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.

← Back to Cards Directory
Feature / Card
Lloyds Bank
Cashback
•••• •••• •••• 5132
VALID THRU 12/29
Lloyds Bank Cashback Credit Card

Lloyds Bank Cashback Credit Card

Lloyds Bank
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 🇬🇧 United Kingdom (GBP - £) 🇵🇰 Pakistan (PKR - Rs. )
Card Category & Network Cashback MASTERCARD Premium & Luxury VISA
Annual Fee £0 / year PKR 25,000 / year (Waived on PKR 250k spend)
Reward / Cashback Rate 0.50% Cashback on spend up to £4,000, 1.0% above £4,000 5x Reward Points on International & Luxury Spend
Interest / APR / Profit Rate 24.9% Representative APR Variable KIBOR + 13% p.a.
Foreign FX Transaction Fee 2.95% non-sterling transaction fee 3.0% + SBP Advance Tax
Airport Lounge Access None Unlimited Worldwide Lounges via Visa Airport Companion + CIP Domestic
0% Installments / Financing 0% Balance transfer and purchase deals HBL Shop Now Pay Later (0% Markup up to 36 months)
Welcome Sign-Up Bonus £20 Cash Bonus after spending £1,000 in first 90 days 10,000 Bonus Points + Complimentary Golf Voucher
Credit Score / Income Requirement Good UK Credit Score High-Net-Worth / Monthly Income: PKR 300,000+
Core Perks & Features
  • Tiered Up to 1.0% Cashback: 0.5% on annual spend up to £4,000 and 1% on everything over £4,000.
  • Everyday Offers Integration: Up to 15% cashback at top retailers like Sainsbury's, Costa, and Deliveroo.
  • Section 75 Purchase Protection: Statutory legal protection under Section 75 Consumer Credit Act on items over £100.
  • 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)
  • ✓ Automatic annual cashback payout
  • ✓ Everyday Offers bonus boosts
  • ✓ No annual fee
  • ✓ Unlimited global airport lounge access
  • ✓ 5x reward points multiplier abroad
  • ✓ 0% markup installment plans up to 36 months
Considerations (Cons)
  • ⚠ Foreign transactions carry standard UK currency markup
  • ⚠ High income eligibility threshold (PKR 300,000+)