining Privileges Credit Card ✈️ Airport Lounge

The Bank of Punjab Mastercard Platinum Credit Card

Premium credit card featuring domestic CIP airport lounge access, high reward points earning across restaurants and apparel, and flexible installment plans.

Annual Fee PKR 15,625 / year (Supplementary: PKR 7,812)
Reward / Cashback Accelerated Points on Dining, Airline Bookings & Retail
Interest / APR KIBOR + 14% p.a.
Foreign FX Fee 3.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • CIP Domestic Lounge Relaxation: Free access to domestic CIP lounges in Lahore, Karachi, and Islamabad.
  • Dining & Lifestyle Savings: Up to 30% discount at premier restaurants, luxury hotels, and retail outlets.
  • Easy Equal Monthly Installments: Convert purchases of PKR 3,000+ into 3 to 36 months installment plans.
  • EMV Chip & 3D Secure Protection: Safe transactions protected by dynamic OTP and biometric verification on digiBOP.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Domestic CIP Lounges at Lahore, Karachi, and Islamabad

0% Installments / Financing:

BOP Equal Monthly Installments (EMI) on PKR 3,000+

Eligibility / Credit Score:

Min Monthly Income: PKR 100,000

Welcome Offer:

3,000 Welcome Reward Points

Pros: + Domestic CIP airport lounge access included + Low PKR 3,000 minimum threshold for installment conversion + Accessible PKR 100,000 monthly income requirement
Bank of Punjab
Cashback & Rewards
•••• •••• •••• 5241
VALID THRU 12/29
The Bank of Punjab Mastercard Gold Credit Card
Everyday Lifestyle Value Credit Card

The Bank of Punjab Mastercard Gold Credit Card

Mid-tier Mastercard credit card providing reliable revolving credit, dining discounts across Punjab, 0% installment plans, and Balance Transfer Facility.

Annual Fee PKR 6,250 / year (Supplementary: PKR 3,125)
Reward / Cashback 1 Reward Point / PKR 100 spent
Interest / APR KIBOR + 15% p.a.
Foreign FX Fee 3.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • Retail & Dining Discounts: Exclusive promotions at popular clothing brands, restaurants, and retail stores.
  • Flexible Installment Tenures: Repay major retail purchases over 3, 6, 12, 24, or 36 months.
  • Balance Transfer Facility: Transfer your other bank credit card balances to BOP at reduced markup.
  • digiBOP Instant Activation: Activate your card instantly via digiBOP app or WhatsApp Banking at 042-111-267-200.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Standard Access

0% Installments / Financing:

BOP Equal Monthly Installments (EMI) on PKR 3,000+

Eligibility / Credit Score:

Min Monthly Income: PKR 50,000

Welcome Offer:

1,500 Activation Reward Points

Pros: + Accessible income threshold (PKR 50,000/month) + Low annual fee (PKR 6,250) + Easy activation via WhatsApp Banking & digiBOP app
Bank of Punjab
No Annual Fee / Low Fee
•••• •••• •••• 5309
VALID THRU 12/29
The Bank of Punjab Green Credit Card
Zero Annual Fee for Life Credit Card

The Bank of Punjab Green Credit Card

BOP's zero annual fee credit card for life. Basic and supplementary cards carry zero recurring annual fees while granting full access to EMI installments and Balance Transfer Facility.

Annual Fee Free / Zero Annual Fee (Basic: Rs. 0 | Supplementary: Rs. 0)
Reward / Cashback 1 Point / PKR 100 spent
Interest / APR KIBOR + 15% p.a.
Foreign FX Fee 3.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • Zero Annual Fee for Life: Never pay an annual fee on either your primary or supplementary card.
  • Equal Monthly Installments (EMI): Convert purchases PKR 3,000+ into equal monthly installments up to 36 months.
  • WhatsApp Banking Services: Activate card, check available limit, and retrieve mini-statements on WhatsApp.
  • Mastercard Chip & PIN Security: Worldwide acceptance with dynamic 3D Secure verification.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Standard Access

0% Installments / Financing:

BOP Equal Monthly Installments (EMI) on PKR 3,000+

Eligibility / Credit Score:

Min Monthly Income: PKR 35,000

Welcome Offer:

100% Lifetime Fee Waiver

Pros: + Zero annual fee for life on both basic and supplementary cards + Low income requirement (PKR 35,000/mo) + Full installment plan support starting at PKR 3,000
Bank of Punjab
Business & Corporate
•••• •••• •••• 5399
VALID THRU 12/29
BOP Lahore Qalandars Business Credit Card (LQCC)
Official Cricket Co-Brand Credit Card

BOP Lahore Qalandars Business Credit Card (LQCC)

Official co-branded card with PSL champion franchise Lahore Qalandars, offering exclusive match ticketing discounts, sports apparel savings, and corporate expense segregation.

Annual Fee PKR 6,250 / year (Supplementary: PKR 3,125)
Reward / Cashback Accelerated Points on Sports, Apparel & Merchant Outlets
Interest / APR KIBOR + 15% p.a.
Foreign FX Fee 3.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • Lahore Qalandars Match Perks: Priority ticketing, VIP enclosure discounts, and meet-and-greet promotions.
  • Sports & Fitness Discounts: Exclusive savings at gym chains, sports goods retailers, and activewear outlets.
  • Equal Monthly Installment Plans: Split purchases of PKR 3,000+ into easy monthly installments.
  • Business Expense Management: Dedicated expense tracking for sports academies, merchants, and small businesses.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Standard Access

0% Installments / Financing:

BOP Equal Monthly Installments (EMI) on PKR 3,000+

Eligibility / Credit Score:

Cricket Fans, Entrepreneurs & Business Owners

Welcome Offer:

Official Lahore Qalandars Merchandise Voucher

Pros: + Exclusive perks for Lahore Qalandars and PSL cricket supporters + Affordable annual fee + Full installment plan capability
Bank of Punjab
Business & Corporate
•••• •••• •••• 5510
VALID THRU 12/29
BOP Mastercard Executive Business Credit Card
Executive Fleet & SME Credit Business Credit Card 🛡️ 0% Foreign FX ✈️ Airport Lounge

BOP Mastercard Executive Business Credit Card

Dedicated corporate business credit card engineered for SMEs and commercial enterprises to manage employee travel, supplier invoicing, digital marketing, and office procurement.

Annual Fee PKR 12,500 / year (Supplementary: PKR 6,250)
Reward / Cashback Corporate Cashback on Procurement, SaaS & Fuel
Interest / APR KIBOR + 14% p.a.
Foreign FX Fee 3.0% + SBP Advance Tax
Core Card Perks & Highlights:
  • Corporate Spend Segregation: Separate enterprise procurement and travel expenses from personal accounts.
  • Executive Airport Lounges: Domestic CIP lounge access in Pakistan for traveling corporate executives.
  • Corporate Liability Waiver: Comprehensive protection against unauthorized employee card misuse.
  • Fleet Fuel Management: Set custom monthly fuel allowances and track company vehicle expenses.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Domestic CIP Lounges for Corporate Executives

0% Installments / Financing:

Commercial Installment Financing Plans

Eligibility / Credit Score:

Registered Companies, Corporations & SME Entities

Welcome Offer:

Multi-Card Employee Limit Management

Pros: + Streamlined corporate expense tracking with monthly itemized statements + Domestic CIP airport lounge access + Multi-card employee provisioning
Bank of Punjab
Premium & Luxury
•••• •••• •••• 5401
VALID THRU 12/29
BOP KHAAS Platinum Debit Card
KHAAS Priority Banking Debit Card 🛡️ 0% Foreign FX ✈️ Airport Lounge

BOP KHAAS Platinum Debit Card

BOP's premier debit card reserved for high-net-worth KHAAS Priority Banking clients, offering high daily POS limits up to PKR 1,000,000, PKR 200,000 daily ATM withdrawals, and CIP airport lounge access.

Annual Fee Free / Complimentary for KHAAS Priority Clients
Reward / Cashback KHAAS Preferred Lifestyle & Dining Discounts
Interest / APR 0% (Linked Account)
Foreign FX Fee 3.0% + SBP Advance Tax
Core Card Perks & Highlights:
  • PKR 1,000,000 Daily POS Limit: High purchasing capacity for premium retail, luxury hospitality, and shopping.
  • PKR 200,000 Daily ATM Limit: High cash availability at all ATMs across Pakistan.
  • Domestic CIP Lounge Access: Complimentary access to CIP lounges at Lahore, Karachi, and Islamabad airports.
  • Dedicated KHAAS Relationship Manager: Priority teller service and personalized wealth management solutions.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Domestic CIP Lounges (Lahore, Karachi, Islamabad)

0% Installments / Financing:

No

Eligibility / Credit Score:

BOP KHAAS Priority Account Holder

Welcome Offer:

Complimentary Priority Banking Perks

Pros: + Free annual fee for qualifying KHAAS priority customers + Substantial daily spending limit (PKR 1M) + Complimentary domestic CIP lounge access
Bank of Punjab
Everyday Spending
•••• •••• •••• 5211
VALID THRU 12/29
The Bank of Punjab Mastercard Debit Card
Everyday Banking & Tap-and-Pay Debit Card

The Bank of Punjab Mastercard Debit Card

Standard international debit card issued with BOP checking and savings accounts, enabling nationwide 1Link ATM withdrawals, contactless retail checkouts, and secure online shopping.

