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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
ZTBL
Agricultural & Kisan
•••• •••• •••• 9520
VALID THRU 12/29
ZTBL Kissan Dost Agriculture Card
PAYPAK

ZTBL Kissan Dost Agriculture Card

Zarai Taraqiati Bank Ltd. (ZTBL)
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 Agricultural & Kisan PAYPAK Premium & Luxury VISA
Annual Fee PKR 900 / year (Subsidized by Ministry of Agriculture) PKR 25,000 / year (Waived on PKR 250k spend)
Reward / Cashback Rate Direct Federal Fertilizer and Seed Subsidies 5x Reward Points on International & Luxury Spend
Interest / APR / Profit Rate State Bank Concessionary Agri Rate KIBOR + 13% p.a.
Foreign FX Transaction Fee Domestic Only 3.0% + SBP Advance Tax
Airport Lounge Access Specialized Agriculture Card (No lounge) Unlimited Worldwide Lounges via Visa Airport Companion + CIP Domestic
0% Installments / Financing Semiannual Harvest Payment Cycles (Rabi / Kharif) HBL Shop Now Pay Later (0% Markup up to 36 months)
Welcome Sign-Up Bonus Free SMS alerts for farming subsidies 10,000 Bonus Points + Complimentary Golf Voucher
Credit Score / Income Requirement Registered Pakistani farmers and landowners High-Net-Worth / Monthly Income: PKR 300,000+
Core Perks & Features
  • Direct Federal Farm Subsidies: Direct transfer of federal and provincial subsidies on DAP, urea, and solar tube-well schemes.
  • Nationwide Rural ATM Access: Convenient cash withdrawals across 500+ ZTBL branches and all 1LINK ATMs.
  • Rabi & Kharif Harvest Cycles: Repayment aligned with crop harvest cycles to ease financial burdens on farmers.
  • 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)
  • ✓ Subsidized loan mark-up rates
  • ✓ Low annual fee
  • ✓ Deepest rural outreach in Pakistan
  • ✓ Unlimited global airport lounge access
  • ✓ 5x reward points multiplier abroad
  • ✓ 0% markup installment plans up to 36 months
Considerations (Cons)
  • ⚠ Strictly intended for agricultural borrowers
  • ⚠ High income eligibility threshold (PKR 300,000+)