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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
Soneri Bank
Premium & Luxury
•••• •••• •••• 5401
VALID THRU 12/29
Soneri World Mastercard Debit Card

Soneri World Mastercard Debit Card

Soneri Bank Limited
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 5,000 / year PKR 25,000 / year (Waived on PKR 250k spend)
Reward / Cashback Rate Soneri Lifestyle & Travel Rewards 5x Reward Points on International & Luxury Spend
Interest / APR / Profit Rate 0% (Direct Account Debit) KIBOR + 13% p.a.
Foreign FX Transaction Fee 2.5% + SBP Advance Tax 3.0% + SBP Advance Tax
Airport Lounge Access Complimentary domestic CIP airport lounge access in Pakistan 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 Complimentary domestic CIP lounge access 10,000 Bonus Points + Complimentary Golf Voucher
Credit Score / Income Requirement Soneri Bank Priority Account Holders High-Net-Worth / Monthly Income: PKR 300,000+
Core Perks & Features
  • CIP Airport Lounge Access: Free access to domestic CIP lounges in Karachi, Lahore, and Islamabad.
  • PKR 250,000 Daily ATM Limit: High cash access and up to PKR 600,000 daily POS retail transaction allowance.
  • Soneri Dining & Healthcare: Up to 30% discount at partner fine dining and diagnostic centers.
  • 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)
  • ✓ High daily transaction limits
  • ✓ Complimentary CIP lounge visits
  • ✓ Roshan Digital Account compatibility
  • ✓ Unlimited global airport lounge access
  • ✓ 5x reward points multiplier abroad
  • ✓ 0% markup installment plans up to 36 months
Considerations (Cons)
  • ⚠ Higher annual fee than classic debit cards
  • ⚠ High income eligibility threshold (PKR 300,000+)