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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 Alfalah
Cashback & Rewards
•••• •••• •••• 4118
VALID THRU 12/29
Bank Alfalah Ultra Cashback Credit Card
VISA

Bank Alfalah Ultra Cashback Credit Card

Bank Alfalah
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 Cashback & Rewards VISA Premium & Luxury VISA
Annual Fee PKR 6,500 / year (Waived on PKR 65k spend) PKR 25,000 / year (Waived on PKR 250k spend)
Reward / Cashback Rate Up to 7% Cashback on Fuel, Groceries, Dining & Utility Bills 5x Reward Points on International & Luxury Spend
Interest / APR / Profit Rate KIBOR + 14.5% 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 HBL Shop Now Pay Later (0% Markup up to 36 months)
Welcome Sign-Up Bonus PKR 1,500 Direct Statement Credit on first billing cycle 10,000 Bonus Points + Complimentary Golf Voucher
Credit Score / Income Requirement Min Monthly Income: PKR 60,000 High-Net-Worth / Monthly Income: PKR 300,000+
Core Perks & Features
  • Up to 7% Direct Cashback: Earn automated monthly cashback credits on groceries, fuel, dining, and utilities.
  • 100% Fuel Surcharge Waiver: Zero fuel surcharge across all petrol pumps nationwide.
  • Alfalah SBS 0% Markup Plans: Split retail transactions into budget-friendly monthly installments.
  • Alfa App Digital Activation: Track your cashback earnings and monthly savings in real time on the Alfa App.
  • 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)
  • ✓ Direct monthly cashback credited automatically to statement
  • ✓ Fuel surcharge waiver at all petrol stations
  • ✓ Substantial savings on monthly grocery and utility bills
  • ✓ Unlimited global airport lounge access
  • ✓ 5x reward points multiplier abroad
  • ✓ 0% markup installment plans up to 36 months
Considerations (Cons)
  • ⚠ Monthly category cashback caps apply
  • ⚠ High income eligibility threshold (PKR 300,000+)