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
Bank of Punjab
No Annual Fee / Low Fee
•••• •••• •••• 5309
VALID THRU 12/29
The Bank of Punjab Green Credit Card

The Bank of Punjab Green Credit Card

The Bank of Punjab
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 No Annual Fee / Low Fee MASTERCARD Premium & Luxury VISA
Annual Fee Free / Zero Annual Fee (Basic: Rs. 0 | Supplementary: Rs. 0) PKR 25,000 / year (Waived on PKR 250k spend)
Reward / Cashback Rate 1 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 BOP Equal Monthly Installments (EMI) on PKR 3,000+ HBL Shop Now Pay Later (0% Markup up to 36 months)
Welcome Sign-Up Bonus 100% Lifetime Fee Waiver 10,000 Bonus Points + Complimentary Golf Voucher
Credit Score / Income Requirement Min Monthly Income: PKR 35,000 High-Net-Worth / Monthly Income: PKR 300,000+
Core Perks & Features
  • Zero Annual Fee for Life: Never pay an annual fee on either your primary or supplementary card.
  • Equal Monthly Installments (EMI): Convert purchases PKR 3,000+ into equal monthly installments up to 36 months.
  • WhatsApp Banking Services: Activate card, check available limit, and retrieve mini-statements on WhatsApp.
  • Mastercard Chip & PIN Security: Worldwide acceptance with dynamic 3D Secure verification.
  • 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)
  • ✓ Zero annual fee for life on both basic and supplementary cards
  • ✓ Low income requirement (PKR 35,000/mo)
  • ✓ Full installment plan support starting at PKR 3,000
  • ✓ Unlimited global airport lounge access
  • ✓ 5x reward points multiplier abroad
  • ✓ 0% markup installment plans up to 36 months
Considerations (Cons)
  • ⚠ No complimentary airport lounge access
  • ⚠ High income eligibility threshold (PKR 300,000+)