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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
Meezan Bank
Premium & Luxury
•••• •••• •••• 4988
VALID THRU 12/29
Meezan Visa Infinite Debit Card
VISA

Meezan Visa Infinite Debit Card

Meezan 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 🇵🇰 Pakistan (PKR - Rs. ) 🇵🇰 Pakistan (PKR - Rs. )
Card Category & Network Premium & Luxury VISA Premium & Luxury VISA
Annual Fee PKR 42,500 / year (Free for Meezan Premium Banking Clients) PKR 25,000 / year (Waived on PKR 250k spend)
Reward / Cashback Rate Meezan Infinite Elite Privileges (Up to 50% Off 5-Star Dining & Luxury Hotels) 5x Reward Points on International & Luxury Spend
Interest / APR / Profit Rate 0% (Strictly Riba-Free) KIBOR + 13% p.a.
Foreign FX Transaction Fee 2.0% + SBP Advance Tax 3.0% + SBP Advance Tax
Airport Lounge Access Unlimited Worldwide LoungeKey Access (Cardholder + 1 Guest) Unlimited Worldwide Lounges via Visa Airport Companion + CIP Domestic
0% Installments / Financing Debit Card (PKR 1,000,000 Daily POS Limit) HBL Shop Now Pay Later (0% Markup up to 36 months)
Welcome Sign-Up Bonus Unlimited LoungeKey International Passes 10,000 Bonus Points + Complimentary Golf Voucher
Credit Score / Income Requirement Meezan Premium Account Customers High-Net-Worth / Monthly Income: PKR 300,000+
Core Perks & Features
  • Meezan Infinite Luxury Privileges: Top-tier discounts up to 50% at 5-star hotels (Pearl Continental, Serena, Marriott), fine dining, Avis car rental (up to 35% off), and luxury resorts.
  • Unlimited Worldwide Lounge Access: Complimentary access for cardholder plus guest to 1,200+ airport lounges globally.
  • 24/7 Global Visa Infinite Concierge: Personal concierge for travel, flight bookings, hotel reservations, and emergency assistance.
  • PKR 1,000,000 Daily POS Limit: Massive purchasing power for luxury retail, travel, and online purchases.
  • Visa Luxury Hotel Collection: Complimentary room upgrades, free breakfast, and $25 food/beverage credit at 900+ luxury hotels.
  • 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)
  • ✓ Top-tier luxury hotel and fine dining discounts up to 50%
  • ✓ Worldwide unlimited lounge access (cardholder + guest)
  • ✓ Shariah-compliant luxury debit
  • ✓ Exceptional concierge support
  • ✓ Complimentary fee waivers for Premium Banking clients
  • ✓ Unlimited global airport lounge access
  • ✓ 5x reward points multiplier abroad
  • ✓ 0% markup installment plans up to 36 months
Considerations (Cons)
  • ⚠ Reserved strictly for Meezan Premium Banking clientele
  • ⚠ High income eligibility threshold (PKR 300,000+)