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.

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Feature / Card
NBP
Cashback
•••• •••• •••• 4102
VALID THRU 12/29
NBP Visa Gold Debit Card
VISA

NBP Visa Gold Debit Card

National Bank of 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 Cashback VISA Premium & Luxury VISA
Annual Fee PKR 2,500 / year PKR 25,000 / year (Waived on PKR 250k spend)
Reward / Cashback Rate Utility Bill Cashback & Retail Discounts 5x Reward Points on International & Luxury Spend
Interest / APR / Profit Rate 0% (Direct Account Debit) KIBOR + 13% p.a.
Foreign FX Transaction Fee 3.0% + SBP Advance Tax 3.0% + SBP Advance Tax
Airport Lounge Access Standard Gold Card (No lounge) Unlimited Worldwide Lounges via Visa Airport Companion + CIP Domestic
0% Installments / Financing Debit Card (Instant Account Settlement) HBL Shop Now Pay Later (0% Markup up to 36 months)
Welcome Sign-Up Bonus Free NBP Digital mobile banking access 10,000 Bonus Points + Complimentary Golf Voucher
Credit Score / Income Requirement Any NBP Account Holder High-Net-Worth / Monthly Income: PKR 300,000+
Core Perks & Features
  • Nation's Largest Branch Support: Backed by over 1,500 NBP branches across every district in Pakistan.
  • Utility Bill Payment Discounts: Zero transaction fee on government utility and fee payments via NBP Digital.
  • Visa EMV Contactless: Protected with secure chip technology for domestic and international shopping.
  • 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)
  • ✓ Huge nationwide branch network
  • ✓ Affordable annual fee
  • ✓ Reliable government payroll and pension integration
  • ✓ Unlimited global airport lounge access
  • ✓ 5x reward points multiplier abroad
  • ✓ 0% markup installment plans up to 36 months
Considerations (Cons)
  • ⚠ No complimentary airport lounge access
  • ⚠ High income eligibility threshold (PKR 300,000+)