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We've Found 8 Best Offers For You!

Take a look at the reward point credit cards we have put together for you. These cards help you earn reward points as you spend. Reward point cards are great for people who really like getting their money's worth.
  • Monthly APR
    Annual Fee
    Reward Point
  • SCB World Miles Card

    SCB World Miles Card

    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    or 3% of the withdrawn amount (whichever is higher)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 %
    PKR 8,000
    5/PKR 200 spend

    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 Visa Gold Card

    SCB Visa Gold Card

    3.50 %
    PKR 5,000
    1/PKR 50 spend

    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


  • Alfalah Classic Credit Card

    Alfalah Classic Credit Card

    3.33 %
    PKR 0
    1 Orbit point/PKR 200 spend

    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 %
    PKR 0
    1 Orbit point/PKR 200 spend

    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 %
    PKR 0
    1 Orbit point/PKR 200 spend

    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 %
    PKR 0
    1 Orbit point/PKR 200 spend

    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 %
    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+


Karlocompare.com.pk ("we") is a free and independent comparison website. We are not responsible or liable for any inaccuracies on this website. In the event, there is a discrepancy in the information provided by Karlocompare.com.pk and the information provided by the provider, bank, card issuer, loan provider, insurance company, takaful or telecommunication service provider ("partner institution"), the information provided by the partner institution shall prevail. Please read our Terms and Conditions, Privacy Policy for further information.



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Like Collecting Reward Points?

Reward points can be exciting. We know earning reward points to get the latest television, fancy wrist watch, or dinner voucher is a good feeling. After all who doesn't appreciate a freebie?  We know this can be an important factor when deciding which card to apply for, that's why we have this list. You don't have to visit the providers website anymore, find all your deals in one place

Generally speaking the card issuer will have a reward program that tells you how many points you need to redeem against pre selected gifts and prizes. Once you have selected the reward of choice you simply fill in a form, or call the contact center of the bank to process your request.

Simply put reward points are a reward for spending on your card. So if you are a person who likes to you use plastic to pay for your transactions having reward points can yield many benefits. You can collect these reward points and redeem them at a later date for exciting gifts, prizes or 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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