Best Credit Cards In Pakistan: Credit cards can be a great option if you are looking for a convenient way to manage your finances.
In Pakistan, there are many banks and financial institutions that offer a variety of Best Credit Cards In Pakistan with different features and benefits. However, with so many options available, choosing the right one for your needs can be overwhelming.
To help you make an informed decision, we have compiled a list of 11+ Best Credit Cards In Pakistan.
Whether you’re looking for rewards, cashback, or low interest rates, there’s something for everyone on this list. So, let’s dive in and explore the top and all-time best credit cards in Pakistan.
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List Of 11+ Best Credit Cards In Pakistan Ultime Guide
Table of Contents
- List Of 11+ Best Credit Cards In Pakistan Ultime Guide
- What are Credit Cards In Pakistan?
- Standard Chartered Visa Platinum Credit Card
- HBL Platinum Credit Card
- NBP Platinum Credit Card
- MCB Titanium Credit Card
- UBL Platinum Credit Card
- Faysal Bank World Credit Card
- Askari Bank Visa Gold Credit Card
- Bank Alfalah Visa Signature Credit Card
- Dubai Islamic Bank Credit Card
- Soneri Bank Visa Platinum Credit Card
- Bank Al Habib Visa Gold Credit Card
- JS Bank Classic Credit Card
- Best Credit Cards In Pakistan FAQs
Recommended Reading: How To Get A Credit Card In Pakistan | Credit Card Requirements In Pakistan
What are Credit Cards In Pakistan?
The Credit Card is a small plastic card given to people by banks or credit card companies. It lets the cardholder buy things now and pay for them later. The cardholder promises to pay back the money spent on these purchases.
Best Credit Cards In Pakistan also offer low interest rates and easy installment plans, making them a great choice for those who want to manage their finances effectively.
Ultimately, the best credit card for you will depend on your financial situation and spending habits. So, let’s get started with our list of the best credit cards in Pakistan!
Standard Chartered Visa Platinum Credit Card
Standard Chartered Visa Platinum credit card is at the top of our list of the best credit cards in Pakistan. Let’s discuss its eligibility criteria and key features:
| Eligibility Criteria | Key Features |
|---|---|
| Age: Must be at least 21 years old. | Rewards Program: Earn points on every purchase and redeem for rewards like air miles, cashback, and vouchers. |
| Income: Minimum monthly income of PKR 100,000. | Discounts and Offers: Exclusive discounts on dining, travel, and shopping at select locations in Pakistan and worldwide. |
| Employment: Available to both salaried and self-employed individuals with a steady income. | Complimentary Lounge Access: Access to over 1,000 airport lounges worldwide through the LoungeKey program. |
| Travel Benefits: Includes travel insurance, purchase protection, and extended warranty on eligible purchases. | |
| Easy Installment Plans: Convert large purchases into easy installments with low interest rates. | |
| Contactless Payments: Make quick and secure payments using the contactless feature. | |
| Online Banking: Easily manage your account and transactions online. | |
| Worldwide Acceptance: Accepted by millions of merchants worldwide that accept Visa. | |
| Zero Annual Fee: No annual fee, making it a cost-effective option. |
Recommended Reading: How To Apply For A Credit Card In Pakistan | Best Credit Card In Pakistan
HBL Platinum Credit Card
HBL Platinum credit card is the 2nd on our list of the best credit cards in Pakistan. Let’s discuss its eligibility criteria and key features:
| Eligibility Criteria | Key Features |
|---|---|
| Age: Minimum 21 years old | Rewards Program: Earn points on all purchases and redeem for rewards like air miles, cashback, and vouchers. |
| Income: Minimum income of PKR 200,000 per annum | Discounts and Offers: Get exclusive discounts on dining, travel, and shopping in Pakistan and worldwide. |
| Employment: Salaried or self-employed individuals with a steady income | Complimentary Lounge Access: Access over 1,000 airport lounges worldwide through the LoungeKey program. |
| Travel Benefits: Includes travel insurance, purchase protection, and extended warranty on eligible purchases. | |
| Easy Installment Plans: Convert large purchases into easy installments with low interest rates. | |
| Contactless Payments: Make quick and secure payments with the contactless feature. | |
| Online Banking: Manage your account and transactions online easily. | |
| Worldwide Acceptance: Accepted by millions of merchants worldwide that accept Mastercard. | |
| Zero Annual Fee: No annual fee for the first year, making it a cost-effective choice. |
NBP Platinum Credit Card
NBP Platinum credit card is the 3rd on our list of the best credit cards in Pakistan. Let’s discuss its eligibility criteria and key features:
| Eligibility Criteria | Key Features |
|---|---|
| The applicant must be a Pakistani citizen or a resident alien. | Rewards Program: Earn points on every transaction, redeemable for airline miles, merchandise, and cashback. |
