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We've Found 20 Best Offers For You!

You can find our best deals below. We have curated some of the best offers on the market for your convenience.
  • Monthly APR
    Monthly BTF Rate
    Annual Fee
  • SCB Titanium MasterCard

    SCB Titanium MasterCard

    3.50 %
    3.50 %
    PKR 5,000

    Benefits

    • Get cashback up to 5% on fuel, groceries and electronic appliances
    • Concierge services that enables you  to book movie tickets and other entertainment services
    • Receive immediate cash back on your purchase

    Be Aware of

    • Cashback is capped at PKR 1,000 spend per month
    • Concierge services is only available for Pakistan

    Rates

    Monthly APR
    3.50 %

    42% per annum

    Cash Advance
    3.50 %

    42% per annum

    Monthly BTF Rate
    3.50 %

    42% per annum


    Annual Fees

    Annual Fee
    PKR 5,000
    Supplementary Card Fees
    PKR 2,500
    Chip Maintenance Fee
    PKR 0

    Other Fees

    Cash Advance Fee
    PKR 1,000

    or 3% of the cash advance

    transaction amount (whichever is higher)

    Foreign transaction Fee
    3.00 %

    of transaction amount + Rs.1 per USD

    Late Payment Fee
    PKR 1,500

    or 10% of minimum payment amount (whichever is higher)

    Overlimit Fee
    PKR 0

    Interest Free Period

    None

    SMS Alert Fee

    PKR 100 per month

    BTF Fees

    Processing Fee
    PKR 500

    or 3% of transfer amount (whichever is higher)


    Local Spend

    Cash Back
    5 %

    Cashback on Fuel
    5% Cashback on Supermarkets
    3% Cashback on Electronics outlets
    Up to Rs. 500 each month per category
    Overall up to Rs. 1,000 each month

    Reward Point
    -
    Airmiles
    -

    International Spend

    Int. Cash Back
    -
    Int. Reward Point
    -
    Int. Airmiles
    -

    Grocery Spend

    Cash Back
    5 %

    capped at PKR 500 per month

    Reward Point
    -
    Airmiles
    -

    Fuel Spend

    Cash Back
    5 %

    capped at PKR 500 per month

    Reward Point
    -
    Airmiles
    -

    Minimum Monthly Income

    Salaried
    40,000

    Govt employees having PKR 75,000 salary and above can also apply

    Self Employed
    70,000

    Minimum Age

    Salaried
    21 Years
    Self Employed
    21 Years

    Salaried Individual

    Bank Statement
    Required

    6 months statement required

    CNIC
    Required

    Verified copy

    Salary Slip
    Required

    Verified by HR


    Self Employed Professional

    Bank Statement

    6 Months bank statement

    CNIC

    Readable and valid copy

    Proof of Business

    • Minimum 2 years of business history
    • Bank maintenance certificate (Clearly mentioning Name, CNIC & Tenure of relationship)
    • NTN(may be required)

    Sole Proprietor

    Bank Statement

    6 Months bank statement

    CNIC

    Readable and valid copy

    Proof Of Business

    • Minimum 2 years of business history
    • Bank maintenance certificate (Clearly mentioning Name, CNIC & Tenure of relationship)
    • NTN(may be required)

    Partnership

    Bank Statement

    6 Months bank statement

    CNIC

    Readable and valid copy

    Proof Of Business

    • Minimum 2 years of business history
    • Bank maintenance certificate (Clearly mentioning Name, CNIC & Tenure of relationship)
    • NTN(may be required)

    Private Limited

    Bank Statement

    6 Months bank statement

    CNIC

    Readable and valid copy

    Proof Of Business

    • Form 29
    • Form A
    • Articles of association

    Global Travel Assistance

    Benefits
    Not offered
    Assistance
    Not offered
    Other
    Not offered

    Travel Insurance

    Subsidized Travel Insurance
    Not offered
    Complimentary Travel Insurance
    Not offered
    Other Insurance Benefits
    Not offered

    Lounge Access

    Domestic Lounge Access
    Domestic lounges access

    KHI International Airport: CIP Lounge

    LHR International Airport: CIP Lounge

    ISL International Airport: CIP Lounge

    International Lounge Access
    Not offered
    Other Travel Benefits
    Not offered

    Priority Pass

    Joining Fee
    PKR 0
    Usage Fee
    PKR 0
    Other Fee
    PKR 0

    Salient Benefits

    1
    Avail cashback on your fuel, groceries and electronic outlets
    2
    Concierge services helping you to book movie tickets or send flowers to a loved one
    3
    Not indicated

    Discounts

    Vendors
    130+

    CLICK HERE


  • SCB Visa Platinum Card

    SCB Visa Platinum Card

    3.50 %
    3.50 %
    PKR 8,000

    Benefits

    • Platinum travel desk to help you with all your travel needs
    • Dedicated concierge services
    • Offers flowers and gift assistance

    Be Aware of

    • This card has a reward program fee
    • Flowers and gift assistance is only available for Karachi, Lahore and Islamabad

    Rates

    Monthly APR
    3.50 %

    42% per annum

    Cash Advance
    3.50 %

    42% per annum

    Monthly BTF Rate
    3.50 %

    42% per annum


    Annual Fees

    Annual Fee
    PKR 8,000
    Supplementary Card Fees
    PKR 4,000
    Chip Maintenance Fee
    PKR 0

    Other Fees

    Cash Advance Fee
    PKR 1,000

    or 3% of the cash advance
    transaction amount (whichever is higher)

    Foreign transaction Fee
    3.00 %

    of transaction amount + Rs.1 per USD

    Late Payment Fee
    PKR 1,500

    or 10% of minimum payment amount (whichever is higher)

    Overlimit Fee
    PKR 0

    Interest Free Period

    None

    SMS Alert Fee

    PKR 100 per month

    BTF Fees

    Processing Fee
    PKR 500

    or 3% of transfer amount (whichever is higher)


    Local Spend

    Cash Back
    -
    Reward Point
    5/PKR 200 spend

    1 reward point = PKR 40 spend

    Airmiles
    -

    International Spend

    Int. Cash Back
    -
    Int. Reward Point
    5/PKR 200 spend

    1 reward point = PKR 40 spend

    Int. Airmiles
    -

    Grocery Spend

    Cash Back
    -
    Reward Point
    5/PKR 200 spend

    1 reward point = PKR 40 spend

    Airmiles
    -

    Fuel Spend

    Cash Back
    -
    Reward Point
    5/PKR 200 spend

    1 reward point = PKR 40 spend

    Airmiles
    -

    Minimum Monthly Income

    Salaried
    PKR 40,000

    Govt employees having PKR 75,000 salary and above can also apply

    Self Employed
    PKR 70,000

    Minimum Age

    Salaried
    21 Years
    Self Employed
    21 Years

    Salaried Individual

    Bank Statement
    Required

    6 Months bank statement

    CNIC
    Required

    Verified copy

    Salary Slip
    Required

    Verified by HR


    Self Employed Professional

    Bank Statement

    6 Months bank statement

    CNIC

    Readable and valid copy

    Proof of Business

    • Minimum 2 years of business history
    • Bank maintenance certificate (Clearly mentioning Name, CNIC & Tenure of relationship)
    • NTN(may be required)

    Sole Proprietor

    Bank Statement

    6 Months bank statement

    CNIC

    Readable and valid copy

    Proof Of Business

    • Minimum 2 years of business history
    • Bank maintenance certificate (Clearly mentioning Name, CNIC & Tenure of relationship)
    • NTN(may be required)

    Partnership

    Bank Statement

    6 Months bank statement

    CNIC

    Readable and valid copy

    Proof Of Business

    • Minimum 2 years of business history
    • Bank maintenance certificate (Clearly mentioning Name, CNIC & Tenure of relationship)
    • NTN(may be required)

    Private Limited

    Bank Statement

    6 Months bank statement

    CNIC

    Readable and valid copy

    Proof Of Business

    • Form 29
    • Form A
    • Articles of association

    Global Travel Assistance

    Benefits
    Visa issuance assistance

    Visa issuance assistance on country specific requirements

    Assistance
    Flight and hotel reservations
    Other
    Global Customer Assistance
    • Global Customer Assistance Services
    • Global Visa Platinum Concierge Services

    Travel Insurance

    Subsidized Travel Insurance
    Not offered
    Complimentary Travel Insurance
    Not offered
    Other Insurance Benefits
    Not offered

    Lounge Access

    Domestic Lounge Access
    Domestic lounges access

    KHI International Airport: CIP Lounge

    LHR International Airport: CIP Lounge

    ISL International Airport: CIP Lounge

    International Lounge Access
    Not offered
    Other Travel Benefits
    Car rental & limousine service

    Car rental and limousine services at selected destinations


    Priority Pass

    Joining Fee
    PKR 0
    Usage Fee
    PKR 0
    Other Fee
    PKR 0

    Salient Benefits

    1
    Concierge service

    A dedicated concierge service that address your reservation and information needs

    2
    Helping you send your loved ones special gifts from our exceptional assortment of flowers and miscellaneous gift items. You can now send floral bouquets and gift hampers to your family and friends and brighten their day! This service is however, applicable for cardholders based in Karachi, Lahore and Islamabad.
    3
    Not offered

    Discounts

    Vendors
    150+

    CLICK HERE


  • SCB World Miles Card

    SCB World Miles Card

    3.50 %
    3.50 %
    PKR 8,000

    Benefits

    • Concierge services available for booking of tickets, hotels, entertainment events and travel promotional offers
    • Redeem air miles against free tickets to any destination and airline of customers choice
    • Enjoy unlimited access to over 60 airport lounges worldwide

    Be Aware of

    • Airmiles can only be redeemed against purchase of air tickets and hotels
    • Comprehensive Travel Insurance is not complimentary

    Rates

    Monthly APR
    3.50 %

    42% per annum

    Cash Advance
    3.50 %

    42% per annum

    Monthly BTF Rate
    3.50 %

    42% per annum


    Annual Fees

    Annual Fee
    PKR 8,000
    Supplementary Card Fees
    PKR 4,000
    Chip Maintenance Fee
    PKR 0

    Other Fees

    Cash Advance Fee
    PKR 1,000

    or 3% of the withdrawn amount (whichever is higher)

    Foreign transaction Fee
    3.00 %

    of transaction amount + Rs.1 per USD

    Late Payment Fee
    PKR 1,500

    or 10% of the minimum amount (whichever is higher)

    Overlimit Fee
    PKR 0

    Interest Free Period

    None

    SMS Alert Fee

    PKR 100 per month

    BTF Fees

    Processing Fee
    PKR 500

    or 3% of transfer amount (whichever is higher)


