Compare annual fees, reward rates, interest/APR, sign-up bonuses, foreign transaction fees, and airport lounge access across multiple banks and countries.
| Feature / Card |
Monzo
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5353
VALID THRU
12/29
Monzo Max Holographic Debit Card
Monzo Max Holographic Debit CardMonzo Bank |
HBL
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••••
4999
VALID THRU
12/29
HBL Infinite CreditCard
VISA
HBL Infinite CreditCardHabib Bank Limited (HBL) |
|---|---|---|
| Country & Currency | 🇬🇧 United Kingdom (GBP - £) | 🇵🇰 Pakistan (PKR - Rs. ) |
| Card Category & Network | Travel & Miles MASTERCARD | Premium & Luxury VISA |
| Annual Fee | £17 / month (£204 / year) | PKR 25,000 / year (Waived on PKR 250k spend) |
| Reward / Cashback Rate | Worldwide Travel & Phone Insurance + Free Lounge Access Upgrades | 5x Reward Points on International & Luxury Spend |
| Interest / APR / Profit Rate | Debit (Overdraft optional: 19% - 39% EAR) | KIBOR + 13% p.a. |
| Foreign FX Transaction Fee | £0 (Zero Fees on Overseas Spending at Mastercard rate) | 3.0% + SBP Advance Tax |
| Airport Lounge Access | Discounted £24 LoungeKey airport lounge passes | Unlimited Worldwide Lounges via Visa Airport Companion + CIP Domestic |
| 0% Installments / Financing | Monzo Flex: 0% interest on 3 monthly installments | HBL Shop Now Pay Later (0% Markup up to 36 months) |
| Welcome Sign-Up Bonus | Family Worldwide Travel & Mobile Insurance | 10,000 Bonus Points + Complimentary Golf Voucher |
| Credit Score / Income Requirement | Any UK Monzo Account User | High-Net-Worth / Monthly Income: PKR 300,000+ |
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