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
Chase
Zero Annual Fee
•••• •••• •••• 4288
VALID THRU 12/29
Chase Freedom Unlimited®
VISA

Chase Freedom Unlimited®

JPMorgan Chase & Co.
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 States (USD - $) 🇵🇰 Pakistan (PKR - Rs. )
Card Category & Network Zero Annual Fee VISA Premium & Luxury VISA
Annual Fee $0 Free Forever PKR 25,000 / year (Waived on PKR 250k spend)
Reward / Cashback Rate 1.5% Unlimited Cash Back + 5% on Chase Travel + 3% on Dining & Drugstores 5x Reward Points on International & Luxury Spend
Interest / APR / Profit Rate 0% Intro APR for 15 months, then 20.49% - 29.24% KIBOR + 13% p.a.
Foreign FX Transaction Fee 3% of each transaction in US dollars 3.0% + SBP Advance Tax
Airport Lounge Access None Unlimited Worldwide Lounges via Visa Airport Companion + CIP Domestic
0% Installments / Financing 0% Intro APR for 15 months on purchases and balance transfers HBL Shop Now Pay Later (0% Markup up to 36 months)
Welcome Sign-Up Bonus $200 Bonus after spending $500 in first 3 months 10,000 Bonus Points + Complimentary Golf Voucher
Credit Score / Income Requirement Good to Excellent (670 - 850) High-Net-Worth / Monthly Income: PKR 300,000+
Core Perks & Features
  • 1.5% Flat Unlimited Cash Back: Earn at least 1.5% cash back on every single purchase with no caps or rotating categories.
  • 3% on Dining & Drugstores: Includes takeout, eligible delivery services, and drugstore prescriptions.
  • 0% Intro APR for 15 Months: 0% intro APR on purchases and balance transfers for your first 15 months.
  • $0 Annual Fee: Maximize cash rewards without worrying about an annual membership charge.
  • 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 annual fee
  • ✓ Combines with Chase Sapphire to convert cash back into transferrable points
  • ✓ 15-month 0% intro APR
  • ✓ Unlimited global airport lounge access
  • ✓ 5x reward points multiplier abroad
  • ✓ 0% markup installment plans up to 36 months
Considerations (Cons)
  • ⚠ Has a 3% foreign transaction fee on overseas purchases
  • ⚠ High income eligibility threshold (PKR 300,000+)