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Best Credit Cards in Pakistan: A Comprehensive Guide

Best Credit Cards in Pakistan: A Comprehensive Guide

Navigating through the myriad of credit card options available in Pakistan can be a daunting task. With various banks offering a plethora of features, choosing the one that best suits your needs requires a detailed analysis. In this comprehensive guide, we will explore some of the best credit cards in Pakistan, taking into account factors such as annual fees, reward points, cash back options, and additional perks that make them stand out.

Introduction to Credit Cards in Pakistan

Credit cards offer a convenient way to manage your finances, allowing you to make purchases and pay for them at a later date. In Pakistan, credit cards are becoming increasingly popular, with banks competing to provide the most attractive offers to consumers. Whether you’re looking for a card that offers the best rewards on dining and shopping or one that provides travel perks, there’s a card out there for everyone.

Factors to Consider When Choosing a Credit Card

Before diving into the best credit cards available, it’s important to understand the key factors to consider when making your choice:

  • Annual Fees: Some cards charge annual fees, while others do not. Weighing the benefits against the cost is crucial.
  • Reward Points: Look for cards that offer generous reward points on your spending, which can be redeemed for various benefits.
  • Cash Back: Some cards offer cash back on specific categories of purchases, such as groceries or fuel.
  • Interest Rates: Consider the interest rates charged on unpaid balances to avoid hefty charges.
  • Additional Perks: These can include airport lounge access, discounts at partner outlets, and more.

Read more: Massive tax increase in debit and credit card holders for non-residents

Top Credit Cards in Pakistan

HBL Platinum Credit Card

The HBL Platinum Credit Card is renowned for its comprehensive reward program, offering points on every purchase that can be redeemed for a wide range of options, from air miles to gift vouchers. Additionally, cardholders enjoy exclusive access to airport lounges across Pakistan and worldwide, along with travel insurance.

Standard Chartered Visa Platinum

The Standard Chartered Visa Platinum is a popular choice for those who value lifestyle benefits. With this card, users enjoy up to 5% cash back on dining, fuel, and supermarket purchases. It also offers a ‘Good Life’ program, providing discounts and offers across a variety of dining, shopping, and travel experiences.

MCB Platinum Credit Card

MCB’s Platinum Credit Card stands out for its travel perks, offering complimentary airport lounge access and discounts on air tickets and hotels. The card also features a generous rewards program, with points that can be redeemed for a wide array of products and services.

Faysal Bank World Credit Card

The Faysal Bank World Credit Card is tailored for those who seek premium experiences. It offers the highest rewards points on international transactions, complemented by complimentary travel insurance, airport lounge access, and exclusive dining and lifestyle offers.

UBL Visa Signature Credit Card

The UBL Visa Signature Credit Card is designed for the ultimate traveler, offering free airport lounge access both domestically and internationally. It also provides a rich rewards program, with points that can be redeemed for air tickets, gadgets, and more. Additionally, cardholders benefit from comprehensive travel insurance.

How to Choose the Right Credit Card

Choosing the right credit card depends on your personal spending habits and financial goals. Consider what benefits are most important to you, whether it’s earning reward points, receiving cash back on purchases, or enjoying travel perks. Be sure to read the fine print and understand the terms and conditions, including any fees and charges that may apply.


The best credit card for you in Pakistan will depend on your individual needs and spending patterns. Whether you prioritize rewards, cash back, or travel perks, there is a card that matches your preferences. By carefully considering the options and choosing wisely, you can maximize the benefits of your credit card and make it a valuable tool in managing your finances.

Remember, while credit cards offer convenience and rewards, responsible use is key to avoiding financial pitfalls. Always pay your bills on time and try to pay off the full balance each month to avoid interest charges and maintain a healthy credit score.


What is the best credit card for earning rewards in Pakistan?

The best credit card for earning rewards in Pakistan often varies based on the categories where you spend the most money. HBL Platinum Credit Card and Standard Chartered Visa Platinum are notable for their comprehensive rewards programs, offering points on a wide range of purchases that can be redeemed for various benefits.

Can I get a credit card with no annual fee in Pakistan?

Yes, several banks in Pakistan offer credit cards without an annual fee. However, it’s important to compare the benefits and rewards of these cards against those with annual fees, as sometimes paying a fee can be worth the extra perks and rewards you receive.

What should I consider before applying for a credit card?

Before applying for a credit card, consider the annual fee, interest rates, reward points system, cash back options, and additional perks. Also, assess your spending habits to choose a card that aligns with where you spend the most money.

Are there credit cards that offer travel perks in Pakistan?

Yes, many credit cards in Pakistan offer travel perks. For example, the MCB Platinum Credit Card and Faysal Bank World Credit Card provide complimentary airport lounge access, discounts on air tickets and hotels, and travel insurance.

How can I maximize the benefits of my credit card?

To maximize the benefits of your credit card, use it for everyday purchases to earn rewards or cash back. Pay attention to any specific categories that offer higher rewards or cash back rates. Additionally, take advantage of any additional perks like discounts, offers, and insurance that come with your card.

Is it worth paying an annual fee for a credit card?

Whether it’s worth paying an annual fee for a credit card depends on how much you value the additional benefits and rewards that come with the card. If you frequently take advantage of the perks and the rewards you earn outweigh the cost of the annual fee, then it can be worth it.

How does the cash back feature work on credit cards?

The cash back feature on credit cards allows you to earn a percentage of your purchases back as a credit on your account. The specific categories and rates for cash back vary by card, with some offering higher rates on categories like dining, fuel, and groceries.

What happens if I miss a credit card payment?

Missing a credit card payment can result in late fees, increased interest rates, and a negative impact on your credit score. It’s important to at least make the minimum payment before the due date, though paying off the full balance is recommended to avoid interest charges.

How can I apply for a credit card in Pakistan?

To apply for a credit card in Pakistan, you can visit the bank’s website or branch where you intend to apply. You’ll need to provide personal and financial information, including your CNIC, income proof, and employment details. Eligibility criteria vary by card and bank.

How can I protect my credit card from fraud?

To protect your credit card from fraud, never share your card details with anyone. Monitor your account regularly for any unauthorized transactions and report them immediately to your bank. Additionally, use secure websites for online purchases and consider setting up SMS or email alerts for transactions.