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Top 10 Best Credit Cards in Pakistan 2025 – Features, Fees & Eligibility

List of the top 10 credit cards in Pakistan:

1. HBL Platinum Credit Card

A premium card accepted at over 29 million locations worldwide, perfect for frequent travelers and shoppers.

  • Annual Fee: PKR 10,000
  • Profit Rate: 40% annually
  • Perks: Up to 25% off at selected restaurants and outlets
  • Other Benefits: Lounge access at 25+ international airports
  • Eligibility:
    • Minimum age: 21 years
    • Annual income: At least PKR 200,000
    • Proof of employment or steady income

2. Standard Chartered Visa Platinum Card

A great option for those who regularly spend on essentials like fuel and groceries.

  • Annual Fee: PKR 14,000
  • Profit Rate: 42% annually
  • Cashback: 5% cashback on groceries, dining, and fuel
  • Extras: Earn reward points for every PKR 40 spent
  • Eligibility:
    • Age: 21–60 years
    • Monthly income: PKR 200,000 or more

3. UBL Gold Credit Card

An affordable choice with global acceptance and simple rewards.

  • Annual Fee: PKR 3,000
  • Profit Rate: 42% annually
  • Cashback: 1% on all purchases
  • Extras: Reward points on every PKR 50 spent
  • Eligibility:
    • Age: 21–60 years
    • Minimum income: PKR 50,000/month

4. MCB Platinum Credit Card

Known for offering solid rewards and lounge benefits.

  • Annual Fee: PKR 5,000
  • Profit Rate: 39% annually
  • Cashback: 5% on groceries, fuel, and dining
  • Extras: Access to 25 international airport lounges
  • Eligibility:
    • Minimum age: 21 years
    • Monthly income: PKR 50,000 or more

5. Allied Bank Visa Platinum Credit Card

A reliable option offering both cashback and travel perks.

  • Annual Fee: PKR 7,500
  • Profit Rate: 32% annually
  • Cashback: 5% on key spending categories
  • Extras: Travel insurance and reward points
  • Eligibility:
    • Age: 21–60 years
    • Monthly income: PKR 100,000
    • Employment or business proof required

6. Bank Alfalah Gold Credit Card

Perfect for users who prefer minimal charges and convenient installment plans.

  • Annual Fee: PKR 11,000
  • Profit Rate: 15% annually
  • Discounts: Up to 15% at selected stores and eateries
  • Extras: Zero-interest installment plans, reward points
  • Eligibility:
    • Age: 21–60 years
    • Monthly income: PKR 50,000

7. Faysal Bank Noor Platinum Card (Islamic)

A halal credit card option designed for customers who follow Islamic banking principles.

  • Annual Fee: PKR 6,000
  • Profit Rate: Based on Islamic principles (no interest)
  • Discounts: On food, shopping, and travel
  • Extras: Reward points on all purchases
  • Eligibility:
    • Age: 21–60 years
    • Monthly income: PKR 75,000

8. JS Bank Platinum Credit Card

A high-end card offering massive discounts and travel perks.

  • Annual Fee: PKR 15,000
    • Fee waived if you spend PKR 15,000 in the first 2 months
  • Profit Rate: 40% per year
  • Discounts: Up to 65% at partner outlets
  • Extras: Travel insurance and Priority Pass lounge access
  • Eligibility:
    • Age: 21–60 years
    • Monthly income: PKR 100,000

9. Askari Bank Platinum Credit Card

Offers benefits for frequent travelers and shoppers.

  • Annual Fee: PKR 8,500
  • Profit Rate: 39% annually
  • Discounts: Up to 10% on restaurants and outlets
  • Extras: Travel accident insurance, lounge access
  • Eligibility:
    • Age: 21–60 years
    • Monthly income: PKR 80,000
    • Bank statement required

10. Meezan Bank Visa Credit Card (Islamic)

A Shariah-based credit option tailored for individuals seeking interest-free, halal financial services.

  • Annual Fee: PKR 7,000
  • Profit Model: Based on profit-sharing (no conventional interest)
  • Discounts: Up to 5% on halal dining and travel
  • Extras: Halal reward points system
  • Eligibility:
    • Age: 21–60 years
    • Monthly income: PKR 70,000
    • Salary slip and CNIC required

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