Compare annual fees, reward rates, interest/APR, sign-up bonuses, foreign transaction fees, and airport lounge access across multiple banks and countries.
| Feature / Card |
American Express (Amex)
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1004
VALID THRU
12/29
American Express® Gold Card
AMEX
American Express® Gold CardAmerican Express |
HBL
••••
••••
••••
4999
VALID THRU
12/29
HBL Infinite CreditCard
VISA
HBL Infinite CreditCardHabib Bank Limited (HBL) |
|---|---|---|
| Country & Currency | 🇺🇸 United States (USD - $) | 🇵🇰 Pakistan (PKR - Rs. ) |
| Card Category & Network | Rewards AMEX | Premium & Luxury VISA |
| Annual Fee | $325 / year | PKR 25,000 / year (Waived on PKR 250k spend) |
| Reward / Cashback Rate | 4x Points at Restaurants & US Supermarkets (up to $25k/yr) | 5x Reward Points on International & Luxury Spend |
| Interest / APR / Profit Rate | See Pay Over Time APR (or Pay in Full Monthly) | KIBOR + 13% p.a. |
| Foreign FX Transaction Fee | $0 (No Foreign Transaction Fees) | 3.0% + SBP Advance Tax |
| Airport Lounge Access | None (See Amex Platinum for Centurion Lounges) | Unlimited Worldwide Lounges via Visa Airport Companion + CIP Domestic |
| 0% Installments / Financing | Amex Pay Over Time option available | HBL Shop Now Pay Later (0% Markup up to 36 months) |
| Welcome Sign-Up Bonus | 60,000 Membership Rewards® Points after $6,000 spend in 6 months | 10,000 Bonus Points + Complimentary Golf Voucher |
| Credit Score / Income Requirement | Good to Excellent (690 - 850) | High-Net-Worth / Monthly Income: PKR 300,000+ |
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