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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
Bank AL Habib
Premium & Luxury
•••• •••• •••• 4912
VALID THRU 12/29
Bank AL Habib Visa Platinum Debit Card
VISA

Bank AL Habib Visa Platinum Debit Card

Bank AL Habib Limited
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 Premium & Luxury VISA Premium & Luxury VISA
Annual Fee PKR 4,000 / year PKR 25,000 / year (Waived on PKR 250k spend)
Reward / Cashback Rate Exclusive Dining & E-commerce Discounts 5x Reward Points on International & Luxury Spend
Interest / APR / Profit Rate 0% (Direct Account Debit) KIBOR + 13% p.a.
Foreign FX Transaction Fee 3.0% + SBP Advance Tax 3.0% + SBP Advance Tax
Airport Lounge Access Complimentary Domestic CIP Lounges at Karachi, Lahore & Islamabad 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 Complimentary ATM cash withdrawal insurance 10,000 Bonus Points + Complimentary Golf Voucher
Credit Score / Income Requirement Bank AL Habib Account Holders High-Net-Worth / Monthly Income: PKR 300,000+
Core Perks & Features
  • Complimentary CIP Lounge Access: Enjoy free access to domestic CIP lounges at Pakistan's primary international airports.
  • PKR 200,000 Daily ATM Limit: High cash withdrawal limit and up to PKR 500,000 daily POS retail transaction limit.
  • AL Habib Dining Privileges: Up to 25% discount at selected fine dining and shopping merchants across Pakistan.
  • 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)
  • ✓ Exceptional branch network service
  • ✓ Reliable e-commerce and POS processing
  • ✓ High daily spending allowance
  • ✓ Unlimited global airport lounge access
  • ✓ 5x reward points multiplier abroad
  • ✓ 0% markup installment plans up to 36 months
Considerations (Cons)
  • ⚠ Annual fee is higher than standard debit tiers
  • ⚠ High income eligibility threshold (PKR 300,000+)