HBL Platinum Credit Card
4.7
(1,245 reviews)HBL- Airport lounge access
- Dining discounts
- Rewards
- EMI facility
Welcome Offer: Best for: Travel & Lifestyle
Annual Fee
Rs. 12,000
Joining Fee
Rs. 5,000
Find the Best
Credit Cards in Pakistan
Compare cashback, fuel, travel, shopping, premium, and Islamic credit cards from HBL, MCB, UBL, Bank Alfalah, Standard Chartered, Faysal Bank, Askari Bank and more. Review annual fees, joining fees, eligibility, lounge access, and rewards before you apply.
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Top Credit Card Offers in Pakistan
Showing 1–10 of 10 cards
MCB Platinum Credit Card
4.7
(1,245 reviews)MCB Bank- Lounge access
- Restaurant discounts
- Travel benefits
Welcome Offer: Best for: Travel and Dining
Annual Fee
Rs. 12,000
Joining Fee
Rs. 5,000
UBL Signature Credit Card
4.6
(678 reviews)UBL- Airport lounges
- International benefits
- Premium services
Welcome Offer: Best for: Frequent Travelers
Annual Fee
Rs. 15,000
Joining Fee
Rs. 7,500
Bank Alfalah Platinum Credit Card
4.4
(534 reviews)Bank Alfalah- Retail discounts
- Cashback offers
- Supplementary cards
Welcome Offer: Best for: Online Shopping
Annual Fee
Rs. 10,000
Joining Fee
Rs. 4,000
HBL Gold Credit Card
4.5
(892 reviews)HBL- Affordable fee
- Fuel offers
- Shopping benefits
Welcome Offer: Best for: First Credit Card Users
Annual Fee
Rs. 8,000
Joining Fee
Rs. 3,000
Standard Chartered Cashback Credit Card
4.4
(500 reviews)Standard Chartered Pakistan- Online discounts
- Cashback offers
- Payment plans
Welcome Offer: Best for: Daraz & Online Shopping
Annual Fee
Rs. 10,000
Joining Fee
Rs. 5,000
Faysal Bank Islamic Credit Card
4.3
(287 reviews)Faysal Bank- Islamic banking structure
- Digital banking
Welcome Offer: Best for: Shariah Conscious Users
Annual Fee
Rs. 4,000
Joining Fee
Rs. 1,500
Askari Bank Gold Credit Card
4.2
(198 reviews)Askari Bank- Fuel discounts
- Grocery cashback
- EMI plans
Welcome Offer: Best for: Fuel and Grocery Spending
Annual Fee
Rs. 3,000
Joining Fee
Rs. 1,000
Standard Chartered Visa Infinite
4.5
(300 reviews)Standard Chartered Pakistan- Premium lounge access
- Travel rewards
Welcome Offer: Best for: Luxury Travelers
Annual Fee
Rs. 18,000
Joining Fee
Rs. 8,000
BankIslami/Faysal Islamic Card Alternative
4.1
(150 reviews)Faysal Bank- Shariah compliant banking alternative
Welcome Offer: Best for: Islamic Banking Users
Annual Fee
Variable
Joining Fee
Variable
How we rank cards
How We Review Credit Cards
GeniiDeals Money rankings are built for Pakistani shoppers—not bank marketing pages. We score each card on real costs, redeemable value, and day-to-day usability so you can compare offers with clear editorial standards.
Our editors review fee schedules, rewards math in PKR, partner benefits, and user feedback before a card earns a featured spot on this page.
We compare cards based on:
- Annual fees
- Reward value
- Cashback offers
- Banking reputation
- Customer reviews
- Travel benefits
- Digital banking experience
Transparent methodology helps Google and readers trust our recommendations. Rankings update when banks change fees, rewards, or eligibility in Pakistan.
Side-by-side card comparison
Compare Top Credit Cards Pakistan 2026
Compare annual fees, joining fees, rewards, and best-use cases for leading Pakistan credit cards from HBL, MCB, UBL, Bank Alfalah, Standard Chartered, Faysal Bank, Askari Bank, and more—updated for 2026 spending categories including cashback, travel, fuel, shopping, and Islamic cards.
