Direct Head-to-Head Card Evaluator

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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
UBL
Business & Corporate
•••• •••• •••• 4612
VALID THRU 12/29
UBL Visa FCY Business Debit Card
VISA

UBL Visa FCY Business 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 Business & Corporate VISA Premium & Luxury VISA
Annual Fee USD 25 / year PKR 25,000 / year (Waived on PKR 250k spend)
Reward / Cashback Rate Commercial Rebates on Corporate SaaS & Travel 5x Reward Points on International & Luxury Spend
Interest / APR / Profit Rate 0% (Linked USD Corporate Account) KIBOR + 13% p.a.
Foreign FX Transaction Fee 0% on Direct USD Spend 3.0% + SBP Advance Tax
Airport Lounge Access CIP Domestic and Regional Middle East Lounges 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 Free Multi-User Employee Sub-Cards Available 10,000 Bonus Points + Complimentary Golf Voucher
Credit Score / Income Requirement UBL Foreign Currency Business Account High-Net-Worth / Monthly Income: PKR 300,000+
Core Perks & Features
  • 0% FX on USD Spending: Zero currency conversion spread on transactions billed directly in US Dollars.
  • Corporate Cross-Border Trade: High limit allowance for international trade subscriptions, vendor invoices, and travel.
  • Executive Airport Lounges: Complimentary domestic CIP lounge access for corporate executives.
  • Corporate Liability Shield: Full enterprise-level fraud protection and per-card limit provisioning.
  • 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)
  • ✓ 0% currency conversion fee on direct USD transactions
  • ✓ Directly linked to USD foreign currency accounts
  • ✓ Designed for B2B procurement and corporate travel
  • ✓ Unlimited global airport lounge access
  • ✓ 5x reward points multiplier abroad
  • ✓ 0% markup installment plans up to 36 months
Considerations (Cons)
  • ⚠ Requires active corporate FCY business bank account with UBL
  • ⚠ High income eligibility threshold (PKR 300,000+)