    Local Spend

    Cash Back
    -
    Reward Point
    -
    Airmiles
    1/PKR 40 spend

    1 Worldmile = PKR 40 spendÂ


    International Spend

    Int. Cash Back
    -
    Int. Reward Point
    -
    Int. Airmiles
    1/PKR 40 spend

    1 Worldmile is = PKR 40 spend (or equivalent)


    Grocery Spend

    Cash Back
    -
    Reward Point
    -
    Airmiles
    1/PKR 40 spend

    1 Worldmile = PKR 40 spend


    Fuel Spend

    Cash Back
    -
    Reward Point
    -
    Airmiles
    1/PKR 40 spend

    1 Worldmile = PKR 40 spend


    Minimum Monthly Income

    Salaried
    PKR 40,000

    Govt employees having PKR 75,000 salary and above can also apply

    Self Employed
    PKR 70,000

    Minimum Age

    Salaried
    21 Years
    Self Employed
    21 Years

    Salaried Individual

    Bank Statement
    Required

    6 months statement required

    CNIC
    Required

    Verified copy

    Salary Slip
    Required

    Verified by HR


    Self Employed Professional

    Bank Statement

    6 Months bank statement

    CNIC

    Readable and valid copy

    Proof of Business

    • Minimum 2 years of business history
    • Bank maintenance certificate (Clearly mentioning Name, CNIC & Tenure of relationship)
    • NTN(may be required)

    Sole Proprietor

    Bank Statement

    6 Months bank statement

    CNIC

    Readable and valid copy

    Proof Of Business

    • Minimum 2 years of business history
    • Bank maintenance certificate (Clearly mentioning Name, CNIC & Tenure of relationship)
    • NTN(may be required)

    Partnership

    Bank Statement

    6 Months bank statement

    CNIC

    Readable and valid copy

    Proof Of Business

    • Minimum 2 years of business history
    • Bank maintenance certificate (Clearly mentioning Name, CNIC & Tenure of relationship)
    • NTN(may be required)

    Private Limited

    Bank Statement

    6 Months bank statement

    CNIC

    Readable and valid copy

    Proof Of Business

    • Form 29
    • Form A
    • Articles of association

    Global Travel Assistance

    Benefits
    Global Customer Asisstance

    Global Customer Asisstance Service, allowing you to access various emergency services

    Assistance
    Concierge services

    Concierge services that help you get access to the best restaurants, concerts and other events

    Other
    Global Visa Platinum Concierge services

    Global Visa Platinum Concierge services offering information & reservation on a wide range of services


    Travel Insurance

    Subsidized Travel Insurance
    Avail 15% discount

    Avail 15% discount on any destination that you plan to visit

    Complimentary Travel Insurance
    USD 500,000

    Coverage up to USD 500,000 (Travel Accident Insurance)

    Other Insurance Benefits
    Coverage

    Coverage against a wide range of inconveniences faced when you are traveling under the Travel Inconvenience Insurance offer


    Lounge Access

    Domestic Lounge Access
    Domestic lounges access

    KHI International Airport: CIP Lounge

    LHR International Airport: CIP Lounge

    ISL International Airport: CIP Lounge

    International Lounge Access
    International lounges access

    Access to 60+ Lounges at leading international destinations

    Other Travel Benefits
    Car rental & limousine service

    Car rental and limousine services at selected destinations


    Priority Pass

    Joining Fee
    PKR 0
    Usage Fee
    PKR 0
    Other Fee
    PKR 0

    Salient Benefits

    1
    Avail 15% off

    Avail 15% off on Hertz car rental within Pakistan

    2
    Discounted Gifts

    Helping you send your loved ones special gifts from our exceptional assortment of flowers and miscellaneous gift items. You can now send floral bouquets and gift hampers to your family and friends and brighten their day! This service is however, applicable for cardholders based in Karachi, Lahore and Islamabad.

    3
    Complimentary Visa assistance

    Complimentary Visa assistance through concierge services


    Discounts

    Vendors
    150+

    CLICK HERE


  • SCB Saadiq Platinum Card

    SCB Saadiq Platinum Card

    PKR 9,000
    N/a
    PKR 5,000

    Benefits

    • Shariah Compliant Credit card towards
    • Up to Rs 1,000 cashback per month on fuel and grocery; where maximum cash back for each category is Rs 500 (5% cash back on fuel & grocery, and 3% on electronics)
    • Concierge services available for booking of tickets, hotels, entertainment events and travel promotional offers

    Be Aware of

    • This card charges a maintenance fee as opposed to an interest rate (APR).
    • You will have a fixed monthly maintenance fee charged against services/privileges on this card irrespective of the amount/limit utilised on the card

    Rates

    Monthly APR
    PKR 9,000

    No Interest. A fixed monthly fee of PKR 9,000 irrespective of outstanding. As a promo, this fee will be waived if full outstanding is paid by due date.

    Cash Advance
    None
    Monthly BTF Rate
    N/a

    Annual Fees

    Annual Fee
    PKR 5,000
    Supplementary Card Fees
    PKR 2,500
    Chip Maintenance Fee
    PKR 0

    Other Fees

    Cash Advance Fee
    PKR 1,000

    per transaction

    Foreign transaction Fee
    3 %

    on transaction amount

    Late Payment Fee
    PKR 1,500

    To be paid out in charity as advised by Shariah Advisory Board & Bank's charity policy

    Overlimit Fee
    PKR 0

    Interest Free Period


    SMS Alert Fee

    100 per month

    Up to Rs. 100 per month or Rs 1,200 per annum


    BTF Fees

    Processing Fee
    PKR 1,000

    One time BTF processing charges of PKR 1,000


    Local Spend

    Cash Back
    1,000 per month

    Up to Rs 1,000 cashback per month on fuel and grocery; where maximum cash back for each category is Rs 500 (5% cash back on fuel & grocery, and 3% on electronics)

    Reward Point
    -
    Airmiles
    -

    International Spend

    Int. Cash Back
    -
    Int. Reward Point
    -
    Int. Airmiles
    -

    Grocery Spend

    Cash Back
    5 %

    cash back on fuel & grocery

    Reward Point
    -
    Airmiles
    -

    Fuel Spend

    Cash Back
    5 %

    cash back on fuel & grocery

    Reward Point
    -
    Airmiles
    -

    Minimum Monthly Income

    Salaried
    PKR 40,000

    Govt employees having PKR 75,000 salary and above can also apply

    Self Employed
    PKR 70,000

    Minimum Age

    Salaried
    21 Years
    Self Employed
    21 Years

    Salaried Individual

    Bank Statement
    Required

    6 months statement required

    CNIC
    Required

    Verified copy

    Salary Slip
    Required

    Verified by HR


    Self Employed Professional

    Bank Statement

    6 Months bank statement

    CNIC

    Readable and valid copy

    Proof of Business

    • Minimum 2 years of business history
    • Bank maintenance certificate (Clearly mentioning Name, CNIC & Tenure of relationship)
    • NTN(may be required)

    Sole Proprietor

    Bank Statement

    6 Months bank statement

    CNIC

    Readable and valid copy

    Proof Of Business

    • Minimum 2 years of business history
    • Bank maintenance certificate (Clearly mentioning Name, CNIC & Tenure of relationship)
    • NTN(may be required)

    Partnership

    Bank Statement

    6 Months bank statement

    CNIC

    Readable and valid copy

    Proof Of Business

    • Minimum 2 years of business history
    • Bank maintenance certificate (Clearly mentioning Name, CNIC & Tenure of relationship)
    • NTN(may be required)

    Private Limited

    Bank Statement

    6 Months bank statement

    CNIC

    Readable and valid copy

    Proof Of Business

    • Form 29
    • Form A
    • Articles of association

    Global Travel Assistance

    Benefits
    Concierge services
    Assistance
    Offered
    Other
    Not offered

    Travel Insurance

    Subsidized Travel Insurance
    Not offered
    Complimentary Travel Insurance
    Not offered
    Other Insurance Benefits
    Not offered

    Lounge Access

    Domestic Lounge Access
    Domestic lounges access

    KHI International Airport: CIP Lounge

    LHR International Airport: CIP Lounge

    ISL International Airport: CIP Lounge

    International Lounge Access
    Not offered
    Other Travel Benefits
    Not offered

    Priority Pass

    Joining Fee
    PKR 0
    Usage Fee
    PKR 0
    Other Fee
    PKR 0

    Salient Benefits

    1
    Shariah Compliant Credit card
    2
    Concierge services
    3
    Exicitng cashback program

    Discounts

    Vendors
    60+

    CLICK HERE


  • SCB Saadiq Worldmiles Card

    SCB Saadiq Worldmiles Card

    PKR 10,500
    N/a
    PKR 8,000

    Benefits

    • Earn WorldMiles and redeem to avail tickets to any destination and airline of customer's choice
    • Access to over 80 airport lounges worldwide
    • Concierge services available for booking of tickets, hotels, entertainment events and travel promotional offers

    Be Aware of

    • This card charges a maintenance fee as opposed to an interest rate (APR).
    • You will have a fixed monthly maintenance fee charged against services/privileges on this card irrespective of the amount/limit utilised on the card

    Rates

    Monthly APR
    PKR 10,500

    No Interest. A fixed monthly fee of PKR 10,500 irrespective of outstanding. As a promo, this fee will be waived if full outstanding is paid by due date.

