Best-Credit-Cards-In-Pakistan

List Of 11+ Best Credit Cards In Pakistan | Credit Card For International Travel

Best Credit Cards In Pakistan: If you are looking for a convenient way to manage your finances, credit cards can be a great option.

In Pakistan, there are many banks and financial institutions that offer a variety of credit cards with different features and benefits.

However, with so many options available, it can be overwhelming to choose the right one for your needs.

To help you make an informed decision, we have compiled a list of the 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 times best credit cards in Pakistan.

Recommended Reading: 7 Easy Steps To Get A Loan On Credit Card In Pakistan (Complete Guide)

List Of 11+ Best Credit Cards In Pakistan Ultime Guide

Table of Contents

Each of these credit cards offers unique benefits and features that cater to different financial needs. Some offer cashback rewards, while others provide discounts on dining, travel, and shopping.

Some cards 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 individual financial situation and spending habits. So, let’s get started with our list of the best credit cards in Pakistan!

Recommended Reading: How To Apply For A Credit Card In Pakistan (Beginners Guide)

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:

Standard-Chartered-Visa-Platinum-Credit-Card
Standard-Chartered-Visa-Platinum-Credit-Card

Eligibility Criteria:

  • Age: Minimum 21 years old
  • Income: Minimum income requirement of PKR 100,000 per month
  • Employment: Salaried or self-employed individuals with a steady source of income

Key Features:

  • Rewards Program: Earn reward points on all your purchases and redeem them for a variety of rewards, including air miles, cashback, and vouchers.
  • Discounts and Offers: Enjoy exclusive discounts and offers on dining, travel, and shopping at select merchants in Pakistan and around the world.
  • Complimentary Lounge Access: Access to over 1,000 airport lounges worldwide through the LoungeKey program.
  • Travel Benefits: Enjoy travel insurance, purchase protection, and extended warranty coverage on eligible purchases made with the card.
  • Easy Installment Plans: Convert your large purchases into easy installment plans with low-interest rates.
  • Contactless Payments: Make fast and secure payments with your card using the contactless payment feature.
  • Online Banking: Access your account online and manage your credit card transactions and payments easily.
  • Worldwide Acceptance: The card is accepted by millions of merchants worldwide that accept Visa.
  • Zero Annual Fee: The card has no annual fee, making it a great choice for those who want to avoid extra charges.

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:

HBL-Platinum-Credit-Card
HBL-Platinum-Credit-Card

Eligibility Criteria:

  • Age: Minimum 21 years old
  • Income: Minimum income requirement of PKR 200,000 per annum
  • Employment: Salaried or self-employed individuals with a steady source of income

Key Features:

  • Rewards Program: Earn reward points on all your purchases and redeem them for a variety of rewards, including air miles, cashback, and vouchers.
  • Discounts and Offers: Enjoy exclusive discounts and offers on dining, travel, and shopping at select merchants in Pakistan and around the world.
  • Complimentary Lounge Access: Access to over 1,000 airport lounges worldwide through the LoungeKey program.
  • Travel Benefits: Enjoy travel insurance, purchase protection, and extended warranty coverage on eligible purchases made with the card.
  • Easy Installment Plans: Convert your large purchases into easy installment plans with low-interest rates.
  • Contactless Payments: Make fast and secure payments with your card using the contactless payment feature.
  • Online Banking: Access your account online and manage your credit card transactions and payments easily.
  • Worldwide Acceptance: The card is accepted by millions of merchants worldwide that accept Mastercard.
  • Zero Annual Fee: The card has no annual fee for the first year, making it a great choice for those who want to avoid extra charges.

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:

NBP-Platinum-Credit-Card
NBP-Platinum-Credit-Card

Eligibility Criteria:

  • The applicant must be a Pakistani citizen or a resident alien.
  • The applicant must have a minimum age of 21 years and a maximum age of 70 years.
  • The applicant must have a minimum income of PKR 100,000 per month or PKR 1,200,000 per year.
  • The applicant must have a good credit history.

Key Features:

  • The NBP Platinum Credit Card offers a reward program where cardholders can earn points for every transaction made on the card, which can be redeemed for a variety of rewards, including airline miles, merchandise, and cashback.
  • Cardholders can enjoy a range of benefits, including travel insurance, purchase protection, and extended warranty on purchases made with the card.
  • The card comes with a high credit limit, allowing users to make large purchases or take cash advances.
  • NBP Platinum Credit Cardholders can benefit from exclusive discounts and deals on dining, shopping, and entertainment at partner outlets across Pakistan.
  • The card provides access to emergency services, including 24/7 customer support and lost or stolen card reporting.
  • Cardholders can avail themselves of a range of convenient features, including online banking, mobile app, and SMS alerts for transactions made on the card.
  • NBP Platinum Credit Card offers attractive balance transfer options that allow cardholders to transfer outstanding balances from other credit cards to the NBP Platinum Credit Card at a lower interest rate.
  • The card has no annual fee for the first year and a nominal fee for subsequent years.

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:

MCB-Titanium-Credit-Card
MCB-Titanium-Credit-Card

Eligibility Criteria:

  • The applicant must be a Pakistani citizen or a resident alien.
  • The applicant must have a minimum age of 21 years and a maximum age of 65 years.
  • The applicant must have a minimum income of PKR 50,000 per month or PKR 600,000 per year.
  • The applicant must have a good credit history.

