Choosing the right credit card in Pakistan can seem like a daunting task. With so many different types of credit cards available, each offering unique perks and incentives, how do you decide which is best for you? Whether a bank or an independent card provider, each company competes fiercely to attract customers, bombarding you with promises of top rewards, low interest rates, and other advantages.
This is where we come in. We have rolled up our sleeves and done the heavy lifting for you. We have researched and compared all the different credit cards currently available in Pakistan. We’ve analyzed their rewards schemes, the APRs, annual fees, and many other factors to help you choose the card that best fits your lifestyle and financial needs.
Whether you’re a frequent traveler looking for air miles, a shopper hunting for the best cashback offers, or a student needing a card with low fees, this article will guide you through the credit card landscape in Pakistan. It’s all about helping you make an informed choice and finding the credit card that suits you best.
So, get comfortable, grab a cup of tea, and continue reading as we embark on a journey to discover your best credit card in Pakistan. Enjoy the ride!
You can use our online FBR tax calculator tool for convenient and accurate tax calculations.
What Is a Credit Card?
A credit card is a type of payment card that allows you to borrow money from a bank to make purchases. It’s like a small, portable loan system that you can use almost anywhere. When you use a credit card, the bank pays the store for your purchase, and you pay the bank back later.
Each time you use your credit card, the amount you spend gets added to your credit card balance. At the end of each month, you receive a bill for the amount you’ve spent, which you are expected to repay. You won’t be charged any interest if you pay the full balance on time. But if you only pay a part of the balance and carry over the rest to the next month, the bank will charge you interest on the amount you didn’t pay.
A credit card can offer other benefits such as reward points, cashback, or travel rewards. These can be very valuable if used correctly. However, credit cards also come with risks, such as the potential for debt if not managed properly, so it’s important to understand how they work before getting one.
Advantages and Disadvantages of Credit Cards
Just like anywhere else in the world, credit cards in Pakistan come with both advantages and disadvantages. Let’s explore these aspects to help you make an informed decision.
Advantages of Credit Cards in Pakistan:
Following are the advantages of credit cards in Pakistan:
Convenience: Credit cards are widely accepted online and offline, making them extremely convenient for everyday transactions and larger purchases.
Rewards and Incentives: Many credit cards offer reward points, cash back, or other purchase incentives. These can accumulate over time and be redeemed for various benefits, such as discounts on future purchases, airline miles, or even gifts.
Build Credit History: Regular and responsible credit card use can help you build a good credit history. This is important if you plan to apply for loans or mortgages.
Emergency Funding: Credit cards can provide a line of credit for emergencies. If an unexpected expense comes up, a credit card can help you manage the cost.
Protection Against Fraud: Credit cards often come with protection against fraud. If your card is stolen or used fraudulently, you typically won’t be liable for the charges.
Disadvantages of Credit Cards in Pakistan:
The following are the disadvantages of credit cards in Pakistan
Interest and Fees: If you do not pay off your full balance each month, you will be charged interest on the remaining amount. This can add up over time and lead to significant debt. There are also fees for late payments and, in some cases, for transactions.
Risk of Overspending: Easy access to credit can lead some people to spend more than they can afford, resulting in a debt spiral.
Impact on Credit Score: A credit card can negatively impact your credit score if not used responsibly (such as missing payments or exceeding your credit limit).
Complex Terms and Conditions: Credit card agreements can be complex and difficult to understand. This can lead to unexpected charges or issues if you’re unaware of the terms.
In conclusion, while credit cards offer many advantages, they must be used responsibly to avoid the potential downsides. It’s important to read the terms and conditions carefully and understand them before committing to a credit card.
Why Do You Need a Credit Card?
A credit card is a powerful tool for building a solid credit history, which is vital for securing future loans or mortgages. They offer ease and convenience for transactions, especially for online purchases or traveling abroad.
Having a credit card also provides a financial safety net for unexpected expenses. The rewards and perks many cards offer, such as cashback, discounts, or points for goods or services, can add substantial value to your everyday spending.
Moreover, credit cards offer consumer protection features, allowing you to dispute fraudulent charges and providing insurance for certain purchases. They can also help in tracking spending and managing budgets effectively.
However, it’s crucial to remember to use credit cards responsibly by paying off the balance each month to avoid interest charges and potential debt. When used properly, a credit card can significantly enhance your financial management.
Types of Credit Cards
In Pakistan, similar to most countries, several types of credit cards cater to different financial needs and lifestyles. Here are the main types:
1. Balance Transfer Credit Cards
Balance transfer credit cards present an effective solution for managing credit card debt. These cards allow you to move your existing credit card debt to another card that offers a lower, or even zero, interest rate. This process can significantly reduce the amount you must pay in interest, helping you clear your debt more rapidly.
However, it’s crucial to understand that the low or zero-interest rate offered by balance transfer credit cards typically only applies for a limited period. After this introductory period ends, the card’s standard interest rate will become effective, which could be higher than your original card.
Additionally, transferring your balance usually incurs a fee, so it’s important to factor this into your calculations when considering this option for debt management. Balance transfer credit cards can be a beneficial tool when used wisely and with a clear understanding of their terms and conditions.
2. Cashback Credit Cards
Cashback credit cards in Pakistan offer a unique perk: they return a percentage of your spending as cash or credit, creating potential savings. However, these cards may have limitations, such as caps on cashback or restrictions on eligible spending categories. They may also require meeting certain spending thresholds or paying an annual fee to earn cashback. Therefore, weighing the potential benefits against any constraints or fees is crucial to ensure that a cashback credit card is the right financial tool for you.
3. Rewards Credit Cards
In Pakistan, rewards credit cards have become a popular financial tool. For every rupee you spend on these cards, you earn points or miles, which can later be redeemed for a wide range of rewards. These include anything from gift vouchers and merchandise to air tickets and hotel stays. Thus, these cards can make your spending more rewarding, enhancing the value of your transactions.
