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.

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Feature / Card
Barclays
Travel & Miles
•••• •••• •••• 4929
VALID THRU 12/29
Barclaycard Rewards Credit Card
VISA

Barclaycard Rewards Credit Card

Barclays / Barclaycard
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 🇬🇧 United Kingdom (GBP - £) 🇵🇰 Pakistan (PKR - Rs. )
Card Category & Network Travel & Miles VISA Premium & Luxury VISA
Annual Fee £0 Free Forever PKR 25,000 / year (Waived on PKR 250k spend)
Reward / Cashback Rate 0.25% Cashback on Everyday Spending + Zero FX Fees Abroad 5x Reward Points on International & Luxury Spend
Interest / APR / Profit Rate 28.9% Representative APR Variable KIBOR + 13% p.a.
Foreign FX Transaction Fee £0 (Zero Foreign Transaction Fees Abroad) 3.0% + SBP Advance Tax
Airport Lounge Access None Unlimited Worldwide Lounges via Visa Airport Companion + CIP Domestic
0% Installments / Financing Barclaycard Instalment Plan available on eligible purchases HBL Shop Now Pay Later (0% Markup up to 36 months)
Welcome Sign-Up Bonus Fee-Free International ATM Cash Withdrawals 10,000 Bonus Points + Complimentary Golf Voucher
Credit Score / Income Requirement UK Resident with Good Credit Score High-Net-Worth / Monthly Income: PKR 300,000+
Core Perks & Features
  • Zero Foreign Currency Fees: No fees when spending abroad in foreign currencies with Visa's exchange rate.
  • Fee-Free Overseas ATM Withdrawals: Pay zero cash withdrawal fees at ATMs abroad (interest applies from day of withdrawal).
  • 0.25% Cashback on All Purchases: Earn cash back on daily shopping in the UK and worldwide.
  • Barclaycard Entertainment Discounts: Up to 10% off tickets and early access presales to major UK festivals and arena concerts.
  • 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)
  • ✓ No foreign transaction fees ever
  • ✓ No annual fee
  • ✓ Fee-free cash withdrawals abroad
  • ✓ Unlimited global airport lounge access
  • ✓ 5x reward points multiplier abroad
  • ✓ 0% markup installment plans up to 36 months
Considerations (Cons)
  • ⚠ 0.25% base cashback rate is modest compared to paid fee cards
  • ⚠ High income eligibility threshold (PKR 300,000+)