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
Premium & Luxury
•••• •••• •••• 5188
VALID THRU 12/29
The Bank of Punjab Mastercard Platinum Credit Card

The Bank of Punjab Mastercard Platinum 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 Premium & Luxury MASTERCARD Premium & Luxury VISA
Annual Fee PKR 15,625 / year (Supplementary: PKR 7,812) PKR 25,000 / year (Waived on PKR 250k spend)
Reward / Cashback Rate Accelerated Points on Dining, Airline Bookings & Retail 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 Domestic CIP Lounges at Lahore, Karachi, and Islamabad 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 3,000 Welcome Reward Points 10,000 Bonus Points + Complimentary Golf Voucher
Credit Score / Income Requirement Min Monthly Income: PKR 100,000 High-Net-Worth / Monthly Income: PKR 300,000+
Core Perks & Features
  • CIP Domestic Lounge Relaxation: Free access to domestic CIP lounges in Lahore, Karachi, and Islamabad.
  • Dining & Lifestyle Savings: Up to 30% discount at premier restaurants, luxury hotels, and retail outlets.
  • Easy Equal Monthly Installments: Convert purchases of PKR 3,000+ into 3 to 36 months installment plans.
  • EMV Chip & 3D Secure Protection: Safe transactions protected by dynamic OTP and biometric verification on digiBOP.
  • 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)
  • ✓ Domestic CIP airport lounge access included
  • ✓ Low PKR 3,000 minimum threshold for installment conversion
  • ✓ Accessible PKR 100,000 monthly income requirement
  • ✓ Unlimited global airport lounge access
  • ✓ 5x reward points multiplier abroad
  • ✓ 0% markup installment plans up to 36 months
Considerations (Cons)
  • ⚠ Supplementary card annual fee of PKR 7,812
  • ⚠ High income eligibility threshold (PKR 300,000+)