But it’s not just about the rewards. These cards also bring a host of perks and benefits that can make your overall spending experience more enjoyable. That said, rewards credit cards have certain restrictions, often dictating how and where to earn and redeem points. It’s essential to understand these terms to leverage your card fully.
Although rewards credit cards can come with additional costs, such as an annual fee or a higher interest rate, their benefits can outweigh these costs if used wisely. By aligning your card’s benefits with your spending habits and financial goals, you can get the most out of your rewards credit card in Pakistan.
4. Discount Credit Cards
In Pakistan’s vast world of credit cards, discount cards have become popular for savvy shoppers and diners. These cards can provide significant savings at participating outlets by offering deals on select products and services. They transform your regular spending into a chance to save, turning every purchase or meal into an exclusive offer.
Yet, it’s essential to remember that these discounts may come with limitations and potential costs. Between availability and validity restrictions, annual fees, and potentially high-interest rates, it’s clear that discount credit cards can provide valuable benefits. However, understanding their full terms and conditions is crucial to maximizing these advantages.
5. Travel Credit Cards
A travel credit card can be your perfect companion for Pakistan travelers. These specialized cards reward your wanderlust by offering travel-centric perks like complimentary airport lounge access, travel insurance, hotel discounts, and more. Every time you use your travel credit card for journey-related expenses, you’re not just spending but also earning benefits that make your travels more comfortable and rewarding. It’s like having a personal travel assistant in your pocket, always ready to help you get the most out of your adventures.
You may also see our blog about the type of taxes in Pakistan.
List of Best Credit Cards in Pakistan
Here is a list of some of the best credit cards in Pakistan. We will discuss their feature in detail and how to apply for them.
1. Faysal Islami noor Card – Velocity / Classic
| Interest Rate | 40% – 42% |
| Annual Fee | Rs. 4000/- |
Features
- Gain more control and flexibility with Faysal Bank Noor Velocity Card.
- The Chip & PIN based added security and 3D Secure feature in your Faysal Islami Noor provides better fraud protection, making your shopping and travel experiences even more delightful.
- Mastercard Contactless payments allow you to shop quickly and conveniently at POS with just a tap of your card.
Benefits
- Choose from hundreds of discount offers throughout Pakistan across dining establishments and more when paying with Faysal Bank Noor Velocity Card.
- Earn 2x reward points on every Rs. 50 spent paying your restaurant bills
- Earn 3x reward points on every Rs. 50 spent paying your Charity & Donation spending
- RewardPoints (rewards) can be instantly redeemed at more than 300 retail outlets
- Book a wide range of products i.e., home appliances, electronic items, smartphones, LEDs, and so much more, at 0% Installment Plans
To Apply
To apply, visit
2. Faysal Islami noor Card – Blaze / Gold
| Interest Rate | 40% – 42% |
| Annual Fee | Rs. 6750/- |
Features
- Faysal Bank Noor Blaze Card is Pakistan’s first stylishly designed card with unmatched features.
- The Chip & PIN based added security and 3D Secure feature in your Faysal Islami Noor provides better fraud protection, making your shopping and travel experiences even more delightful.
- Mastercard Contactless payments allow you to shop quickly and conveniently at POS with just a tap of your card.
Benefits
- Choose from hundreds of discount offers throughout Pakistan across dining establishments and more when paying with Faysal Bank Noor Blaze Card.
- Earn 3x reward points on every Rs. 50 spent paying your Charity & Donation spending
- Reward Points can be instantly redeemed at more than 300 retail outlets
- Complimentary access to Majestic Lounge (Karachi & Peshawar Airport).
- Book a wide range of products, i.e., home appliances, electronic items, smartphones, LEDs, and so much more, at 0% Installment Plans.
To Apply
To apply, visit
3. Faysal Islami noor Card – Titanium
| Interest Rate | 40% – 42% |
| Annual Fee | Rs. 7750/- |
Features
- Faysal Noor Titanium Card encapsulates Local & International offers to amplify your lifestyle.
- The Chip & PIN based added security and 3D Secure feature in your Faysal Islami Noor provides better fraud protection, making your shopping and travel experiences even more delightful.
- Mastercard Contactless payments allow you to shop quickly and conveniently at POS with just a tap of your card.
Benefits
- Earn 2x Reward points on every Rs. 50 spent paying on groceries
- Earn 3x reward points on every Rs. 50 spent paying your Charity & Donation spending
- Reward Points can be instantly redeemed at more than 300 retail outlets
- Book a wide range of products, i.e., home appliances, electronic items, smartphones, LEDs, and so much more, at 0% Installment Plans
- Complimentary access to Majestic Lounge (Karachi & Peshawar Airport). Whereas over 11 int’l lounges
To Apply
To apply, visit
4. Faysal Islami noor Card – Platinum
| Interest Rate | 40% – 42% |
| Annual Fee | Rs. 10000/- |
Features
- Faysal Noor Platinum Card offers a world of benefits and privileges.
- The Chip & PIN based added security and 3D Secure feature in your Faysal Islami Noor provides better fraud protection, making your shopping and travel experiences even more delightful.
- Mastercard Contactless payments allow you to shop quickly and conveniently at POS with just a tap of your card.
Benefits
- Choose from hundreds of discount offers throughout Pakistan across dining establishments and more when paying with Faysal Bank Noor Platinum Card.
- Reward Points can be instantly redeemed at more than 300 retail outlets
- Book a wide range of products i.e., home appliances, electronic items, smartphones, LEDs, and so much more, at 0% Installment Plans
- Complimentary access to Majestic Lounge (Karachi & Peshawar Airport). Whereas over 27 int’l lounges
To Apply
To apply, visit
5. Faysal Islami noor Card – World
| Interest Rate | 40% – 42% |
| Annual Fee | Rs. 16000/- |
Features
- Faysal Noor World Card offers exclusive travel benefits, such as priority service, attractive discounts, and unmatched offers.
