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
Cashback & Rewards
•••• •••• •••• 4382
VALID THRU 12/29
UBL Visa Premium Plus Debit Card
VISA

UBL Visa Premium Plus 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 Cashback & Rewards VISA Premium & Luxury VISA
Annual Fee PKR 4,500 / 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 3.5% + SBP Advance Tax 3.0% + SBP Advance Tax
Airport Lounge Access Discounted CIP Domestic Lounge Access Unlimited Worldwide Lounges via Visa Airport Companion + CIP Domestic
0% Installments / Financing UBL PayLater at select merchants HBL Shop Now Pay Later (0% Markup up to 36 months)
Welcome Sign-Up Bonus 1,000 UBL Digital Reward Points 10,000 Bonus Points + Complimentary Golf Voucher
Credit Score / Income Requirement UBL Current or Savings Account High-Net-Worth / Monthly Income: PKR 300,000+
Core Perks & Features
  • Contactless NFC Tap & Pay: Fast and secure contactless payments at merchant checkouts nationwide and overseas.
  • Elevated POS Limits: Daily POS and online shopping allowance up to PKR 500,000.
  • Golootlo Deals Network: Save up to 40% on dining, healthcare, apparel, and travel bookings.
  • 24/7 Real-Time Fraud Shield: Instant SMS alerts and biometric verification on the UBL Digital App.
  • 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)
  • ✓ Generous PKR 500,000 POS and e-commerce limit
  • ✓ Contactless NFC tap-to-pay convenience
  • ✓ Broad discount network nationwide
  • ✓ Unlimited global airport lounge access
  • ✓ 5x reward points multiplier abroad
  • ✓ 0% markup installment plans up to 36 months
Considerations (Cons)
  • ⚠ CIP domestic airport lounge access is not complimentary
  • ⚠ High income eligibility threshold (PKR 300,000+)