    Cash Advance
    None
    Monthly BTF Rate
    N/a

    Annual Fees

    Annual Fee
    PKR 8,000
    Supplementary Card Fees
    PKR 4,000
    Chip Maintenance Fee
    PKR 0

    Other Fees

    Cash Advance Fee
    PKR 1,000

    per transaction

    Foreign transaction Fee
    3 %

    on transaction amount

    Late Payment Fee
    PKR 1,500

    To be paid out in charity as advised by Shariah Advisory Board & Bank's charity policy

    Overlimit Fee
    PKR 0

    Interest Free Period


    SMS Alert Fee

    100 per month

    Up to Rs. 100 per month or Rs 1,200 per annum


    BTF Fees

    Processing Fee
    PKR 1,000

    One time BTF processing charges of PKR 1,000


    Local Spend

    Cash Back
    Reward Point
    -
    Airmiles
    1/PKR 40 spend

    1 Worldmile = PKR 40 spend


    International Spend

    Int. Cash Back
    -
    Int. Reward Point
    -
    Int. Airmiles
    1/PKR 40 spend

    1 Worldmile = PKR 40 spend


    Grocery Spend

    Cash Back
    -
    Reward Point
    -
    Airmiles
    1/PKR 40 spend

    1 Worldmile = PKR 40 spend


    Fuel Spend

    Cash Back
    -
    Reward Point
    -
    Airmiles
    1/PKR 40 spend

    1 Worldmile = PKR 40 spend


    Minimum Monthly Income

    Salaried
    PKR 40,000

    Govt employees having PKR 75,000 salary and above can also apply

    Self Employed
    PKR 70,000

    Minimum Age

    Salaried
    21 Years
    Self Employed
    21 Years

    Salaried Individual

    Bank Statement
    Required

    6 months statement required

    CNIC
    Required

    Verified copy

    Salary Slip
    Required

    Verified by HR


    Self Employed Professional

    Bank Statement

    6 Months bank statement

    CNIC

    Readable and valid copy

    Proof of Business

    • Minimum 2 years of business history
    • Bank maintenance certificate (Clearly mentioning Name, CNIC & Tenure of relationship)
    • NTN(may be required)

    Sole Proprietor

    Bank Statement

    6 Months bank statement

    CNIC

    Readable and valid copy

    Proof Of Business

    • Minimum 2 years of business history
    • Bank maintenance certificate (Clearly mentioning Name, CNIC & Tenure of relationship)
    • NTN(may be required)

    Partnership

    Bank Statement

    6 Months bank statement

    CNIC

    Readable and valid copy

    Proof Of Business

    • Minimum 2 years of business history
    • Bank maintenance certificate (Clearly mentioning Name, CNIC & Tenure of relationship)
    • NTN(may be required)

    Private Limited

    Bank Statement

    6 Months bank statement

    CNIC

    Readable and valid copy

    Proof Of Business

    • Form 29
    • Form A
    • Articles of association

    Global Travel Assistance

    Benefits
    Not offered
    Assistance
    Offered
    Other
    Not offered

    Travel Insurance

    Subsidized Travel Insurance
    Not offered
    Complimentary Travel Insurance
    Not offered
    Other Insurance Benefits
    Not offered

    Lounge Access

    Domestic Lounge Access
    Domestic lounges access

    KHI International Airport: CIP Lounge

    LHR International Airport: CIP Lounge

    ISL International Airport: CIP Lounge

    International Lounge Access
    International lounges access

    Access to 80+ lounges at leading international destinations

    Other Travel Benefits
    Not offered

    Priority Pass

    Joining Fee
    PKR 0
    Usage Fee
    PKR 0
    Other Fee
    PKR 0

    Salient Benefits

    1
    Avail Instalment Plan with zero extra charges
    2
    Discounts at select retail outlets in Pakistan and UAE
    3
    24/7 Priority Client Centre access

    Discounts

    Vendors
    As a promo, Maintenance Fee for the month will be waived if full outstanding for that month is paid by its due date.

    CLICK HERE


  • JS Bank Platinum Credit Card

    JS Bank Platinum Credit Card

    3.33 %
    2.00 %
    PKR 0

    Benefits

    • Withdraw up to 75% of credit limit with no cash advance fee
    • A variety of discounts at popular restuarants and retail outlets
    • Complimentary SMS alerts

    Be Aware of

    • This card can not be used internationally

    Rates

    Monthly APR
    3.33 %

    40% per annum

    Cash Advance
    3.33 % per month

    40% per annum

    Monthly BTF Rate
    2.00 %

    24% per annum


    Annual Fees

    Annual Fee
    PKR 0
    Supplementary Card Fees
    PKR 0
    Chip Maintenance Fee
    PKR 0

    Other Fees

    Cash Advance Fee
    PKR 1,200

    or 3% of withdrawn amount (which ever is higher)

    Foreign transaction Fee
    3.50% %

    or Transaction Amount

    Late Payment Fee
    PKR 1,500
    Overlimit Fee
    PKR 0

    Not indicated


    Interest Free Period

    51 Days

    SMS Alert Fee

    PKR 0

    Fee is waived


    BTF Fees

    Processing Fee
    PKR 600

    per transfer


    Local Spend

    Cash Back
    0.5 %

    on all retail transactions! Exciting discounts on shopping and dining!

    Reward Point
    -
    Airmiles
    -

    International Spend

    Int. Cash Back
    -
    Int. Reward Point
    -
    Int. Airmiles
    -

    Grocery Spend

    Cash Back
    0.50 %

    on all retail transactions! Exciting discounts on shopping and dining!

    Reward Point
    -
    Airmiles
    -

    Fuel Spend

    Cash Back
    0.50 %

    on all retail transactions! Exciting discounts on shopping and dining!

    Reward Point
    -
    Airmiles
    -

    Minimum Monthly Income

    Salaried
    PKR 125,000

    Currently Employed for 1 month with total employment of 6 months

    Self Employed
    PKR 150,000

    Two Years of total Business


    Minimum Age

    Salaried
    18 Years

    and Maximum age is 65 years

    Self Employed
    18 Years

    and Maximum age is 70 years


    Salaried Individual

    Bank Statement
    Required

    6 Months Bank Statement (Should be signed & Stamp) Along with Account Maintenance Certificate (If Required)

    CNIC
    Required
    Salary Slip
    Required

    Along with Salary Certificate (not old more then 2 months, if copy should be O/S)


    Self Employed Professional

    Bank Statement
    Required

    6 Months Bank Statement (Should be signed & Stamp) Along with Account Maintenance Certificate (If Required)

    CNIC
    Required
    Proof of Business
    Required

    2 Years of business history


    Sole Proprietor

    Bank Statement
    Required

    6 Months Bank Statement (Should be signed & Stamp) Along with Account Maintenance Certificate (If Required)

    CNIC
    Required
    Proof Of Business
    Required

    2 Years of business history


    Partnership

    Bank Statement
    Required

    6 Months Bank Statement (Should be signed & Stamp) Along with Account Maintenance Certificate (If Required)

    CNIC
    Required
    Proof Of Business
    Required

    2 Years of business history


    Private Limited

    Bank Statement
    Required

    6 Months Bank Statement (Should be signed & Stamp) Along with Account Maintenance Certificate (If Required)

    CNIC
    Required
    Proof Of Business
    Required

    2 Years of business history


    Global Travel Assistance

    Benefits
    Not offered
    Assistance
    Not offered
    Other
    Not offered

    Travel Insurance

    Subsidized Travel Insurance
    Not offered
    Complimentary Travel Insurance
    Not offered
    Other Insurance Benefits
    Not offered

    Lounge Access

    Domestic Lounge Access
    Domestic CIP Lounge Access

    KHI International Airport: CIP Lounge

    LHR International Airport: CIP Lounge

    ISL International Airport: CIP Lounge

    International Lounge Access
    Not offered
    Other Travel Benefits
    Not offered

    Priority Pass

    Joining Fee
    PKR 0
    Usage Fee
    PKR 0
    Other Fee
    PKR 0

    Salient Benefits

    1
    Receive cashback on your local spend
    2
    CIP Louge Access
    3
    Not indicated

    Discounts

    Vendors
    50+

  • JS Bank Gold Credit Card

    JS Bank Gold Credit Card

    3.33 %
    2.00 %
    PKR 0

    Benefits

    • Withdraw up to 75% of credit limit with no cash advance fee
    • A variety of discounts at popular restuarants and retail outlets
    • Complimentary SMS alerts

    Be Aware of

    • The card is not a chip based card

    Rates

    Monthly APR
    3.33 %

    40% per annum

    Cash Advance
    3.33 % per month

    40% per annum

    Monthly BTF Rate
    2.00 %

    24% per annum


    Annual Fees

    Annual Fee
    PKR 0
    Supplementary Card Fees
    PKR 0
    Chip Maintenance Fee
    PKR 0

    Other Fees

    Cash Advance Fee
    PKR 1,200

    or 3% of withdrawl amount (whichever is higher)

    Foreign transaction Fee
    3.50 %

    or Transaction Amount

    Late Payment Fee
    PKR 1,500
    Overlimit Fee
    PKR 0

    Interest Free Period

    51 Days

    SMS Alert Fee

    PKR 0

    Fee is waived


    BTF Fees

    Processing Fee
    PKR 600

    per transfer


    Local Spend

    Cash Back
    0.50 %

    on all retail transactions! Exciting discounts on shopping and dining!

    Reward Point
    -
    Airmiles
    -

    International Spend

    Int. Cash Back
    -
    Int. Reward Point
    -
    Int. Airmiles
    -

    Grocery Spend

    Cash Back
    0.50 %

    on all retail transactions! Exciting discounts on shopping and dining!

    Reward Point
    -
    Airmiles
    -

    Fuel Spend

    Cash Back
    0.50 %

    on all retail transactions! Exciting discounts on shopping and dining!

    Reward Point
    -
    Airmiles
    -

    Minimum Monthly Income

    Salaried
    PKR 50,000

    Currently Employed for 1 month with total employment of 6 months

    Self Employed
    PKR 100,000

    Two Years of total Business


    Minimum Age

    Salaried
    18 Years
    Self Employed
    18 Years

    Salaried Individual

    Bank Statement
    Required

    6 Months Bank Statement (Should be signed & Stamp) Along with Account Maintenance Certificate (If Required)

    CNIC
    Required
    Salary Slip
    Required

    Along with Salary Certificate (not old more then 2 months, if copy should be O/S)


    Self Employed Professional

    Bank Statement
    Required

    6 Months Bank Statement (Should be signed & Stamp) Along with Account Maintenance Certificate (If Required)

    CNIC
    Required
    Proof of Business
    Required

    2 Years of business history


    Sole Proprietor

    Bank Statement
    Required

    6 Months Bank Statement (Should be signed & Stamp) Along with Account Maintenance Certificate (If Required)

    CNIC
    Required
    Proof Of Business
    Required

    2 Years of business history


    Partnership

    Bank Statement
    Required

    6 Months Bank Statement (Should be signed & Stamp) Along with Account Maintenance Certificate (If Required)

    CNIC
    Required
    Proof Of Business
    Required

    2 Years of business history


    Private Limited

    Bank Statement
    Required

    6 Months Bank Statement (Should be signed & Stamp) Along with Account Maintenance Certificate (If Required)

    CNIC
    Required
    Proof Of Business
    Required

    2 Years of business history


    Global Travel Assistance

    Benefits
    Not offered
    Assistance
    Not offered
    Other
    Not offered

    Travel Insurance

    Subsidized Travel Insurance
    Not offered
    Complimentary Travel Insurance
    Not offered
    Other Insurance Benefits
    Not offered