Annual Fee PKR 3,000 / year
Reward / Cashback Retail Discounts across Punjab
Interest / APR 0% (Linked Account)
Foreign FX Fee 3.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • Worldwide Mastercard Acceptance: Shop in Pakistan and internationally across millions of merchant POS terminals.
  • Contactless Tap & Pay: Fast NFC payments for everyday groceries and dining without entering PIN below threshold.
  • digiBOP App Card Controls: Toggle international spending, adjust daily ATM/POS limits, or block card anytime.
  • EMV Microchip Security: Encrypted microchip safeguards against card cloning and skimming.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Standard Access

0% Installments / Financing:

No

Eligibility / Credit Score:

Any BOP Individual Account Holder

Welcome Offer:

Standard digiBOP App Integration

Pros: + Worldwide Mastercard and 1Link acceptance + Contactless NFC tap-to-pay + Full control on digiBOP mobile app
Bank of Punjab
No Annual Fee / Low Fee
•••• •••• •••• 9504
VALID THRU 12/29
The Bank of Punjab PayPak Debit Card
PAYPAK
100% Domestic Scheme Domestic Debit Card

The Bank of Punjab PayPak Debit Card

Pakistan's domestic payment scheme card by Bank of Punjab. Provides highly affordable ATM cash withdrawals and local retail spending with zero foreign currency overhead.

Annual Fee PKR 1,600 / year (Economical)
Reward / Cashback Domestic Retail Discounts
Interest / APR 0% (Linked Account)
Foreign FX Fee Domestic Only
Core Card Perks & Highlights:
  • Pakistan Sovereign Scheme: Settles locally via 1Link, keeping all banking transaction data inside Pakistan.
  • Low Annual Fee: Budget-friendly annual fee at only PKR 1,600/year.
  • Nationwide 1Link ATMs: Free balance inquiry and cash withdrawals across all 1Link member ATMs.
  • PIN-Protected EMV Chip: Secure chip encryption preventing local card fraud.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Standard Access

0% Installments / Financing:

No

Eligibility / Credit Score:

All BOP Account Holders

Welcome Offer:

Basic Account Onboarding

Pros: + Lowest annual card fee in BOP debit lineup + No international exchange fees + Reliable nationwide 1Link interoperability
Bank of Punjab
Agricultural & Kisan
•••• •••• •••• 9551
VALID THRU 12/29
BOP Kisan Dost Agriculture Debit Card
PAYPAK
Farmer Support Card Kisan Debit Card ✈️ Airport Lounge

BOP Kisan Dost Agriculture Debit Card

Specialized financial inclusion card by Bank of Punjab providing Pakistani farmers with direct access to agricultural credit, seed and fertilizer subsidies, and rural ATM transactions.

Annual Fee PKR 1,200 / year (Government Subsidized)
Reward / Cashback Direct Government Farmer Subsidies
Interest / APR Subsidized Agri Mark-up (SBP scheme)
Foreign FX Fee Domestic Only
Core Card Perks & Highlights:
  • Subsidized Seed & Fertilizer: Direct digital subsidy disbursement on agricultural inputs across Punjab.
  • Free Rural ATM Cash Withdrawals: Withdraw cash with zero charges at extensive BOP rural branch ATMs.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Specialized Agri Card (No lounge)

0% Installments / Financing:

Crop cycle repayment schedules

Eligibility / Credit Score:

Registered farmers in Punjab

Welcome Offer:

Zero account opening charges for farmers

Pros: + Government backed subsidy transfers + Low annual fee + Tailored for farmers and landholders
ISLAMI

Dedicated full-fledged Islamic bank in Pakistan, offering pure Shariah-compliant debit cards with biometric verification and Musawamah installments.

BankIslami
Islamic Shariah
•••• •••• •••• 4288
VALID THRU 12/29
BankIslami Visa Platinum Debit Card
VISA
100% Shariah Compliant Debit Card ✈️ Airport Lounge

BankIslami Visa Platinum Debit Card

Certified Islamic debit card by BankIslami featuring biometrically secured transactions, domestic CIP airport lounge visits, and Shariah-compliant retail discounts.

Annual Fee PKR 3,800 / year
Reward / Cashback Halal Dining & Healthcare Discounts
Interest / APR 0% (Strictly Riba-Free)
Foreign FX Fee 2.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • 100% Riba-Free Contract: Approved by BankIslami Shariah Supervisory Board with zero interest penalties.
  • CIP Airport Lounge Access: Free access to domestic CIP lounges in Karachi, Lahore, and Islamabad.
  • One-Touch Biometric Security: Card-less biometric ATM authentication option supported nationwide.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Complimentary Domestic CIP Lounge Access in Pakistan

0% Installments / Financing:

Musawamah Halal Installments

Eligibility / Credit Score:

BankIslami Account Holders

Welcome Offer:

Complimentary Takaful Snatching Protection

Pros: + Strict Shariah compliance + Biometric security features + Domestic lounge access included
CITI

Global financial leader providing multinational corporate clients in Pakistan with elite corporate cards, treasury clearing, and foreign exchange facilities.

Citi Pakistan
Business & Corporate
•••• •••• •••• 5399
VALID THRU 12/29
Citi Commercial & Corporate Card (Pakistan)
Multinational Treasury Corporate Card ✈️ Airport Lounge

Citi Commercial & Corporate Card (Pakistan)

Elite corporate payment card tailored for multinational organizations operating in Pakistan, offering centralized travel expense management, SAP integration, and global lounge access.

Annual Fee Custom Institutional Pricing
Reward / Cashback Consolidated Corporate Rebates & Travel Savings
Interest / APR Custom Corporate Settlement
Foreign FX Fee 2.5% Institutional FX Rate
Core Card Perks & Highlights:
  • Automated ERP Integration: Seamless transaction export into SAP, Oracle, and enterprise expense systems.
  • VIP Executive Lounges: Complimentary global airport lounge access for executive business travel.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Global Airport Lounge Access via Mastercard Priority

0% Installments / Financing:

Consolidated Monthly Corporate Billing

Eligibility / Credit Score:

Multinational and Top Tier Pakistani Corporates

Welcome Offer:

Integration with ERP systems (SAP, Oracle)

Pros: + Worldwide corporate acceptance + Advanced expense tracking and audit controls + High single-purchase limits

German multinational investment bank operating in Pakistan, catering to corporate treasury management, trade finance, and institutional liquidity cards.

Deutsche Bank Pakistan
Business & Corporate
•••• •••• •••• 4720
VALID THRU 12/29
Deutsche Bank Corporate Treasury Card
VISA
Institutional Liquidity Corporate Card ✈️ Airport Lounge

Deutsche Bank Corporate Treasury Card

Specialized financial settlement instrument for German and European multinational companies operating in Pakistan, backed by Deutsche Bank Corporate Bank.

Annual Fee Institutional Contractual Pricing
Reward / Cashback Global Trade & Clearing Surcharge Waivers
Interest / APR Institutional Trade Credit Agreement
Foreign FX Fee 2.2% + Standard Regulatory Taxes
Core Card Perks & Highlights:
  • Cross-Border Treasury Settlement: Streamlined multi-currency settlement and liquidity management.
  • Enterprise Security & Audit: Custom spending restrictions, department budgets, and real-time fraud alerts.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

VIP Executive Lounge Access on select itineraries

0% Installments / Financing:

Custom Corporate Trade Terms

Eligibility / Credit Score:

Corporate & Institutional Clients Only

Welcome Offer:

Direct Treasury Portal Integration

Pros: + Elite European banking backing + Ideal for bilateral trade and manufacturing + Custom corporate limits

Pioneer in modern Islamic finance worldwide, offering luxury Shariah-compliant World Mastercard and Visa debit cards with Dubai and Pakistan lounge perks.

Dubai Islamic Bank
Islamic Shariah
•••• •••• •••• 5311
VALID THRU 12/29
DIB World Islamic Mastercard Debit Card
Global Islamic Luxury Debit Card ✈️ Airport Lounge

DIB World Islamic Mastercard Debit Card

Flagship Islamic debit card from Dubai Islamic Bank Pakistan, offering international airport lounge access across Dubai and Pakistan, free Takaful insurance, and premium halal discounts.

Annual Fee PKR 4,500 / year
Reward / Cashback Halal Dining & International Travel Privileges
Interest / APR 0% (Strictly Riba-Free)
Foreign FX Fee 2.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • Pakistan & Dubai Lounges: Free access to domestic CIP lounges in Pakistan and Marhaba Lounges at Dubai International Airport.
  • Global Travel Takaful: Complimentary travel medical insurance and emergency assistance.
  • Up to 30% Off Dining & Hotels: Exclusive rates at luxury UAE and Pakistani hotels and dining destinations.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Complimentary Pakistan Domestic CIP + Dubai Marhaba Lounges

0% Installments / Financing:

Debit Card (Direct Account Clearing)

Eligibility / Credit Score:

DIB Priority Account Holders

Welcome Offer:

Complimentary Dubai International Lounge Access

Pros: + Seamless Dubai airport benefits + Strict 100% Shariah compliance + High withdrawal limits
FWBL

Specialized commercial bank championing women empowerment, financial inclusion, and micro-entrepreneurship with affordable PayPak debit cards.

First Women Bank
Cashback
•••• •••• •••• 9402
VALID THRU 12/29
FWBL Women Entrepreneur PayPak Debit Card
PAYPAK
Women Financial Inclusion Debit Card ✈️ Airport Lounge

FWBL Women Entrepreneur PayPak Debit Card

Empowering female entrepreneurs and professionals across Pakistan with subsidized card maintenance, low ATM fees, and exclusive business networking discounts.

