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
PPCBL
Agricultural & Kisan
•••• •••• •••• 9440
VALID THRU 12/29
PPCBL Cooperative Kisan Card
PAYPAK

PPCBL Cooperative Kisan Card

Punjab Provincial Cooperative Bank Ltd.
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 Agricultural & Kisan PAYPAK Premium & Luxury VISA
Annual Fee PKR 800 / year (Subsidized) PKR 25,000 / year (Waived on PKR 250k spend)
Reward / Cashback Rate Direct Punjab Farmer Subsidy Grants 5x Reward Points on International & Luxury Spend
Interest / APR / Profit Rate Subsidized Punjab Agri Mark-up KIBOR + 13% p.a.
Foreign FX Transaction Fee Domestic Only 3.0% + SBP Advance Tax
Airport Lounge Access Specialized Rural Card (No lounge) Unlimited Worldwide Lounges via Visa Airport Companion + CIP Domestic
0% Installments / Financing Biannual Crop Harvest Repayments HBL Shop Now Pay Later (0% Markup up to 36 months)
Welcome Sign-Up Bonus Zero account maintenance fee for rural cooperatives 10,000 Bonus Points + Complimentary Golf Voucher
Credit Score / Income Requirement Members of Punjab Cooperative Societies High-Net-Worth / Monthly Income: PKR 300,000+
Core Perks & Features
  • Punjab Farmer Subsidies: Direct digital subsidy transfers on pesticides, diesel, and agricultural machinery.
  • Free 1LINK ATM Access: Withdraw agricultural funds without extra fee across rural ATM hubs.
  • 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)
  • ✓ Lowest annual fee in Pakistan
  • ✓ Direct link to cooperative credit societies
  • ✓ Tailored for smallholder farmers
  • ✓ Unlimited global airport lounge access
  • ✓ 5x reward points multiplier abroad
  • ✓ 0% markup installment plans up to 36 months
Considerations (Cons)
  • ⚠ Restricted to Punjab cooperative society members
  • ⚠ High income eligibility threshold (PKR 300,000+)