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
Meezan Bank
Premium & Luxury
•••• •••• •••• 4388
VALID THRU 12/29
Meezan Visa Platinum Debit Card
VISA

Meezan Visa Platinum 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 10,000 / year (Waived for Meezan Premium Banking) PKR 25,000 / year (Waived on PKR 250k spend)
Reward / Cashback Rate Meezan Card Discounts (Up to 40% Off Dining, Healthcare & Shopping) 5x Reward Points on International & Luxury Spend
Interest / APR / Profit Rate 0% (100% Shariah Compliant - Riba Free) KIBOR + 13% p.a.
Foreign FX Transaction Fee 3.0% + SBP Advance Tax 3.0% + SBP Advance Tax
Airport Lounge Access Complimentary CIP Lounge Access at Karachi, Lahore, Islamabad, Multan & Sialkot Airports Unlimited Worldwide Lounges via Visa Airport Companion + CIP Domestic
0% Installments / Financing Meezan Consumer Financing Integration HBL Shop Now Pay Later (0% Markup up to 36 months)
Welcome Sign-Up Bonus Complimentary CIP Lounge Access + Free Cash Snatching Takaful 10,000 Bonus Points + Complimentary Golf Voucher
Credit Score / Income Requirement Meezan Bank Account Holders (Savings / Current) High-Net-Worth / Monthly Income: PKR 300,000+
Core Perks & Features
  • Meezan Card Discounts Portal: Up to 40% off at 1,500+ partner outlets: Dining (PC, Serena, Marriott, Nandos), Retail (J., Almirah), & Labs (Essa, Chughtai) via meezanbank.com/card-discounts/.
  • Complimentary CIP Airport Lounges: Free access to CIP lounges at Karachi (Jinnah Intl), Lahore (Allama Iqbal), Islamabad, Multan, and Sialkot.
  • High Transaction Limits: Up to PKR 200,000 daily ATM cash withdrawal and PKR 1,000,000 daily POS/E-commerce spending threshold.
  • 100% Riba-Free Shariah Certified: Governed by Meezan Bank's Resident Shariah Board under Islamic Ujrah principles.
  • Meezan Dining & Retail Privileges: Exclusive discounts up to 30% at over 1,500 partner restaurants and retail outlets nationwide.
  • 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)
  • ✓ Discounts up to 40% across 1,500+ dining, healthcare & retail alliances
  • ✓ Complimentary CIP airport lounge access across Pakistan
  • ✓ Substantial daily transaction limit (PKR 1 Million POS/E-commerce)
  • ✓ 100% Shariah compliant with pure Halal merchant filtering
  • ✓ Complimentary fee waivers for Meezan Premium Banking customers
  • ✓ Unlimited global airport lounge access
  • ✓ 5x reward points multiplier abroad
  • ✓ 0% markup installment plans up to 36 months
Considerations (Cons)
  • ⚠ Annual fee of PKR 10,000 (unless qualifying for Premium Banking balance)
  • ⚠ High income eligibility threshold (PKR 300,000+)