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Silk Bank
On March 31, 2008, a Consortium comprising of IFC, Bank Muscat, Nomura International and Sinthos Capital led by senior bankers Mr. Shaukat Tarin and Mr. Sadeq Sayeed acquired 86.55% stake in Silkbank for around $213 million. Silkbank currently offer credit cards, personal loans and running finance facility.


Silk Bank Credit Card


Silk bank opens up great credit card deals for the people of Pakistan while providing a one stop solution for all your financial needs. Get a quote now!



Silk Bank Credit Card Offers


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Silk Bank Credit Card Online


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Silk Bank Air Miles Credit Card


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  • Monthly APR
    Annual Fee
    Cash Back
  • Silk Bank Gold Credit Card

    Silk Bank Gold Credit Card

    3.33 %
    Nil
    0.50 %

    Benefits

    • Earn Cash Back of upto 0.50% on retail transactions
    • Discount offers at over 180+ leading merchants in Pakistanon categories of Lifestyles/Dining and International Discounts in conjunction with Visa
    • Personalize your Silkbank Credit Card with an image of your choice
    • Equal Monthly Installment Plans (PO, BT, Alliances & Retail Outstanding) with tenor ranging from 3 - 60 months. Avail up to 50% of credit limit in form of installment plan

    Be Aware of

    • Now transfer your current credit card balance to your Silkbank Credit Card - at ZERO% Mark-up for 12 months.  Only on Cards applied under 0% APR category
    • Silkbank Credit Cards now powered by Verified by VISA (VBV) provide you with an extra layer of security when you conduct online transactions
    • Free Credit up to 51 days
    • EMV Chip Technology

    Rates

    Monthly APR
    3.33 %

    39.99% per annum

    Cash Advance
    3.50 %

    41.99% per annum

    Monthly BTF Rate
    2.75 %

    33% per annum


    Annual Fees

    Annual Fee
    Nil
    • Currently no fee is being charged. The bank may charge this fee in the future. However, customers will be informed prior to levy of this fee.
    Supplementary Card Fees
    Nil
    • Currently no fee is being charged. The bank may charge this fee in the future. However, customers will be informed prior to levy of this fee.
    Chip Maintenance Fee
    PKR 1,250 Reversible
    • Rs. 1,250/- (Basic),
    • Rs. 625/- (Supplementary),
    • For fee reversal, spend Rs. 15,000/- in 60 days from statement billing date

    Other Fees

    Cash Advance Fee
    PKR 1,000

    or 3% of withdrawal amount (whichever is higher)

    Foreign transaction Fee
    4 %

    of the transaction amount

    Late Payment Fee
    PKR 1,500

    10% of the minimum due amount or Rs. 1,500/-, whichever is higher

    Overlimit Fee
    PKR 1,500

    Interest Free Period

    Not indicated

    SMS Alert Fee

    PKR 100 per month
    • PKR 100 per month,
    • SMS & E-Alerts facility covers transaction alerts on both SMS & E mail.
    • SMS alerts including transactions (retail/cash advance) alerts, statement alerts, payment reminders and birthday alerts.

    BTF Fees

    Processing Fee

    Local Spend

    Cash Back
    0.50 %

    cashback on International & local retail transactions

    Reward Point
    -
    Airmiles
    -

    International Spend

    Int. Cash Back
    0.50 %

    cashback on International & local retail transactions

    Int. Reward Point
    -
    Int. Airmiles
    -

    Grocery Spend

    Cash Back
    0.50 %

    cashback on International & local retail transactions

    Reward Point
    -
    Airmiles
    -

    Fuel Spend

    Cash Back
    0.50 %

    cashback on International & local retail transactions

    Reward Point
    -
    Airmiles
    -

    Minimum Monthly Income

    Salaried
    45,000
    Self Employed
    PKR 300,000

    Minimum Age

    Salaried
    21 Years
    Self Employed
    21 Years

    Salaried Individual

    Bank Statement

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

    CNIC
    Required

    verified copy

    Salary Slip
    Required

    verified copy

     


    Self Employed Professional

    Bank Statement
    Required

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

    CNIC
    Required

    verified copy

    Proof of Business
    Required
    • Letter of Proprietorship
    • NTN or any Tax Documents to ascertain the length of employment
    • Professional Degree
    • Partnership Deed or another documents confirming the length & existence of partnership
    • AOP Certificate

