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
Women Empowerment
•••• •••• •••• 4452
VALID THRU 12/29
HBL Nisa CreditCard
VISA

HBL Nisa 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 Women Empowerment VISA Premium & Luxury VISA
Annual Fee PKR 3,000 / year (50% Off First Year) PKR 25,000 / year (Waived on PKR 250k spend)
Reward / Cashback Rate 2X Points on Health, Salons, Supermarkets & Dining 5x Reward Points on International & Luxury Spend
Interest / APR / Profit Rate KIBOR + 14% 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 Nisa 0% Installment Schemes HBL Shop Now Pay Later (0% Markup up to 36 months)
Welcome Sign-Up Bonus Curated Lifestyle & Healthcare Vouchers 10,000 Bonus Points + Complimentary Golf Voucher
Credit Score / Income Requirement Women Account Holders / Salaried / Business High-Net-Worth / Monthly Income: PKR 300,000+
Core Perks & Features
  • Health & Wellness Discounts: Up to 40% off at premier diagnostic labs, wellness clinics, and pharmacies.
  • 2X Points on Retail & Beauty: Accelerated points on apparel boutiques, salons, and grocery purchases.
  • Complimentary Takaful Protection: Coverage for critical female ailments and personal accident protection.
  • HBL Nisa Business Loans: Preferential financing rates for women entrepreneurs and startup owners.
  • 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)
  • ✓ 50% annual fee waiver for female cardholders
  • ✓ Double reward points on healthcare and household purchases
  • ✓ Complimentary female health takaful
  • ✓ Unlimited global airport lounge access
  • ✓ 5x reward points multiplier abroad
  • ✓ 0% markup installment plans up to 36 months
Considerations (Cons)
  • ⚠ Restricted to female applicants
  • ⚠ High income eligibility threshold (PKR 300,000+)