Pakistan’s credit card market is evolving rapidly, offering a mix of lifestyle perks, cashback rewards, and Islamic finance options. Whether you are a frequent traveler, an online shopper, or someone seeking Shariah-compliant financing, there’s a card for everyone.
This comprehensive guide compares the Top 10 Credit Cards in Pakistan (2025), their features, fees, and exclusive discounts to help you make an informed choice.
1. Standard Chartered Mastercard World / Visa Platinum
Ideal for: Frequent travellers and corporate users.
Annual Fee: PKR 12,000–18,000
Markup Rate: ~42% p.a.
Key Features: – Earn 1 World Mile per PKR 40 spent. – Complimentary access to 1,000+ global lounges. – Up to 50% off dining and retail. – Free travel insurance.
Pros: Best for travel perks and elite lifestyle discounts.
Cons: High annual fee; limited cashback.
2. HBL Platinum Credit Card
Ideal for: Professionals and business-class travellers.
Annual Fee: PKR 10,000
Markup Rate: ~39% p.a.
Key Features: – 25% discount at 200+ restaurants. – Lounge access across Pakistan and abroad. – Reward points redeemable for travel vouchers.
Pros: Excellent merchant coverage; great for rewards.
Cons: Limited cashback options.
3. UBL Platinum Credit Card
Ideal for: International travellers.
Annual Fee: PKR 6,000
Markup Rate: ~38% p.a.
Key Features: – Accepted in 130+ countries. – Travel insurance and CIP lounge access. – Reward points on every PKR 25 spent.
Pros: Strong global acceptance.
Cons: Fewer domestic offers.
4. Bank Alfalah American Express & Ultra Cashback
Ideal for: Cashback seekers.
Annual Fee: PKR 5,000–10,000
Markup Rate: ~40% p.a.
Key Features: – 5% cashback on fuel, groceries, and utilities. – International cashback up to PKR 5,000/month. – 0% instalment plans for electronics and travel.
Pros: Best cashback program in Pakistan.
Cons: Cashback caps limit high spenders.
5. Faysal Bank Noor (Islamic) Credit Card
Ideal for: Shariah-compliant customers.
Annual Fee: PKR 7,500
Profit Rate: Variable under Ujrah model.
Key Features: – No interest; compliant with Islamic principles. – Double points on groceries and triple on donations. – Discounts at halal restaurants.
Pros: Ethical alternative with lifestyle benefits.
Cons: Fewer lounge privileges.
6. Allied Bank Visa Platinum
Ideal for: Everyday spenders.
Annual Fee: PKR 5,000
Markup Rate: ~37% p.a.
Key Features: – 5% cashback on fuel and groceries. – Free supplementary cards. – Reward redemption for shopping.
Pros: Affordable and family-friendly.
Cons: Moderate merchant coverage.
7. MCB Platinum Credit Card
Ideal for: Domestic travellers and professionals.
Annual Fee: PKR 7,500
Markup Rate: ~40% p.a.
Key Features: – Access to CIP lounges nationwide. – Reward points and insurance benefits.
Pros: Solid rewards structure.
Cons: Few international discounts.
8. Askari Bank World Mastercard
Ideal for: Lifestyle spenders.
Annual Fee: PKR 6,500
Markup Rate: ~39% p.a.
Key Features: – Up to 10% discount at dining and retail outlets. – Complimentary travel insurance. – EMI plans for large purchases.
Pros: Reliable local discounts.
Cons: Lower global benefits.
9. Meezan Bank Visa Credit Card (Islamic)
Ideal for: Faith-based users seeking flexibility.
Annual Fee: PKR 5,500
Profit Rate: Ujrah-based model.
Key Features: – No riba; profit-based structure. – Discounts on halal dining and travel. – Reward points on utilities.
Pros: Trusted Islamic option.
Cons: Fewer high-end privileges.
10. JS Bank Platinum Credit Card
Ideal for: Online shoppers and digital users.
Annual Fee: PKR 4,000
Markup Rate: ~36% p.a.
Key Features: – Discounts on e-commerce and travel sites. – Reward points redeemable for credits. – Fraud alerts and SMS protection.
Pros: Low fees and online perks.
Cons: Limited lounge access.
Comparison
| Bank | Rewards | Lounge Access | Annual Fee | Best For |
| Standard Chartered | Miles + Discounts | Yes | High | Frequent Travelers |
| HBL | Points + Dining | Yes | Medium | Premium Users |
| UBL | Points | Yes | Medium | Global Shoppers |
| Bank Alfalah | Cashback | Yes | Medium | Everyday Use |
| Faysal Noor | Islamic + Points | No | Medium | Halal Finance |
| Allied Bank | Cashback | Yes | Low | Families |
| MCB | Points | Yes | Medium | Professionals |
| Askari | Discounts | Yes | Medium | Lifestyle Users |
| Meezan | Islamic Rewards | No | Medium | Faith-based Users |
| JS Bank | Online Discounts | No | Low | Digital Users |
Pakistan’s credit card landscape in 2025 caters to every type of user, from cashback enthusiasts to Islamic banking customers.
- Best for Travel: Standard Chartered Mastercard World, HBL Platinum.
- Best for Cashback: Bank Alfalah Ultra Cashback, Allied Visa Platinum.
- Best Islamic Option: Faysal Noor and Meezan Visa.
- Best for Online Users: JS Bank Platinum.
Select the card that complements your spending pattern and always pay balances on time to enjoy maximum rewards without interest burdens.
