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
ICBC Pakistan
Travel & Airline
•••• •••• •••• 6222
VALID THRU 12/29
ICBC UnionPay Dual Currency Card (PKR/CNY)
UNIONPAY

ICBC UnionPay Dual Currency Card (PKR/CNY)

Industrial and Commercial Bank of China Limited (ICBC Pakistan)
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 Travel & Airline UNIONPAY Premium & Luxury VISA
Annual Fee PKR 5,000 / year PKR 25,000 / year (Waived on PKR 250k spend)
Reward / Cashback Rate Zero Currency Conversion Markup in Mainland China 5x Reward Points on International & Luxury Spend
Interest / APR / Profit Rate 0% (Direct Account Debit) KIBOR + 13% p.a.
Foreign FX Transaction Fee 0% FX Fee on CNY transactions in China 3.0% + SBP Advance Tax
Airport Lounge Access UnionPay Diamond Lounges in Beijing, Shanghai & Guangzhou Unlimited Worldwide Lounges via Visa Airport Companion + CIP Domestic
0% Installments / Financing Debit Card (Instant Account Settlement) HBL Shop Now Pay Later (0% Markup up to 36 months)
Welcome Sign-Up Bonus Direct settlement in Chinese Yuan (CNY) & PKR 10,000 Bonus Points + Complimentary Golf Voucher
Credit Score / Income Requirement ICBC Pakistan Account Holders & CPEC Executives High-Net-Worth / Monthly Income: PKR 300,000+
Core Perks & Features
  • 0% FX Conversion in China: Spend directly from your CNY sub-account in mainland China without foreign exchange fees.
  • China Airport Lounges: Access UnionPay high-speed rail and airport VIP lounges across major Chinese cities.
  • CPEC Business Facilitation: Tailored for cross-border commerce, trade procurement, and student expenditures.
  • 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)
  • ✓ Eliminates currency conversion losses for China travel
  • ✓ Widely accepted across all UnionPay merchants in China and Pakistan
  • ✓ High security standards
  • ✓ Unlimited global airport lounge access
  • ✓ 5x reward points multiplier abroad
  • ✓ 0% markup installment plans up to 36 months
Considerations (Cons)
  • ⚠ Limited acceptance in Western countries compared to Visa/Mastercard
  • ⚠ High income eligibility threshold (PKR 300,000+)