| The applicant must be between 21 and 70 years old. | Travel and Purchase Benefits: Includes travel insurance, purchase protection, and extended warranty on purchases. |
| The applicant must have a minimum income of PKR 100,000 per month or PKR 1,200,000 per year. | High Credit Limit: Allows for large purchases or cash advances. |
| The applicant must have a good credit history. | Exclusive Discounts: Enjoy discounts on dining, shopping, and entertainment at partner outlets across Pakistan. |
| Emergency Services: 24/7 customer support and lost or stolen card reporting. | |
| Convenient Features: Online banking, mobile app access, and SMS alerts for transactions. | |
| Balance Transfer: Transfer balances from other credit cards to NBP Platinum Credit Card at a lower interest rate. | |
| No Annual Fee for First Year: Enjoy no annual fee for the first year and a nominal fee for the following years. |
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MCB Titanium Credit Card
MCB Titanium credit card is the 4th on our list of the best credit cards in Pakistan. Let’s discuss its eligibility criteria and key features of Best Credit Cards In Pakistan:
| Eligibility Criteria | Key Features |
|---|---|
| Pakistani citizen or resident alien. | Rewards Program: Earn points on every transaction, redeemable for airline miles, merchandise, and cashback. |
| Age between 21 and 65 years. | Travel and Purchase Benefits: Includes travel insurance, purchase protection, and extended warranty on purchases. |
| Minimum income of PKR 50,000 per month or PKR 600,000 per year. | Exclusive Discounts: Get discounts on dining, shopping, and entertainment at partner outlets across Pakistan. |
| Good credit history. | Emergency Services: 24/7 customer support and lost or stolen card reporting. |
| High Credit Limit: Allows for large purchases or cash advances. | |
| Convenient Features: Online banking, mobile app access, and SMS alerts for transactions. | |
| Balance Transfer: Transfer balances from other credit cards to MCB Titanium Credit Card at a lower interest rate. | |
| No Annual Fee for First Year: Enjoy no annual fee for the first year and a nominal fee for the following years. | |
| Annual Fee Waiver: Waive annual fees by meeting a specified spending target. |
UBL Platinum Credit Card
UBL Platinum credit card is the 5th on our list of the best credit cards in Pakistan. Let’s discuss its eligibility criteria and key features:
| Eligibility Criteria | Key Features |
|---|---|
| Pakistani citizen or resident alien. | Rewards Program: Earn points on every transaction, redeemable for airline miles, merchandise, and cashback. |
| Age between 21 and 65 years. | Travel and Purchase Benefits: Travel insurance, purchase protection, and extended warranty on purchases. |
| Minimum income of PKR 200,000 per month or PKR 2,400,000 per year. | Exclusive Discounts: Discounts on dining, shopping, and entertainment at partner outlets across Pakistan. |
| Good credit history. | Emergency Services: 24/7 customer support and lost or stolen card reporting. |
| High Credit Limit: Make large purchases or take cash advances. | |
| Convenient Features: Online banking, mobile app access, and SMS alerts for transactions. | |
| Balance Transfer: Transfer balances from other credit cards to UBL Platinum Credit Card at a lower interest rate. | |
| No Annual Fee for First Year: No annual fee for the first year and a nominal fee for subsequent years. |
Faysal Bank World Credit Card
Faysal Bank World credit card is the 6th on our list of the best credit cards in Pakistan. Let’s discuss its eligibility criteria and key features:
| Eligibility Criteria | Key Features |
|---|---|
| Pakistani citizen or resident alien. | Rewards Program: Earn points on every transaction, redeemable for airline miles, merchandise, and cashback. |
| Age between 21 and 65 years. | Travel and Purchase Benefits: Travel insurance, purchase protection, and extended warranty on purchases. |
| Minimum income of PKR 250,000 per month or PKR 3,000,000 per year. | Exclusive Discounts: Discounts on dining, shopping, and entertainment at partner outlets across Pakistan. |
| Good credit history. | Emergency Services: 24/7 customer support and lost or stolen card reporting. |
| High Credit Limit: Make large purchases or take cash advances. | |
| Convenient Features: Online banking, mobile app access, and SMS alerts for transactions. | |
| Balance Transfer: Transfer balances from other Best Credit Cards In Pakistan to Faysal Bank World Credit Card at a lower interest rate. | |
| No Annual Fee for First Year: No annual fee for the first year and a nominal fee for subsequent years. | |
| Annual Fee Waiver: Waive the annual fee by meeting a specified spending target. | |
| Lounge Access: Access to over 1,000 airport lounges globally for primary and supplementary cardholders. |
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Askari Bank Visa Gold Credit Card