Annual Fee PKR 1,200 / year (Subsidized for Women)
Reward / Cashback Special Discounts at Female-Led Businesses
Interest / APR 0% (Direct Account Debit)
Foreign FX Fee Domestic Only
Core Card Perks & Highlights:
  • Women Entrepreneur Discounts: Subsidized partner discounts for business supplies, healthcare, and retail.
  • Affordable ATM Withdrawals: Low-cost cash withdrawals across all 1LINK connected ATMs in Pakistan.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Standard Debit (No lounge)

0% Installments / Financing:

Debit Card (Instant Account Settlement)

Eligibility / Credit Score:

Any FWBL account holder

Welcome Offer:

Free SMS alerts for first year

Pros: + Low annual maintenance cost + Dedicated support for female business owners + No minimum balance penalties on select accounts

Leading trade finance and commercial bank in Pakistan, offering Visa Platinum and Sirat Islamic debit cards with complimentary CIP lounge access.

HabibMetro
Premium & Luxury
•••• •••• •••• 4680
VALID THRU 12/29
HabibMetro Visa Platinum Debit Card
VISA
Trade & Executive Banking Debit Card 🛡️ 0% Foreign FX ✈️ Airport Lounge

HabibMetro Visa Platinum Debit Card

Executive debit card by HabibMetro catering to trade finance clients and professionals with free CIP airport lounge visits, enhanced ATM limits, and nationwide discounts.

Annual Fee PKR 4,200 / year
Reward / Cashback Exclusive Dining and Business Travel Privileges
Interest / APR 0% (Direct Account Debit)
Foreign FX Fee 3.0% + SBP Advance Tax
Core Card Perks & Highlights:
  • CIP Airport Lounge Access: Free access to domestic CIP lounges at Karachi, Lahore, and Islamabad airports.
  • High Daily Limits: Cash withdrawal up to PKR 200,000 and POS spending up to PKR 500,000 daily.
  • Dining Discounts: Up to 25% discount at partner restaurants across Pakistan.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Complimentary Domestic CIP Lounge Access in Pakistan

0% Installments / Financing:

Debit Card (Instant Account Settlement)

Eligibility / Credit Score:

HabibMetro Account Holders

Welcome Offer:

Complimentary ATM snatching coverage

Pros: + Excellent commercial and trade support + Complimentary lounge entry + Reliable international Visa processing

World's largest bank by assets, supporting China-Pakistan Economic Corridor (CPEC) trade with UnionPay dual-currency (PKR/CNY) card solutions.

ICBC Pakistan
Travel & Airline
•••• •••• •••• 6222
VALID THRU 12/29
ICBC UnionPay Dual Currency Card (PKR/CNY)
UNIONPAY
CPEC Trade & Travel Card Debit Card 🛡️ 0% Foreign FX ✈️ Airport Lounge

ICBC UnionPay Dual Currency Card (PKR/CNY)

Revolutionary dual-currency debit card issued by ICBC Pakistan for businessmen and travelers between China and Pakistan, settling directly in PKR or CNY with zero FX currency markup.

Annual Fee PKR 5,000 / year
Reward / Cashback Zero Currency Conversion Markup in Mainland China
Interest / APR 0% (Direct Account Debit)
Foreign FX Fee 0% FX Fee on CNY transactions in China
Core Card Perks & Highlights:
  • 0% FX Conversion in China: Spend directly from your CNY sub-account in mainland China without foreign exchange fees.
  • China Airport Lounges: Access UnionPay high-speed rail and airport VIP lounges across major Chinese cities.
  • CPEC Business Facilitation: Tailored for cross-border commerce, trade procurement, and student expenditures.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

UnionPay Diamond Lounges in Beijing, Shanghai & Guangzhou

0% Installments / Financing:

Debit Card (Instant Account Settlement)

Eligibility / Credit Score:

ICBC Pakistan Account Holders & CPEC Executives

Welcome Offer:

Direct settlement in Chinese Yuan (CNY) & PKR

Pros: + Eliminates currency conversion losses for China travel + Widely accepted across all UnionPay merchants in China and Pakistan + High security standards

Pakistan's historic primary industrial development financing institution, providing structured commercial debit and corporate facility access.

IDBP
Business & Corporate
•••• •••• •••• 9481
VALID THRU 12/29
IDBP Industrial SME Corporate Card
PAYPAK
Industrial Financing Tool Corporate Card ✈️ Airport Lounge

IDBP Industrial SME Corporate Card

Specialized corporate payment instrument by IDBP facilitating equipment acquisition, industrial utility bill payments, and operational cash management for Pakistani manufacturing SMEs.

Annual Fee PKR 2,000 / year
Reward / Cashback SME Equipment & Inventory Financing Facility
Interest / APR Industrial Concessionary Rates
Foreign FX Fee Domestic Only
Core Card Perks & Highlights:
  • Factory & Utility Settlement: Convenient bill settlement for heavy industrial power and gas tariffs.
  • 1LINK Network Access: Nationwide cash access across all commercial bank ATMs in Pakistan.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Standard Industrial Card (No lounge)

0% Installments / Financing:

Custom Industrial Loan Amortization

Eligibility / Credit Score:

Manufacturing and SME Borrowers

Welcome Offer:

Direct link to state industrial credit lines

Pros: + Low administrative fee + Direct link to long-term industrial loans + Specialized for manufacturers
JS BANK

JS Bank Limited

Karachi, Pakistan • Official Portal →

Dynamic and fast-growing bank in Pakistan, famous for JS Platinum credit cards, 0% Buy Now Pay Later installments, and widespread lifestyle dining discounts.

JS Bank
Premium & Luxury
•••• •••• •••• 4532
VALID THRU 12/29
JS Bank Platinum Credit Card
VISA
Lifestyle & Travel Choice Credit Card ✈️ Airport Lounge

JS Bank Platinum Credit Card

Feature-packed premium credit card by JS Bank, offering free domestic CIP airport lounge access, 0% markup installment plans on electronics, and up to 30% discount at fine dining spots.

Annual Fee PKR 9,000 (Waived on PKR 90k annual spend)
Reward / Cashback 2x Reward Points on Fine Dining & International Spends
Interest / APR KIBOR + 14% p.a.
Foreign FX Fee 3.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • Complimentary CIP Lounge Access: Free access to domestic CIP lounges in Karachi, Lahore, and Islamabad.
  • 0% Buy Now Pay Later: Convert purchases of PKR 5,000 or more into zero-markup installments for up to 12 months.
  • Up to 30% Off Dining: Discounts at hundreds of restaurants across all major Pakistani cities.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Complimentary domestic CIP airport lounge access

0% Installments / Financing:

JS BNPL: 0% markup installments up to 12 months

Eligibility / Credit Score:

Min Monthly Income: PKR 110,000

Welcome Offer:

3,500 Bonus Points on card activation

Pros: + Accessible spend-based annual fee waiver + Frequent dining and electronics promotional campaigns + Fast digital onboarding
MCB ISLAMIC

Dedicated Islamic banking subsidiary of MCB Bank, providing Shariah-certified World Mastercard debit cards with domestic VIP CIP lounge entry.

MCB Islamic
Islamic Shariah
•••• •••• •••• 5490
VALID THRU 12/29
MCB Islamic World Mastercard Debit Card
World Islamic Luxury Debit Card ✈️ Airport Lounge

MCB Islamic World Mastercard Debit Card

Premier Islamic debit card from MCB Islamic Bank, combining 100% Shariah compliance, domestic CIP airport lounge access, high ATM limits, and generous discounts at halal merchants.

Annual Fee PKR 4,800 / year
Reward / Cashback Halal Dining & Healthcare Privileges
Interest / APR 0% (Strictly Riba-Free)
Foreign FX Fee 2.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • Certified Islamic Structure: 100% compliant with Islamic principles approved by Shariah Supervisory Board.
  • Free CIP Lounge Visits: Complimentary domestic CIP airport lounge access in Karachi, Lahore, and Islamabad.
  • Takaful Protection: Free ATM cash snatching and accidental hospital coverage.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Complimentary Domestic CIP Lounge Access in Pakistan

0% Installments / Financing:

Debit Card (Direct Account Clearing)

Eligibility / Credit Score:

MCB Islamic Account Holders

Welcome Offer:

Complimentary Takaful Protection

Pros: + Certified Riba-free banking + Complimentary airport lounge visits + High daily spending allowance

The largest state-owned public commercial bank in Pakistan, managing government treasuries, state salaries, and serving millions with PayPak and Visa cards.

NBP
Cashback
•••• •••• •••• 4102
VALID THRU 12/29
NBP Visa Gold Debit Card
VISA
National Bank Gold Standard Debit Card 🛡️ 0% Foreign FX ✈️ Airport Lounge

NBP Visa Gold Debit Card

Accessible, trusted debit card from Pakistan's premier state-owned commercial bank, supporting international online shopping, nationwide ATM withdrawals, and NBP Digital integration.

