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.

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

Active Bank

Showing Cards for United Bank Limited (UBL) (16 Cards)

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

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).