Direct Head-to-Head Card Evaluator

Side-by-Side Bank Cards Comparison

Compare annual fees, reward rates, interest/APR, sign-up bonuses, foreign transaction fees, and airport lounge access across multiple banks and countries.

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Feature / Card
Chase
Travel & Miles
•••• •••• •••• 4147
VALID THRU 12/29
Chase Sapphire Preferred® Card
VISA

Chase Sapphire Preferred® Card

JPMorgan Chase & Co.
Apply on Bank Site → View Full Review
HBL
Premium & Luxury
•••• •••• •••• 4129
VALID THRU 12/29
HBL Platinum Credit Card
VISA

HBL Platinum Credit Card

Habib Bank Limited (HBL)
Apply on Bank Site → View Full Review
Barclays
Travel & Miles
•••• •••• •••• 4929
VALID THRU 12/29
Barclaycard Rewards Credit Card
VISA

Barclaycard Rewards Credit Card

Barclays / Barclaycard
Apply on Bank Site → View Full Review
Country & Currency 🇺🇸 United States (USD - $) 🇵🇰 Pakistan (PKR - Rs. ) 🇬🇧 United Kingdom (GBP - £)
Card Category & Network Travel & Miles VISA Premium & Luxury VISA Travel & Miles VISA
Annual Fee $95 / year PKR 12,000 (Waived on PKR 150k spend) £0 Free Forever
Reward / Cashback Rate 5x on Travel via Chase, 3x on Dining, 2x on Other Travel 3x Reward Points on International & Dining 0.25% Cashback on Everyday Spending + Zero FX Fees Abroad
Interest / APR / Profit Rate 21.49% - 28.49% Variable KIBOR + 14% p.a. 28.9% Representative APR Variable
Foreign FX Transaction Fee $0 (Zero Foreign Transaction Fees Abroad) 3.5% + SBP Advance Tax £0 (Zero Foreign Transaction Fees Abroad)
Airport Lounge Access None included (Upgrade to Sapphire Reserve for Priority Pass) Complimentary CIP Lounges (KHI, LHE, ISB) + 6 International Visits via Visa Airport Companion None
0% Installments / Financing Chase My Chase Plan® available at fixed monthly fee HBL Shop Now Pay Later: 0% Markup up to 12 months Barclaycard Instalment Plan available on eligible purchases
Welcome Sign-Up Bonus 60,000 Bonus Points ($750 toward travel) after $4,000 spend in 3 months 5,000 Bonus Reward Points on Activation Fee-Free International ATM Cash Withdrawals
Credit Score / Income Requirement Good to Excellent (690 - 850) Min Monthly Income: PKR 150,000 UK Resident with Good Credit Score
Core Perks & Features
  • 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.
  • 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.
  • 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.
What We Like (Pros)
  • ✓ Huge welcome bonus and 1:1 point transfers
  • ✓ Primary auto rental insurance
  • ✓ Affordable $95 annual fee
  • ✓ Top airport lounge access in Pakistan and abroad
  • ✓ Robust nationwide dining discounts
  • ✓ Accessible spend waiver threshold
  • ✓ No foreign transaction fees ever
  • ✓ No annual fee
  • ✓ Fee-free cash withdrawals abroad
Considerations (Cons)
  • ⚠ No airport lounge access included (upgrade to Sapphire Reserve for Priority Pass)
  • ⚠ Annual fee applies if minimum spend is not met
  • ⚠ 0.25% base cashback rate is modest compared to paid fee cards