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
••••
••••
••••
4550
VALID THRU
12/29
UBL Visa Freelancer Debit Card
VISA
UBL Visa Freelancer Debit 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 | Freelancer & Digital Exporter VISA | Premium & Luxury VISA |
| Annual Fee | PKR 2,500 / year (Waived on $500 monthly export remittance) | PKR 25,000 / year (Waived on PKR 250k spend) |
| Reward / Cashback Rate | 1 Point / PKR 100 + Zero SBP Withholding Surcharge | 5x Reward Points on International & Luxury Spend |
| Interest / APR / Profit Rate | 0% (Linked to Freelancer Digital / FCY Account) | KIBOR + 13% p.a. |
| Foreign FX Transaction Fee | 1.5% - Subsidized Foreign Transaction Rate | 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 | Free Digital Debit Card + Fast-Track Remittance Settlement | 10,000 Bonus Points + Complimentary Golf Voucher |
| Credit Score / Income Requirement | Freelancer Exporter Account (Upwork, Fiverr, Remote IT) | High-Net-Worth / Monthly Income: PKR 300,000+ |
| Core Perks & Features |
|
|
| What We Like (Pros) |
|
|
| Considerations (Cons) |
|
|