Direct Head-to-Head Card Evaluator

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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
Easypaisa
Digital & Microfinance
•••• •••• •••• 9501
VALID THRU 12/29
Easypaisa PayPak Debit Card
PAYPAK

Easypaisa PayPak Debit Card

Easypaisa Bank Limited (Telenor Microfinance Bank)
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 Digital & Microfinance PAYPAK Premium & Luxury VISA
Annual Fee PKR 1,000 one-time fee (Zero Recurring) PKR 25,000 / year (Waived on PKR 250k spend)
Reward / Cashback Rate Instant Cashback & Mobile Load Bonuses 5x Reward Points on International & Luxury Spend
Interest / APR / Profit Rate 0% (Linked to Mobile Wallet) KIBOR + 13% p.a.
Foreign FX Transaction Fee Domestic Only 3.0% + SBP Advance Tax
Airport Lounge Access Standard Digital Card (No lounge) Unlimited Worldwide Lounges via Visa Airport Companion + CIP Domestic
0% Installments / Financing Easypaisa Easycash Nano Loans in App HBL Shop Now Pay Later (0% Markup up to 36 months)
Welcome Sign-Up Bonus PKR 100 Cashback on first card transaction 10,000 Bonus Points + Complimentary Golf Voucher
Credit Score / Income Requirement Any verified Easypaisa wallet user High-Net-Worth / Monthly Income: PKR 300,000+
Core Perks & Features
  • One-Tap App Ordering: Order directly from your phone and receive the physical card delivered to your doorstep.
  • In-App Cashback Offers: Frequent cashback on groceries, fuel stations, and cinema tickets.
  • Instant In-App Card Lock: Freeze or change your ATM PIN instantly from the Easypaisa mobile app.
  • 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 bank branch visit required
  • ✓ Zero annual recurring maintenance fee
  • ✓ Instant transaction notifications in app
  • ✓ Unlimited global airport lounge access
  • ✓ 5x reward points multiplier abroad
  • ✓ 0% markup installment plans up to 36 months
Considerations (Cons)
  • ⚠ Domestic usage only; limited single-transaction wallet limits
  • ⚠ High income eligibility threshold (PKR 300,000+)