    Lounge Access

    Domestic Lounge Access
    Domestic CIP Lounge Access

    KHI International Airport: CIP Lounge

    LHR International Airport: CIP Lounge

    ISL International Airport: CIP Lounge

    International Lounge Access
    Not offered
    Other Travel Benefits
    Not offered

    Priority Pass

    Joining Fee
    PKR 0
    Usage Fee
    PKR 0
    Other Fee
    PKR 0

    Salient Benefits

    1
    Receive cashback on your local spend
    2
    CIP Lounge access
    3
    Not indicated

    Discounts

    Vendors
    50+

  • JS Bank Classic Credit Card

    JS Bank Classic Credit Card

    3.33 %
    2.00 %
    PKR 0

    Benefits

    • Withdraw up to 75% of credit limit with no cash advance fee
    • A variety of discounts at popular restuarants and retail outlets
    • Complimentary SMS alerts

    Be Aware of

    • The card is not a chip based card

    Rates

    Monthly APR
    3.33 %

    40% per annum

    Cash Advance
    3.33 % per month

    40% per annum

    Monthly BTF Rate
    2.00 %

    24% per annum


    Annual Fees

    Annual Fee
    PKR 0
    Supplementary Card Fees
    PKR 0
    Chip Maintenance Fee
    PKR 0

    Other Fees

    Cash Advance Fee
    PKR 1,200

    or 3% of withdrawal amount (whichever is higher)

    Foreign transaction Fee
    3.50

    or Transaction Amount

    Late Payment Fee
    PKR 1,500
    Overlimit Fee
    PKR 0

    Interest Free Period

    51 Days

    SMS Alert Fee

    PKR 0

    Fee is waived


    BTF Fees

    Processing Fee
    PKR 600

    per transfer


    Local Spend

    Cash Back
    0.50 %

    on all retail transactions! Exciting discounts on shopping and dining!

    Reward Point
    -
    Airmiles
    -

    International Spend

    Int. Cash Back
    -
    Int. Reward Point
    -
    Int. Airmiles
    -

    Grocery Spend

    Cash Back
    0.50 %

    on all retail transactions! Exciting discounts on shopping and dining!

    Reward Point
    -
    Airmiles
    -

    Fuel Spend

    Cash Back
    0.5 %

    on all retail transactions! Exciting discounts on shopping and dining!

    Reward Point
    -
    Airmiles
    -

    Minimum Monthly Income

    Salaried
    PKR 20,000
    Self Employed
    PKR 40,000

    Minimum Age

    Salaried
    18 Years

    and Maximum age is 65 years

    Self Employed
    18 Years

    and Maximum age is 70 years


    Salaried Individual

    Bank Statement
    Required

    6 Months Bank Statement (Should be signed & Stamp) Along with Account Maintenance Certificate (If Required)

    CNIC
    Required
    Salary Slip
    Required

    Along with Salary Certificate (not old more then 2 months, if copy should be O/S)


    Self Employed Professional

    Bank Statement
    Required

     6 Months Bank Statement (Should be signed & Stamp) Along with Account Maintenance Certificate (If Required)

    CNIC
    Required
    Proof of Business
    Required

    2 Years of business history


    Sole Proprietor

    Bank Statement
    Required

     6 Months Bank Statement (Should be signed & Stamp) Along with Account Maintenance Certificate (If Required)

    CNIC
    Required
    Proof Of Business
    Required

    2 Years of business history


    Partnership

    Bank Statement
    Required

     6 Months Bank Statement (Should be signed & Stamp) Along with Account Maintenance Certificate (If Required)

    CNIC
    Required
    Proof Of Business
    Required

    2 Years of business history


    Private Limited

    Bank Statement
    Required

     6 Months Bank Statement (Should be signed & Stamp) Along with Account Maintenance Certificate (If Required)

    CNIC
    Required
    Proof Of Business
    Required

    2 Years of business history


    Global Travel Assistance

    Benefits
    Not offered
    Assistance
    Not offered
    Other
    Not offered

    Travel Insurance

    Subsidized Travel Insurance
    Not offered
    Complimentary Travel Insurance
    Not offered
    Other Insurance Benefits
    Not offered

    Lounge Access

    Domestic Lounge Access
    Domestic CIP Lounge Access

    KHI International Airport: CIP Lounge

    LHR International Airport: CIP Lounge

    ISL International Airport: CIP Lounge

    International Lounge Access
    Not offered
    Other Travel Benefits
    Not offered

    Priority Pass

    Joining Fee
    PKR 0
    Usage Fee
    PKR 0
    Other Fee
    PKR 0

    Salient Benefits

    1
    Receive cashback on your local spend
    2
    CIP Lounge access
    3
    Not indicated

    Discounts

    Vendors
    50+

  • Alfalah Platinum Credit Card

    Alfalah Platinum Credit Card

    3.33 %
    2.00 %
    PKR 0

    Benefits

    • Withdraw up to 50% of credit limit limit
    • No Annual fee

    Be Aware of

    • Priority Pass annual fee charged at USD 10
    • International lounge access through Priority Pass is charged at USD 32 per visit per person

    Rates

    Monthly APR
    3.33 %

    40% per annum

    Cash Advance
    3.33 %

    40% per annum

    Monthly BTF Rate
    2.00 %

    (24% APR)


    Annual Fees

    Annual Fee
    PKR 0

    PKR 4,000 is Joining fee

    Supplementary Card Fees
    PKR 2,000
    Chip Maintenance Fee
    PKR 0

    Other Fees

    Cash Advance Fee
    PKR 1,000

    or 3% of cash advance (whichever is higher)

    Foreign transaction Fee
    Upto 5.00 %

    Over prevailing market rate or as per SBP directive. Third currency US Dollars as per rate quoted under arrangement with Visa and MasterCard. Cross border transaction fee will also be charged as per Visa/MasterCard rules.

    Late Payment Fee
    PKR 1,450

    or 10% of minimum amount (whichever is higher)

    Overlimit Fee
    PKR 1,200

    or 2% of over limit amount (whichever is higher)


    Interest Free Period

    51 days

    SMS Alert Fee

    PKR 70 per month

    BTF Fees

    Processing Fee
    PKR 0

    Local Spend

    Cash Back
    -
    Reward Point
    1 Orbit point/PKR 200 spend

    1 Orbit point = 1 PKR

    Airmiles
    -

    International Spend

    Int. Cash Back
    -
    Int. Reward Point
    1 Orbit point/PKR 100 spend

    1 Orbit point = 1 PKR

    Int. Airmiles
    -

    Grocery Spend

    Cash Back
    -
    Reward Point
    -
    Airmiles
    -

    Fuel Spend

    Cash Back
    -
    Reward Point
    -
    Airmiles
    -

    Minimum Monthly Income

    Salaried
    PKR 100,000

    Gross monthly salary

    Self Employed
    PKR 150,000

    Average bank balance of past 6 months


    Minimum Age

    Salaried
    21 Years
    Self Employed
    21 Years

    Salaried Individual

    Bank Statement
    Required

    6 Months Computerized Bank Statement

    CNIC
    Required

    Readable and Valid Copy

    Salary Slip
    Required
    • Recent 3 months salary slip
    • Salary Letter
    • Proof of BPS (for Govt. employees)
    • Proof of rank (for Armed Forces Personnel)

    Self Employed Professional

    Bank Statement

    6 Months Computerized Bank Statement

    CNIC

    Readable and Valid Copy

    Proof of Business

    • Minimum 2 years of business history
    • Bank maintenance certificate (Clearly mentioning Name, CNIC & Tenure of relationship)
    • NTN(may be required)

    Sole Proprietor

    Bank Statement

    6 Months Computerized Bank Statement

    CNIC

    Readable and Valid Copy

    Proof Of Business

    • Minimum 2 years of business history
    • Bank maintenance certificate (Clearly mentioning Name, CNIC & Tenure of relationship)
    • NTN(may be required)

    Partnership

    Bank Statement

    6 Months Computerized Bank Statement

    CNIC

    Readable and Valid Copy

    Proof Of Business

    • Minimum 2 years of business history
    • Bank maintenance certificate (Clearly mentioning Name, CNIC & Tenure of relationship)
    • NTN(may be required)

    Private Limited

    Bank Statement

    6 Months Computerized Bank Statement

    CNIC

    Readable and Valid Copy

    Proof Of Business

    • Form 29
    • Form A
    • Articles of association

    Global Travel Assistance

    Benefits
    Not offered
    Assistance
    Offered
    Other
    Not offered

    Travel Insurance

    Subsidized Travel Insurance
    Not offered
    Complimentary Travel Insurance
    Not offered
    Other Insurance Benefits
    Not offered

    Lounge Access

    Domestic Lounge Access
    International Lounge Access
    Not offered

    lounges offered partnership through priority pass

    Other Travel Benefits
    Not offered

    Priority Pass

    Joining Fee
    USD 10

    per annum

    Usage Fee
    USD 32

    per visit

    Other Fee
    USD 0

    Salient Benefits

    1
    Low annual fee
    2
    First time credit card applicants may apply
    3
    Attractive reward point

    Discounts

    Vendors
    32+

  • 7.00% Cash Back on any 2 categories
    Alfalah Ultra Cashback Credit Card

    Alfalah Ultra Cashback Credit Card

    3.33 %
    2.00 %
    PKR 4,000

    Benefits

    • Withdraw up to 50% of credit limit limit
    • No Annual fee

    Be Aware of

    • Minimum value added services

    Rates

    Monthly APR
    3.33 %

    40% per annum

    Cash Advance
    3.33 %

    40% per annum

    Monthly BTF Rate
    2.00 %

    (24% APR)


    Annual Fees

    Annual Fee
    PKR 4,000

    Rs 1,000 is refundable on the total spend of Rs 3,000 or above for first 3 months.

    Supplementary Card Fees
    PKR 2,000
    Chip Maintenance Fee
    PKR 0

    Other Fees

    Cash Advance Fee
    PKR 1,000

    or 3% of cash advance (whichever is higher)

    Foreign transaction Fee
    Upto 5.00 %

    Over prevailing market rate or as per SBP directive. Third currency US Dollars as per rate quoted under arrangement with Visa and MasterCard. Cross border transaction fee will also be charged as per Visa/MasterCard rules.