Annual Fee PKR 2,500 / year
Reward / Cashback Utility Bill Cashback & Retail Discounts
Interest / APR 0% (Direct Account Debit)
Foreign FX Fee 3.0% + SBP Advance Tax
Core Card Perks & Highlights:
  • Nation's Largest Branch Support: Backed by over 1,500 NBP branches across every district in Pakistan.
  • Utility Bill Payment Discounts: Zero transaction fee on government utility and fee payments via NBP Digital.
  • Visa EMV Contactless: Protected with secure chip technology for domestic and international shopping.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Standard Gold Card (No lounge)

0% Installments / Financing:

Debit Card (Instant Account Settlement)

Eligibility / Credit Score:

Any NBP Account Holder

Welcome Offer:

Free NBP Digital mobile banking access

Pros: + Huge nationwide branch network + Affordable annual fee + Reliable government payroll and pension integration

Specialized cooperative bank established in 1924, providing direct agri-subsidies, Kisan credit cards, and rural financial empowerment in Punjab.

PPCBL
Agricultural & Kisan
•••• •••• •••• 9440
VALID THRU 12/29
PPCBL Cooperative Kisan Card
PAYPAK
Rural Farmers Cooperative Kisan Debit Card ✈️ Airport Lounge

PPCBL Cooperative Kisan Card

Community-focused cooperative debit card providing direct crop input subsidies, low-interest microcredit, and secure payment facilities for Punjab agricultural societies.

Annual Fee PKR 800 / year (Subsidized)
Reward / Cashback Direct Punjab Farmer Subsidy Grants
Interest / APR Subsidized Punjab Agri Mark-up
Foreign FX Fee Domestic Only
Core Card Perks & Highlights:
  • Punjab Farmer Subsidies: Direct digital subsidy transfers on pesticides, diesel, and agricultural machinery.
  • Free 1LINK ATM Access: Withdraw agricultural funds without extra fee across rural ATM hubs.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Specialized Rural Card (No lounge)

0% Installments / Financing:

Biannual Crop Harvest Repayments

Eligibility / Credit Score:

Members of Punjab Cooperative Societies

Welcome Offer:

Zero account maintenance fee for rural cooperatives

Pros: + Lowest annual fee in Pakistan + Direct link to cooperative credit societies + Tailored for smallholder farmers
SAMBA

Samba Bank Limited

Karachi, Pakistan • Official Portal →

Affiliate of Saudi National Bank (SNB), providing high-net-worth clients in Pakistan with luxury Visa Signature credit cards and global travel perks.

Samba Bank
Premium & Luxury
•••• •••• •••• 4790
VALID THRU 12/29
Samba Visa Signature Credit Card
VISA
Signature Elite Status Credit Card ✈️ Airport Lounge

Samba Visa Signature Credit Card

Affiliate of Saudi National Bank (SNB), offering elite Visa Signature privileges, complimentary international airport lounge visits, multi-tiered points, and 0% installments.

Annual Fee PKR 12,000 / year
Reward / Cashback 3x Samba Rewards on International Travel
Interest / APR KIBOR + 14% p.a.
Foreign FX Fee 3.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • Global LoungeKey Access: Free access to domestic CIP lounges plus 1,000+ international airport lounges worldwide.
  • Triple Points on Travel: Earn 3x Samba points on airlines, hotels, and international retail spends.
  • Travel Accident Insurance: Comprehensive multi-trip travel insurance coverage up to $100,000.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Complimentary domestic CIP lounges in Pakistan + 1,000+ LoungeKey lounges

0% Installments / Financing:

Samba Smart Installment: 0% markup up to 12 months

Eligibility / Credit Score:

Min Monthly Income: PKR 150,000

Welcome Offer:

4,000 Welcome Reward Points

Pros: + Worldwide LoungeKey airport lounge access + Strong Middle East & Gulf partner benefits + 0% markup installment plans
SINDH BANK

Sindh Bank Limited

Karachi, Pakistan • Official Portal →

Provincial commercial bank owned by Government of Sindh, operating over 330 online branches with EMV PayPak and Visa debit solutions.

Sindh Bank
Cashback
•••• •••• •••• 4221
VALID THRU 12/29
Sindh Bank Visa Debit Card
VISA
Everyday Regional Value Debit Card 🛡️ 0% Foreign FX ✈️ Airport Lounge

Sindh Bank Visa Debit Card

Reliable Visa debit card issued by Sindh Bank, giving customers safe nationwide and international purchasing power, online e-commerce security, and dining savings.

Annual Fee PKR 2,800 / year
Reward / Cashback Provincial Retail & Dining Discounts
Interest / APR 0% (Direct Account Debit)
Foreign FX Fee 3.0% + SBP Advance Tax
Core Card Perks & Highlights:
  • 330+ Online Branches: Backed by Sindh Bank's online network across Sindh and major national cities.
  • Dining Discounts: Special discounts at partner restaurants in Karachi, Hyderabad, and Sukkur.
  • Visa 3D Secure Protection: Safe online shopping with OTP authentication and EMV chip defense.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Standard Debit (No lounge)

0% Installments / Financing:

Debit Card (Instant Account Settlement)

Eligibility / Credit Score:

Sindh Bank Account Holders

Welcome Offer:

Free SMS alerts for first 3 months

Pros: + Government backed security + Affordable annual fee + Smooth provincial government salary processing

Pakistan's top digital fintech and microfinance bank, empowering tens of millions with instant in-app PayPak debit cards and virtual online Mastercards.

Easypaisa
Digital & Microfinance
•••• •••• •••• 9501
VALID THRU 12/29
Easypaisa PayPak Debit Card
PAYPAK
Instant Digital Wallet Card Debit Card ✈️ Airport Lounge

Easypaisa PayPak Debit Card

Pakistan's most popular fintech debit card, ordered with one tap in the Easypaisa app, linked directly to your mobile balance, and accepted at all 1LINK ATMs and POS machines nationwide.

Annual Fee PKR 1,000 one-time fee (Zero Recurring)
Reward / Cashback Instant Cashback & Mobile Load Bonuses
Interest / APR 0% (Linked to Mobile Wallet)
Foreign FX Fee Domestic Only
Core Card Perks & Highlights:
  • One-Tap App Ordering: Order directly from your phone and receive the physical card delivered to your doorstep.
  • In-App Cashback Offers: Frequent cashback on groceries, fuel stations, and cinema tickets.
  • Instant In-App Card Lock: Freeze or change your ATM PIN instantly from the Easypaisa mobile app.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Standard Digital Card (No lounge)

0% Installments / Financing:

Easypaisa Easycash Nano Loans in App

Eligibility / Credit Score:

Any verified Easypaisa wallet user

Welcome Offer:

PKR 100 Cashback on first card transaction

Pros: + No bank branch visit required + Zero annual recurring maintenance fee + Instant transaction notifications in app
Easypaisa
Zero Annual Fee
•••• •••• •••• 5109
VALID THRU 12/29
Easypaisa Virtual Online Mastercard
Instant Digital Card Debit Card ✈️ Airport Lounge

Easypaisa Virtual Online Mastercard

Free instant virtual debit card generated right inside the Easypaisa smartphone app, designed for safe online shopping on Netflix, Daraz, Google Play, and international platforms.

Annual Fee PKR 0 (100% Free Virtual Card)
Reward / Cashback Zero Surcharge on Local E-Commerce
Interest / APR 0% (Prepaid Wallet Debit)
Foreign FX Fee 3.5% + SBP Advance Tax on International Sites
Core Card Perks & Highlights:
  • Zero Fee Generation: Create a virtual card in seconds without paying any issuing or yearly fees.
  • Total Card Control: Set custom daily spending limits and delete or regenerate card numbers anytime.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Virtual Card (No lounge)

0% Installments / Financing:

Debit Card (Instant Account Settlement)

Eligibility / Credit Score:

Any Easypaisa app user

Welcome Offer:

Instant digital generation in 30 seconds

Pros: + 100% Free of charge + Instant delivery within the app + Safe for subscription trials and online shopping
SME

SME Bank Limited

Islamabad, Pakistan • Official Portal →

Specialized development financial institution providing small and medium enterprises with working capital debit cards and commercial transaction tools.

SME Bank
Business & Corporate
•••• •••• •••• 9460
VALID THRU 12/29
SME Enterprise Business Debit Card
PAYPAK
Small Enterprise Tool Corporate Card ✈️ Airport Lounge

SME Enterprise Business Debit Card

Business debit card designed by SME Bank to assist small enterprise owners in paying suppliers, purchasing raw materials, and managing business cash flows securely.

Annual Fee PKR 1,500 / year
Reward / Cashback SME Working Capital Line Integration
Interest / APR Concessionary SME Mark-up
Foreign FX Fee Domestic Only
Core Card Perks & Highlights:
  • Business Expense Isolation: Keep business inventory and payroll expenses separated from personal finances.
  • 1LINK Nationwide ATMs: Withdraw working capital at over 16,000 ATMs across Pakistan.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Standard Business Card (No lounge)

0% Installments / Financing:

Custom SME Loan Term Settlement

Eligibility / Credit Score:

Registered Small & Medium Enterprises

Welcome Offer:

Direct access to business loans

Pros: + Low annual maintenance fee + Tailored for small workshop and trade businesses + Government backed inclusion
SONERI

Innovative commercial bank with over 400 branches, offering Soneri World Mastercard debit cards, Mustaqeem Islamic cards, and Roshan Digital accounts.

Soneri Bank
Premium & Luxury
•••• •••• •••• 5401
VALID THRU 12/29
Soneri World Mastercard Debit Card
Soneri Executive World Debit Card ✈️ Airport Lounge

Soneri World Mastercard Debit Card

Top-tier World Mastercard debit card from Soneri Bank, offering domestic CIP airport lounge entry, elevated daily cash withdrawal thresholds, and international Mastercard perks.

