Compare annual fees, reward rates, interest/APR, sign-up bonuses, foreign transaction fees, and airport lounge access across multiple banks and countries.
| Feature / Card |
Bank AL Habib
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5102
VALID THRU
12/29
Bank AL Habib Green Credit Card
Bank AL Habib Green Credit CardBank AL Habib Limited |
HBL
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4999
VALID THRU
12/29
HBL Infinite CreditCard
VISA
HBL Infinite CreditCardHabib Bank Limited (HBL) |
|---|---|---|
| Country & Currency | 🇵🇰 Pakistan (PKR - Rs. ) | 🇵🇰 Pakistan (PKR - Rs. ) |
| Card Category & Network | Zero Annual Fee / Low Fee MASTERCARD | Premium & Luxury VISA |
| Annual Fee | PKR 5,600 / year (100% Reversible on PKR 150k spend in 90 days) | PKR 25,000 / year (Waived on PKR 250k spend) |
| Reward / Cashback Rate | 1 Reward Point per Rs. 50 spent on all retail transactions | 5x Reward Points on International & Luxury Spend |
| Interest / APR / Profit Rate | 3.25% / month (39% p.a.) & up to 51 days credit-free period | KIBOR + 13% p.a. |
| Foreign FX Transaction Fee | 3.5% + SBP Advance Tax | 3.0% + SBP Advance Tax |
| Airport Lounge Access | Standard access | Unlimited Worldwide Lounges via Visa Airport Companion + CIP Domestic |
| 0% Installments / Financing | Yes (Equal monthly installment options) | HBL Shop Now Pay Later (0% Markup up to 36 months) |
| Welcome Sign-Up Bonus | Full Fee Reversal on PKR 150k spend in 90 days | 10,000 Bonus Points + Complimentary Golf Voucher |
| Credit Score / Income Requirement | Salaried min. PKR 20,000/mo; Self-Employed min. PKR 25,000/mo | High-Net-Worth / Monthly Income: PKR 300,000+ |
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