    Late Payment Fee
    PKR 1,450

    or 10% of minimum amount (whichever is higher)

    Overlimit Fee
    PKR 1,200

    or 2% of over limit amount (whichever is higher)


    Interest Free Period

    51 days

    SMS Alert Fee

    PKR 70 per month

    BTF Fees

    Processing Fee
    PKR 0

    Local Spend

    Cash Back
    PKR 750

    or 7% of actual spend/whichever is lower

    Reward Point
    -
    Airmiles
    -

    International Spend

    Int. Cash Back
    PKR 750

    or 7% of actual spend/whichever is lower

    Int. Reward Point
    -
    Int. Airmiles
    -

    Grocery Spend

    Cash Back
    -
    Reward Point
    -
    Airmiles
    -

    Fuel Spend

    Cash Back
    -
    Reward Point
    -
    Airmiles
    -

    Minimum Monthly Income

    Salaried
    PKR 20,000

    Gross monthly salary per month

    Self Employed
    PKR 50,000

    Average bank balance of past 6 months


    Minimum Age

    Salaried
    21 Years
    Self Employed
    21 Years

    Salaried Individual

    Bank Statement
    Required

    6 Months Computerized Bank Statement

    CNIC
    Required

    Readable and Valid Copy

    Salary Slip
    Required
    • Recent 3 months salary slip
    • Salary Letter
    • Proof of BPS (for Govt. employees)
    • Proof of rank (for Armed Forces Personnel)

    Self Employed Professional

    Bank Statement

    6 Months Computerized Bank Statement

    CNIC

    Readable and Valid Copy

    Proof of Business

    • Minimum 2 years of business history
    • Bank maintenance certificate (Clearly mentioning Name, CNIC & Tenure of relationship)
    • NTN(may be required)

    Sole Proprietor

    Bank Statement

    6 Months Computerized Bank Statement

    CNIC

    Readable and Valid Copy

    Proof Of Business

    • Minimum 2 years of business history
    • Bank maintenance certificate (Clearly mentioning Name, CNIC & Tenure of relationship)
    • NTN(may be required)

    Partnership

    Bank Statement

    6 Months Computerized Bank Statement

    CNIC

    Readable and Valid Copy

    Proof Of Business

    • Minimum 2 years of business history
    • Bank maintenance certificate (Clearly mentioning Name, CNIC & Tenure of relationship)
    • NTN(may be required)

    Private Limited

    Bank Statement

    6 Months Computerized Bank Statement

    CNIC

    Readable and Valid Copy

    Proof Of Business

    • Form 29
    • Form A
    • Articles of association

    Global Travel Assistance

    Benefits
    Not offered
    Assistance
    Offered
    Other
    Not offered

    Travel Insurance

    Subsidized Travel Insurance
    Not offered
    Complimentary Travel Insurance
    Not offered
    Other Insurance Benefits
    Not offered

    Lounge Access

    Domestic Lounge Access
    Not offered
    International Lounge Access
    Not offered
    Other Travel Benefits
    Not offered

    Priority Pass

    Joining Fee
    USD 0
    Usage Fee
    USD 0
    Other Fee
    USD 0

    Salient Benefits

    1
    Discounts are available on Fuel, Supermarket, Hotels, Airlines, Hospitals and clothing
    2
    First time credit card applicants may apply
    3
    Attractive reward point

    Discounts

    Vendors
    42+

  • Alfalah Titanium Credit Card

    Alfalah Titanium Credit Card

    3.33 %
    2.00 %
    PKR 0

    Benefits

    • Withdraw up to 50% of credit limit
    • No Annual fee

    Be Aware of

    • Priority Pass annual fee charged at USD 10
    • International lounge access through Priority Pass is charged at USD 32 per visit per person

    Rates

    Monthly APR
    3.33 %

    40% per annum

    Cash Advance
    3.33 %

    40% per annum

    Monthly BTF Rate
    2.00 %

    (24% APR)


    Annual Fees

    Annual Fee
    PKR 0
    Supplementary Card Fees
    PKR 0
    Chip Maintenance Fee
    PKR 0

    Other Fees

    Cash Advance Fee
    PKR 1,000

    or 3% of the withdrawn amount (whichever is higher)

    Foreign transaction Fee
    Upto 5.00 %

    Over prevailing market rate or as per SBP directive. Third currency US Dollars as per rate quoted under arrangement with Visa and MasterCard. Cross border transaction fee will also be charged as per Visa/MasterCard rules.

    Late Payment Fee
    PKR 1,450

    or 10% of the minimum amount (whichever is higher)

    Overlimit Fee
    PKR 1,200

    or 2% of the over limit amount (whichever is higher)


    Interest Free Period

    51 days

    SMS Alert Fee

    PKR 70 per month

    BTF Fees

    Processing Fee
    PKR 0

    Local Spend

    Cash Back
    -
    Reward Point
    1 Orbit point/PKR 200 spend

    1 Orbit point = 1 PKR

    Airmiles
    -

    International Spend

    Int. Cash Back
    -
    Int. Reward Point
    1 Orbit point/PKR 100 spend

    1 Orbit point = 1 PKR

    Int. Airmiles
    -

    Grocery Spend

    Cash Back
    -
    Reward Point
    -
    Airmiles
    -

    Fuel Spend

    Cash Back
    -
    Reward Point
    -
    Airmiles
    -

    Minimum Monthly Income

    Salaried
    PKR 50,000

    Gross monthly salary

    Self Employed
    PKR 150,000

    Average bank balance of past 6 months


    Minimum Age

    Salaried
    21 Years
    Self Employed
    21 Years

    Salaried Individual

    Bank Statement
    Required

    6 Months Computerized Bank Statement

    CNIC
    Required

    Readable and Valid Copy

    Salary Slip
    Required
    • Recent 3 months salary slip
    • Salary Letter
    • Proof of BPS (for Govt. employees)
    • Proof of rank (for Armed Forces Personnel)

    Self Employed Professional

    Bank Statement

    6 Months Computerized Bank Statement

    CNIC

    Readable and Valid Copy

    Proof of Business

    • Minimum 2 years of business history
    • Bank maintenance certificate (Clearly mentioning Name, CNIC & Tenure of relationship)
    • NTN(may be required)

    Sole Proprietor

    Bank Statement

    6 Months Computerized Bank Statement

    CNIC

    Readable and Valid Copy

    Proof Of Business

    • Minimum 2 years of business history
    • Bank maintenance certificate (Clearly mentioning Name, CNIC & Tenure of relationship)
    • NTN(may be required)

    Partnership

    Bank Statement

    6 Months Computerized Bank Statement

    CNIC

    Readable and Valid Copy

    Proof Of Business

    • Minimum 2 years of business history
    • Bank maintenance certificate (Clearly mentioning Name, CNIC & Tenure of relationship)
    • NTN(may be required)

    Private Limited

    Bank Statement

    6 Months Computerized Bank Statement

    CNIC

    Readable and Valid Copy

    Proof Of Business

    • Form 29
    • Form A
    • Articles of association

    Global Travel Assistance

    Benefits
    Not offered
    Assistance
    Offered
    Other
    Not offered

    Travel Insurance

    Subsidized Travel Insurance
    Not offered
    Complimentary Travel Insurance
    Not offered
    Other Insurance Benefits
    Not offered

    Lounge Access

    Domestic Lounge Access
    Not offered
    International Lounge Access
    Not offered
    Other Travel Benefits
    Not offered

    Priority Pass

    Joining Fee
    USD 10

    per annum

    Usage Fee
    USD 32

    per visit

    Other Fee
    USD 0

    Salient Benefits

    1
    No Annual fee
    2
    First time credit card applicants may apply
    3
    Attractive reward point

    Discounts

    Vendors
    225+

  • Alfalah Gold Credit Card

    Alfalah Gold Credit Card

    3.33 %
    2.00 %
    PKR 0

    Benefits

    • Withdraw up to 50% of credit limit limit
    • No Annual fee

    Be Aware of

    • The Domestic/International airport lounges only accessible upon PKR 30,000 monthly spend

    Rates

    Monthly APR
    3.33 %

    40% per annum

    Cash Advance
    3.33 %

    40% per annum

    Monthly BTF Rate
    2.00 %

    (24% APR)


    Annual Fees

    Annual Fee
    PKR 0
    Supplementary Card Fees
    PKR 0
    Chip Maintenance Fee
    PKR 0

    Other Fees

    Cash Advance Fee
    PKR 1,000

    or 3% of cash advance amount (whichever is higher)

    Foreign transaction Fee
    Upto 5.00 %

    Over prevailing market rate or as per SBP directive. Third currency US Dollars as per rate quoted under arrangement with Visa and MasterCard. Cross border transaction fee will also be charged as per Visa/MasterCard rules.

    Late Payment Fee
    PKR 1,450

    or 10% of minimum amount (whichever is higher)

    Overlimit Fee
    PKR 1,200

    or 2% of over limit amount (whichever is higher)


    Interest Free Period

    51 days

    SMS Alert Fee

    PKR 70 per month

    BTF Fees

    Processing Fee
    PKR 0

    Local Spend

    Cash Back
    -
    Reward Point
    1 Orbit point/PKR 200 spend

    1 Orbit point = 1 PKR

    Airmiles
    -

    International Spend

    Int. Cash Back
    -
    Int. Reward Point
    1 Orbit point/PKR 100 spend

    1 Orbit point = 1 PKR

    Int. Airmiles
    -

    Grocery Spend

    Cash Back
    -
    Reward Point
    -
    Airmiles
    -

    Fuel Spend

    Cash Back
    -
    Reward Point
    -
    Airmiles
    -

    Minimum Monthly Income

    Salaried
    PKR 50,000

    Gross salary per month

    Self Employed
    PKR 100,000

    Average bank balance of past 6 months


    Minimum Age

    Salaried
    21 Years
    Self Employed
    21 Years

    Salaried Individual

    Bank Statement
    Required

    6 Months Computerized Bank Statement

    CNIC
    Required

    Readable and Valid Copy

    Salary Slip
    Required
    • Recent 3 months salary slip
    • Salary Letter
    • Proof of BPS (for Govt. employees)
    • Proof of rank (for Armed Forces Personnel)

    Self Employed Professional

    Bank Statement

    6 Months Computerized Bank Statement

    CNIC

    Readable and Valid Copy

    Proof of Business

    • Minimum 2 years of business history
    • Bank maintenance certificate (Clearly mentioning Name, CNIC & Tenure of relationship)
    • NTN(may be required)

    Sole Proprietor

    Bank Statement

    6 Months Computerized Bank Statement

    CNIC

    Readable and Valid Copy

    Proof Of Business

    • Minimum 2 years of business history
    • Bank maintenance certificate (Clearly mentioning Name, CNIC & Tenure of relationship)
    • NTN(may be required)

    Partnership

    Bank Statement

    6 Months Computerized Bank Statement

    CNIC

    Readable and Valid Copy

    Proof Of Business

    • Minimum 2 years of business history
    • Bank maintenance certificate (Clearly mentioning Name, CNIC & Tenure of relationship)
    • NTN(may be required)

