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 Pakistan
Business & Corporate
•••• •••• •••• 5399
VALID THRU 12/29
Citi Commercial & Corporate Card (Pakistan)

Citi Commercial & Corporate Card (Pakistan)

Citibank N.A. (Pakistan)
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 Business & Corporate MASTERCARD Premium & Luxury VISA
Annual Fee Custom Institutional Pricing PKR 25,000 / year (Waived on PKR 250k spend)
Reward / Cashback Rate Consolidated Corporate Rebates & Travel Savings 5x Reward Points on International & Luxury Spend
Interest / APR / Profit Rate Custom Corporate Settlement KIBOR + 13% p.a.
Foreign FX Transaction Fee 2.5% Institutional FX Rate 3.0% + SBP Advance Tax
Airport Lounge Access Global Airport Lounge Access via Mastercard Priority Unlimited Worldwide Lounges via Visa Airport Companion + CIP Domestic
0% Installments / Financing Consolidated Monthly Corporate Billing HBL Shop Now Pay Later (0% Markup up to 36 months)
Welcome Sign-Up Bonus Integration with ERP systems (SAP, Oracle) 10,000 Bonus Points + Complimentary Golf Voucher
Credit Score / Income Requirement Multinational and Top Tier Pakistani Corporates High-Net-Worth / Monthly Income: PKR 300,000+
Core Perks & Features
  • Automated ERP Integration: Seamless transaction export into SAP, Oracle, and enterprise expense systems.
  • VIP Executive Lounges: Complimentary global airport lounge access for executive business travel.
  • 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)
  • ✓ Worldwide corporate acceptance
  • ✓ Advanced expense tracking and audit controls
  • ✓ High single-purchase limits
  • ✓ Unlimited global airport lounge access
  • ✓ 5x reward points multiplier abroad
  • ✓ 0% markup installment plans up to 36 months
Considerations (Cons)
  • ⚠ Available only to multinational and large institutional clients
  • ⚠ High income eligibility threshold (PKR 300,000+)