1
4.7
(1,245 reviews)
HBL Platinum Credit Card
BEST OVERALLCashback
Reward Points
Welcome Bonus
Best for: Travel & Lifestyle
Annual Fee
Rs. 12,000
Rewards Rate
Reward Points
Best Credit Card Offers in Pakistan
Compare the best credit card offers in Pakistan—cashback, fuel rewards, lounge access, Islamic cards, welcome bonuses, and annual fees from major local banks.
Last updated: May 17, 2023
10 offers
2
4.7
(1,245 reviews)
MCB Platinum Credit Card
BEST PREMIUM REWARDSCashback
Reward Points
Welcome Bonus
Best for: Travel and Dining
Annual Fee
Rs. 12,000
Rewards Rate
Reward Points
3
4.6
(678 reviews)
UBL Signature Credit Card
BEST TRAVELCashback
UBL Rewards
Welcome Bonus
Best for: Frequent Travelers
Annual Fee
Rs. 15,000
Rewards Rate
UBL Rewards
4
4.4
(534 reviews)
Bank Alfalah Platinum Credit Card
BEST CASHBACKCashback
Cashback Rewards
Welcome Bonus
Best for: Online Shopping
Annual Fee
Rs. 10,000
Rewards Rate
Cashback Rewards
5
4.5
(892 reviews)
HBL Gold Credit Card
BEST FOR BEGINNERSCashback
Reward Points
Welcome Bonus
Best for: First Credit Card Users
Annual Fee
Rs. 8,000
Rewards Rate
Reward Points
6
4.4
(500 reviews)
Standard Chartered Cashback Credit Card
BEST ONLINE SHOPPINGCashback
Cashback
Welcome Bonus
Best for: Daraz & Online Shopping
Annual Fee
Rs. 10,000
Rewards Rate
Cashback
7
4.3
(287 reviews)
Faysal Bank Islamic Credit Card
BEST ISLAMIC CARDCashback
Rewards
Welcome Bonus
Best for: Shariah Conscious Users
Annual Fee
Rs. 4,000
Rewards Rate
Rewards
8
4.2
(198 reviews)
Askari Bank Gold Credit Card
BEST FUEL CARDCashback
Cashback Rewards
Welcome Bonus
Best for: Fuel and Grocery Spending
Annual Fee
Rs. 3,000
Rewards Rate
Cashback Rewards
9
4.5
(300 reviews)
Standard Chartered Visa Infinite
BEST PREMIUM TRAVELCashback
Travel Rewards
Welcome Bonus
Best for: Luxury Travelers
Annual Fee
Rs. 18,000
Rewards Rate
Travel Rewards
10
4.1
(150 reviews)
BankIslami/Faysal Islamic Card Alternative
SHARIAH COMPLIANTCashback
Rewards
Welcome Bonus
Best for: Islamic Banking Users
Annual Fee
Variable
Rewards Rate
Rewards
How We Rank Credit Cards in Pakistan
We weigh rewards value in PKR, annual fees, welcome bonuses, partner discounts, Islamic compliance where relevant, and practical usability for Pakistani shoppers.
40%
Rewards & Benefits
20%
Fees & Charges
20%
Welcome Bonus
10%
Customer Reviews
10%
Additional Features
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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.
Help center
Best Credit Cards Offers FAQs Pakistan
How we rank credit cards offers in Pakistan and what to check before you apply—fees, eligibility, and fit for local shoppers.
How does GeniiDeals rank the best credit cards offers?
We weigh rewards or returns, fees, welcome value, customer feedback, and practical features for Pakistani users. Rankings are editorial and updated when major banks change offers.
Should I apply for the #1 credit cards offer automatically?
Not always. The top-ranked offer may not match your income, spend pattern, or Shariah preference. Use the ranking as a shortlist, then check eligibility, fees, and fit for your situation.
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.