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