    Private Limited

    Bank Statement

    6 Months Computerized Bank Statement

    CNIC

    Readable and Valid Copy

    Proof Of Business

    • Form 29
    • Form A
    • Articles of association

    Global Travel Assistance

    Benefits
    Not offered
    Assistance
    Offered
    Other
    Not offered

    Travel Insurance

    Subsidized Travel Insurance
    Not offered
    Complimentary Travel Insurance
    Not offered
    Other Insurance Benefits
    Not offered

    Lounge Access

    Domestic Lounge Access
    Not offered
    International Lounge Access
    Not offered
    Other Travel Benefits
    Not offered

    Priority Pass

    Joining Fee
    USD 0
    Usage Fee
    USD 0
    Other Fee
    USD 0

    Salient Benefits

    1
    No Annual fee
    2
    First time credit card applicants may apply
    3
    Attractive reward point

    Discounts

    Vendors
    225+

  • Alfalah Classic Credit Card

    Alfalah Classic Credit Card

    3.33 %
    2.00 %
    PKR 0

    Benefits

    • Withdraw up to 50% of credit limit limit
    • No Annual fee

    Be Aware of

    • Minimum value added services

    Rates

    Monthly APR
    3.33 %

    40% per annum

    Cash Advance
    3.33 %

    40% per annum

    Monthly BTF Rate
    2.00 %

    (24% APR)


    Annual Fees

    Annual Fee
    PKR 0
    Supplementary Card Fees
    PKR 0
    Chip Maintenance Fee
    PKR 0

    Other Fees

    Cash Advance Fee
    PKR 1,000

    or 3% of cash advance (whichever is higher)

    Foreign transaction Fee
    Upto 5.00 %

    Over prevailing market rate or as per SBP directive. Third currency US Dollars as per rate quoted under arrangement with Visa and MasterCard. Cross border transaction fee will also be charged as per Visa/MasterCard rules.

    Late Payment Fee
    PKR 1,450

    or 10% of minimum amount due (whichever is higher)

    Overlimit Fee
    PKR 1,200

    or 2% of the over limit amount (whichever is higher)


    Interest Free Period

    51 days

    SMS Alert Fee

    PKR 70 per month

    BTF Fees

    Processing Fee
    PKR 0

    Local Spend

    Cash Back
    -
    Reward Point
    1 Orbit point/PKR 200 spend

    1 Orbit point = 1 PKR

    Airmiles
    -

    International Spend

    Int. Cash Back
    -
    Int. Reward Point
    1 Orbit point/PKR 100 spend

    1 Orbit point = 1 PKR

    Int. Airmiles
    -

    Grocery Spend

    Cash Back
    -
    Reward Point
    -
    Airmiles
    -

    Fuel Spend

    Cash Back
    -
    Reward Point
    -
    Airmiles
    -

    Minimum Monthly Income

    Salaried
    PKR 20,000

    Gross monthly salary per month

    Self Employed
    PKR 100,000

    Average bank balance of past 6 months


    Minimum Age

    Salaried
    21 Years
    Self Employed
    21 Years

    Salaried Individual

    Bank Statement
    Required

    6 Months Computerized Bank Statement

    CNIC
    Required

    Readable and Valid Copy

    Salary Slip
    Required
    • Recent 3 months salary slip
    • Salary Letter
    • Proof of BPS (for Govt. employees)
    • Proof of rank (for Armed Forces Personnel)

    Self Employed Professional

    Bank Statement

    6 Months Computerized Bank Statement

    CNIC

    Readable and Valid copy

    Proof of Business

    • Minimum 2 years of business history
    • Bank maintenance certificate (Clearly mentioning Name, CNIC & Tenure of relationship)
    • NTN(may be required)

    Sole Proprietor

    Bank Statement

    6 Months Computerized Bank Statement

    CNIC

    Readable and Valid Copy

    Proof Of Business

    • Minimum 2 years of business history
    • Bank maintenance certificate (Clearly mentioning Name, CNIC & Tenure of relationship)
    • NTN(may be required)

    Partnership

    Bank Statement

    6 Months Computerized Bank Statement

    CNIC

    Readable and Valid Copy

    Proof Of Business

    • Minimum 2 years of business history
    • Bank maintenance certificate (Clearly mentioning Name, CNIC & Tenure of relationship)
    • NTN(may be required)

    Private Limited

    Bank Statement

    6 Months Computerized Bank statement

    CNIC

    Readable and Valid Copy

    Proof Of Business

    • Form 29
    • Form A
    • Articles of association

    Global Travel Assistance

    Benefits
    Not offered
    Assistance
    Offered
    Other
    Not offered

    Travel Insurance

    Subsidized Travel Insurance
    Not offered
    Complimentary Travel Insurance
    Not offered
    Other Insurance Benefits
    Not offered

    Lounge Access

    Domestic Lounge Access
    Not offered
    International Lounge Access
    Not offered
    Other Travel Benefits
    Not offered

    Priority Pass

    Joining Fee
    USD 0
    Usage Fee
    USD 0
    Other Fee
    USD 0

    Salient Benefits

    1
    No Annual fee
    2
    First time credit card applicants may apply
    3
    Attractive reward point

    Discounts

    Vendors
    225+

  • Faysal Bank Titanium Credit Card

    Faysal Bank Titanium Credit Card

    3.25 %
    2.00 %
    PKR 6,000

    Benefits

    • Double reward points on groceries
    • Unlimited CIP lounges access within Pakistan
    • Instant reward points redemption option at 800+ outlets

    Be Aware of

    • Limited lounge access internationally
    • The cash back is only available through a lucky draw
    • Higher rate to earn reward points

    Rates

    Monthly APR
    3.25 %

    39% per annum

    Cash Advance
    3.25 %

    39% per annum

    Monthly BTF Rate
    2.00 %

    24% per annum


    Annual Fees

    Annual Fee
    PKR 6,000
    Supplementary Card Fees
    PKR 2,000
    Chip Maintenance Fee
    PKR 700

    Other Fees

    Cash Advance Fee
    PKR 1,000

    or 3% of cash transaction whichever is higher

    Foreign transaction Fee
    3.50 %
    Late Payment Fee
    PKR 1,500

    per instance

    Overlimit Fee
    PKR 1,400

    Interest Free Period

    45 days

    SMS Alert Fee

    PKR 100

    PKR 900 for the annual package


    BTF Fees

    Processing Fee
    PKR 0

    Not applicable


    Local Spend

    Cash Back
    -
    Reward Point
    Double reward points

    Earn 2 titanium points upon spending PKR 150

    Airmiles
    -

    International Spend

    Int. Cash Back
    -
    Int. Reward Point
    Double reward points

    Earn 2 titanium points upon spending PKR 150

    Int. Airmiles
    -

    Grocery Spend

    Cash Back
    -
    Reward Point
    Double reward points

    Earn 2 titanium points upon spending PKR 150

    Airmiles
    -

    Fuel Spend

    Cash Back
    -
    Reward Point
    Double reward points

    Earn 2 titanium points upon spending PKR 150

    Airmiles
    -

    Minimum Monthly Income

    Salaried
    Not indicated
    Self Employed
    Not indicated

    Minimum Age

    Salaried
    21 Years
    Self Employed
    21 Years

    Salaried Individual

    Bank Statement
    Not indicated
    CNIC
    Not indicated
    Salary Slip
    Not indicated

    Self Employed Professional

    Bank Statement
    Not indicated
    CNIC
    Not indicated
    Proof of Business
    Not indicated

    Sole Proprietor

    Bank Statement
    Not indicated
    CNIC
    Not indicated
    Proof Of Business
    Not indicated

    Partnership

    Bank Statement
    Not indicated
    CNIC
    Not indicated
    Proof Of Business
    Not indicated

    Private Limited

    Bank Statement
    Not indicated
    CNIC
    Not indicated
    Proof Of Business
    Not indicated

    Global Travel Assistance

    Benefits
    Not offered
    Assistance
    Not offered
    Other
    Not offered

    Travel Insurance

    Subsidized Travel Insurance
    Tailored insurance plans
    Complimentary Travel Insurance
    Not offered
    Other Insurance Benefits
    Not offered

    Lounge Access

    Domestic Lounge Access
    CIP lounges access
    • KHI International Airport: CIP Lounge
    • LHR International Airport: CIP Lounge
    • ISL International Airport: CIP Lounge
    International Lounge Access
    VIP Lounges access

    Access to over 10 airports internationally

    • UAE
    • Saudi Arabia
    • Jordan
    • Kuwait
    • Egypt
    Other Travel Benefits
    Not offered

    Priority Pass

    Joining Fee
    PKR 0
    Usage Fee
    PKR 0
    Other Fee
    PKR 0

    Salient Benefits

    1
    Priceless Arabia

    Enjoy a wide range of dining, shopping and sporting opportunities to exciting hotel and entertainment experiences

    2
    Faysal Bank Flavors

    Avail discounts of up to 15% at more than 81 restaurants

    3
    Faysal Bank Lifestyles

    Avail discount of up to 50% at more than 100 Lifestyle Brands


    Discounts

    Vendors
    100+

  • HBL Platinum Credit Card

    HBL Platinum Credit Card

    3.25 %
    2.00 %
    PKR 10,000

    Benefits

    • Highest reward points on every foreign currency spend
    • Direct airport lounge access at 26 leading international destinations

    Be Aware of

    • Reward points can only be redeemed against HBL Platinum Rewards catalogue
    • Most international alliances are offered through Visa offers

    Rates

    Monthly APR
    3.25 %

    39% per annum

    Cash Advance
    3.25 %

    39% per annum

    Monthly BTF Rate
    2.00 %

    24% per annum


    Annual Fees

    Annual Fee
    PKR 10,000
    Supplementary Card Fees
    PKR 5,000
    Chip Maintenance Fee
    PKR 0

    Not applicable


    Other Fees

    Cash Advance Fee
    PKR 750

    or 3% of amount withdrawn (whichever is higher)

    Foreign transaction Fee
    3.00 %

    of transaction amount

    Late Payment Fee
    PKR 1,250
    Overlimit Fee
    PKR 1,250

    per instance


    Interest Free Period

    Not indicated

    SMS Alert Fee

    PKR 100

    per month


    BTF Fees

    Processing Fee
    PKR 500

    or 3% of the transferred amount (whichever is higher)


