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
Standard Chartered
Premium & Luxury
•••• •••• •••• 5188
VALID THRU 12/29
Standard Chartered World Credit Card

Standard Chartered World Credit Card

Standard Chartered 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 Premium & Luxury MASTERCARD Premium & Luxury VISA
Annual Fee PKR 15,000 / year PKR 25,000 / year (Waived on PKR 250k spend)
Reward / Cashback Rate 5x Reward Points on All International Spends 5x Reward Points on International & Luxury Spend
Interest / APR / Profit Rate KIBOR + 13.5% p.a. KIBOR + 13% p.a.
Foreign FX Transaction Fee 2.25% (Lowest Bank FX Markup in Pakistan) 3.0% + SBP Advance Tax
Airport Lounge Access Unlimited Worldwide LoungeKey Airport Lounges Unlimited Worldwide Lounges via Visa Airport Companion + CIP Domestic
0% Installments / Financing SCB KuchBhi 0% Installment Plans HBL Shop Now Pay Later (0% Markup up to 36 months)
Welcome Sign-Up Bonus 10,000 Activation Points + Complimentary Golf Passes 10,000 Bonus Points + Complimentary Golf Voucher
Credit Score / Income Requirement Min Monthly Income: PKR 250,000 High-Net-Worth / Monthly Income: PKR 300,000+
Core Perks & Features
  • 5x International Rewards: Earn 5 reward points on every PKR 100 spent internationally in foreign currency.
  • Unlimited LoungeKey Visits: Free access to 1,200+ airport lounges worldwide with complimentary guest passes.
  • Complimentary Golf Rounds: Complimentary tee times at premier golf clubs across Karachi, Lahore, and Islamabad.
  • Lowest Foreign FX Markup in PK: Competitive international exchange rates with minimal bank commission.
  • 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)
  • ✓ Ideal for frequent international travelers from Pakistan
  • ✓ World-class Mastercard concierge
  • ✓ Best overseas points multiplier
  • ✓ Unlimited global airport lounge access
  • ✓ 5x reward points multiplier abroad
  • ✓ 0% markup installment plans up to 36 months
Considerations (Cons)
  • ⚠ High annual fee and strict income eligibility requirements
  • ⚠ High income eligibility threshold (PKR 300,000+)