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
Santander UK
Cashback
•••• •••• •••• 5188
VALID THRU 12/29
Santander All in One Credit Card

Santander All in One Credit Card

Santander UK
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 £3 / month (£36 / year) PKR 25,000 / year (Waived on PKR 250k spend)
Reward / Cashback Rate 0.5% Cashback on All Purchases + Zero Foreign FX Fees 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 (Zero 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 26 Months 0% Interest on Balance Transfers (0% transfer fee) HBL Shop Now Pay Later (0% Markup up to 36 months)
Welcome Sign-Up Bonus 0% on Balance Transfers for 26 Months (0% balance transfer fee) 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
  • 26 Months 0% Balance Transfer: Pay 0% interest on balance transfers for 26 months with 0% balance transfer fee.
  • No Foreign Transaction Fees Anywhere: Enjoy fee-free purchases abroad in any currency with Mastercard exchange rates.
  • 0.5% Unlimited Cashback: Earn 0.5% cash back on all everyday retail spending paid monthly into account.
  • Santander Retailer Offers: Up to 15% cashback at top high street stores and restaurants.
  • 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)
  • ✓ No foreign transaction fees abroad
  • ✓ Huge 26-month 0% balance transfer offer with no transfer fee
  • ✓ 0.5% cash back on all purchases
  • ✓ Unlimited global airport lounge access
  • ✓ 5x reward points multiplier abroad
  • ✓ 0% markup installment plans up to 36 months
Considerations (Cons)
  • ⚠ £3 monthly account fee (£36/year)
  • ⚠ High income eligibility threshold (PKR 300,000+)