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 Alfalah
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4225
VALID THRU
12/29
Bank Alfalah Visa Gold Instant Credit Card
VISA
Bank Alfalah Visa Gold Instant Credit CardBank Alfalah |
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 | Cashback & Rewards VISA | Premium & Luxury VISA |
| Annual Fee | PKR 5,500 / year (Waived on PKR 55k spend) | PKR 25,000 / year (Waived on PKR 250k spend) |
| Reward / Cashback Rate | 1 Orbit Point / PKR 100 spent | 5x Reward Points on International & Luxury Spend |
| Interest / APR / Profit Rate | KIBOR + 15% p.a. | 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 | Alfalah Step-By-Step (SBS): 0% Markup up to 36 months | HBL Shop Now Pay Later (0% Markup up to 36 months) |
| Welcome Sign-Up Bonus | 2,500 Orbit Points upon first swipe | 10,000 Bonus Points + Complimentary Golf Voucher |
| Credit Score / Income Requirement | Instant Approval via Alfa App (Min Income: PKR 50,000) | High-Net-Worth / Monthly Income: PKR 300,000+ |
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