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
HBL
No Annual Fee / Low Fee
•••• •••• •••• 4203
VALID THRU 12/29
HBL Green CreditCard
VISA

HBL Green CreditCard

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 No Annual Fee / Low Fee VISA Premium & Luxury VISA
Annual Fee PKR 3,500 / year (Waived on PKR 35k spend) PKR 25,000 / year (Waived on PKR 250k spend)
Reward / Cashback Rate 1 Point / PKR 100 spent 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 Standard Access Unlimited Worldwide Lounges via Visa Airport Companion + CIP Domestic
0% Installments / Financing HBL Shop Now Pay Later (LIP) HBL Shop Now Pay Later (0% Markup up to 36 months)
Welcome Sign-Up Bonus 1,000 Welcome Reward Points 10,000 Bonus Points + Complimentary Golf Voucher
Credit Score / Income Requirement Min Monthly Income: PKR 35,000 High-Net-Worth / Monthly Income: PKR 300,000+
Core Perks & Features
  • Everyday Revolving Credit: Affordable credit line for shopping, grocery runs, and bill payments.
  • Shop Now Pay Later: Convert purchases of PKR 3,000+ into equal monthly installments up to 36 months.
  • Cash Transfer Facility: Transfer credit line funds directly into any HBL bank account via phone banking.
  • 3D Secure Protection: Verified by Visa two-factor authentication on all online shopping transactions.
  • 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)
  • ✓ Accessible income requirement of PKR 35,000
  • ✓ Shop Now Pay Later installment plans
  • ✓ Cash transfer facility to bank accounts
  • ✓ Unlimited global airport lounge access
  • ✓ 5x reward points multiplier abroad
  • ✓ 0% markup installment plans up to 36 months
Considerations (Cons)
  • ⚠ No complimentary airport lounge access
  • ⚠ High income eligibility threshold (PKR 300,000+)