    Sole Proprietor

    Bank Statement
    Required

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

    CNIC
    Required

    verified copy

    Proof Of Business
    Required
    • Letter of Proprietorship
    • NTN or any Tax Documents to ascertain the length of employment
    • Professional Degree
    • Partnership Deed or another documents confirming the length & existence of partnership
    • AOP Certificate

    Partnership

    Bank Statement
    Required

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

    CNIC
    Required

    verified copy

    Proof Of Business
    Required
    • Letter of Proprietorship
    • NTN or any Tax Documents to ascertain the length of employment
    • Professional Degree
    • Partnership Deed or another documents confirming the length & existence of partnership
    • AOP Certificate

    Private Limited

    Bank Statement
    Required

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

    CNIC
    Required

    verified copy

    Proof Of Business
    Required
    • Letter of Proprietorship
    • NTN or any Tax Documents to ascertain the length of employment
    • Professional Degree
    • Partnership Deed or another documents confirming the length & existence of partnership
    • AOP Certificate

    Global Travel Assistance

    Benefits
    Offered

    Visa Global offers
    International Discount offers available on Silkbank Credit Cards in conjunction with VISA

    Assistance
    Offered
    Other
    Offered

    per request - Emergency cash disbursement


    Travel Insurance

    Subsidized Travel Insurance
    Not offered
    Complimentary Travel Insurance
    Not offered
    Other Insurance Benefits
    A variety of subsidized health & life coverage offers

    Lounge Access

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

    Priority Pass

    Joining Fee
    Not Offered
    Usage Fee
    PKR
    Other Fee
    PKR

    Salient Benefits

    1
    Design your own card

    Design my Card
    Personalize your Silkbank Credit Card with an image of your choice

    2
    Longest tenure of 0% APR for Balance transfers
    3
    Not indicated

    Discounts

    Vendors
    180+

    Discounts: 180+, Discount offers at over 180+ leading merchants in Pakistan on categories of Lifestyles and Dining


  • Silk Bank Platinum Credit Card

    Silk Bank Platinum Credit Card

    3.33 %
    NIL
    0.50 %

    Benefits

    • Earn Cash Back of upto 1.00% on retail transactions
    • Discount offers at over 180+ leading merchants in Pakistan on categories of Lifestyles/Dining and International Discounts in conjunction with Visa
    • Personalize your Silkbank Credit Card with an image of your choice
    • Equal Monthly Installment Plans (PO, BT, Alliances & Retail Outstanding) with tenor ranging from 3 - 60 months. Avail up to 50% of credit limit in form of installment plan

    Be Aware of

    • Now transfer your current credit card balance to your Silkbank Credit Card - at ZERO% Mark-up for 12 months.  Only on Cards applied under 0% APR category
    • Silkbank Credit Cards now powered by Verified by VISA (VBV) provide you with an extra layer of security when you conduct online transactions
    • Free Credit up to 51 days
    • EMV Chip Technology

    Rates

    Monthly APR
    3.33 %

    39.99% per annum

    Cash Advance
    3.50 %

    41.99% per annum

    Monthly BTF Rate
    2.75 %

    33% per annum


    Annual Fees

    Annual Fee
    NIL

    Currently no fee is being charged. The bank may charge this fee in the future. However, customers will be informed prior to levy of this fee.

    Supplementary Card Fees

    Currently no fee is being charged. The bank may charge this fee in the future. However, customers will be informed prior to levy of this fee.

    Chip Maintenance Fee
    PKR 2,500 Reversible
    • Rs. 2,500/- (Basic),
    • Rs. 1,250/- (Supplementary),
    • For fee reversal, spend Rs. 30,000/- in 60 days from statement billing date

    Other Fees

    Cash Advance Fee
    PKR 1,000

     3% of withdrawn amount (whichever is higher)

    Foreign transaction Fee
    4 %

    of the transaction amount

    Late Payment Fee
    PKR 1,500

    10% of the minimum due amount or Rs.1,500  whichever is higher

    Overlimit Fee
    PKR 1,500

    Interest Free Period

    Not indicated

    SMS Alert Fee

    PKR 100 per month

    SMS & E-Alerts facility covers transaction alerts on both SMS & E mail. SMS alerts including transactions (retail/cash advance) alerts, statement alerts, payment reminders and birthday alerts.


