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
Allied Bank
Zero Annual Fee
•••• •••• •••• 9412
VALID THRU 12/29
Allied PayPak Domestic Debit Card
PAYPAK

Allied PayPak Domestic Debit Card

Allied Bank Limited (ABL)
Apply on Bank Site → View Full Review
HBL
Premium & Luxury
•••• •••• •••• 4999
VALID THRU 12/29
HBL Infinite CreditCard
VISA

HBL Infinite CreditCard

Habib Bank Limited (HBL)
Apply on Bank Site → View Full Review
Country & Currency 🇵🇰 Pakistan (PKR - Rs. ) 🇵🇰 Pakistan (PKR - Rs. )
Card Category & Network Zero Annual Fee PAYPAK Premium & Luxury VISA
Annual Fee PKR 1,500 / year PKR 25,000 / year (Waived on PKR 250k spend)
Reward / Cashback Rate Exclusive Golootlo Merchant Discounts 5x Reward Points on International & Luxury Spend
Interest / APR / Profit Rate 0% (Direct Account Debit) KIBOR + 13% p.a.
Foreign FX Transaction Fee Domestic Only (Zero Foreign FX) 3.0% + SBP Advance Tax
Airport Lounge Access Standard Domestic Card (No lounge) Unlimited Worldwide Lounges via Visa Airport Companion + CIP Domestic
0% Installments / Financing Debit Card (Instant Account Settlement) HBL Shop Now Pay Later (0% Markup up to 36 months)
Welcome Sign-Up Bonus Free 1LINK ATM cash withdrawals 10,000 Bonus Points + Complimentary Golf Voucher
Credit Score / Income Requirement Any Allied Bank account holder High-Net-Worth / Monthly Income: PKR 300,000+
Core Perks & Features
  • 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.
  • 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.
What We Like (Pros)
  • ✓ Lowest annual maintenance charges
  • ✓ Wide domestic merchant acceptance
  • ✓ No foreign exchange risks
  • ✓ Unlimited global airport lounge access
  • ✓ 5x reward points multiplier abroad
  • ✓ 0% markup installment plans up to 36 months
Considerations (Cons)
  • ⚠ Cannot be used for overseas travel or foreign e-commerce sites
  • ⚠ High income eligibility threshold (PKR 300,000+)