- The Chip & PIN based added security and 3D Secure feature in your Faysal Islami Noor provides better fraud protection, making your shopping and travel experiences even more delightful.
- Mastercard Contactless payments allow you to shop quickly and conveniently at POS with just a tap of your card.
Benefits
- Earn 3x reward points on every Rs. 50 spent paying your Charity & Donation spending
- Reward Points can be instantly redeemed at more than 300 retail outlets
- Enjoy 4 monthly free visits and play golf at Karachi Golf Club Karsaz
- SPG® Hotels & Resorts Complimentary Hotel Nights, Luxury Serviced Apartment Discounts, Hertz Gold Plus Rewards® Five Star Membership, Discounted Chauffeur Rides with Careem, Cleartrip Travel Discount and many more
- Book a wide range of products i.e., home appliances, electronic items, smartphones, LEDs, and so much more, at 0% Installment Plans
To Apply
To apply, visit
6. UBL Visa Gold PSO Auto Card
| Interest Rate | 40% |
| Annual Fee | Rs. 4000/- |
Features
- Use this card to gain rewards and save money
- Manage expenses better
- Multiple cashback offers on fuel
- Get a silver card based on your profile
Benefits
- PSO Service Stations offer 5% cashback
- Ludicrous 60% discounts
- Tailored for high-fuel consumption users
- Retail outlets offer 1% instant cashback
To Apply
Salaried Person:
- Minimum balance requirement not provided
- People aged between 21-60 are eligible to apply
- You will be asked to submit a copy of your utility bill, employment proof (salary slip), and CNIC
Self-Employed / Businessmen:
- Minimum income not specified
- People aged between 21-65 are eligible to apply
- Proof of business and CNIC are needed to apply
7. UBL Visa Platinum Credit Card
| Interest Rate | 40% |
| Annual Fee | Rs. 6000/- |
Features
- Several amazing benefits and rewards
- Enjoy privileges throughout the globe
- Shapes and Health Clubs in Multan, Lahore, and Karachi offer free access
- VISA payment network
Benefits
- Enjoy priority pass and VIP lounges access at over 1,000 airport VIP lounges
- Discounts of up to 60% on a variety of items
- Spend Rs 50 and gain 1 & 3 reward points for domestic and international spending
- Purchase air tickets or pay the balance amount through reward points
To Apply
Salaried Person:
- Salary requirement not specified
- People aged between 21-60 are eligible to apply
- You will be asked to submit employment proof (salary slip, letter from employer), bank statement, and CNIC
Self-Employed / Businessmen:
- Income requirement not specified
- People aged between 21-65 are eligible to apply
- Documents required: Proof of business, NTN, bank statement, and CNIC are needed to apply
8. UBL Visa Gold Credit Card
| Interest Rate | 40% |
| Annual Fee | Rs. 6500/- |
Features
- Rs. 7 Million travel insurance
- CIP lounges access free for cardholders
- Hospitalization cover
- Get up to 70% credit limit
- You can repay your credit in easy installments
- VISA payment network
Benefits
- Access to various domestic CIP lounges in major cities with free secretarial services
- Discounts of up to 60% on a variety of items
- The classic rewards program allows you to convert rewards into cash
- Offers a regular income insurance plan for your family
- Your family members can enjoy 6 supplementary cards
To Apply
Salaried Person:
- Salary requirement not specified
- People aged between 21-60 are eligible to apply
- You will be asked to submit employment proof (salary slip, letter from employer), bank statement, and CNIC
Self-Employed / Businessmen:
- Income requirement not specified
- People aged between 21-65 are eligible to apply
- Documents required: Proof of business, NTN, bank statement, and CNIC are needed to apply
9. UBL Visa Silver Credit Card
| Interest Rate | 40% |
| Annual Fee | Rs. 2000/- |
Features
- Rs. 7 Million travel insurance
- CIP lounges access free for cardholders
- Hospitalization cover
- Get up to 70% credit limit
- Low balance transfer rate and service charges
- VISA payment network
Benefits
- Domestic CIP lounges with free secretarial services at major airports
- Discounts of up to 60% on a variety of items
- The classic rewards program allows you to convert rewards into cash
- Offers a regular income insurance plan for your family
- Your family members can enjoy 6 supplementary cards
To Apply
- Salary requirement not specified
- People aged between 21-60 are eligible to apply
- You will be asked to submit employment proof (salary slip, letter from employer), bank statement, and CNIC
Self-Employed / Businessmen:
- Income requirement not specified
- People aged between 21-65 are eligible to apply
- Documents required: Proof of business, NTN, bank statement, and CNIC are needed to apply
10. Bank Al-Habib Green Credit Card
| Interest Rate | 25% |
| Annual Fee | Rs. 0/- |
Features
- Get discounts on multiple items
- Helps manage expenses better
- No need to worry about the security of your finances
- Low markup rates, transfer rates, and service charges
- MasterCard payment network
Benefits
- Whether its retail outlets or restaurants, health centers or salons, you can get up to 25% discount
- Sports complexes and Gulf Air Tickets with a 20% discount
- Zero loss liability insurance coupled with credit shield
- For every Rs 50 spent, you get 1 reward point
- Family members can enjoy 3 supplementary cards
To Apply
Salaried Person:
- Salary requirement of Rs 10,000
- You must be 21-60 years of age
- You will be asked to submit a copy of your utility bill, employment proof (salary slip, letter from employer), and CNIC
Self-Employed / Businessmen:
- Income requirement of Rs 25,000
- You must be 21-65 years of age
- Proof of business, NTN, Bank Statement, and CNIC are needed to apply
11. Bank Al-Habib Gold Credit Card
| Interest Rate | 25% |
| Annual Fee | Rs. 0/- |
Features