Annual Fee PKR 5,000 / year
Reward / Cashback Soneri Lifestyle & Travel Rewards
Interest / APR 0% (Direct Account Debit)
Foreign FX Fee 2.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • CIP Airport Lounge Access: Free access to domestic CIP lounges in Karachi, Lahore, and Islamabad.
  • PKR 250,000 Daily ATM Limit: High cash access and up to PKR 600,000 daily POS retail transaction allowance.
  • Soneri Dining & Healthcare: Up to 30% discount at partner fine dining and diagnostic centers.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Complimentary domestic CIP airport lounge access in Pakistan

0% Installments / Financing:

Debit Card (Instant Account Settlement)

Eligibility / Credit Score:

Soneri Bank Priority Account Holders

Welcome Offer:

Complimentary domestic CIP lounge access

Pros: + High daily transaction limits + Complimentary CIP lounge visits + Roshan Digital Account compatibility

Modern Islamic commercial bank transitioning to 100% Shariah operations, offering Visa Platinum Islamic debit cards and digital banking conveniences.

Bank Makramah
Islamic Shariah
•••• •••• •••• 4870
VALID THRU 12/29
Bank Makramah Visa Platinum Islamic Debit Card
VISA
Makramah Islamic Elite Debit Card ✈️ Airport Lounge

Bank Makramah Visa Platinum Islamic Debit Card

Premier Islamic debit card from Bank Makramah Limited, offering certified Shariah-compliant payments, domestic CIP airport lounge visits, and contactless Visa security.

Annual Fee PKR 3,600 / year
Reward / Cashback Halal Dining & Lifestyle Discounts
Interest / APR 0% (Strictly Riba-Free)
Foreign FX Fee 2.5% + SBP Advance Tax
Core Card Perks & Highlights:
  • 100% Shariah Compliant: Governed by Islamic banking standards with strict zero-Riba guarantees.
  • CIP Airport Lounge Access: Complimentary domestic CIP lounge access at major Pakistani airports.
  • Visa EMV Contactless: Fast, tap-and-pay transactions protected with 3D Secure OTP verification.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Complimentary Domestic CIP Lounge Access in Pakistan

0% Installments / Financing:

Debit Card (Instant Account Settlement)

Eligibility / Credit Score:

Bank Makramah Account Holders

Welcome Offer:

Complimentary Takaful Cash Protection

Pros: + Certified Islamic transition banking + Free domestic CIP lounge entry + Competitive annual fee

Japan's premier global bank operating corporate branches in Pakistan, supporting bilateral trade, Japanese joint ventures, and institutional commercial settlement.

MUFG Bank Pakistan
Business & Corporate
•••• •••• •••• 4990
VALID THRU 12/29
MUFG Corporate Executive Settlement Card
VISA
Multinational Corporate Facility Corporate Card 🛡️ 0% Foreign FX ✈️ Airport Lounge

MUFG Corporate Executive Settlement Card

Specialized corporate commercial payment card by MUFG Bank Pakistan facilitating trade procurement, executive travel expenses, and institutional supply chain settlement.

Annual Fee Institutional Multinational Pricing
Reward / Cashback Japan-Pakistan Bilateral Trade Procurement Rebates
Interest / APR Corporate Facility Agreement
Foreign FX Fee 2.0% Wholesale Interbank FX Rate
Core Card Perks & Highlights:
  • Bilateral Corporate Trade Settlement: Designed for Japanese multinationals and corporate joint ventures in Pakistan.
  • VIP Airport Lounge Access: Global lounge access across Japan, Pakistan, and Asian financial capitals.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

VIP Executive Lounges in Tokyo, Karachi & Global Hubs

0% Installments / Financing:

Monthly Consolidated Corporate Clearing

Eligibility / Credit Score:

Multinational & Japanese Joint Venture Corporates

Welcome Offer:

Direct link to MUFG Global Corporate Clearing

Pros: + Unmatched backing by Japan's largest financial group + Wholesale corporate FX rates + Institutional expense reporting

Pakistan's foremost agricultural development bank, delivering government Kissan credit cards, subsidized farm machinery credit, and nationwide rural ATM access.

ZTBL
Agricultural & Kisan
•••• •••• •••• 9520
VALID THRU 12/29
ZTBL Kissan Dost Agriculture Card
PAYPAK
National Agricultural Foundation Kisan Debit Card ✈️ Airport Lounge

ZTBL Kissan Dost Agriculture Card

Pakistan's flagship agricultural card issued by ZTBL, connecting millions of farmers to subsidized agricultural loans, direct government fertilizer subsidies, and rural cash access.

Annual Fee PKR 900 / year (Subsidized by Ministry of Agriculture)
Reward / Cashback Direct Federal Fertilizer and Seed Subsidies
Interest / APR State Bank Concessionary Agri Rate
Foreign FX Fee Domestic Only
Core Card Perks & Highlights:
  • Direct Federal Farm Subsidies: Direct transfer of federal and provincial subsidies on DAP, urea, and solar tube-well schemes.
  • Nationwide Rural ATM Access: Convenient cash withdrawals across 500+ ZTBL branches and all 1LINK ATMs.
  • Rabi & Kharif Harvest Cycles: Repayment aligned with crop harvest cycles to ease financial burdens on farmers.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Specialized Agriculture Card (No lounge)

0% Installments / Financing:

Semiannual Harvest Payment Cycles (Rabi / Kharif)

Eligibility / Credit Score:

Registered Pakistani farmers and landowners

Welcome Offer:

Free SMS alerts for farming subsidies

Pros: + Subsidized loan mark-up rates + Low annual fee + Deepest rural outreach in Pakistan
🇺🇸

United States Bank Cards

America's Best Rewards, Cashback, Travel, and 0% APR Credit Cards

Currency: USD ($)
Banks Directory

Explore by Bank 7 Banks

Click on any bank below to view its available credit and debit cards, annual fee waivers, and exclusive privileges.

CHASE
2 Cards

JPMorgan Chase & Co.

New York, NY, USA

AMEX
2 Cards

American Express

New York, NY, USA

CAPITAL ONE
1 Card

Capital One

McLean, VA, USA

BofA
1 Card

Bank of America

Charlotte, NC, USA

CITI
1 Card

Citigroup (Citi)

New York, NY, USA

DISCOVER
1 Card

Discover Financial

Riverwoods, IL, USA

WELLS FARGO
1 Card

Wells Fargo

San Francisco, CA, USA

CHASE

The largest bank in the United States, famous for the Chase Ultimate Rewards ecosystem, Sapphire travel cards, and Freedom cash-back family.

Chase
Travel & Miles
•••• •••• •••• 4147
VALID THRU 12/29
Chase Sapphire Preferred® Card
VISA
Best Overall Travel Card Credit Card 🛡️ 0% Foreign FX

Chase Sapphire Preferred® Card

The gold standard in travel credit cards. Points are worth 25% more when redeemed for travel through Chase, with 1:1 point transfers to United, Southwest, Hyatt, and British Airways.

Annual Fee $95 / year
Reward / Cashback 5x on Travel via Chase, 3x on Dining, 2x on Other Travel
Interest / APR 21.49% - 28.49% Variable
Foreign FX Fee $0 (Zero Foreign Transaction Fees Abroad)
Core Card Perks & Highlights:
  • 1:1 Point Transfer Partners: Transfer points 1:1 to airline and hotel loyalty programs like World of Hyatt and United MileagePlus.
  • 25% Value Redemption Boost: Get 25% more value when you redeem for airfare, hotels, or car rentals through Chase Travel.
  • $50 Annual Ultimate Rewards Hotel Credit: Receive up to $50 in statement credits each account anniversary year for hotels booked through Chase.
  • No Foreign Transaction Fees: Travel internationally without incurring the typical 3% foreign exchange surcharge.
  • Primary Auto Rental Collision Damage Waiver: Decline the rental company's collision insurance and charge the entire cost to your card.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

None included (Upgrade to Sapphire Reserve for Priority Pass)

0% Installments / Financing:

Chase My Chase Plan® available at fixed monthly fee

Eligibility / Credit Score:

Good to Excellent (690 - 850)

Welcome Offer:

60,000 Bonus Points ($750 toward travel) after $4,000 spend in 3 months

Pros: + Huge welcome bonus and 1:1 point transfers + Primary auto rental insurance + Affordable $95 annual fee
Chase
Zero Annual Fee
•••• •••• •••• 4288
VALID THRU 12/29
Chase Freedom Unlimited®
VISA
Best Zero-Fee Cash Back Credit Card

Chase Freedom Unlimited®

The ultimate everyday companion card with no annual fee, 1.5% flat cash back on all purchases, 3% on dining and drugstores, and a 15-month 0% intro APR period.

