Issued by Bank AL Habib Limited
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.
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.
Accumulate reward points on all retail checkouts and redeem them for shopping vouchers.
Mastercard Identity Check / SecureCode protects all domestic and international online shopping.
Withdraw up to assigned cash advance limit instantly at any 1Link or Mastercard ATM nationwide.
| Card Name | Bank AL Habib Gold Credit Card |
|---|---|
| Issuing Financial Institution | Bank AL Habib Limited (Karachi, Pakistan) |
| Card Network | MASTERCARD |
| Card Type | Credit Card |
| Primary Category | Cashback & Rewards |
| Annual Fee | PKR 8,000 / year (100% Reversible on PKR 200k spend in 90 days) |
| Interest Rate / APR | 3.25% / month (39% p.a.) & up to 51 days credit-free period |
| Rewards & Cashback Rate | 1 Reward Point per Rs. 50 spent on retail and dining |
| Foreign Transaction Fee | 3.5% + SBP Advance Tax |
| Airport Lounge Access | Standard Mastercard domestic benefits |
| 0% Installments / Financing | Yes (Revolving credit & easy installment plans) |
| Welcome Bonus Offer | Full Fee Reversal on PKR 200k spend in 90 days |
| Eligibility & Credit Score | Salaried min. PKR 20,000/mo; Business min. PKR 25,000/mo |