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
UBL
Travel & Lounges
•••• •••• •••• 5420
VALID THRU 12/29
UBL Mastercard Signature Debit Card

UBL Mastercard Signature Debit Card

United Bank Limited (UBL)
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 Travel & Lounges MASTERCARD Premium & Luxury VISA
Annual Fee PKR 12,000 / year (Complimentary for Signature Tier) PKR 25,000 / year (Waived on PKR 250k spend)
Reward / Cashback Rate 1 Point / PKR 100 + Mastercard Priceless Deals 5x Reward Points on International & Luxury Spend
Interest / APR / Profit Rate 0% (Linked Account) KIBOR + 13% p.a.
Foreign FX Transaction Fee 3.25% + SBP Advance Tax 3.0% + SBP Advance Tax
Airport Lounge Access Domestic CIP Lounges & Regional Middle East Lounges via Mastercard Pass Unlimited Worldwide Lounges via Visa Airport Companion + CIP Domestic
0% Installments / Financing Merchant Installment Plans HBL Shop Now Pay Later (0% Markup up to 36 months)
Welcome Sign-Up Bonus Complimentary Airport Lounge Visits 10,000 Bonus Points + Complimentary Golf Voucher
Credit Score / Income Requirement UBL Premium Account Holder High-Net-Worth / Monthly Income: PKR 300,000+
Core Perks & Features
  • Mastercard Travel Pass: Complimentary lounge access across the Middle East, GCC, North Africa, and Pakistan.
  • Mastercard Priceless Specials: Exclusive 2-for-1 dining and entertainment offers via Mastercard Priceless app.
  • PKR 300,000 Daily ATM Limit: High cash withdrawal ceiling for business and personal liquidity.
  • Purchase & Travel Protection: Built-in purchase protection and flight inconvenience insurance.
  • 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)
  • ✓ Middle East airport lounge access via Mastercard Travel Pass
  • ✓ Mastercard Priceless 2-for-1 dining offers
  • ✓ Generous ATM and POS spending thresholds
  • ✓ Unlimited global airport lounge access
  • ✓ 5x reward points multiplier abroad
  • ✓ 0% markup installment plans up to 36 months
Considerations (Cons)
  • ⚠ Signature banking qualification or premium annual fee
  • ⚠ High income eligibility threshold (PKR 300,000+)