Askari Bank Visa Gold credit card is the 7th on our list of the best credit cards in Pakistan. Let’s discuss its eligibility criteria and key features:
Eligibility Criteria:
- Applicant must be a Pakistani resident aged between 21 to 65 years
- Minimum monthly income of PKR 50,000
- Applicant must have a clean credit history with no defaults or late payments on previous credit facilities
Key Features:
- Credit limit up to PKR 500,000
- 50-day interest-free period on purchases
- Cash withdrawal of up to 50% of the available credit limit
- Easy repayment options with a minimum payment of 5% of the outstanding balance or PKR 500, whichever is higher
- Free supplementary cards for family members
- Free travel insurance up to PKR 1,000,000 for both primary and supplementary cardholders
- Discounts on dining, shopping, and entertainment at select merchant outlets in Pakistan and abroad
- 24/7 customer support and online banking services
- Fraud protection through SMS alerts and secure chip technology
Bank Alfalah Visa Signature Credit Card
Bank Alfalah Visa Signature credit card is the 8th on our list of the best credit cards in Pakistan. Let’s discuss its eligibility criteria and key features:
Eligibility Criteria:
- Applicant must be a Pakistani resident aged between 21 to 65 years
- Minimum monthly income of PKR 200,000
- Applicant must have a clean credit history with no defaults or late payments on previous credit facilities
Key Features:
- Best Credit Cards In Pakistan limit up to PKR 2,500,000
- 50-day interest-free period on purchases
- Cash withdrawal of up to 50% of the available credit limit
- Easy repayment options with a minimum payment of 5% of the outstanding balance or PKR 1,500, whichever is higher
- Free supplementary cards for family members
- Access to exclusive Visa Signature privileges such as concierge services, travel benefits, and discounts at select merchant outlets in Pakistan and abroad
- Complimentary travel insurance up to USD 500,000 for both primary and supplementary cardholders
- Discounts on dining, shopping, and entertainment at select merchant outlets in Pakistan and abroad
- 24/7 customer support and online banking services
- Fraud protection through SMS alerts and secure chip technology
Dubai Islamic Bank Credit Card
Dubai Islamic Bank credit card is the 9th on our list of the best credit cards in Pakistan. Let’s discuss its eligibility criteria and key features:
| Eligibility Criteria | Key Features |
|---|---|
| Pakistani residents aged between 21 to 70 years. | Shari’a-compliant Credit Cards: No interest charges or hidden fees. |
| Minimum monthly income: | Generous Credit Limits: Up to PKR 1,500,000 for Classic and Gold, PKR 2,500,000 for Platinum, and PKR 5,000,000 for World. |
| PKR 30,000 for Classic and Gold Credit Cards. | Interest-Free Period: 55-day interest-free period for Classic, Gold, and Platinum; 60-day for World. |
| PKR 75,000 for Platinum Best Credit Cards In Pakistan. | Cash Withdrawal: Up to 100% of available credit limit. |
| PKR 200,000 for World Credit Card. | Easy Repayment Options: Minimum payment of 5% of outstanding balance or PKR 1,000, whichever is higher. |
| Clean credit history with no defaults or late payments on previous credit facilities. | Free Supplementary Cards: Available for family members. |
| Discounts and Privileges: Dining, shopping, and entertainment discounts; exclusive Visa or Mastercard privileges. | |
| Complimentary Travel Insurance: Up to USD 500,000 for World Credit Cardholders. | |
| 24/7 Customer Support and Online Banking: Accessible services for assistance and management. | |
| Fraud Protection: SMS alerts and secure chip technology for enhanced security. |
Soneri Bank Visa Platinum Credit Card
Soneri Bank Visa Platinum credit card is the 10th on our list of the best credit cards in Pakistan. Let’s discuss its eligibility criteria and key features:
Eligibility Criteria:
- Applicant must be a Pakistani resident aged between 21 to 65 years
- Minimum monthly income of PKR 100,000
- Applicant must have a clean credit history with no defaults or late payments on previous credit facilities
Key Features:
- Credit limit up to PKR 1,000,000
- 50-day interest-free period on purchases
- Cash withdrawal of up to 50% of the available credit limit
- Easy repayment options with a minimum payment of 5% of the outstanding balance or PKR 1,500, whichever is higher
- Free supplementary cards for family members
- Discounts on dining, shopping, and entertainment at select merchant outlets in Pakistan and abroad
- Access to exclusive Visa Platinum privileges such as concierge services, travel benefits, and discounts at select merchant outlets in Pakistan and abroad
- Complimentary travel insurance up to USD 500,000 for both primary and supplementary cardholders
- 24/7 customer support and online banking services
- Fraud protection through SMS alerts and secure chip technology
Recommended Reading: How To Get A Credit Card In Pakistan | Credit Card Requirements In Pakistan
Bank Al Habib Visa Gold Credit Card
