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
Citi
Cashback
•••• •••• •••• 5424
VALID THRU 12/29
Citi® Double Cash Card

Citi® Double Cash Card

Citigroup (Citi)
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 Cashback MASTERCARD Premium & Luxury VISA
Annual Fee $0 Free Forever PKR 25,000 / year (Waived on PKR 250k spend)
Reward / Cashback Rate 2% Total Cash Back (1% when you buy + 1% when you pay) 5x Reward Points on International & Luxury Spend
Interest / APR / Profit Rate 0% Intro APR on Balance Transfers for 18 months, then 19.24% - 29.24% KIBOR + 13% p.a.
Foreign FX Transaction Fee 3% of each purchase 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 on balance transfers for 18 months HBL Shop Now Pay Later (0% Markup up to 36 months)
Welcome Sign-Up Bonus $200 Cash Back bonus after $1,500 spend in first 6 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
  • 2% Unlimited Cash Back Everywhere: 1% cash back at purchase + 1% as you pay off your balance.
  • 18-Month 0% Balance Transfer Offer: One of the longest zero-interest balance transfer windows in the country.
  • Zero Annual Fee: Enjoy continuous 2% earnings with zero annual maintenance cost.
  • 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)
  • ✓ Simple flat 2% return
  • ✓ Exceptional 18-month 0% balance transfer window
  • ✓ Converts to Citi ThankYou points
  • ✓ 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
  • ⚠ High income eligibility threshold (PKR 300,000+)