Annual Fee $0 Free Forever
Reward / Cashback 1.5% Unlimited Cash Back + 5% on Chase Travel + 3% on Dining & Drugstores
Interest / APR 0% Intro APR for 15 months, then 20.49% - 29.24%
Foreign FX Fee 3% of each transaction in US dollars
Core Card Perks & Highlights:
  • 1.5% Flat Unlimited Cash Back: Earn at least 1.5% cash back on every single purchase with no caps or rotating categories.
  • 3% on Dining & Drugstores: Includes takeout, eligible delivery services, and drugstore prescriptions.
  • 0% Intro APR for 15 Months: 0% intro APR on purchases and balance transfers for your first 15 months.
  • $0 Annual Fee: Maximize cash rewards without worrying about an annual membership charge.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

None

0% Installments / Financing:

0% Intro APR for 15 months on purchases and balance transfers

Eligibility / Credit Score:

Good to Excellent (670 - 850)

Welcome Offer:

$200 Bonus after spending $500 in first 3 months

Pros: + No annual fee + Combines with Chase Sapphire to convert cash back into transferrable points + 15-month 0% intro APR
AMEX

American Express

New York, NY, USA • Official Portal →

Global premier charge and credit card company renowned for luxury travel perks, Centurion Lounges, and high-value Membership Rewards.

American Express (Amex)
Rewards
•••• •••• •••• 1004
VALID THRU 12/29
American Express® Gold Card
AMEX
Best for Dining & Groceries Credit Card 🛡️ 0% Foreign FX

American Express® Gold Card

A powerhouse for foodies. Earn 4x points at restaurants worldwide and US supermarkets, accompanied by up to $120 in Uber Cash and $120 dining credit annually.

Annual Fee $325 / year
Reward / Cashback 4x Points at Restaurants & US Supermarkets (up to $25k/yr)
Interest / APR See Pay Over Time APR (or Pay in Full Monthly)
Foreign FX Fee $0 (No Foreign Transaction Fees)
Core Card Perks & Highlights:
  • 4x Points on Dining & US Supermarkets: Earn 4x points on restaurant dining and up to $25,000 per year at US supermarkets.
  • $120 Annual Uber Cash: $10/month in Uber Cash for US rides or Uber Eats orders when added to your Uber account.
  • $120 Annual Dining Statement Credit: Earn up to $10/month in statement credits at Grubhub, The Cheesecake Factory, and Goldbelly.
  • No Foreign Transaction Fees: Pay zero foreign transaction fees when traveling outside the US.
  • Heavy Premium Metal Card Design: Crafted in Rose Gold or classic Gold metal.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

None (See Amex Platinum for Centurion Lounges)

0% Installments / Financing:

Amex Pay Over Time option available

Eligibility / Credit Score:

Good to Excellent (690 - 850)

Welcome Offer:

60,000 Membership Rewards® Points after $6,000 spend in 6 months

Pros: + Unmatched 4x reward rate on food and groceries + Up to $240+ in annual dining/rideshare credits + Premium metal feel
American Express (Amex)
Premium & Luxury
•••• •••• •••• 1008
VALID THRU 12/29
The Platinum Card® from American Express
AMEX
Ultimate Luxury Travel Icon Credit Card 🛡️ 0% Foreign FX ✈️ Airport Lounge

The Platinum Card® from American Express

The premier luxury travel charge card offering unmatched Centurion Lounge & Priority Pass access, automatic Marriott & Hilton elite status, and over $1,500 in annual credits.

Annual Fee $695 / year
Reward / Cashback 5x Points on Flights & Prepaid Hotels booked on Amex Travel
Interest / APR See Pay Over Time APR
Foreign FX Fee $0 (No Foreign Transaction Fees)
Core Card Perks & Highlights:
  • American Express Global Lounge Collection®: Complimentary access to Centurion Lounges, Priority Pass, Delta Sky Clubs, and Escape Lounges.
  • $200 Hotel Credit & Elite Status: $200 back on prepaid Fine Hotels + Resorts bookings plus automatic Hilton Gold and Marriott Gold status.
  • $200 Airline Fee Credit: Up to $200 per calendar year in statement credits for checked bags and seat selection with your selected airline.
  • $240 Digital Entertainment Credit: Up to $20/month back on Disney+, Hulu, ESPN+, The New York Times, and Peacock.
  • $199 CLEAR Plus & TSA PreCheck / Global Entry Credit: Breeze through airport security with statement credits for CLEAR Plus and Global Entry.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Unlimited Centurion, Priority Pass, Delta Sky Club & Escape Lounges

0% Installments / Financing:

Amex Pay Over Time available on eligible charges

Eligibility / Credit Score:

Good to Excellent (700 - 850)

Welcome Offer:

80,000 Points after $8,000 spend in first 6 months

Pros: + Best airport lounge network in the credit card industry + Huge annual statement credit ecosystem + Top flight point multiplier (5x)
CAPITAL ONE

Capital One

McLean, VA, USA • Official Portal →

Customer-favorite credit card issuer with no foreign transaction fees across all cards, Venture X premium travel benefits, and simple cashback rewards.

Capital One
Travel & Miles
•••• •••• •••• 4009
VALID THRU 12/29
Capital One Venture X Rewards Credit Card
VISA
Best Value Luxury Travel Credit Card 🛡️ 0% Foreign FX ✈️ Airport Lounge

Capital One Venture X Rewards Credit Card

Effectively pays for itself every year with a $300 annual travel credit and 10,000 bonus anniversary miles ($100 value), plus unlimited Capital One & Priority Pass lounge visits.

Annual Fee $395 / year
Reward / Cashback 10x on Hotels & Rental Cars, 5x on Flights, 2x on Everything Else
Interest / APR 19.99% - 29.99% Variable
Foreign FX Fee $0 (No Foreign Transaction Fees)
Core Card Perks & Highlights:
  • $300 Annual Travel Credit: Receive $300 back annually for bookings through Capital One Travel.
  • 10,000 Anniversary Bonus Miles: Get 10,000 bonus miles every year starting on your first anniversary (worth $100+).
  • Unlimited Capital One & Priority Pass Lounge Access: Complimentary lounge access for you and 2 guests at 1,300+ lounges globally.
  • Free Authorized Users with Lounge Access: Add up to 4 authorized users for free, and they each receive their own Priority Pass membership!
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Unlimited Capital One Lounges & Priority Pass for cardholder + 2 guests

0% Installments / Financing:

Eligible for Capital One installment financing

Eligibility / Credit Score:

Excellent (720 - 850)

Welcome Offer:

75,000 Miles ($750 toward travel) after $4,000 spend in first 3 months

Pros: + $300 credit + 10k miles fully covers the $395 annual fee + Free authorized users get lounge access + Simple 2x miles on everything
BofA

Bank of America

Charlotte, NC, USA • Official Portal →

Full-service financial leader offering Preferred Rewards tiered boosts, Customized Cash categories, and travel credit rewards.

Bank of America
Cashback
•••• •••• •••• 4091
VALID THRU 12/29
Bank of America® Customized Cash Rewards
VISA
Best Flexible 3% Category Credit Card

Bank of America® Customized Cash Rewards

Choose your own 3% cash back category (gas, online shopping, dining, travel, drugstores, or home improvement) plus 2% at grocery stores and wholesale clubs.

Annual Fee $0 Free Forever
Reward / Cashback 3% Cash Back in category of choice + 2% at grocery stores/wholesale clubs
Interest / APR 0% Intro APR for 15 billing cycles, then 19.24% - 29.24%
Foreign FX Fee 3% of the US dollar amount of each transaction
Core Card Perks & Highlights:
  • Choose Your 3% Category: Switch your 3% cash back category monthly to match your seasonal spending plans.
  • Preferred Rewards Boost up to 75%: Bank of America Preferred Rewards members earn 25% to 75% more cash back (up to 5.25% on 3% category).
  • 0% Intro APR for 15 Billing Cycles: 0% introductory APR on purchases and balance transfers.
  • $0 Annual Fee: No annual fee to worry about.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

None

0% Installments / Financing:

0% Intro APR for 15 billing cycles

Eligibility / Credit Score:

Good to Excellent (670 - 850)

Welcome Offer:

$200 Online Cash Rewards bonus after $1,000 spend in first 90 days

Pros: + Flexible 3% category selection + Massive bonus for Preferred Rewards banking clients + No annual fee
CITI

Citigroup (Citi)

New York, NY, USA • Official Portal →

Global banking powerhouse behind the Double Cash 2% cash-back standard, Custom Cash 5% categories, and ThankYou points network.

Citi
Cashback
•••• •••• •••• 5424
VALID THRU 12/29
Citi® Double Cash Card
Simple 2% Cash Back Credit Card

Citi® Double Cash Card

Simplicity at its best: earn 1% when you buy and an additional 1% as you pay those purchases off, with no category restrictions or annual fees.

Annual Fee $0 Free Forever
Reward / Cashback 2% Total Cash Back (1% when you buy + 1% when you pay)
Interest / APR 0% Intro APR on Balance Transfers for 18 months, then 19.24% - 29.24%
Foreign FX Fee 3% of each purchase in US dollars
Core Card Perks & Highlights:
  • 2% Unlimited Cash Back Everywhere: 1% cash back at purchase + 1% as you pay off your balance.
  • 18-Month 0% Balance Transfer Offer: One of the longest zero-interest balance transfer windows in the country.
  • Zero Annual Fee: Enjoy continuous 2% earnings with zero annual maintenance cost.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

None

0% Installments / Financing:

0% Intro APR on balance transfers for 18 months

Eligibility / Credit Score:

Good to Excellent (670 - 850)

Welcome Offer:

$200 Cash Back bonus after $1,500 spend in first 6 months

Pros: + Simple flat 2% return + Exceptional 18-month 0% balance transfer window + Converts to Citi ThankYou points
DISCOVER

Discover Financial

Riverwoods, IL, USA • Official Portal →

Pioneered cash rewards in America; famous for first-year Cashback Match, no annual fee ever, and award-winning 100% US-based customer service.