- Get rewards whenever you use the card
- The redemption journey starts at 2500 reward points
- Insurance offers to give you financial security
- Minimum markup rates, balance transfer rates, and service charges
- MasterCard payment network
Benefits
- For every Rs 50 spent, you get 1 reward point for basic and supplementary cards
- Whether its restaurants, health centers, or salons, you can get up to 25% discount
- CIP lounge access on international flights
- Zero loss liability Insurance with credit shield
- Family members can enjoy 3 supplementary cards
To Apply
Salaried Person:
- Salary requirement of Rs 10,000
- You must be 21-60 years of age
- You will be asked to submit a copy of your utility bill, employment proof (salary slip, letter from employer), and CNIC
Self-Employed / Businessmen:
- Income requirement of Rs 25,000
- You must be 21-65 years of age
- Proof of business, NTN, Bank Statement, and CNIC are needed to apply
12. Askari Gold MasterCard
| Interest Rate | 38.4% |
| Annual Fee | Rs. 5000/- |
Features
- Redeem your award points gained through spending across Pakistan
- Waiver of annual fee on spending of Rs 10,000
- Varying from partner to partner, you can avail of 0% installment plan services
- Varying interest rates between 2-3.45% based on the profile
Benefits
- Local spending of Rs 50 earns you 1 reward point
- Whether it’s retail outlets or restaurants and health centers, you can get up to 50% discount
- CIP lounges access
- Up to Rs 8 million in insurance
- Family members can enjoy 5 supplementary cards
To Apply
Salaried Person:
- Salary requirement of Rs 25,000
- You must be 21-60 years of age
- You will be asked to submit a copy of your utility bill, bank statement, employment proof (salary slip, letter from employer), and CNIC
Self-Employed / Businessmen:
- Income requirement of Rs 35,000
- You must be 21-65 years of age
- Proof of business, NTN, Bank Statement, and CNIC are needed to apply
13. Askari Classic MasterCard
| Interest Rate | 38.4% |
| Annual Fee | Rs. 3000/- |
Features
- Redeem your award points gained through spending across Pakistan
- Waiver of annual fee on spending of Rs 5,000
- Varying from partner to partner, you can avail of 0% installment plan services
- Varying interest rates between 2-3.45% based on the profile
Benefits
- Local spending of Rs 50 earns you 1 reward point
- Whether it’s retail outlets or restaurants and health centers, you can get up to 50% discount
- CIP lounges access
- Up to Rs 4 million insurance
- Family members can enjoy 5 supplementary cards
To Apply
Salaried Person:
- Salary requirement of Rs 25,000
- You must be 21-60 years of age
- You will be asked to submit a copy of your utility bill, bank statement, employment proof (salary slip, letter from employer), and CNIC
Self-Employed / Businessmen:
- Income requirement of Rs 35,000
- You must be 21-65 years of age
- Proof of business, NTN, Bank Statement, and CNIC are needed to apply
14. Askari Platinum MasterCard
| Interest Rate | 38.4% |
| Annual Fee | Rs. 6500/- |
Features
- Insurance coverage and accepted worldwide
- Extended payment plans and flexible credit plans
- Waiver of annual fee on spending of Rs 15,000
- Varying interest rates between 2-3.45% based on the profile
Benefits
- Local spending of Rs 50 earns you 1 reward point
- Whether it’s retail outlets or restaurants and health centers, you can get up to 50% discount
- CIP lounges access
- Up to Rs 8 million in insurance
- 2% per month BTF rates
To Apply
Salaried Person:
- Salary requirement of Rs 25,000
- You must be 21-70 years of age
- You will be asked to submit a bank statement, employment proof (salary slip, letter from employer), and CNIC
Self-Employed / Businessmen:
- Income requirement of Rs 35,000
- You must be 21-70 years of age
- Proof of business, NTN, Bank Statement, and CNIC are needed to apply
15. Askari World MasterCard
| Interest Rate | 36% |
| Annual Fee | Rs. 8000/- |
Features
- VIP lounges offer multiple offers
- Top-notch traveling benefits
- Best for VIPs and VVIPs
- Waiver of annual fee on spending of Rs 50,000
- MasterCard payment network
Benefits
- Over 500 airports across the globe offer Lounge Key access
- Whether it’s retail outlets or restaurants and health centers, you can get up to 50% discount
- Local spending of Rs 50 earns you 1 reward point
- 2% per month BTF rates
- Family members can avail of 5 supplementary cards
To Apply
Salaried Person:
- Salary requirement of Rs 500,000
- You must be 21-70 years of age
- You will be asked to submit a bank statement, employment proof (salary slip, letter from employer), and CNIC
Self-Employed / Businessmen:
- Income requirement of Rs 2 million
- You must be 21-70 years of age
- Proof of business, NTN, Bank Statement, and CNIC are needed to apply
15. Alfalah VISA Platinum Credit Card
| Interest Rate | 40% |
| Annual Fee | Rs. 0/- |
Features
- Easy balance transfers with multiple rewards offers
- Easy monthly installment plan by converting transactions of Rs 3,000 or above
- Enjoy perks all across the globe
- You can pay only 5% of outstanding payments by the due date through revolving credit
Benefits
- More than a thousand exclusive VIP airport lounges offer Priority Pass in 100 countries
- Enjoy 30% discounts on restaurants and lifestyle products
- Spending of Rs 50 means 0.25 and 0.50 reward points for local and international spending, respectively
- Protection in case of any fraudulent charges
- Your family members can get 5 supplementary cards
To Apply
Salaried Person:
- Rs 1,000,000 salary required
- People aged between 21-60 are eligible to apply
- You will be asked to submit employment proof (salary slip), bank statement, and CNIC
Self-Employed / Businessmen:
- Rs 150,000 minimum income required
- People aged between 21-70 are eligible to apply
