Comprehensive Global Cards Portal • 2026 Edition

Best Bank Cards in Pakistan (2026)

Compare 96 credit and debit cards across 33 Pakistani banks. Discover zero annual fee cards, complimentary CIP airport lounges, 0% Islamic profit rates, and up to 50% merchant dining & healthcare discounts.

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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

Active Bank

Showing Cards for Habib Bank Limited (HBL) (14 Cards)

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

Comprehensive Guide to Credit & Debit Cards in Pakistan (2026)

1. Islamic Shariah-Compliant vs Conventional Cards

Pakistan offers a mature Islamic banking ecosystem led by Meezan Bank, BankIslami, and Faysal Bank Noor. Unlike conventional cards with compounding interest, Islamic cards operate under Ujrah (fixed service fee) and Musawamah structures, filtering out non-Halal transactions and ensuring zero Riba.

2. Complimentary CIP Airport Lounge Privileges

Executive cards like Meezan Visa Platinum/Infinite, Bank AL Habib Platinum, and HBL Platinum grant complimentary domestic CIP lounge access at Karachi (Jinnah Intl), Lahore (Allama Iqbal), Islamabad, Multan, and Sialkot. Premium tiers also feature global access through Mastercard Travel Pass or LoungeKey.

3. Merchant Dining, Healthcare & SBP Tax Rules

Pakistani banks partner with over 1,500 lifestyle, dining, and diagnostic lab merchants offering up to 50% discounts (PC, Serena, Chughtai Lab, Essa Lab). For overseas and online dollar transactions, State Bank of Pakistan (SBP) rules levy advance tax (5% for active ATL filers, 10% for non-filers) plus standard bank foreign exchange margins.

Frequently Asked Questions: Pakistan Bank Cards

Which Pakistani bank cards offer complimentary CIP airport lounge access?

Top cards providing complimentary access to CIP lounges at Karachi, Lahore, Islamabad, Multan, and Sialkot include Meezan Visa Platinum Debit, Meezan Visa Infinite, Bank AL Habib Platinum Mastercard, HBL Platinum Credit Card, and Bank Alfalah Premier Visa Signature.

How do Meezan Bank Card Discounts work and where are they valid?

All Meezan Bank debit cardholders enjoy instant markdowns up to 40% to 50% across 1,500+ dining, retail, and healthcare outlets nationwide. Major partners include Pearl Continental, Serena Hotels, Marriott, Nando's, Ginsoy, Chughtai Lab, Essa Lab, and Junaid Jamshed (J.). Cardholders can verify participating branches at meezanbank.com/card-discounts/.

What is SBP advance withholding tax on international card transactions?

Under Federal Board of Revenue (FBR) and SBP guidelines, transactions made in foreign currency (including online services like Netflix, Google, and Amazon) incur an advance withholding tax of 5% for Active Taxpayer List (ATL) filers and 10% for non-filers, which can be adjusted in your annual income tax return.

What is the difference between PayPak, Visa, and Mastercard in Pakistan?

PayPak is Pakistan's domestic sovereign payment scheme developed by 1Link for affordable local ATM and POS usage with zero foreign fees. Visa and Mastercard provide worldwide acceptance, online e-commerce 3D Secure payments, and Contactless NFC functionality.

How can I get annual fee waivers on Pakistani credit cards?

Most commercial banks in Pakistan offer 100% annual fee waivers or reversals if you achieve an annual retail spend threshold (e.g. Bank AL Habib Platinum reverses its PKR 20,000 fee on PKR 250,000 spend within 90 days; HBL Platinum waives its fee on PKR 150,000 yearly retail transactions).