Discover
Cashback
•••• •••• •••• 6011
VALID THRU 12/29
Discover it® Cash Back
DISCOVER
Best First-Year Match Credit Card 🛡️ 0% Foreign FX

Discover it® Cash Back

Famous for its 5% rotating quarterly categories (Amazon, grocery stores, restaurants, gas stations) and the generous Cashback Match that doubles everything you earn at the end of year one.

Annual Fee $0 Free Forever
Reward / Cashback 5% Cash Back on Quarterly Rotating Categories (up to $1,500/quarter)
Interest / APR 0% Intro APR for 15 months, then 17.24% - 28.24%
Foreign FX Fee $0 (No Foreign Transaction Fees)
Core Card Perks & Highlights:
  • Unlimited Cashback Match™ in Year 1: Turn $150 cash back into $300, or $300 into $600 with no minimum spending or maximum limit.
  • 5% Rotating Categories: Earn 5% cash back each quarter on up to $1,500 in purchases upon enrollment.
  • $0 Annual Fee & No Foreign Transaction Fees: Zero annual fee and no extra charges on international purchases.
  • Free Online Privacy Protection: Helps remove your personal info from 10 popular people-search sites.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

None

0% Installments / Financing:

0% Intro APR for 15 months

Eligibility / Credit Score:

Good (670 - 740)

Welcome Offer:

Unlimited Cashback Match™: Discover automatically matches ALL cash back earned in Year 1

Pros: + Doubled cash back in first year with Cashback Match + No annual fee + No late fee on first late payment
WELLS FARGO

Wells Fargo

San Francisco, CA, USA • Official Portal →

Historic American bank delivering top flat-rate 2% cash back with Active Cash, competitive 0% intro APR offers, and built-in cell phone protection.

Wells Fargo
Zero Annual Fee
•••• •••• •••• 4718
VALID THRU 12/29
Wells Fargo Active Cash® Card
VISA
Top Flat 2% Cash Card Credit Card

Wells Fargo Active Cash® Card

Hassle-free unlimited 2% cash rewards on purchases with zero caps or categories to track, plus complimentary $600 cell phone protection when paying monthly bill.

Annual Fee $0 Free Forever
Reward / Cashback Unlimited 2% Cash Rewards on All Purchases
Interest / APR 0% Intro APR for 15 months, then 20.24% - 29.99%
Foreign FX Fee 3% of each transaction in US dollars
Core Card Perks & Highlights:
  • Unlimited 2% Cash Back: Earn 2% cash rewards on every single purchase with no tracking required.
  • Up to $600 Cellular Phone Protection: Pay your monthly mobile bill with the card to get up to $600 protection against damage or theft.
  • $200 Fast Welcome Bonus: Earn $200 bonus after just $500 in purchases in first 3 months.
  • 0% Intro APR for 15 Months: 0% intro APR on purchases and qualifying balance transfers.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

None

0% Installments / Financing:

0% Intro APR for 15 months on purchases and balance transfers

Eligibility / Credit Score:

Good to Excellent (670 - 850)

Welcome Offer:

$200 Cash Rewards bonus after spending $500 in first 3 months

Pros: + Top-tier unlimited 2% cash rewards + Valuable cell phone protection included + Low $500 spend requirement for $200 bonus
🇬🇧

United Kingdom Bank Cards

Britain's Top Rewards, 0% FX Abroad, Cashback & Balance Transfer Cards

Currency: GBP (£)
Banks Directory

Explore by Bank 7 Banks

Click on any bank below to view its available credit and debit cards, annual fee waivers, and exclusive privileges.

BARCLAYS
1 Card

Barclays / Barclaycard

London, United Kingdom

HSBC
1 Card

HSBC UK

Birmingham, United Kingdom

LLOYDS
1 Card

Lloyds Bank

London, United Kingdom

NATWEST
1 Card

NatWest

Edinburgh / London, UK

MONZO
1 Card

Monzo Bank

London, United Kingdom

REVOLUT
1 Card

Revolut UK

London, United Kingdom

SANTANDER
1 Card

Santander UK

London, United Kingdom

BARCLAYS

Barclays / Barclaycard

London, United Kingdom • Official Portal →

The pioneer of credit cards in the UK (Barclaycard), offering generous Avios rewards, fee-free spending abroad, and entertainment ticket perks.

Barclays
Travel & Miles
•••• •••• •••• 4929
VALID THRU 12/29
Barclaycard Rewards Credit Card
VISA
Best For Travel Abroad Credit Card 🛡️ 0% Foreign FX

Barclaycard Rewards Credit Card

The premier fee-free travel credit card in Britain. Enjoy zero foreign exchange transaction fees abroad, free overseas cash withdrawals, and cashback on all your spending.

Annual Fee £0 Free Forever
Reward / Cashback 0.25% Cashback on Everyday Spending + Zero FX Fees Abroad
Interest / APR 28.9% Representative APR Variable
Foreign FX Fee £0 (Zero Foreign Transaction Fees Abroad)
Core Card Perks & Highlights:
  • Zero Foreign Currency Fees: No fees when spending abroad in foreign currencies with Visa's exchange rate.
  • Fee-Free Overseas ATM Withdrawals: Pay zero cash withdrawal fees at ATMs abroad (interest applies from day of withdrawal).
  • 0.25% Cashback on All Purchases: Earn cash back on daily shopping in the UK and worldwide.
  • Barclaycard Entertainment Discounts: Up to 10% off tickets and early access presales to major UK festivals and arena concerts.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

None

0% Installments / Financing:

Barclaycard Instalment Plan available on eligible purchases

Eligibility / Credit Score:

UK Resident with Good Credit Score

Welcome Offer:

Fee-Free International ATM Cash Withdrawals

Pros: + No foreign transaction fees ever + No annual fee + Fee-free cash withdrawals abroad
HSBC

HSBC UK

Birmingham, United Kingdom • Official Portal →

International powerhouse offering the premier HSBC Premier Credit Card, multi-currency Global Money debit, and worldwide lounge privileges.

HSBC UK
Premium & Luxury
•••• •••• •••• 5241
VALID THRU 12/29
HSBC Premier Credit Card (UK)
Prestige UK Travel Card Credit Card ✈️ Airport Lounge

HSBC Premier Credit Card (UK)

A luxury reward card with zero annual fee for HSBC Premier customers. Convert points 1:1 to British Airways Avios, Virgin Atlantic Flying Club, and Singapore KrisFlyer.

Annual Fee £0 (Exclusive to HSBC Premier Customers)
Reward / Cashback 1 Reward Point per £1 spent in UK, 2 Points per £1 spent Abroad
Interest / APR 23.9% Representative APR Variable
Foreign FX Fee 2.99% (Non-sterling transaction fee)
Core Card Perks & Highlights:
  • Direct Avios & Airline Conversion: Convert reward points to British Airways Avios, Singapore Airlines KrisFlyer, and Etihad Guest.
  • Preferential LoungeKey Airport Access: Discounted entry to over 1,000 airport lounges globally.
  • Worldwide Travel Insurance Included: Comprehensive multi-trip travel insurance for the entire family.
  • £0 Annual Card Fee: Enjoy luxury rewards with no recurring annual charge as an HSBC Premier customer.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Discounted entry to 1,000+ airport lounges worldwide via LoungeKey

0% Installments / Financing:

HSBC Plan It installment plans available

Eligibility / Credit Score:

HSBC Premier Account Requirement

Welcome Offer:

Convert Points to Avios, Singapore KrisFlyer & Asia Miles

Pros: + Flexible airline transfer partners + Free family travel insurance included with Premier + No annual fee
LLOYDS

Lloyds Bank

London, United Kingdom • Official Portal →

One of the UK's largest retail banks, offering Everyday Offers cashback, 0% purchase deals, and seamless digital banking integration.

Lloyds Bank
Cashback
•••• •••• •••• 5132
VALID THRU 12/29
Lloyds Bank Cashback Credit Card
Top UK Retail Cashback Credit Card

Lloyds Bank Cashback Credit Card

Tiered cashback credit card that pays up to 1% cash back directly into your account every year, integrated with Lloyds Everyday Offers.

Annual Fee £0 / year
Reward / Cashback 0.50% Cashback on spend up to £4,000, 1.0% above £4,000
Interest / APR 24.9% Representative APR Variable
Foreign FX Fee 2.95% non-sterling transaction fee
Core Card Perks & Highlights:
  • Tiered Up to 1.0% Cashback: 0.5% on annual spend up to £4,000 and 1% on everything over £4,000.
  • Everyday Offers Integration: Up to 15% cashback at top retailers like Sainsbury's, Costa, and Deliveroo.
  • Section 75 Purchase Protection: Statutory legal protection under Section 75 Consumer Credit Act on items over £100.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

None

0% Installments / Financing:

0% Balance transfer and purchase deals

Eligibility / Credit Score:

Good UK Credit Score

Welcome Offer:

£20 Cash Bonus after spending £1,000 in first 90 days

Pros: + Automatic annual cashback payout + Everyday Offers bonus boosts + No annual fee
NATWEST

NatWest

Edinburgh / London, UK • Official Portal →

Major British commercial bank providing NatWest Reward credit cards with up to 1% back on supermarket spend and zero foreign transaction fees on premier tiers.