    BTF Fees

    Processing Fee

    Local Spend

    Cash Back
    0.50 %

    cashback on local retail transactions

    Reward Point
    -
    Airmiles
    -

    International Spend

    Int. Cash Back
    1.00 %

    cashback on International retail transactions

    Int. Reward Point
    -
    Int. Airmiles
    -

    Grocery Spend

    Cash Back

    1.00% cashback on International retail transactions
    0.50% cashback on local retail transactions

    Reward Point
    -
    Airmiles
    -

    Fuel Spend

    Cash Back

    1.00% cashback on International retail transactions
    0.50% cashback on local retail transactions

    Reward Point
    -
    Airmiles
    -

    Minimum Monthly Income

    Salaried
    PKR 45,000
    Self Employed
    PKR 300,000

    Minimum Age

    Salaried
    21 Years
    Self Employed
    21 Years

    Salaried Individual

    Bank Statement

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

    CNIC
    Required

    verified copy

    Salary Slip
    Required

    verified copy

     


    Self Employed Professional

    Bank Statement
    Required

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

    CNIC
    Required

    verified copy

    Proof of Business
    Required
    • Letter of Proprietorship
    • NTN or any Tax Documents to ascertain the length of employment
    • Professional Degree
    • Partnership Deed or another documents confirming the length & existence of partnership
    • AOP Certificate

    Sole Proprietor

    Bank Statement
    Required

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

    CNIC
    Required

    verified copy

    Proof Of Business
    Required
    • Letter of Proprietorship
    • NTN or any Tax Documents to ascertain the length of employment
    • Professional Degree
    • Partnership Deed or another documents confirming the length & existence of partnership
    • AOP Certificate

    Partnership

    Bank Statement
    Required

    12 months of business account

    CNIC
    Required

    verified copy

    Proof Of Business
    Required
    • Letter of Proprietorship
    • NTN or any Tax Documents to ascertain the length of employment
    • Professional Degree
    • Partnership Deed or another documents confirming the length & existence of partnership
    • AOP Certificate

    Private Limited

    Bank Statement
    Required

    12 months of business account

    CNIC
    Required

    verified copy

    Proof Of Business
    Required
    • Letter of Proprietorship
    • NTN or any Tax Documents to ascertain the length of employment
    • Professional Degree
    • Partnership Deed or another documents confirming the length & existence of partnership
    • AOP Certificate

    Global Travel Assistance

    Benefits
    Offered

    Visa Global offers
    International Discount offers available on Silkbank Credit Cards in conjunction with VISA

    Assistance
    Offered
    Other
    Offered

    per request - Emergency cash disbursement


    Travel Insurance

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

    A variety of subsidized health and life coverage offers


    Lounge Access

    Domestic Lounge Access
    offered

    CIP loung is offered to Platinum customer in KHI, LHR, ISB

    International Lounge Access
    offered
    Other Travel Benefits
    offered

    Priority Pass

    Joining Fee
    Not Offered
    Usage Fee
    USD Nil per visit
    Other Fee
    PKR Nil

    Salient Benefits

    1
    Design my Card


    Personalize your Silkbank Credit Card with an image of your choice

    2
    Joining fee for Priority pass is waived
    3

    Discounts

    Vendors
    180+

    Discounts: 180+, Discount offers at over 180+ leading merchants in Pakistan on categories of Lifestyles and Dining



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Get The Best Cash Back Credit Card in Pakistan

Do you love getting cash back? If so then credit cards that offer cash back as a loyalty are best for you. Cash back cards reward you with a certain percentage of what you spend. The bank's do this by crediting you with the cash back amount back on to your card, thus reducing your overall spend.

Every issuer will have their own respective policy. Some card providers will offer cash back on all transactions, some may offer it only at grocery shopping, others on fuel, and lastly others at certain stores.

Cash back's offered by the bank is mostly subject to terms and conditions. Cash back are mostly capped at a certain amount; this means there is a  maximum cash back limit a card holder can qualify for in a given month. For example if your card has a 5% cash back on a maximum spend of PKR 10,000 in a given month. You only qualify for PKR 500 in the form of cash back in the month you spend.

When you find the right credit card that matches your needs, you need to ensure that you meet the minimum criteria of the bank offering the card. Some of the general minimum criteria's of banks are as follows:

  • You must be a minimum age of 21 years for a primary card, and 18 years of age to qualify as a supplementary card holder
  • Have a valid national ID card (CNIC)
  • Have a stable stream of income, by virtue of being a salaried individual or self employed.
  • Have good credit standing and not be in default of any loan or credit facility from any financial institution.

All banks have their respective policies and procedures. Look at our more info section for the card of your choice to evaluate whether you meet the requirements of the card that you like.

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