Direct Head-to-Head Card Evaluator

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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
MUFG Bank Pakistan
Business & Corporate
•••• •••• •••• 4990
VALID THRU 12/29
MUFG Corporate Executive Settlement Card
VISA

MUFG Corporate Executive Settlement Card

The Bank of Tokyo-Mitsubishi UFJ Ltd. (MUFG Bank Pakistan)
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 Business & Corporate VISA Premium & Luxury VISA
Annual Fee Institutional Multinational Pricing PKR 25,000 / year (Waived on PKR 250k spend)
Reward / Cashback Rate Japan-Pakistan Bilateral Trade Procurement Rebates 5x Reward Points on International & Luxury Spend
Interest / APR / Profit Rate Corporate Facility Agreement KIBOR + 13% p.a.
Foreign FX Transaction Fee 2.0% Wholesale Interbank FX Rate 3.0% + SBP Advance Tax
Airport Lounge Access VIP Executive Lounges in Tokyo, Karachi & Global Hubs Unlimited Worldwide Lounges via Visa Airport Companion + CIP Domestic
0% Installments / Financing Monthly Consolidated Corporate Clearing HBL Shop Now Pay Later (0% Markup up to 36 months)
Welcome Sign-Up Bonus Direct link to MUFG Global Corporate Clearing 10,000 Bonus Points + Complimentary Golf Voucher
Credit Score / Income Requirement Multinational & Japanese Joint Venture Corporates High-Net-Worth / Monthly Income: PKR 300,000+
Core Perks & Features
  • Bilateral Corporate Trade Settlement: Designed for Japanese multinationals and corporate joint ventures in Pakistan.
  • VIP Airport Lounge Access: Global lounge access across Japan, Pakistan, and Asian financial capitals.
  • 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)
  • ✓ Unmatched backing by Japan's largest financial group
  • ✓ Wholesale corporate FX rates
  • ✓ Institutional expense reporting
  • ✓ Unlimited global airport lounge access
  • ✓ 5x reward points multiplier abroad
  • ✓ 0% markup installment plans up to 36 months
Considerations (Cons)
  • ⚠ Institutional multinational corporations only
  • ⚠ High income eligibility threshold (PKR 300,000+)