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
NatWest
Cashback
•••• •••• •••• 5482
VALID THRU 12/29
NatWest Reward Credit Card

NatWest Reward Credit Card

NatWest
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 🇬🇧 United Kingdom (GBP - £) 🇵🇰 Pakistan (PKR - Rs. )
Card Category & Network Cashback MASTERCARD Premium & Luxury VISA
Annual Fee £24 / year (Refunded if you hold NatWest Reward Current Account) PKR 25,000 / year (Waived on PKR 250k spend)
Reward / Cashback Rate 1% Back at Supermarkets + 1% to 15% at Partner Retailers 5x Reward Points on International & Luxury Spend
Interest / APR / Profit Rate 28.9% Representative APR Variable KIBOR + 13% p.a.
Foreign FX Transaction Fee £0 (No Foreign Transaction Fees Abroad) 3.0% + SBP Advance Tax
Airport Lounge Access None Unlimited Worldwide Lounges via Visa Airport Companion + CIP Domestic
0% Installments / Financing NatWest installment plans available in app HBL Shop Now Pay Later (0% Markup up to 36 months)
Welcome Sign-Up Bonus No foreign transaction fees abroad 10,000 Bonus Points + Complimentary Golf Voucher
Credit Score / Income Requirement UK Resident with Good Credit Score High-Net-Worth / Monthly Income: PKR 300,000+
Core Perks & Features
  • 1% Back on Supermarket Spend: Earn 1% Rewards on all purchases at any UK supermarket without caps.
  • No Foreign Transaction Fees Abroad: Pay zero foreign currency fees when making purchases outside the UK.
  • Up to 15% Back at Partner Retailers: Earn additional cashback at national retailers like Caffe Nero, Europcar, and more.
  • £24 Annual Fee Refunded: Annual card fee is refunded if you also hold a NatWest Reward Current Account.
  • 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)
  • ✓ 1% on all grocery shopping
  • ✓ No foreign transaction fees abroad
  • ✓ Fee refunded for Reward Current Account holders
  • ✓ Unlimited global airport lounge access
  • ✓ 5x reward points multiplier abroad
  • ✓ 0% markup installment plans up to 36 months
Considerations (Cons)
  • ⚠ £24 annual fee if you do not hold a linked current account
  • ⚠ High income eligibility threshold (PKR 300,000+)