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.

← Back to Cards Directory
Feature / Card
UBL
Travel & Lounges
•••• •••• •••• 6221
VALID THRU 12/29
UBL UnionPay International Debit Card
UNIONPAY

UBL UnionPay International 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 UNIONPAY Premium & Luxury VISA
Annual Fee PKR 2,500 / year PKR 25,000 / year (Waived on PKR 250k spend)
Reward / Cashback Rate 1 Point / PKR 100 spent 5x Reward Points on International & Luxury Spend
Interest / APR / Profit Rate 0% (Linked Account) KIBOR + 13% p.a.
Foreign FX Transaction Fee 3.0% + SBP Advance Tax 3.0% + SBP Advance Tax
Airport Lounge Access UnionPay Lounge Network in China and East Asia 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 UnionPay International Travel Privileges 10,000 Bonus Points + Complimentary Golf Voucher
Credit Score / Income Requirement Any UBL Checking / Savings Account High-Net-Worth / Monthly Income: PKR 300,000+
Core Perks & Features
  • 100% Acceptance in China & Asia: Universal acceptance at merchant terminals and ATMs across mainland China and East Asia.
  • CPEC & Trader Friendly: Direct RMB clearing without mandatory dual USD currency conversion steps.
  • Domestic 1Link Connectivity: Works smoothly at all ATMs and retail POS counters in Pakistan.
  • UPI Global Dining Perks: Exclusive shopping promotions at international duty-free airports.
  • 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)
  • ✓ Best card for travel or trade in China and East Asia
  • ✓ Affordable annual fee
  • ✓ Lower foreign exchange spreads in Asia
  • ✓ Unlimited global airport lounge access
  • ✓ 5x reward points multiplier abroad
  • ✓ 0% markup installment plans up to 36 months
Considerations (Cons)
  • ⚠ Online e-commerce acceptance lower in North America compared to Visa/MC
  • ⚠ High income eligibility threshold (PKR 300,000+)