- Proof of business, NTN, Bank Statement, and CNIC are needed to apply
16. MCB Platinum Credit Card
| Interest Rate | 39% |
| Annual Fee | Rs. 0/- |
Features
- Offers on traveling, dining, and shopping worldwide
- i-alert services for easy alerts
- Low balance transfer rate with zero annual fee
- Retail transactions APR is charged starting from 41% and decreasing to 36% in subsequent months
Benefits
- Priority Pass for 600+ airport VIP lounges
- Local restaurants offer 20% cashback
- For every Rs 50 spent, you get 1 reward point
- Spend through this card for global lodging and get 5% cashback
- Multiple insurances for ticket payments
To Apply
Salaried Person:
- Salary requirement not specified
- You must be 21-60 years of age
- You will be asked to submit a copy of your utility bill, employment proof (salary slip, letter from employer), and CNIC
Self-Employed / Businessmen:
- Income requirement not specified
- You must be 21-65 years of age
- Proof of business, NTN, Bank Statement, and CNIC are needed to apply
17. MCB Gold Credit Card
| Interest Rate | 39% |
| Annual Fee | Rs. 0/- |
Features
- Spend and earn rewards worldwide
- From MCB i-Shop catalog through i-Reward
- Exclusive services
- The low transfer rate and zero annual fee
- The retail transaction APR starts from 41% and decreases to 36% in the subsequent months
Benefits
- Get amazing rewards on spending & transfer your outstanding balance
- Restaurants and clubs offer 50% discounts
- Cash withdrawal limit of up to 75%
- Priority Pass for 600+ airport VIP lounges
- Multiple insurances for ticket payments
To Apply
Salaried Person:
- Salary requirement not specified
- You must be 21-60 years of age
- You will be asked to submit a copy of your utility bill, employment proof (salary slip, letter from employer), and CNIC
Self-Employed / Businessmen:
- Income requirement not specified
- You must be 21-65 years of age
- Proof of business, NTN, Bank Statement, and CNIC are needed to apply
18. MCB Classic Credit Card
| Interest Rate | 39% |
| Annual Fee | Rs. 0/- |
Features
- Spend and earn rewards worldwide
- From MCB i-Shop catalog through i-Reward
- Exclusive services
- Low balance transfer rate with zero annual fee
- Retail transactions APR is charged starting from 41% and decreasing to 36% in subsequent months
Benefits
- Get amazing rewards on spending & transfer your outstanding balance
- Restaurants and clubs offer 50% discounts
- Cash withdrawal limit of up to 75%
- Priority Pass for 600+ airport VIP lounges
- Multiple insurances for ticket payments
To Apply
Salaried Person:
- Salary requirement not specified
- You must be 21-60 years of age
- You will be asked to submit a copy of your utility bill, employment proof (salary slip, letter from the employer), and CNIC
Self-Employed / Businessmen:
- Income requirement not specified
- You must be 21-65 years of age
- Proof of business, NTN, Bank Statement, and CNIC are needed to apply
19. HBL FuelSaver Green Credit Card
| Interest Rate | 39% |
| Annual Fee | Rs. 3000/- |
Features
- 3% cashback for fuel expenses
- Spend Rs 10,000 and save Rs 3,600 monthly
- Reduces the burden of fuel expenses
- You can pay only 5% of outstanding dues by the due date
Benefits
- Perfect for those who use less monthly fuel
- Life uncertainty insurance plans
- 2% BTF rates
- Fraudulent charges mean Zero loss liability
- Family members can enjoy 6 supplementary cards
To Apply
Salaried Person:
Salary requirements not specified
You must be 21-60 years of age
You will be asked to submit employment proof (salary slip, letter from employer), and CNIC
Self-Employed / Businessmen:
- Minimum income requirements not specified
- You must be 21-65 years of age
- Proof of business, NTN, Bank Statement, and CNIC are needed to apply
20. HBL FuelSaver Gold Credit Card
| Interest Rate | 39% |
| Annual Fee | Rs. 6000/- |
Features
- 5% cashback for fuel expenses
- Spend Rs 10,000 and save Rs 6,000 monthly
- Reduces the burden of fuel expenses
- You can pay only 5% of outstanding dues by the due date
Benefits
- Perfect for those who use lots of monthly fuel
- Life uncertainty insurance plans
- 2% BTF rates
- Fraudulent charges mean Zero loss liability
- Family members can enjoy 6 supplementary cards
To Apply
Salaried Person:
- Salary requirements not specified
- You must be 21-60 years of age
- You will be asked to submit employment proof (salary slip, letter from the employer), and CNIC
Self-Employed / Businessmen:
- Minimum income requirements not specified
- You must be 21-65 years of age
- Proof of business, NTN, Bank Statement, and CNIC are needed to apply
21. HBL Green Credit Card
| Interest Rate | 39% |
| Annual Fee | Rs. 3000/- |
Features
- Offers that can change your lifestyle choices
- Discounts and offers on a plethora of items
- By the due date, you can pay only 5% of the outstanding amount
- VISA payment network
Benefits
- Get up to 10-25% discount at retail outlets, restaurants, and dining facilities
- Spend Rs 25 to get 1 reward point
- Fraudulent charges entitle to Zero loss liability
- Life uncertainty events entitle to insurance
- Your family members can avail of 6 supplementary cards
To Apply
Salaried Person:
- Salary requirement not specified
- You must be 21-60 years of age
- You will be asked to submit employment proof (salary slip, letter from employer), and CNIC
Self-Employed / Businessmen:
- Income requirement not specified
- You must be 21-65 years of age
- Proof of business, NTN, Bank Statement, and CNIC are needed to apply
22. HBL Gold Credit Card
| Interest Rate | 39% |
| Annual Fee | Rs. 6000/- |
Features
- Offers that can change your lifestyle choices
- Discounts and offers on a plethora of items
- By the due date, you can pay only 5% of the outstanding amount
- VISA payment network
Benefits
- Get up to 10-25% discount at retail outlets, restaurants, and dining facilities