| Credit Card | Bank | Annual Fee | Joining Fee | Rewards | Best For | Rating |
|---|---|---|---|---|---|---|
1 HBL Platinum Credit CardBEST OVERALL | HBL | Rs. 12,000 | Rs. 5,000 | Reward Points | Travel & Lifestyle | 4.7 |
2 MCB Platinum Credit CardBEST PREMIUM REWARDS | MCB Bank | Rs. 12,000 | Rs. 5,000 | Reward Points | Travel and Dining | 4.7 |
3 UBL Signature Credit CardBEST TRAVEL | UBL | Rs. 15,000 | Rs. 7,500 | UBL Rewards | Frequent Travelers | 4.6 |
4 Bank Alfalah Platinum Credit CardBEST CASHBACK | Bank Alfalah | Rs. 10,000 | Rs. 4,000 | Cashback Rewards | Online Shopping | 4.4 |
5 HBL Gold Credit CardBEST FOR BEGINNERS | HBL | Rs. 8,000 | Rs. 3,000 | Reward Points | First Credit Card Users | 4.5 |
6 Standard Chartered Cashback Credit CardBEST ONLINE SHOPPING | Standard Chartered Pakistan | Rs. 10,000 | Rs. 5,000 | Cashback | Daraz & Online Shopping | 4.4 |
7 Faysal Bank Islamic Credit CardBEST ISLAMIC CARD | Faysal Bank | Rs. 4,000 | Rs. 1,500 | Rewards | Shariah Conscious Users | 4.3 |
8 Askari Bank Gold Credit CardBEST FUEL CARD | Askari Bank | Rs. 3,000 | Rs. 1,000 | Cashback Rewards | Fuel and Grocery Spending | 4.2 |
9 Standard Chartered Visa InfiniteBEST PREMIUM TRAVEL | Standard Chartered Pakistan | Rs. 18,000 | Rs. 8,000 | Travel Rewards | Luxury Travelers | 4.5 |
10 BankIslami/Faysal Islamic Card AlternativeSHARIAH COMPLIANT | Faysal Bank | Variable | Variable | Rewards | Islamic Banking Users | 4.1 |
Fees and benefits can change by bank campaign. Always confirm the latest schedule with the issuing bank before you apply.
See best offers →Pakistan finance guide
What you should know
Credit cards in Pakistan provide a predefined credit limit with billing cycles, payment deadlines, annual fees, markup rates, and rewards. Compare beginner cards, cashback cards, travel cards, fuel cards, shopping cards, premium cards, and Islamic options before applying.
What to check before choosing a credit card
- Annual fee and joining charges
- Cashback or rewards rate on your top spend categories
- Welcome bonus value in PKR
- Markup rate and late payment penalties
- Fuel, dining, travel, or ecommerce partner benefits
- Islamic vs conventional structure if relevant
- Minimum income and CNIC documentation
Expert tips
- Beginner users should prioritize easy approval, low fees, and manageable limits.
- Cashback cards return a percentage of eligible spending; rewards cards offer points for redemption.
- Pay bills on time to avoid markup and build a positive banking profile.
- Match Daraz and online shopping cards to where you spend most each month.
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Help center
Credit Card FAQs Pakistan
Answers to common questions about credit cards in Pakistan—best cards, salary requirements, cashback, fees, documents, and Islamic options.
Which bank credit card is best in Pakistan?
The best credit card depends on spending habits. HBL Platinum and MCB Platinum suit premium users, while HBL Gold and Alfalah cards are often better for beginners. Compare annual fees, rewards, and eligibility on GeniiDeals Money before applying.
What salary is required for a credit card in Pakistan?
Most banks require minimum monthly income between roughly Rs. 30,000 and Rs. 100,000 depending on card category and employer profile. Exact thresholds change by bank campaign—confirm with the issuer.
Which credit card gives the highest cashback in Pakistan?
Cashback offers change frequently. Shopping and fuel-focused cards usually provide the highest category cashback. Always check caps, exclusions, and annual fees so headline rates stay realistic.
Is credit card use halal in Pakistan?
Islamic banking users can explore Shariah-compliant card alternatives from Islamic banks and Islamic windows. Compare structure, fees, and benefits alongside conventional cards if religious compliance is a priority.
How do I choose between cashback and rewards credit cards?
Cashback cards return a percentage of eligible spending directly in PKR. Rewards cards provide points redeemable for products, vouchers, travel, or services. Choose cashback for simplicity; choose rewards if you will actively redeem points.
What fees should I check on a Pakistan credit card?
Review annual fees, joining charges, markup rates, late payment penalties, cash withdrawal fees, and foreign transaction charges before applying. A strong welcome bonus only helps if ongoing fees fit your spend.
What documents do banks usually ask for a credit card in Pakistan?
Most banks ask for CNIC, proof of income (salary slips or tax returns), and proof of residence. Self-employed applicants often need business registration or bank statements. Exact eligibility varies by bank and card tier.
Are there Islamic or Shariah-compliant credit cards in Pakistan?
Yes. Several Islamic banks and Islamic windows offer Shariah-compliant card alternatives. Compare structure, fees, and benefits alongside conventional cards if religious compliance is a priority.