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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
MCB Islamic
Islamic Shariah
•••• •••• •••• 5490
VALID THRU 12/29
MCB Islamic World Mastercard Debit Card

MCB Islamic World Mastercard Debit Card

MCB Islamic Bank Limited
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 Islamic Shariah MASTERCARD Premium & Luxury VISA
Annual Fee PKR 4,800 / year PKR 25,000 / year (Waived on PKR 250k spend)
Reward / Cashback Rate Halal Dining & Healthcare Privileges 5x Reward Points on International & Luxury Spend
Interest / APR / Profit Rate 0% (Strictly Riba-Free) KIBOR + 13% p.a.
Foreign FX Transaction Fee 2.5% + SBP Advance Tax 3.0% + SBP Advance Tax
Airport Lounge Access Complimentary Domestic CIP Lounge Access in Pakistan Unlimited Worldwide Lounges via Visa Airport Companion + CIP Domestic
0% Installments / Financing Debit Card (Direct Account Clearing) HBL Shop Now Pay Later (0% Markup up to 36 months)
Welcome Sign-Up Bonus Complimentary Takaful Protection 10,000 Bonus Points + Complimentary Golf Voucher
Credit Score / Income Requirement MCB Islamic Account Holders High-Net-Worth / Monthly Income: PKR 300,000+
Core Perks & Features
  • Certified Islamic Structure: 100% compliant with Islamic principles approved by Shariah Supervisory Board.
  • Free CIP Lounge Visits: Complimentary domestic CIP airport lounge access in Karachi, Lahore, and Islamabad.
  • Takaful Protection: Free ATM cash snatching and accidental hospital coverage.
  • 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)
  • ✓ Certified Riba-free banking
  • ✓ Complimentary airport lounge visits
  • ✓ High daily spending allowance
  • ✓ Unlimited global airport lounge access
  • ✓ 5x reward points multiplier abroad
  • ✓ 0% markup installment plans up to 36 months
Considerations (Cons)
  • ⚠ Cannot be used at non-Shariah merchants
  • ⚠ High income eligibility threshold (PKR 300,000+)