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We've Found 19 Best Offers For You!

Discount deals on credit cards are fantastic way to get more value for your spends! Qualify for discounts at your favorite stores and restaurants. Discount credit cards are useful for those who are always on a look out for the best deals. The right discount alliance on your cards has the power to deliver the best deals in town.
  • Monthly APR
    Monthly BTF Rate
    Annual Fee
  • JS Bank Classic Credit Card

    JS Bank Classic Credit Card

    3.5 %
    2.00 %
    PKR 0

    Benefits

    • Withdraw up to 75% of credit limit 
    • Low service charges
    • Complimentary SMS alerts

    Be Aware of

    • This card has two different APR charges. One is for employee banking clients and other is for non-employee banking clients.

    Rates

    Monthly APR
    3.5 %

    46% per annum

    Cash Advance
    3.33 % per month

    39.96% per annum

    Monthly BTF Rate
    2.00 %

    24% per annum


    Annual Fees

    Annual Fee
    PKR 0
    Supplementary Card Fees
    PKR 1,392
    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 35,000
    Self Employed
    PKR 70,000

    Minimum Age

    Salaried
    30 Years

    and Maximum age is 65 years

    Self Employed
    30 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+

  • JS Bank Gold Credit Card

    JS Bank Gold Credit Card

    3.50 %
    2.00 %
    PKR 0

    Benefits

    • Withdraw up to 75% of credit limit 
    • Low service charges
    • Complimentary SMS alerts

    Be Aware of

    • This card has two different APR charges. One is for employee banking clients and other is for non-employee banking clients.

    Rates

    Monthly APR
    3.50 %

    36% per annum

    Cash Advance
    3.33 % per month

    39.96% per annum

    Monthly BTF Rate
    2.00 %

    24% per annum


    Annual Fees

    Annual Fee
    PKR 0
    Supplementary Card Fees
    PKR 2320
    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
    30 Years
    Self Employed
    30 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 Platinum Credit Card

    JS Bank Platinum Credit Card

    3.50 %
    2.00 %
    PKR 0

    Benefits

    • Withdraw up to 75% of credit limit
    • Low service charges
    • Complimentary SMS alerts

    Be Aware of

    • This card has two different APR charges. One is for employee banking clients and other is for non-employee banking clients.

    Rates

    Monthly APR
    3.50 %

    36% per annum

    Cash Advance
    3.33 % per month

    39.96% per annum

    Monthly BTF Rate
    2.00 %

    24% per annum


    Annual Fees

    Annual Fee
    PKR 0
    Supplementary Card Fees
    PKR 4060
    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
    30 Years

    and Maximum age is 65 years

    Self Employed
    30 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+

  • 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+

  • 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 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 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+

  • 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+

  • Silk Bank Gold Credit Card

    Silk Bank Gold Credit Card

    3.50 %
    2.75 %
    NIL

    Benefits

    • Earn Cash Back of upto 0.5% on retail transactions
    • Discount offers at over 150+ 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
    3.50 %

    42% per annum

    Cash Advance
    3.50 %

    42% 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 1,000 Reversible

    Rs. 1,000/- (Basic), Rs. 500/- (Supplementary)
    For fee reversal, spend Rs. 10,000/- 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 2,000

    10% of the minimum due amount or Rs. 2,000/-, whichever is higher

    Overlimit Fee
    PKR 2,000

    Interest Free Period

    Not indicated

    SMS Alert Fee

    PKR 125 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
    0.25 %

    0.25% cashback on International & local retail transactions

    Reward Point
    -
    Airmiles
    -

    International Spend

    Int. Cash Back
    0.25 %

    0.25% cashback on International & local retail transactions

    Int. Reward Point
    -
    Int. Airmiles
    -

    Grocery Spend

    Cash Back
    0.25 %

    0.25% cashback on International & local retail transactions

    Reward Point
    -
    Airmiles
    -

    Fuel Spend

    Cash Back
    0.25

    0.25% 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
    No Joining Fee
    Usage Fee
    PKR 35

    for the cardholder & each accompanying guest

    Other Fee
    PKR 2,000

    Renewal fee


    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
    150+


    Discount offers at over 150+ leading merchants in Pakistan on categories of Lifestyles and Dining


  • Silk Bank Platinum Credit Card

    Silk Bank Platinum Credit Card

    3.50 %
    2.75 %
    NIL

    Benefits

    • Earn Cash Back of upto 0.5% on retail transactions
    • Discount offers at over 150+ 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
    3.50 %

    42% per annum

    Cash Advance
    3.50 %

    42% 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 2,000 Reversible

    Rs. 2,000/- (Basic), Rs. 1,000/- (Supplementary)
    For fee reversal, spend Rs. 15,000/- 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 2,000

    10% of the minimum due amount or Rs.2,000  whichever is higher

    Overlimit Fee
    PKR 2,000

    Interest Free Period

    Not indicated

    SMS Alert Fee

    PKR 125 per month


    SMS alerts including transactions (retail/cash advance) alerts, statement alerts, payment reminders and birthday alerts.
     


