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
No Annual Fee / Low Fee
•••• •••• •••• 9505
VALID THRU 12/29
UBL PayPak Debit Card
PAYPAK

UBL PayPak 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 No Annual Fee / Low Fee PAYPAK Premium & Luxury VISA
Annual Fee PKR 1,800 / year (Economical) PKR 25,000 / year (Waived on PKR 250k spend)
Reward / Cashback Rate Domestic Retail Discounts 5x Reward Points on International & Luxury Spend
Interest / APR / Profit Rate 0% (Linked Account) KIBOR + 13% p.a.
Foreign FX Transaction Fee N/A (Domestic Only) 3.0% + SBP Advance Tax
Airport Lounge Access Standard Access Unlimited Worldwide Lounges via Visa Airport Companion + CIP Domestic
0% Installments / Financing No HBL Shop Now Pay Later (0% Markup up to 36 months)
Welcome Sign-Up Bonus Basic Onboarding 10,000 Bonus Points + Complimentary Golf Voucher
Credit Score / Income Requirement All UBL Account Holders High-Net-Worth / Monthly Income: PKR 300,000+
Core Perks & Features
  • Pakistan Sovereign Scheme: Settles 100% locally via 1Link, keeping all transaction data within Pakistan.
  • Lowest Annual Card Fee: Most budget-friendly card in the UBL debit portfolio at only PKR 1,800/year.
  • Nationwide 1Link ATMs: Cash withdrawals and balance inquiries at over 18,000 ATMs across Pakistan.
  • PIN-Protected EMV Chip: Robust chip security safeguarding against local skimming and unauthorized use.
  • 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)
  • ✓ Lowest annual fee of any UBL debit card
  • ✓ No international exchange surcharges
  • ✓ Reliable nationwide 1Link interoperability
  • ✓ Unlimited global airport lounge access
  • ✓ 5x reward points multiplier abroad
  • ✓ 0% markup installment plans up to 36 months
Considerations (Cons)
  • ⚠ Cannot be used outside Pakistan or for international websites (e.g. Netflix, Amazon)
  • ⚠ High income eligibility threshold (PKR 300,000+)