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.

← Back to Cards Directory
Feature / Card
AlBaraka Bank
Premium & Luxury
•••• •••• •••• 5589
VALID THRU 12/29
AlBaraka Platinum Mastercard Debit Card

AlBaraka Platinum Mastercard Debit Card

AlBaraka Bank (Pakistan) 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 MASTERCARD Premium & Luxury VISA
Annual Fee PKR 5,500 / year PKR 25,000 / year (Waived on PKR 250k spend)
Reward / Cashback Rate Global Masterpass & Premium Islamic Lifestyle Privileges 5x Reward Points on International & Luxury Spend
Interest / APR / Profit Rate 0% (Strictly Riba-Free) KIBOR + 13% p.a.
Foreign FX Transaction Fee 2.5% + SBP Advance Tax 3.0% + SBP Advance Tax
Airport Lounge Access Unlimited Domestic CIP Lounges + International LoungeKey Access Unlimited Worldwide Lounges via Visa Airport Companion + CIP Domestic
0% Installments / Financing Debit Card (Direct account debit) HBL Shop Now Pay Later (0% Markup up to 36 months)
Welcome Sign-Up Bonus Worldwide Travel & Medical Takaful Coverage 10,000 Bonus Points + Complimentary Golf Voucher
Credit Score / Income Requirement AlBaraka Premier Account Holders High-Net-Worth / Monthly Income: PKR 300,000+
Core Perks & Features
  • Domestic & Global LoungeKey Access: Complimentary domestic CIP lounges in Pakistan plus international LoungeKey entry privileges.
  • Elevated Daily Limits: High daily cash withdrawal up to PKR 250,000 and POS/Online shopping limit up to PKR 750,000.
  • International Travel Takaful: Global emergency medical assistance, baggage delay, and travel inconvenience protection.
  • Mastercard Premium Concierge: 24/7 dedicated assistance for dining reservations, travel itineraries, and VIP services.
  • 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)
  • ✓ High daily transaction and withdrawal limits
  • ✓ Domestic and international lounge privileges
  • ✓ Shariah-compliant premium perks
  • ✓ Unlimited global airport lounge access
  • ✓ 5x reward points multiplier abroad
  • ✓ 0% markup installment plans up to 36 months
Considerations (Cons)
  • ⚠ Higher annual fee than standard debit cards
  • ⚠ High income eligibility threshold (PKR 300,000+)