- Spend Rs 25 to get 1 reward point
- Fraudulent charges entitle to Zero loss liability
- Life uncertainty events entitle to insurance
- Your family members can avail of 6 supplementary cards
To Apply
Salaried Person:
- Salary requirement not specified
- You must be 21-60 years of age
- You will be asked to submit employment proof (salary slip, letter from employer), and CNIC
Self-Employed / Businessmen:
- Income requirement not specified
- You must be 21-65 years of age
- Proof of business, NTN, Bank Statement, and CNIC are needed to apply
23. HBL Platinum Credit Card
| Interest Rate | 39% |
| Annual Fee | Rs. 10,000/- |
Features
- Airport lounges have free access
- Lots and lots of discounts on a variety of products and services
- Security first
- Legal and medical referral service
- VISA payment network
Benefits
- Airport lounges have complimentary access
- Cosmetics grocery items mean a 10% discount
- Spend Rs 25 to get 1 reward point
- Get up to 10-25% discount at retail outlets, restaurants, and dining facilities
- Foreign currency spending would mean 5 times more rewards
To Apply
Salaried Person:
- Salary requirement not specified
- You must be 21-60 years of age
- You will be asked to submit employment proof (salary slip, letter from employer), and CNIC
Self-Employed / Businessmen:
- Income requirement not specified
- You must be 21-65 years of age
- Proof of business, NTN, Bank Statement, and CNIC are needed to apply
24. Standard Chartered WorldMiles Credit Card
| Interest Rate | 42% |
| Annual Fee | Rs. 8000/- |
Features
- Dedicated concierge services mean you enjoy personalized travel services
- Chartered concierge services offer a 15% discount on travel insurance
- World Miles increase as you travel more
- Book tickets and hotels with your World Miles
- VISA payment network
Benefits
- Visa assistance and access to lounges free of cost at 22 airports
- Meet and greet services at airports
- Spend Rs 40 to get 1 World Mile
- Enormous security for your card
To Apply
Salaried Person:
- Salary requirement of Rs 25,000
- You must be 21-60 years of age
- You will be asked to submit employment proof (salary slip, letter from employer), and CNIC
Self-Employed / Businessmen:
- Income requirement of Rs 75,000
- You must be 21-65 years of age
- Proof of business, NTN, Bank Statement, and CNIC are needed to apply
25. Allied Visa Platinum Credit Card
| Interest Rate | 32% |
| Annual Fee | Rs. 4000/- |
Features
- Personalized services acceptable worldwide
- A wide variety of offers and benefits
- Low markup rates and service charges
- VISA payment network
Benefits
- VIP Airport Lounges free access at selected airports
- Amazing 30% discounts all across Pakistan
- CIP Lounges access in Pakistan
- Easy installments for repaying credit
- Family members can get 2 supplementary cards
To Apply
Salaried Person:
- Salary requirement not specified
- You must be 21-60 years of age
- You will be asked to submit employment proof (salary slip, letter from employer), and CNIC
Self-Employed / Businessmen:
- Income requirement not specified
- You must be 21-65 years of age
- Proof of business, NTN, Bank Statement, and CNIC are needed to apply
26. Allied Visa Gold Credit Card
| Interest Rate | 32% |
| Annual Fee | Rs. 2000/- |
Features
- Personalized services acceptable worldwide
- A wide variety of offers and benefits
- Low markup rates and service charges
- Customer assistance worldwide for traveling
- A balance transfer is easy
Benefits
- 2.17% BTF rates monthly
- Amazing 30% discounts all across Pakistan
- CIP Lounge Access at Karachi Airport free of cost
- Cash advance limit of up to 50%
- Easy installments for repaying credit
- Family members can get 2 supplementary cards
To Apply
- Salary requirement not specified
- You must be 21-60 years of age
- You will be asked to submit employment proof (salary slip, letter from employer), and CNIC
Self-Employed / Businessmen:
- Income requirement not specified
- You must be 21-65 years of age
- Proof of business, NTN, Bank Statement, and CNIC are needed to apply
27. JS Platinum Credit Card
| Interest Rate | 40% |
| Annual Fee | Rs. 0/- |
Features
Shopping is made easy with thousands of discounts both locally and internationally
Get your card balance settled monthly with auto-Debit payments,
Transferring funds is very convenient
Get your annual fee waived for Rs 10,000 spending
Benefits
- CIP lounges access in Pakistan
- Amazing discounts of up to 60% nationwide
- In case of uncertainty of life events, 100% coverage against outstanding dues and an additional 100% for your family
- 2% BTF rate monthly
- Your family members can enjoy 6 supplementary cards
To Apply
Salaried Person:
- Salary requirements not specified
- People aged between 21-60 are eligible to apply
- You will be asked to submit a copy of your utility bill, employment proof (salary slip, letter from employer), and CNIC
Self-Employed / Businessmen:
- Income requirements not specified
- People aged between 21-65 are eligible to apply
- Proof of business, Bank Statement, NTN, and CNIC are needed to apply
28. JS Bank Gold Credit Card
| Interest Rate | 40% |
| Annual Fee | Rs. 0/- |
Features
- A single card for all financial needs with a low transfer fee
- Get your card balance settled monthly with auto-Debit payments,
- Transferring funds is very convenient
- Get your annual fee waived for Rs 7,500 spending
Benefits
- CIP lounges access in Pakistan
- Amazing discounts of up to 60% nationwide
- In case of uncertainty of life events, 100% coverage against outstanding dues and an additional 100% for your family
- 2% BTF rate monthly
- Your family members can enjoy 6 supplementary cards
To Apply
Salaried Person:
- Salary requirements not specified
- People aged between 21-60 are eligible to apply
