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
Askari Bank
Travel & Airline
•••• •••• •••• 5488
VALID THRU 12/29
Askari Mastercard World Credit Card

Askari Mastercard World Credit Card

Askari Bank 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 Travel & Airline MASTERCARD Premium & Luxury VISA
Annual Fee PKR 14,000 / year PKR 25,000 / year (Waived on PKR 250k spend)
Reward / Cashback Rate 3x Askari Miles on International Travel & Hotels 5x Reward Points on International & Luxury Spend
Interest / APR / Profit Rate KIBOR + 14% p.a. KIBOR + 13% p.a.
Foreign FX Transaction Fee 3.5% + SBP Advance Tax 3.0% + SBP Advance Tax
Airport Lounge Access Unlimited Domestic CIP Lounges + 1,200+ Mastercard Travel Pass Lounges Unlimited Worldwide Lounges via Visa Airport Companion + CIP Domestic
0% Installments / Financing Askari EasyBuy: 0% markup up to 12 months HBL Shop Now Pay Later (0% Markup up to 36 months)
Welcome Sign-Up Bonus 5,000 Bonus Askari Miles on first swipe 10,000 Bonus Points + Complimentary Golf Voucher
Credit Score / Income Requirement Min Monthly Income: PKR 180,000 High-Net-Worth / Monthly Income: PKR 300,000+
Core Perks & Features
  • Unlimited Global Lounge Visits: Complimentary domestic CIP lounges in Pakistan plus over 1,200 international airport lounges.
  • Triple Travel Miles: Accelerated miles accrual on airline ticket bookings and overseas hotel stays.
  • $150,000 Travel Protection: Comprehensive travel medical, accident, and baggage delay insurance.
  • Mastercard World Concierge: 24/7 dedicated personal concierge for VIP event and dining bookings worldwide.
  • 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)
  • ✓ Top-tier airport lounge access worldwide
  • ✓ Generous miles program redeemable with top airlines
  • ✓ High credit limits
  • ✓ Unlimited global airport lounge access
  • ✓ 5x reward points multiplier abroad
  • ✓ 0% markup installment plans up to 36 months
Considerations (Cons)
  • ⚠ Premium annual fee with higher income requirement
  • ⚠ High income eligibility threshold (PKR 300,000+)