Compare annual fees, reward rates, interest/APR, sign-up bonuses, foreign transaction fees, and airport lounge access across multiple banks and countries.
| Feature / Card |
Revolut
••••
••••
••••
5573
VALID THRU
12/29
Revolut Metal Contactless Card
Revolut Metal Contactless CardRevolut UK |
HBL
••••
••••
••••
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 | Premium & Luxury MASTERCARD | Premium & Luxury VISA |
| Annual Fee | £14.99 / month (£140 / year billed upfront) | PKR 25,000 / year (Waived on PKR 250k spend) |
| Reward / Cashback Rate | 0.1% UK / 1.0% International Cashback + RevPoints | 5x Reward Points on International & Luxury Spend |
| Interest / APR / Profit Rate | Debit (0% - Prepaid / Stored Value) | KIBOR + 13% p.a. |
| Foreign FX Transaction Fee | £0 (Zero foreign exchange fees on 30+ currencies on weekdays) | 3.0% + SBP Advance Tax |
| Airport Lounge Access | SmartDelay free lounge access on delayed flights + discounted passes | Unlimited Worldwide Lounges via Visa Airport Companion + CIP Domestic |
| 0% Installments / Financing | Prepaid / Stored value card | HBL Shop Now Pay Later (0% Markup up to 36 months) |
| Welcome Sign-Up Bonus | Free Subscriptions: Financial Times, NordVPN, WeWork, Tinder | 10,000 Bonus Points + Complimentary Golf Voucher |
| Credit Score / Income Requirement | Open to All UK Residents | High-Net-Worth / Monthly Income: PKR 300,000+ |
| Core Perks & Features |
|
|
| What We Like (Pros) |
|
|
| Considerations (Cons) |
|
|