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
Business & Corporate
•••• •••• •••• 4719
VALID THRU 12/29
HBL Visa USD DebitCard
VISA

HBL Visa USD DebitCard

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 Business & Corporate VISA Premium & Luxury VISA
Annual Fee USD 20 / year PKR 25,000 / year (Waived on PKR 250k spend)
Reward / Cashback Rate Commercial Rebates on Global Tech & Travel 5x Reward Points on International & Luxury Spend
Interest / APR / Profit Rate 0% (Linked Foreign Currency Account) KIBOR + 13% p.a.
Foreign FX Transaction Fee 0% on Direct USD Spending 3.0% + SBP Advance Tax
Airport Lounge Access CIP Domestic and Regional Lounges 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 Zero FX Conversion Fees 10,000 Bonus Points + Complimentary Golf Voucher
Credit Score / Income Requirement HBL USD Foreign Currency Account Holder High-Net-Worth / Monthly Income: PKR 300,000+
Core Perks & Features
  • 0% Currency Spread on USD: Spend in US Dollars without losing 3-5% on foreign exchange spreads.
  • Online SaaS & Cloud Subscriptions: Pay AWS, Microsoft Azure, Google Workspace, and Zoom with zero friction.
  • Global Cash Withdrawals: Withdraw local currency at ATMs across 200+ countries at wholesale interbank rates.
  • 3D Secure Verified by Visa: Protected by dynamic OTP verification on foreign merchant portals.
  • 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)
  • ✓ 0% currency conversion markup on direct USD spending
  • ✓ Directly linked to USD foreign currency accounts
  • ✓ Frictionless international payments for tech and travel
  • ✓ Unlimited global airport lounge access
  • ✓ 5x reward points multiplier abroad
  • ✓ 0% markup installment plans up to 36 months
Considerations (Cons)
  • ⚠ Requires maintaining an HBL foreign currency bank account
  • ⚠ High income eligibility threshold (PKR 300,000+)