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Standard Chartered Bank Ltd
Standard Chartered Bank Pakistan Ltd is the largest and oldest multinational bank in Pakistan. Standard Chartered Bank offers holistic financial services such as credit cards, personal loans, mortgages, deposits and wealth management services. Standard Chartered Bank was assigned a rating of AAA / A1+ by PACRA.
  • Monthly APR
    Annual Fee
    Cash Back
  • SCB Titanium MasterCard

    SCB Titanium MasterCard

    3.50 %
    PKR 5,000
    5 %

    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 MasterCard Cash Back Card

    SCB MasterCard Cash Back Card

    3.50 %
    PKR 3,000
    5 %

    Benefits

    • Get cashback up to 5% on fuel, groceries and electronic appliances
    • Withdraw up to 30% as cash advance

    Be Aware of

    • Cashback is capped at PKR 10,000 spend per month

    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 3,000
    Supplementary Card Fees
    PKR 1,000
    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
    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 statement required

    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 statement required

    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 statement required

    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 statement required

    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
    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
    Instant cash back

    Receive instant cashback on transaction up to PKR 10,000 (applicable on fuel, grocery and electronic appliances)

    2
    Not indicated
    3
    Not indicated

    Discounts

    Vendors
    100+

    CLICK HERE


  • SCB Saadiq Gold Card

    SCB Saadiq Gold Card

    PKR 3,000
    PKR 4,000
    1000 per month

    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)
    • Discounts at leading restaurtants and retail outlets in Pakistan & Dubai

    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 3,000

    No Interest. A fixed monthly fee of PKR 3,000 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 4,000
    Supplementary Card Fees
    PKR 2,000
    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

    PKR 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
    1000 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
    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 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
    Discounts at leading restaurants and retail outlets in Dubai
    Assistance
    N/a
    Other
    N/a

    Travel Insurance

    Subsidized Travel Insurance
    N/a
    Complimentary Travel Insurance
    N/a
    Other Insurance Benefits
    N/a

    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
    Shariah Compliant card
    2
    An attractive cashback program
    3
    Not indicated

    Discounts

    Vendors
    60+

    CLICK HERE


  • SCB Saadiq Platinum Card

    SCB Saadiq Platinum Card

    PKR 9,000
    PKR 5,000
    1,000 per month

    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



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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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