    Local Spend

    Cash Back
    -
    Reward Point
    1/PKR 25 spend

    1 reward point = 40 paisas

    Airmiles
    -

    International Spend

    Int. Cash Back
    -
    Int. Reward Point
    5/PKR 25 spend

    5 reward Points = PKR 2

    Int. Airmiles
    -

    Grocery Spend

    Cash Back
    -
    Reward Point
    1/PKR 25 spend

    1 reward point = 40 paisas

    Airmiles
    -

    Fuel Spend

    Cash Back
    -
    Reward Point
    25/PKR 25 spend

    1 reward point = 40 paisas

    Airmiles
    -

    Minimum Monthly Income

    Salaried
    Not Indicated
    Self Employed
    Not Indicated

    Minimum Age

    Salaried
    21 Years
    Self Employed
    21 Years

    Salaried Individual

    Bank Statement
    Not Indicated
    CNIC
    Not Indicated
    Salary Slip
    Not Indicated

    Self Employed Professional

    Bank Statement
    Not indicated
    CNIC
    Not Indicated
    Proof of Business
    Not Indicated

    Sole Proprietor

    Bank Statement
    Not Indicated
    CNIC
    Not Indicated
    Proof Of Business
    Not Indicated

    Partnership

    Bank Statement
    Not Indicated
    CNIC
    Not Indicated
    Proof Of Business
    Not Indicated

    Private Limited

    Bank Statement
    Not Indicated
    CNIC
    Not Indicated
    Proof Of Business
    Not Indicated

    Global Travel Assistance

    Benefits
    Visa Privileges

    Giving you access to discounts on lifestyle stores, restaurants, hotels and spas

     

     

    Assistance
    Charges are waived

    For:

    Lost and stolen card replacement

    Emergency card replacement

    Emergency cash disbursement

     

    Other
    Platinum protection

    Gives you access to Visa's medical & legal referral service


    Travel Insurance

    Subsidized Travel Insurance
    Not offered
    Complimentary Travel Insurance
    Not offered
    Other Insurance Benefits
    Not offered

    Lounge Access

    Domestic Lounge Access
    Domestic CIP Lounges Access

    KHI International Airport: CIP Lounge

    LHR International Airport: CIP Lounge

    ISL International Airport: CIP Lounge

    MUL International Airport: CIP Lounge

    International Lounge Access
    International CIP Lounges Access

     

    Access to 24+ lounges at leading international destinations

    Other Travel Benefits
    Visa Platinum Privileges
    • Discounts on meet & greet at 400 airport locations
    • Visa luxury hotel collection: Oher benefits at 900 hotels around the globe

    Priority Pass

    Joining Fee
    PKR 0
    Usage Fee
    PKR 0
    Other Fee
    PKR 0

    Salient Benefits

    1
    Attractive reward points on international spends
    2
    Strong international alliances through Platinum Privileges
    3
    Not indicated

    Discounts

    Vendors
    50+

    Click to view


  • HBL Gold Fuel Saver Card

    HBL Gold Fuel Saver Card

    3.25 %
    2.00 %
    PKR 6,000

    Benefits

    • Instant cashback on the purchase of fuel
    • Subsidized insurance coverage

    Be Aware of

    • The highest cash back limit is capped at PKR 2,000 a month. You have to spend PKR 40,000 per month to qualify for this amount
    • Annual fee is charged on a monthly basis

    Rates

    Monthly APR
    3.25 %

    39% per annum

    Cash Advance
    3.25 %

    39% per annum

    Monthly BTF Rate
    2.00 %

    24% per annum


    Annual Fees

    Annual Fee
    PKR 6,000

    PKR 500 per month

    Supplementary Card Fees
    PKR 3,000

    PKR 250 per month

    Chip Maintenance Fee
    PKR 0

    Not indicated


    Other Fees

    Cash Advance Fee
    PKR 750

    or 3% of amount withdrawn (whichever is higher)

    Foreign transaction Fee
    3.00 %

    of transaction amount

    Late Payment Fee
    PKR 1,250
    Overlimit Fee
    PKR 1,250

    Interest Free Period

    Not indicated

    SMS Alert Fee

    PKR 100 per month

    BTF Fees

    Processing Fee
    PKR 500

    or 3% of the transferred amount (whichever is higher)


    Local Spend

    Cash Back
    5.00 %

    Only applicable on the purchase of fuel

    Reward Point
    -
    Airmiles
    -

    International Spend

    Int. Cash Back
    -
    Int. Reward Point
    -
    Int. Airmiles
    -

    Grocery Spend

    Cash Back
    -
    Reward Point
    -
    Airmiles
    -

    Fuel Spend

    Cash Back
    5.00 %

    Capped at PKR 2,000 a month

    Reward Point
    -
    Airmiles
    -

    Minimum Monthly Income

    Salaried
    Not indicated
    Self Employed
    Not indicated

    Minimum Age

    Salaried
    21 Years
    Self Employed
    21 Years

    Salaried Individual

    Bank Statement
    Not indicated
    CNIC
    Not indicated
    Salary Slip
    Not indicated

    Self Employed Professional

    Bank Statement
    Not indicated
    CNIC
    Not indicated
    Proof of Business
    Not indicated

    Sole Proprietor

    Bank Statement
    Not Indicated
    CNIC
    Not Indicated
    Proof Of Business
    Not Indicated

    Partnership

    Bank Statement
    Not Indicated
    CNIC
    Not Indicated
    Proof Of Business
    Not Indicated

    Private Limited

    Bank Statement
    Not Indicated
    CNIC
    Not Indicated
    Proof Of Business
    Not Indicated

    Global Travel Assistance

    Benefits
    Not offered
    Assistance
    Not offered
    Other
    Not offered

    Travel Insurance

    Subsidized Travel Insurance
    Not offered
    Complimentary Travel Insurance
    Not offered
    Other Insurance Benefits
    Subsidized insurance plans

    Credit Shelter


    Lounge Access

    Domestic Lounge Access
    Not offered
    International Lounge Access
    Not offered
    Other Travel Benefits
    Not offered

    Priority Pass

    Joining Fee
    PKR 0
    Usage Fee
    PKR 0
    Other Fee
    PKR 0

    Salient Benefits

    1
    Cashback on fuel
    2
    Subsidized insurance coverage
    3
    Not indicated

    Discounts

    Vendors
    0

  • HBL Green Fuel Saver Card

    HBL Green Fuel Saver Card

    3.25 %
    2.00 %
    PKR 3,000

    Benefits

    • Instant cashback on the purchase of fuel
    • Subsidized insurance coverage

    Be Aware of

    • The cashback limit is capped at PKR 1,000. You have to spend a maximum of PKR 33,300
    • Annual fee is charged over the course of the year on a monthly basis

    Rates

    Monthly APR
    3.25 %

    39% per annum

    Cash Advance
    3.25 %

    39% per annum

    Monthly BTF Rate
    2.00 %

    24% per annum


    Annual Fees

    Annual Fee
    PKR 3,000

    PKR 250 per month 

    Supplementary Card Fees
    PKR 1,500

    PKR 125 per month 

    Chip Maintenance Fee
    PKR 0

    Not indicated


    Other Fees

    Cash Advance Fee
    PKR 750

    or 3% of amount withdrawn  (whichever is higher)

    Foreign transaction Fee
    3.00 %

    of transaction amount

    Late Payment Fee
    PKR 1,250


    Overlimit Fee
    PKR 1,250



    Interest Free Period

    Not indicated

    SMS Alert Fee

    PKR 100 per month

    BTF Fees

    Processing Fee
    PKR 500

    or 3% of the transferred amount (whichever is higher)


    Local Spend

    Cash Back
    3 %

    Only applicable on the purchase of fuel

    Reward Point
    -
    Airmiles
    -

    International Spend

    Int. Cash Back
    -
    Int. Reward Point
    -
    Int. Airmiles
    -

    Grocery Spend

    Cash Back
    -
    Reward Point
    -
    Airmiles
    -

    Fuel Spend

    Cash Back
    3 %

    Capped at PKR 1,000 a month

    Reward Point
    -
    Airmiles
    -

    Minimum Monthly Income

    Salaried
    Not indicated
    Self Employed
    Not indicated

    Minimum Age

    Salaried
    21 Years


    Self Employed
    21 Years



    Salaried Individual

    Bank Statement
    Not indicated
    CNIC
    Not indicated
    Salary Slip
    Not indicated

    Self Employed Professional

    Bank Statement
    Not indicated
    CNIC
    Not indicated
    Proof of Business
    Not indicated

    Sole Proprietor

    Bank Statement
    Not Indicated
    CNIC
    Not Indicated
    Proof Of Business
    Not Indicated

    Partnership

    Bank Statement
    Not Indicated
    CNIC
    Not Indicated
    Proof Of Business
    Not Indicated

    Private Limited

    Bank Statement
    Not Indicated
    CNIC
    Not Indicated
    Proof Of Business
    Not Indicated

    Global Travel Assistance

    Benefits
    Not offered
    Assistance
    Not offered
    Other
    Not offered

    Travel Insurance

    Subsidized Travel Insurance
    Not offered
    Complimentary Travel Insurance
    Not offered
    Other Insurance Benefits
    Subsidized insurance plans

    Credit Shelter


    Lounge Access

    Domestic Lounge Access
    Not offered
    International Lounge Access
    Not offered
    Other Travel Benefits
    Not offered

    Priority Pass

    Joining Fee
    PKR 0
    Usage Fee
    PKR 0
    Other Fee
    PKR 0

    Salient Benefits

    1
    Cashback on fuel
    2
    Subsidized insurance coverage
    3
    Not indicated



    Discounts

    Vendors
    0

  • HBL Gold Visa Card

    HBL Gold Visa Card

    3.25 %
    2.00 %
    PKR 6,000

    Benefits

    • An attractive reward program
    • Airport CIP Lounge access

    Be Aware of

    • Airport CIP Lounge access is limited only to Karachi

    Rates

    Monthly APR
    3.25 %

    39% per annum

    Cash Advance
    3.25 %

    39% per annum

    Monthly BTF Rate
    2.00 %

    24% per annum


    Annual Fees

    Annual Fee
    PKR 6,000
    Supplementary Card Fees
    PKR 3,000
    Chip Maintenance Fee
    PKR 0

    Not indicated


    Other Fees

    Cash Advance Fee
    PKR 750

    or 3% of amount withdrawn (whichever is higher)

    Foreign transaction Fee
    3.00 %

    of transaction amount

    Late Payment Fee
    PKR 1,250
    Overlimit Fee
    PKR 1,250

    Interest Free Period

    Not indicated

    SMS Alert Fee

    PKR 100

    per month


    BTF Fees

    Processing Fee
    PKR 500

    or 3% of the transferred amount  (whichever is higher)


