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
HBL
Cashback & Rewards
•••• •••• •••• 4821
VALID THRU 12/29
HBL Gold Credit Card
VISA

HBL Gold Credit Card

Habib Bank Limited (HBL)
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 Cashback & Rewards VISA Premium & Luxury VISA
Annual Fee PKR 6,000 (Waived on PKR 60k spend) PKR 25,000 / year (Waived on PKR 250k spend)
Reward / Cashback Rate 1.5% Cashback equivalent in Reward Points 5x Reward Points on International & Luxury Spend
Interest / APR / Profit Rate KIBOR + 15% 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 on select ticket classes Unlimited Worldwide Lounges via Visa Airport Companion + CIP Domestic
0% Installments / Financing HBL EasyInstallments: 0% Markup on purchases above PKR 3,000 HBL Shop Now Pay Later (0% Markup up to 36 months)
Welcome Sign-Up Bonus 2,500 Bonus Points upon first swipe 10,000 Bonus Points + Complimentary Golf Voucher
Credit Score / Income Requirement Min Monthly Income: PKR 60,000 High-Net-Worth / Monthly Income: PKR 300,000+
Core Perks & Features
  • Up to 25% Off Partner Outlets: Substantial dining, apparel, and lifestyle discounts across Pakistan.
  • HBL EasyInstallments: Convert purchases above PKR 3,000 into 0% markup installments for up to 12 months.
  • Fuel Surcharge Rebate: 1% cash rebate on all fuel purchases at licensed service stations.
  • Tap & Pay Contactless: Quick contactless payments for daily transactions without entering PIN under threshold.
  • 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)
  • ✓ Low income threshold for salaried professionals
  • ✓ Frequent retail & dining promotions
  • ✓ 0% markup installment plans
  • ✓ Unlimited global airport lounge access
  • ✓ 5x reward points multiplier abroad
  • ✓ 0% markup installment plans up to 36 months
Considerations (Cons)
  • ⚠ Domestic lounge access limited to select ticket classes
  • ⚠ High income eligibility threshold (PKR 300,000+)