NatWest
Cashback
•••• •••• •••• 5482
VALID THRU 12/29
NatWest Reward Credit Card
Best Supermarket Cashback Credit Card 🛡️ 0% Foreign FX

NatWest Reward Credit Card

The premier supermarket reward credit card in Britain. Earn 1% back on groceries at Tesco, Sainsbury's, Asda, and Morrisons, plus zero foreign transaction fees abroad.

Annual Fee £24 / year (Refunded if you hold NatWest Reward Current Account)
Reward / Cashback 1% Back at Supermarkets + 1% to 15% at Partner Retailers
Interest / APR 28.9% Representative APR Variable
Foreign FX Fee £0 (No Foreign Transaction Fees Abroad)
Core Card Perks & Highlights:
  • 1% Back on Supermarket Spend: Earn 1% Rewards on all purchases at any UK supermarket without caps.
  • No Foreign Transaction Fees Abroad: Pay zero foreign currency fees when making purchases outside the UK.
  • Up to 15% Back at Partner Retailers: Earn additional cashback at national retailers like Caffe Nero, Europcar, and more.
  • £24 Annual Fee Refunded: Annual card fee is refunded if you also hold a NatWest Reward Current Account.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

None

0% Installments / Financing:

NatWest installment plans available in app

Eligibility / Credit Score:

UK Resident with Good Credit Score

Welcome Offer:

No foreign transaction fees abroad

Pros: + 1% on all grocery shopping + No foreign transaction fees abroad + Fee refunded for Reward Current Account holders
MONZO

Monzo Bank

London, United Kingdom • Official Portal →

Leading UK neo-bank famous for instant spending notifications, free fee-less foreign spending, holographic debit cards, and Monzo Max travel perks.

Monzo
Travel & Miles
•••• •••• •••• 5353
VALID THRU 12/29
Monzo Max Holographic Debit Card
Best Digital Travel Debit Debit Card 🛡️ 0% Foreign FX ✈️ Airport Lounge

Monzo Max Holographic Debit Card

The ultimate digital travel card featuring worldwide family travel insurance, comprehensive phone insurance, UK breakdown cover by RAC, and zero overseas fees.

Annual Fee £17 / month (£204 / year)
Reward / Cashback Worldwide Travel & Phone Insurance + Free Lounge Access Upgrades
Interest / APR Debit (Overdraft optional: 19% - 39% EAR)
Foreign FX Fee £0 (Zero Fees on Overseas Spending at Mastercard rate)
Core Card Perks & Highlights:
  • Zero Fees on Overseas Spending: Zero markup on Mastercard exchange rate worldwide in all currencies.
  • Worldwide Family Travel Insurance: Covers medical emergencies, cancellations, winter sports, and family trips.
  • Phone Damage & Snatch Insurance: Covers phone loss, theft, and accidental damage up to £2,000 value.
  • RAC UK Breakdown & Roadside Assistance: Full UK breakdown recovery, roadside repair, and at-home service.
  • Discounted £24 Airport Lounge Passes: Discounted LoungeKey passes for you and travel companions.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

Discounted £24 LoungeKey airport lounge passes

0% Installments / Financing:

Monzo Flex: 0% interest on 3 monthly installments

Eligibility / Credit Score:

Any UK Monzo Account User

Welcome Offer:

Family Worldwide Travel & Mobile Insurance

Pros: + Complete package of breakdown, travel, and mobile insurance in one app + Zero FX fees abroad + Iconic holographic card design
REVOLUT

Revolut UK

London, United Kingdom • Official Portal →

Global fintech leader offering solid metal debit cards, interbank exchange rates in 30+ currencies, crypto cashback, and medical travel coverage.

Revolut
Premium & Luxury
•••• •••• •••• 5573
VALID THRU 12/29
Revolut Metal Contactless Card
Heavy Metal FinTech Card Debit Card 🛡️ 0% Foreign FX ✈️ Airport Lounge

Revolut Metal Contactless Card

Crafted from 18g reinforced steel, offering multi-currency foreign exchange without weekend markup, crypto/cash rewards, and partner subscriptions worth £1,000+/year.

Annual Fee £14.99 / month (£140 / year billed upfront)
Reward / Cashback 0.1% UK / 1.0% International Cashback + RevPoints
Interest / APR Debit (0% - Prepaid / Stored Value)
Foreign FX Fee £0 (Zero foreign exchange fees on 30+ currencies on weekdays)
Core Card Perks & Highlights:
  • 18g Solid Metal Card: Engineered from a single sheet of reinforced steel in Black, Gold, Rose, Space Grey, or Silver.
  • Hold & Exchange 30+ Currencies: Seamless interbank foreign exchange with zero hidden commissions.
  • Cashback on All Card Purchases: Earn 1% cash back on all transactions outside Europe and 0.1% within Europe.
  • Over £1,700 in Digital Subscriptions: Complimentary premium access to Financial Times, NordVPN, Freeletics, and Sleep Cycle.
  • £800 / Month Free International ATM Withdrawals: Withdraw up to £800/mo abroad without Revolut ATM charges.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

SmartDelay free lounge access on delayed flights + discounted passes

0% Installments / Financing:

Prepaid / Stored value card

Eligibility / Credit Score:

Open to All UK Residents

Welcome Offer:

Free Subscriptions: Financial Times, NordVPN, WeWork, Tinder

Pros: + Exceptional partner subscriptions included + Pure 18g metal card + Multi-currency holding with real-time exchange
SANTANDER

Santander UK

London, United Kingdom • Official Portal →

Household British bank offering the Santander All in One card with fee-free overseas spending, 0.5% cashback on all purchases, and 0% balance transfers.

Santander UK
Cashback
•••• •••• •••• 5188
VALID THRU 12/29
Santander All in One Credit Card
Best 3-in-1 UK All Rounder Credit Card 🛡️ 0% Foreign FX

Santander All in One Credit Card

The ultimate triple-threat British credit card: 0.5% cash back on all spending, zero foreign exchange transaction fees anywhere abroad, and a long 26-month 0% balance transfer offer.

Annual Fee £3 / month (£36 / year)
Reward / Cashback 0.5% Cashback on All Purchases + Zero Foreign FX Fees
Interest / APR 28.9% Representative APR Variable
Foreign FX Fee £0 (Zero Foreign Transaction Fees Abroad)
Core Card Perks & Highlights:
  • 26 Months 0% Balance Transfer: Pay 0% interest on balance transfers for 26 months with 0% balance transfer fee.
  • No Foreign Transaction Fees Anywhere: Enjoy fee-free purchases abroad in any currency with Mastercard exchange rates.
  • 0.5% Unlimited Cashback: Earn 0.5% cash back on all everyday retail spending paid monthly into account.
  • Santander Retailer Offers: Up to 15% cashback at top high street stores and restaurants.
View Full Specifications, Lounge Access & Eligibility
Airport Lounge Access:

None

0% Installments / Financing:

26 Months 0% Interest on Balance Transfers (0% transfer fee)

Eligibility / Credit Score:

UK Resident with Good Credit Score

Welcome Offer:

0% on Balance Transfers for 26 Months (0% balance transfer fee)

Pros: + No foreign transaction fees abroad + Huge 26-month 0% balance transfer offer with no transfer fee + 0.5% cash back on all purchases

How to Choose the Right Credit or Debit Card in 2026

1. Match Your Primary Spending Habits

If the majority of your expenses go to domestic groceries, utilities, and daily dining, choose cards with high supermarket and dining cashback (such as Amex Gold in the US, NatWest Reward in the UK, or HBL Gold in Pakistan). If you travel abroad frequently, prioritize cards with 0% foreign transaction fees and international CIP / Priority Pass lounge access.

2. Factor in the Annual Fee Waiver Thresholds

Many premium cards charge an annual fee that can easily be waived by achieving a minimum annual retail spend (e.g. HBL Platinum waves its PKR 12,000 fee on PKR 150,000 yearly spend). Always calculate whether your projected annual savings and sign-up bonus comfortably exceed the annual card fee.

3. Conventional vs. Islamic Shariah-Compliant Cards

In Pakistan and international Islamic finance markets, cards like Meezan Bank Titanium & Infinite and Faysal Bank Noor offer 100% Riba-free structures where transactions are structured under Ujrah (service fee) rather than compounding interest charges, guaranteeing complete Shariah alignment.

Frequently Asked Questions

What is the difference between a Credit Card and a Debit Card?

A Debit Card withdraws funds directly from your checking or savings bank balance in real-time. A Credit Card provides a revolving credit line extended by the issuing bank; you borrow money up to your credit limit and pay it back either in full monthly (avoiding interest) or with monthly minimum installments subject to APR.

Can I use my Pakistani bank card abroad?

Yes. Visa, Mastercard, and UnionPay cards issued in Pakistan can be used internationally for online purchases and overseas POS terminals, provided your bank has enabled international transactions. State Bank of Pakistan (SBP) regulations apply, and international purchases typically carry an advance tax and bank foreign exchange markup ranging between 1.5% and 4%.

What credit score is needed for top US credit cards?

Premier rewards cards like Chase Sapphire Preferred, Capital One Venture X, and Amex Platinum generally require a Good to Excellent credit score (typically FICO 690 to 850). If you are building or rebuilding credit, starter or cash-back cards like Discover it Cash Back are more accessible.

Do UK credit cards offer consumer purchase protection?

Yes. In the UK, purchases between £100 and £30,000 made on a credit card are legally protected under Section 75 of the Consumer Credit Act 1974, holding the card company jointly liable with the retailer if goods are faulty or a company goes bust.