    Local Spend

    Cash Back
    -
    Reward Point
    1/PKR 25 spend

    1 reward point = 25 paisas

    Airmiles
    -

    International Spend

    Int. Cash Back
    -
    Int. Reward Point
    1/PKR 25 spend

    1 reward point = 25 paisas

    Int. Airmiles
    -

    Grocery Spend

    Cash Back
    -
    Reward Point
    PKR 1/PKR 25 spend

    1 reward point = 25 paisas

    Airmiles
    -

    Fuel Spend

    Cash Back
    -
    Reward Point
    PKR 1/PKR 25 spend

    1 reward point = 25 paisas

    Airmiles
    -

    Minimum Monthly Income

    Salaried
    Not indicated
    Self Employed
    Not indicated

    Minimum Age

    Salaried
    21 Years
    Self Employed
    21 Years

    Salaried Individual

    Bank Statement
    Not indicated
    CNIC
    Not indicated
    Salary Slip
    Not indicated

    Self Employed Professional

    Bank Statement
    Not indicated
    CNIC
    Not indicated
    Proof of Business
    Not indicated

    Sole Proprietor

    Bank Statement
    Not Indicated
    CNIC
    Not Indicated
    Proof Of Business
    Not Indicated

    Partnership

    Bank Statement
    Not Indicated
    CNIC
    Not Indicated
    Proof Of Business
    Not Indicated

    Private Limited

    Bank Statement
    Not Indicated
    CNIC
    Not Indicated
    Proof Of Business
    Not Indicated

    Global Travel Assistance

    Benefits
    Not offered
    Assistance
    Not offered
    Other
    Not offered

    Travel Insurance

    Subsidized Travel Insurance
    Not offered
    Complimentary Travel Insurance
    Not offered
    Other Insurance Benefits
    Subsidized Insurance Plans

    Credit Shield


    Lounge Access

    Domestic Lounge Access
    KHI International Airport: CIP Lounge Access
    International Lounge Access
    Not offered
    Other Travel Benefits
    Not offered

    Priority Pass

    Joining Fee
    PKR 0
    Usage Fee
    PKR 0
    Other Fee
    PKR 0

    Salient Benefits

    1
    Complimentary access to KHI International Airport CIP Lounge
    2
    An attractive reward program
    3
    Not indicated

    Discounts

    Vendors
    0

  • HBL Green Visa Card

    HBL Green Visa Card

    3.25 %
    2.00 %
    PKR 3,000

    Benefits

    • An attractive reward program

    Be Aware of

    • SMS services are charged

    Rates

    Monthly APR
    3.25 %

    39% per annum

    Cash Advance
    3.25 %

    39% per annum

    Monthly BTF Rate
    2.00 %

    24% per anum


    Annual Fees

    Annual Fee
    PKR 3,000
    Supplementary Card Fees
    PKR 1,500
    Chip Maintenance Fee
    PKR 0

    Not indicated


    Other Fees

    Cash Advance Fee
    PKR 750

    or 3% of amount withdrawn (whichever is higher)

    Foreign transaction Fee
    3.00 %

    on transaction amount

    Late Payment Fee
    PKR 1,250
    Overlimit Fee
    PKR 1,250

    Interest Free Period

    Not indicated

    SMS Alert Fee

    PKR 100 per month

    BTF Fees

    Processing Fee
    PKR 500

    or 3% of the transferred amount  (whichever is higher)


    Local Spend

    Cash Back
    -
    Reward Point
    1/PKR 25 spend

      1 reward point = 28 paisas

    Airmiles
    -

    International Spend

    Int. Cash Back
    -
    Int. Reward Point
    1/PKR 25 spend

      1 reward point = 28 paisas

    Int. Airmiles
    -

    Grocery Spend

    Cash Back
    -
    Reward Point
    1/PKR 25 spend

      1 reward point = 28 paisas

    Airmiles
    -

    Fuel Spend

    Cash Back
    -
    Reward Point
    1/PKR 25 spend

     1 reward point = 28 paisas

    Airmiles
    -

    Minimum Monthly Income

    Salaried
    Not indicated
    Self Employed
    Not indicated

    Minimum Age

    Salaried
    21 Years
    Self Employed
    21 Years

    Salaried Individual

    Bank Statement
    Not indicated
    CNIC
    Not indicated
    Salary Slip
    Not indicated

    Self Employed Professional

    Bank Statement
    Not indicated
    CNIC
    Not indicated
    Proof of Business
    Not indicated

    Sole Proprietor

    Bank Statement
    Not Indicated
    CNIC
    Not Indicated
    Proof Of Business
    Not Indicated

    Partnership

    Bank Statement
    Not Indicated
    CNIC
    Not Indicated
    Proof Of Business
    Not Indicated

    Private Limited

    Bank Statement
    Not Indicated
    CNIC
    Not Indicated
    Proof Of Business
    Not Indicated

    Global Travel Assistance

    Benefits
    Not offered
    Assistance
    Not offered
    Other
    Not offered

    Travel Insurance

    Subsidized Travel Insurance
    Not offered
    Complimentary Travel Insurance
    Not offered
    Other Insurance Benefits
    Subsidized Insurance Plans

    Credit Shield


    Lounge Access

    Domestic Lounge Access
    Not offered
    International Lounge Access
    Not offered
    Other Travel Benefits
    Not offered

    Priority Pass

    Joining Fee
    PKR 0
    Usage Fee
    PKR 0
    Other Fee
    PKR 0

    Salient Benefits

    1
    An attractive reward program
    2
    Subsidized Insurance Plans
    3
    Not indicated

    Discounts

    Vendors
    0

  • UBL Platinum Visa Card

    UBL Platinum Visa Card

    3.33 %
    2.00 %
    PKR 6,000

    Benefits

    • Up to 8 complimentary visits a month to Shapes Health Club in Karachi, Lahore and Multan
    • Discounts at 55 leading merchants across Pakistan
    • Complimentary Priority Pass

    Be Aware of

    • USD 35 is charged per visit  to an airport lounge using the Priority Pass
    • PKR 1,200 (+FED) is charged for excess visits at Shapes Health Club
    • Airmiles can only be redeemed against purchase of airline ticket

    Rates

    Monthly APR
    3.33 %

    39.9% per annum

    Cash Advance
    3.33 %

    39.9% per annum

    Monthly BTF Rate
    2.00 %

    24% per annum


    Annual Fees

    Annual Fee
    PKR 6,000

    Waived upon minimum spend of PKR 300,000 within 6 months of fee being applied

    Supplementary Card Fees
    PKR 2,000
    Chip Maintenance Fee
    PKR 1,000

    Other Fees

    Cash Advance Fee
    PKR 750

    or 3% of amount withdrawn (whichever is higher)

    Foreign transaction Fee
    3 %

    of transaction amount

    Late Payment Fee
    PKR 1,250
    Overlimit Fee
    PKR 1,200

    Interest Free Period

    50 days

    SMS Alert Fee

    PKR 50 per month

    BTF Fees

    Processing Fee
    3.7 %

    This is applicable for 0% mark up program:

    • 3.7% for 3 Months
    • 7.5% for 6 Months
    • 11.2% for 9 Months
    • 15% for 12 Months

     


    Local Spend

    Cash Back
    -
    Reward Point
    -
    Airmiles
    1/PKR 50 spend

    1 airmile = PKR 50 spend


    International Spend

    Int. Cash Back
    -
    Int. Reward Point
    -
    Int. Airmiles
    3/PKR 50 spend

    3 airmiles = PKR 50 spend (or equivalent)


    Grocery Spend

    Cash Back
    -
    Reward Point
    -
    Airmiles
    1/PKR 50 spend

    1 airmile = PKR 50 spend


    Fuel Spend

    Cash Back
    -
    Reward Point
    -
    Airmiles
    1/PKR 50 spend

    1 airmile = PKR 50 spend


    Minimum Monthly Income

    Salaried
    PKR 100,000
    Self Employed
    PKR 200,000

    Minimum Age

    Salaried
    21 Years
    Self Employed
    21 Years

    Salaried Individual

    CNIC
    Required

    verified copy of valid CNIC

    Salary Slip
    Required

    Verified copy of salary slip 


    Self Employed Professional

    Bank Statement
    Required months

    12 months bank statement of business account and personal account

    CNIC
    Required

    verified copy of valid CNIC

    Proof of Business
    Required
    • Bank certificate stating length of the releationship 

     


    Sole Proprietor

    Bank Statement
    Required

    12 months bank statement of business account and personal account 

    CNIC
    Required

    verified copy of valid CNIC

    Proof Of Business
    Required
    • Bank certificate stating length of the relationship

    Partnership

    Bank Statement
    Required

    12 months bank statement of business account and personal account 

    CNIC
    Required

    verified copy of valid CNIC

    Proof Of Business
    Required
    • Registered partnership deed
    • Unregistered partnership deed accompanied with bank certificate stating legnth of relationship

    Private Limited

    Bank Statement
    Required

    12 months bank statement of business account and personal account 

    CNIC
    Required

    verified copy of valid CNIC

    Proof Of Business
    Required
    • Memorandum and Articles of Association
    • Form 29 
    • Form A
    • Verified tax return

    Global Travel Assistance

    Benefits
    Discounts by Visa

    Discounts by Visa International at Hotels, Golf Clubs, etc

    Assistance
    USD 35

    USD 35 per request - Lost & Stolen Card

    USD 250 per request  - Visa Emergency Card Replacement

    Other
    USD 175

    USD 175 per request - Emergency Cash Disbursement


    Travel Insurance

    Subsidized Travel Insurance
    Not offered

     

    Complimentary Travel Insurance
    Not offered

     

    Other Insurance Benefits
    Not offered

     


    Lounge Access

    Domestic Lounge Access
    Domestic lounges access

    KHI International Airport: UBL Lounce

    LHR International Airport: CIP Lounge

    ISL International Airport: CIP Lounge 

    International Lounge Access
    Priority pass

    Access offered through Priority Pass

    Other Travel Benefits
    Not offered

    Priority Pass

    Joining Fee
    Complimentary Priority Pass

    Complimentary Priority Pass upon card activation

    Usage Fee
    USD 35

    per card holder + accompanying guest

    Other Fee
    Not indicated

    Salient Benefits

    1
    8 visits a month at Shapes

    Health Club in Karachi, Lahore and Multan 

    2
    Free valet parking

    at Dolmen Mall Karachi

    3
    Attractive airmile program

    Discounts

    Vendors
    75+

    Click to View



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