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
Digital & Virtual Prepaid
•••• •••• •••• 9518
VALID THRU 12/29
HBL Konnect Debit / Wallet Card
PAYPAK

HBL Konnect Debit / Wallet 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 Digital & Virtual Prepaid PAYPAK Premium & Luxury VISA
Annual Fee PKR 1,200 issuance / Low maintenance PKR 25,000 / year (Waived on PKR 250k spend)
Reward / Cashback Rate Cashback on Mobile Top-ups & Utility Bills 5x Reward Points on International & Luxury Spend
Interest / APR / Profit Rate 0% (Linked Konnect Mobile Wallet) KIBOR + 13% p.a.
Foreign FX Transaction Fee N/A (Domestic Wallet Card) 3.0% + SBP Advance Tax
Airport Lounge Access N/A Unlimited Worldwide Lounges via Visa Airport Companion + CIP Domestic
0% Installments / Financing No HBL Shop Now Pay Later (0% Markup up to 36 months)
Welcome Sign-Up Bonus Instant Digital Onboarding on Konnect App 10,000 Bonus Points + Complimentary Golf Voucher
Credit Score / Income Requirement Any Registered HBL Konnect User High-Net-Worth / Monthly Income: PKR 300,000+
Core Perks & Features
  • Instant Branchless Onboarding: Open a mobile account in minutes using just your CNIC and mobile number.
  • ATM Cash Withdrawals: Withdraw wallet funds from any ATM in Pakistan or at over 50,000 Konnect agents.
  • Utility Bills & Mobile Top-ups: Pay bills and buy mobile packages directly from the app or swipe at local stores.
  • Zero Minimum Balance: No balance penalty fees or complex bank paperwork required.
  • 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 to open or maintain
  • ✓ Zero minimum balance penalty
  • ✓ Works at all local ATMs and Konnect agent points
  • ✓ Unlimited global airport lounge access
  • ✓ 5x reward points multiplier abroad
  • ✓ 0% markup installment plans up to 36 months
Considerations (Cons)
  • ⚠ Monthly wallet transaction limits apply according to SBP level tiers
  • ⚠ High income eligibility threshold (PKR 300,000+)