- You will be asked to submit a copy of your utility bill, employment proof (salary slip, letter from employer), and CNIC
Self-Employed / Businessmen:
- Income requirements not specified
- People aged between 21-65 are eligible to apply
- Proof of business, Bank Statement, NTN, and CNIC are needed to apply
29. JS Bank Classic Credit Card
| Interest Rate | 40% |
| Annual Fee | Rs. 0/- |
Features
- Manage finances better
- A wide variety of discounts
- Transferring funds is very convenient
- Get your annual fee waived for more than Rs 5,000 spending
- Low markup rates and service charges
Benefits
- Shop online with ease
- CIP lounges access in Pakistan
- Amazing discounts of up to 60% nationwide
- In case of uncertainty of life events, 100% coverage against outstanding dues and an additional 100% for your family
- Your family members can enjoy 6 supplementary cards
To Apply
Salaried Person:
- Salary requirements not specified
- People aged between 21-60 are eligible to apply
- You will be asked to submit a copy of your utility bill, employment proof (salary slip, letter from employer), and CNIC
Self-Employed / Businessmen:
- Income requirements not specified
- People aged between 21-65 are eligible to apply
- Proof of business, Bank Statement, NTN, and CNIC are needed to apply
30. Silk Bank Gold Visa Credit Card
| Interest Rate | 42% |
| Annual Fee | Rs. 4000/- |
Features
- The first year means zero service charges and 0% APR
- Timely payments mean 0% markup
- Death entitles to waiving off the outstanding dues
- Tailored to your needs
- Transfer funds with ease
Benefits
- Zero interest for balance transfers in the first year
- Discounts up to 50%
- Cash withdrawal limit of up to 50%
- International and local spendings entitle you to a 0.50% cashback
- Your family members can enjoy 6 supplementary cards
To Apply
Salaried Person:
- Salary requirements not specified
- People aged between 21-60 are eligible to apply
- You will be asked to submit employment proof (salary slip, letter from employer), and CNIC
Self-Employed / Businessmen:
- Income requirements not specified
- People aged between 21-65 are eligible to apply
- Proof of business, Bank Statement, NTN, and CNIC are needed to apply
31. Silk Bank Platinum Visa Credit Card
| Interest Rate | 42% |
| Annual Fee | Rs. 8000/- |
Features
- Top-notch personalized services
- Day-to-day purchases made fun with this card
- Pay your monthly payments timely and enjoy 0% markup
- In case of death, outstanding dues are waived off
- VISA payment network
Benefits
- Cash withdrawal limit of up to 50%
- Your favorite outlets offer 50% discounts
- Avail 0.50% and 1% cashback on local and international spending, respectively
- Zero interest on the balance transfer amount for 1 year
- Family members can get 6 supplementary cards
To Apply
Salaried Person:
- Salary requirement not specified
- You must be 21-60 years of age
- You will be asked to submit employment proof (salary slip, letter from employer), and CNIC
Self-Employed / Businessmen:
- Income requirement not specified
- You must be 21-65 years of age
- Proof of business, NTN, Bank Statement, and CNIC are needed to apply
32. Standard Chartered MasterCard Easy Card
| Interest Rate | 36% |
| Annual Fee | Rs. 3000/- |
Features
- Discounts applicable worldwide
- Accepted globally
- Enjoy a 0% Instalment plan facility
- Low markup rates & service charges
- 30-36% APR
Benefits
- Amazing discounts of up to 50%
- Zero withdrawal fee for up to 90% cash advance limit
- Up to Rs 1 million travel cover
- Your family members can enjoy 5 supplementary cards
To Apply
- Salary requirement of Rs 25,000
- You must be 21-60 years of age
- You will be asked to submit employment proof (salary slip, letter from employer), bank statement, and CNIC
Self-Employed / Businessmen:
- Income requirement of Rs 70,000
- You must be 21-65 years of age
- Proof of business, NTN, Bank Statement, and CNIC are needed to apply
33. Standard Chartered MasterCard Cashback Card
| Interest Rate | 42% |
| Annual Fee | Rs. 3000/- |
Features
- Amazing cashback offers
- Spend Rs 10,000 and save Rs 500 monthly
- Manage finances better
- Avail personalized services worldwide
- Mastercard payment network
Benefits
- Electronics, supermarkets, and fuel stations offer 5% cashback
- Fascinating discounts of up to 50%
- Cash withdrawal limit of up to 30%
- E-statement and SMS alert services
- Your family members can enjoy 5 supplementary cards
To Apply
- Salary requirement of Rs 25,000
- You must be 21-60 years of age
- You will be asked to submit employment proof (salary slip, letter from employer), bank statement, and CNIC
Self-Employed / Businessmen:
- Income requirement of Rs 70,000
- You must be 21-65 years of age
- Proof of business, NTN, Bank Statement, and CNIC are needed to apply
34. Standard Chartered MasterCard Titanium Card
| Interest Rate | 42% |
| Annual Fee | Rs. 6000/- |
Features
- Amazing cashback offers
- Spend Rs 10,000 and save Rs 500 monthly
- Manage finances better
- Mastercard payment network
Benefits
- Electronics, supermarkets, and fuel stations offer 5% cashback
- Fascinating discounts of up to 50%
- Concierge services and CIP lounges access
- Your family members can enjoy 5 supplementary cards
To Apply
- Salary requirement of Rs 25,000
- You must be 21-60 years of age
- You will be asked to submit employment proof (salary slip, letter from employer), bank statement, and CNIC
Self-Employed / Businessmen:
- Income requirement of Rs 70,000
- You must be 21-65 years of age
- Proof of business, NTN, Bank Statement, and CNIC are needed to apply
35. Standard Chartered Visa Platinum Card
| Interest Rate | 42% |
| Annual Fee | Rs. 7000/- |
Features
- Offers you a complimentary lifestyle combined with several high-end benefits
- An ideal card for all kinds of usage scenarios with exclusive services on offer