    BTF Fees

    Processing Fee

    Local Spend

    Cash Back
    0.25 %


    0.25% cashback on local retail transactions

    Reward Point
    -
    Airmiles
    -

    International Spend

    Int. Cash Back
    0.5 %

    0.5% cashback on International retail transactions
     

    Int. Reward Point
    -
    Int. Airmiles
    -

    Grocery Spend

    Cash Back

    0.5% cashback on International retail transactions
    0.25% cashback on local retail transactions

    Reward Point
    -
    Airmiles
    -

    Fuel Spend

    Cash Back

    0.5% cashback on International retail transactions
    0.25% 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
    Complimentary
    Usage Fee
    USD 35 per visit

    for the cardholder & each accompanying guest

    Other Fee
    PKR 2,000

    Renewal fee


    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
    150+


    Discount offers at over 150+ leading merchants in Pakistan on categories of Lifestyles and Dining


  • 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 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 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 MasterCard Cash Back Card

    SCB MasterCard Cash Back Card

    3.50 %
    3.50 %
    PKR 3,000

    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 Visa Gold Card

    SCB Visa Gold Card

    3.50 %
    3.50 %
    PKR 5,000

    Benefits

    • Earn rewards while you spend
    • Complimentary travel accident cover
    • Complimentary travel inconvenience cover

    Be Aware of

    • Travel accident and inconvenience coverage is only applicable if you have paid for the airline tickets through the card

    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 transaction amount (whichever is higher)


    Local Spend

    Cash Back
    -
    Reward Point
    1/PKR 50 spend

    1 reward point = PKR 50 spend

    Airmiles
    -

    International Spend

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

    Grocery Spend

    Cash Back
    -
    Reward Point
    1/PKR 50 spend

    1 reward point = PKR 50 spend

    Airmiles
    -

    Fuel Spend

    Cash Back
    -
    Reward Point
    1/PKR 50 spend

    1 reward point = PKR 50 spend

    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
    Not offered
    Assistance
    Not offered
    Other
    Not offered

    Travel Insurance

    Subsidized Travel Insurance
    Not offered
    Complimentary Travel Insurance
    PKR 7,000,000

    Coverage up to PKR 7 million (Travel Accident Insurance)

    Travel inconvenience coverage up to PKR 10 thousand for flight and baggage delays. PKR 20 thousand coverage for baggage loss

    Other Insurance Benefits
    Complimentary credit cover

    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
    Attractive complimentary travel insurance and credit cover
    2
    An attractive reward program
    3
    Not indicated

    Discounts

    Vendors
    100+

    CLICK HERE


  • SCB Easy Card

    SCB Easy Card

    3.00 %
    2.00 %
    PKR 2,500

    Benefits

    • Withdraw up to 75% of credit limit with no cash advance fee
    • Lowest service charge
    • Book Instalment plans and pay back in equal monthly installments

    Be Aware of

    • This card has two different APR charges. One is for employee banking clients and other is for non-employee banking clients.

    Rates

    Monthly APR
    3.00 %

    36% per annum for Non-EB

    1.5%
    18% per annum for Non-EB

    Cash Advance
    None
    Monthly BTF Rate
    2.00 %

    24% per annum


    Annual Fees

    Annual Fee
    PKR 2,500

    PKR 2,500/- for credit limit less than PKR 150,000/-

    PKR 4,000/- for credit limit more than PKR 150,000/-

    Supplementary Card Fees
    PKR 500
    Chip Maintenance Fee
    PKR 0

    Other Fees

    Cash Advance Fee
    PKR 0
    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 transaction amount (whichever is higher)


    Local Spend

    Cash Back
    -
    Reward Point
    -
    Airmiles
    -

    International Spend

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

    Grocery Spend

    Cash Back
    -
    Reward Point
    -
    Airmiles
    -

    Fuel Spend

    Cash Back
    -
    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
    No
    International Lounge Access
    No
    Other Travel Benefits
    Travel Accident cover

    Priority Pass

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

    Salient Benefits

    1
    Withdraw upto 75% in cash advance
    2
    Not offered
    3
    Not offered

    Discounts

    Vendors
    100+

    CLICK HERE


  • SCB Saadiq Gold Card

    SCB Saadiq Gold Card

    PKR 3,000
    N/a
    PKR 4,000

    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)
    • 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
    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



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Love Those Discount Deals? Find The Card With The Most Offers

Who doesn't love a discount when they are dining at their favorite restaurant or shopping at a popular store. Whether you are someone who loves shopping, dining, or relaxing; it is important to have a card that aligns itself to your preferences.  Since this can be an important factor in determining the card you select, we have created a data base of cards with the hottest discounts.

 

Absolutely! Availing a discount offered on your card does not in any way prevent you from the other benefits such as reward points, air miles, cash back.

Every discount offered by the card issuer comes with its own validity and conditions. Discounts can be as short as one day to as long as 1 year or longer.  It is important to read through the card collateral to stay on top of the information regarding deals and discounts.  Usually banks will offer ample notification through the monthly statements sent to you to keep you updated about developments regarding their deals and discounts.

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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