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
Women Empowerment
•••• •••• •••• 4733
VALID THRU 12/29
UBL Visa Urooj Debit Card
VISA

UBL Visa Urooj 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 Women Empowerment VISA Premium & Luxury VISA
Annual Fee PKR 1,500 / year (50% Off First Year) PKR 25,000 / year (Waived on PKR 250k spend)
Reward / Cashback Rate Double Reward Points on Health, Beauty, and Groceries 5x Reward Points on International & Luxury Spend
Interest / APR / Profit Rate 0% (Linked Urooj Account) KIBOR + 13% p.a.
Foreign FX Transaction Fee 3.5% + SBP Advance Tax 3.0% + SBP Advance Tax
Airport Lounge Access Standard Access Unlimited Worldwide Lounges via Visa Airport Companion + CIP Domestic
0% Installments / Financing UBL Urooj Financing Integration HBL Shop Now Pay Later (0% Markup up to 36 months)
Welcome Sign-Up Bonus Exclusive Merchant Welcome Vouchers 10,000 Bonus Points + Complimentary Golf Voucher
Credit Score / Income Requirement UBL Urooj Women Checking or Savings Account High-Net-Worth / Monthly Income: PKR 300,000+
Core Perks & Features
  • Women-Centric Lifestyle Discounts: Up to 50% off at premier salons, diagnostic labs, boutique apparel, and jewelry.
  • Urooj Business Financing Perks: Linked access to low-markup SBP SME financing for women entrepreneurs.
  • Accelerated Points on Groceries: 2X reward points on grocery supermarket runs and online essentials.
  • Complimentary Takaful Protection: Personal accident insurance and female cancer care assistance support.
  • 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)
  • ✓ Heavily subsidized annual fee (PKR 1,500)
  • ✓ Double reward points on household essentials and beauty
  • ✓ Direct pathway to Urooj women entrepreneur micro-loans
  • ✓ Unlimited global airport lounge access
  • ✓ 5x reward points multiplier abroad
  • ✓ 0% markup installment plans up to 36 months
Considerations (Cons)
  • ⚠ Exclusively restricted to women account holders
  • ⚠ High income eligibility threshold (PKR 300,000+)