Bank Al Habib Visa Gold credit card is the 11th on our list of the best credit cards in Pakistan. Let’s discuss its eligibility criteria and key features:
Eligibility Criteria:
- Applicant must be a Pakistani resident aged between 21 to 65 years
- Minimum monthly income of PKR 50,000
Key Features:
- Credit limit up to PKR 500,000
- 45-day interest-free period on purchases
- Cash withdrawal of up to 50% of the available credit limit
- Easy repayment options with a minimum payment of 5% of the outstanding balance or PKR 1,500, whichever is higher
- Free supplementary cards for family members
- Discounts on dining, shopping, and entertainment at select merchant outlets in Pakistan and abroad
- Access to exclusive Visa Gold privileges such as concierge services, travel benefits, and discounts at select merchant outlets in Pakistan and abroad
- Complimentary travel insurance up to USD 50,000 for both primary and supplementary cardholders
- 24/7 customer support and online banking services
- Fraud protection through SMS alerts and secure chip technology
JS Bank Classic Credit Card
S Bank Classic credit card is the 12th on our list of the best credit cards in Pakistan. Let’s discuss its eligibility criteria and key features:
Eligibility Criteria:
- The applicant must be a Pakistani citizen or a resident of Pakistan.
- The minimum age requirement is 21 years old.
- The applicant must have a minimum monthly income of PKR 25,000.
Key Features:
- Free for Life: The JS Bank Classic Best Credit Cards In Pakistan has no annual fee, and there is no joining fee for new customers.
- Worldwide Acceptance: The card is accepted worldwide by millions of merchants, including restaurants, hotels, retail stores, and online retailers.
- Interest-free Credit: Cardholders can enjoy up to 50 days of interest-free credit on their purchases, giving them more time to pay back their balances.
- Cash Withdrawals: Cardholders can withdraw cash from any JS Bank ATM or any other ATM displaying the VISA logo.
- Supplementary Cards: Cardholders can request supplementary cards for their family members, which can be linked to the primary card account.
- Easy Payments: The card offers multiple payment options, including online payment, payment at any JS Bank branch, and payment through mobile banking.
- Reward Points: The card offers reward points on every purchase, which can be redeemed for a variety of rewards, including shopping vouchers, airline tickets, and other merchandise.
- Balance Transfer Facility: The card offers a balance transfer facility, which allows cardholders to transfer their outstanding balances from other credit cards to their JS Bank Classic Credit Card account.
- SMS Alerts: Cardholders receive SMS alerts for every transaction made on their card, giving them real-time information about their account activity.
- Secure Transactions: The card is equipped with advanced security features, including Chip and PIN technology, to protect against fraudulent transactions.
Recommended Reading: How To Apply For A Credit Card In Pakistan | Best Credit Card In Pakistan
Best Credit Cards In Pakistan FAQs
What are the best credit cards in Pakistan?
Bank Alflah Family Credit Card is considered the best credit card in Pakistan. Others include Sadapay and Nayapay is also considered the best credit card in Pakistan.
What is the Maximum Credit Card limit in Pakistan?
General Maximum credit card limits are 500,000 in Pakistan. But could vary depending on the type and Bank of card distributor.
How can I get the Best Credit Cards In Pakistan?
Salary persons having monthly pay of 50,000 can get the Best Credit Cards In Pakistan from every bank to which their salary is transferred.
Business persons having good track records can also get the Best Credit Cards In Pakistan from the bank from where they made business transactions.
What factors should I consider when choosing a credit card in Pakistan?
When choosing a credit card in Pakistan, consider factors such as the interest rate, annual fee, reward points, cashback offers, payment options, and the bank’s reputation for customer service. It’s also important to read the terms and conditions carefully to understand the card’s features and limitations.
Can I apply for a credit card if I don’t have a credit history?
Yes, you can apply for the Best Credit Cards In Pakistan even if you don’t have a credit history. However, your application may be subject to stricter approval criteria, and you may receive a lower credit limit or higher interest rate.
How can I improve my credit score in Pakistan?
To improve your Best Credit Cards In Pakistan, make sure to pay your credit card bills on time, avoid carrying a high balance on your credit card, and maintain a good credit utilization ratio. You can also consider using a credit monitoring service to keep track of your credit score and identify any potential errors or fraud.
Recommended Reading: 7 Easy Steps To Get A Loan On Credit Card In Pakistan (Complete Guide)
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