Compare annual fees, reward rates, interest/APR, sign-up bonuses, foreign transaction fees, and airport lounge access across multiple banks and countries.
| Feature / Card |
UBL
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4022
VALID THRU
12/29
UBL Visa Signature Credit Card
VISA
UBL Visa Signature Credit CardUnited Bank Limited (UBL) |
HBL
••••
••••
••••
4999
VALID THRU
12/29
HBL Infinite CreditCard
VISA
HBL Infinite CreditCardHabib Bank Limited (HBL) |
|---|---|---|
| Country & Currency | 🇵🇰 Pakistan (PKR - Rs. ) | 🇵🇰 Pakistan (PKR - Rs. ) |
| Card Category & Network | Premium & Luxury VISA | Premium & Luxury VISA |
| Annual Fee | PKR 9,000 (Waived on PKR 90k annual spend) | PKR 25,000 / year (Waived on PKR 250k spend) |
| Reward / Cashback Rate | 1 Point / PKR 100 (Redemption: 1 pt = PKR 0.30) | 5x Reward Points on International & Luxury Spend |
| Interest / APR / Profit Rate | KIBOR + 14% p.a. (Lite Installment Plan Available) | KIBOR + 13% p.a. |
| Foreign FX Transaction Fee | 3.25% + SBP Advance Tax | 3.0% + SBP Advance Tax |
| Airport Lounge Access | CIP Lounges (Karachi, Lahore, Islamabad) + Regional Lounges | Unlimited Worldwide Lounges via Visa Airport Companion + CIP Domestic |
| 0% Installments / Financing | Lite Installment Plan (LIP): 3-36 mos (0% markup partner promos) | HBL Shop Now Pay Later (0% Markup up to 36 months) |
| Welcome Sign-Up Bonus | 3,000 Activation Points + PKR 1,500 Fuel Voucher | 10,000 Bonus Points + Complimentary Golf Voucher |
| Credit Score / Income Requirement | Min Monthly Income: PKR 100,000 | High-Net-Worth / Monthly Income: PKR 300,000+ |
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