- Offers you reward points against all types of card usage
- Assistance with flight, hotel, and dining advanced reservations
- VISA payment network
Benefits
- Personalized customer services, travel desk, and Visa assistance
- Enjoy up to 50% discounts on dining, health centers, and retail outlets
- Gain 5 reward points for every PKR 200 spent
- Comprehensive Global VISA platinum concierge privileges
- Zero loss liability towards any fraudulent charges
To Apply
Salaried Person:
- Minimum Salary Requirement: Rs 25,000
- Age Limit: 21 – 60 years
- Documents required: CNIC, Salary slips, Bank statement, Letter from employer
Self-Employed / Businessmen:
- Minimum income: Rs 70,000
- Age Limit: 21 – 65 years
- Documents required: CNIC, NTN, Proof of business, Bank statement
36. Alfalah Ultra Cashback Credit Card
| Interest Rate | 40% |
| Annual Fee | Rs. 4000/- |
Features
- Numerous cashback benefits, including air tickets, hotels, clothing, and fuel
- Easy installments for paying back your credit
- You can avail of a loan of 80% of the available credit limit
- VISA payment network
Benefits
- Selected spending categories mean a 7% cashback
- Dining & Lifestyle items can get you up to 20% discount
- Cash withdrawal limit of up to 50%
- UTRA CASH Back means an annual fee waiver for the 1st year
- Your family members can enjoy 6 supplementary cards
To Apply
Salaried Person:
- Salary requirement of Rs 20,000
- You must be 21-60 years of age
- You will be asked to submit employment proof (salary slip, letter from employer), bank statement, and CNIC
Self-Employed / Businessmen:
- Income requirement of Rs 50,000
- You must be 21-70 years of age
- Proof of business, NTN, Bank Statement, and CNIC are needed to apply
37. Alfalah VISA Classic Credit Card
| Interest Rate | 40% |
| Annual Fee | Rs. 0/- |
Features
- Accepted worldwide
- Easy monthly installment plan by converting any transaction of Rs 3,000 or above
- By the due date, you can submit only 5% of the amount due
- The low transfer rate and zero annual charges
- VISA payment network
Benefits
- Dining & Lifestyle items can get you up to 20% discount
- Activation earns you 100 bonus rewards
- Spend Rs 50 and earn 0.25 orbit rewards
- Fraudulent charges mean zero loss liability
- Your family members can enjoy 6 supplementary cards
To Apply
Salaried Person:
- Salary requirement of Rs 20,000
- You must be 21-60 years of age
- You will be asked to submit employment proof (salary slip, letter from employer), bank statement, and CNIC
Self-Employed / Businessmen:
- Income requirement of Rs 50,000
- You must be 21-70 years of age
- Proof of business, NTN, Bank Statement, and CNIC are needed to apply
38. Alfalah VISA Gold Credit Card
| Interest Rate | 40% |
| Annual Fee | Rs. 0/- |
Features
- Accepted worldwide
- Easy monthly installment plan by converting any transaction of Rs 3,000 or above
- By the due date, you can submit only 5% of the amount due
- The low transfer rate and zero annual charges
- VISA payment network
Benefits
- Dining & Lifestyle items can get you up to 20% discount
- Activation earns you 100 bonus rewards
- Spend Rs 50 and earn 0.25 orbit rewards
- Fraudulent charges mean zero loss liability
- Your family members can enjoy 6 supplementary cards
- CIP Loung access
To Apply
Salaried Person:
- Salary requirement of Rs 20,000
- You must be 21-60 years of age
- You will be asked to submit employment proof (salary slip, letter from employer), bank statement, and CNIC
Self-Employed / Businessmen:
- Income requirement of Rs 50,000
- You must be 21-70 years of age
- Proof of business, NTN, Bank Statement, and CNIC are needed to apply
39. Alfalah Titanium MasterCard
| Interest Rate | 40% |
| Annual Fee | Rs. 0/- |
Features
- Accepted worldwide; international spendings mean double rewards
- Easy monthly installment plan by converting any transaction of Rs 3,000 or above
- By the due date, you can submit only 5% of the amount due
- The low transfer rate and zero annual charges
- VISA payment network
Benefits
- Dining & Lifestyle items can get you up to 25% discount
- Activation earns you 250 bonus rewards
- Spend Rs 50 and earn 0.50 orbit rewards
- Fraudulent charges mean zero loss liability
- Your family members can enjoy 6 supplementary cards
- AMEX card means a 2% BTF rate
To Apply
Salaried Person:
- Salary requirement of Rs 50,000
- You must be 21-60 years of age
- You will be asked to submit employment proof (salary slip, letter from employer), bank statement, and CNIC
Self-Employed / Businessmen:
- Income requirement of Rs 60,000
- You must be 21-70 years of age
- Proof of business, NTN, Bank Statement, and CNIC are needed to apply
Conclusion
In conclusion, finding the best credit card in Pakistan can significantly ease your financial transactions, providing convenience and safety. After extensive research, we’ve seen how various cards offer advantages, such as reward points, cashback, and low-interest rates.
Therefore, it’s essential to understand your needs and spending habits to choose the right one. Remember, regardless of the card you pick, always use it wisely, pay your bills on time, and monitor your spending to avoid unnecessary debts. Remember, a credit card is a tool to help you manage your finances, not to lead you into financial trouble. So, be smart, be safe, and use your credit card for a hassle-free financial journey.
Also Read:
Hello Admin,
Thank you for sharing the details about credit card. JS Classic Credit Card is a fantastic financial tool for those looking for convenience and rewards.
I’ve been using it for a while now, and the low annual fee and competitive interest rates make it a great choice. Plus, the rewards program offers some exciting perks.
Overall, I highly recommend the JS Classic Credit Card to anyone in search of a reliable and rewarding credit card option.