Key Features:

  • MCB Titanium Credit Card offers a reward program where cardholders can earn reward points for every transaction made on the card, which can be redeemed for a variety of rewards, including airline miles, merchandise, and cashback.
  • The card comes with a range of benefits, including travel insurance, purchase protection, and an extended warranty on purchases made with the card.
  • MCB Titanium Credit Cardholders can benefit from exclusive discounts and deals on dining, shopping, and entertainment at partner outlets across Pakistan.
  • The card provides access to emergency services, including 24/7 customer support and lost or stolen card reporting.
  • The card comes with a high credit limit, allowing users to make large purchases or take cash advances.
  • Cardholders can avail themselves of a range of convenient features, including online banking, mobile app, and SMS alerts for transactions made on the card.
  • MCB Titanium Credit Card offers balance transfer options that allow cardholders to transfer outstanding balances from other credit cards to the MCB Titanium Credit Card at a lower interest rate.
  • The card has no annual fee for the first year and a nominal fee for subsequent years. Additionally, MCB Titanium Credit Cardholders can enjoy a waiver of annual fees on achieving a specified spending target on their card.

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:

UBL-Platinum-Credit-Card
UBL-Platinum-Credit-Card

Eligibility Criteria:

The eligibility criteria for the UBL Platinum Credit Card may vary depending on the policies of the bank, but generally, the following requirements must be met:

  • The applicant must be a Pakistani citizen or a resident alien.
  • The applicant must have a minimum age of 21 years and a maximum age of 65 years.
  • The applicant must have a minimum income of PKR 200,000 per month or PKR 2,400,000 per year.
  • The applicant must have a good credit history.

Key Features:

  • UBL Platinum Credit Card offers a reward program where cardholders can earn reward points for every transaction made on the card, which can be redeemed for a variety of rewards, including airline miles, merchandise, and cashback.
  • The card comes with a range of benefits, including travel insurance, purchase protection, and an extended warranty on purchases made with the card.
  • UBL Platinum Credit Cardholders can benefit from exclusive discounts and deals on dining, shopping, and entertainment at partner outlets across Pakistan.
  • The card provides access to emergency services, including 24/7 customer support and lost or stolen card reporting.
  • The card comes with a high credit limit, allowing users to make large purchases or take cash advances.
  • Cardholders can avail themselves of a range of convenient features, including online banking, mobile app, and SMS alerts for transactions made on the card.
  • UBL Platinum Credit Card offers balance transfer options that allow cardholders to transfer outstanding balances from other credit cards to the UBL Platinum Credit Card at a lower interest rate.
  • The card has no annual fee for the first year and a nominal fee for subsequent years. Additionally, UBL Platinum Credit Cardholders can enjoy a waiver of the annual fee on achieving a specified spending target on their card.

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:

Faysal-Bank-World-Credit-Card
Faysal-Bank-World-Credit-Card

Eligibility Criteria:

The eligibility criteria for Faysal Bank World Credit Card may vary depending on the policies of the bank, but generally, the following requirements must be met:

  • The applicant must be a Pakistani citizen or a resident alien.
  • The applicant must have a minimum age of 21 years and a maximum age of 65 years.
  • The applicant must have a minimum income of PKR 250,000 per month or PKR 3,000,000 per year.
  • The applicant must have a good credit history.

Key Features:

  • Faysal Bank World Credit Card offers a reward program where cardholders can earn reward points for every transaction made on the card, which can be redeemed for a variety of rewards, including airline miles, merchandise, and cashback.
  • The card comes with a range of benefits, including travel insurance, purchase protection, and an extended warranty on purchases made with the card.
  • Faysal Bank World Credit Cardholders can benefit from exclusive discounts and deals on dining, shopping, and entertainment at partner outlets across Pakistan.
  • The card provides access to emergency services, including 24/7 customer support and lost or stolen card reporting.
  • The card comes with a high credit limit, allowing users to make large purchases or take cash advances.
  • Cardholders can avail themselves of a range of convenient features, including online banking, mobile app, and SMS alerts for transactions made on the card.
  • Faysal Bank World Credit Card offers balance transfer options that allow cardholders to transfer outstanding balances from other credit cards to the Faysal Bank World Credit Card at a lower interest rate.
  • The card has no annual fee for the first year and a nominal fee for subsequent years. Additionally, Faysal Bank World Credit Cardholders can enjoy a waiver of the annual fee on achieving a specified spending target on their card.
  • The card offers lounge access to over 1,000 airport lounges globally for primary and supplementary cardholders.

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:

Askari-Bank-Visa-Gold-Credit-Card
Askari-Bank-Visa-Gold-Credit-Card

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:

Bank-Alfalah-Visa-Signature-Credit-Card
Bank-Alfalah-Visa-Signature-Credit-Card

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:

  • Credit 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:

Dubai-Islamic-Bank-Credit-Card
Dubai-Islamic-Bank-Credit-Card

Eligibility Criteria:

  • Applicant must be a Pakistani resident aged between 21 to 70 years
  • Minimum monthly income of PKR 30,000 for Classic and Gold Credit Cards, PKR 75,000 for Platinum Credit Cards, and PKR 200,000 for World Credit Card
  • Applicant must have a clean credit history with no defaults or late payments on previous credit facilities

Key Features:

  • Shari’a-compliant credit cards with no interest charges or hidden fees
  • Credit limit up to PKR 1,500,000 for Classic and Gold Credit Cards, PKR 2,500,000 for Platinum Credit Cards, and PKR 5,000,000 for World Credit Card
  • 55-day interest-free period on purchases for Classic, Gold, and Platinum Credit Cards, and a 60-day interest-free period for World Credit Card
  • Cash withdrawal of up to 100% of the available credit limit
  • Easy repayment options with a minimum payment of 5% of the outstanding balance or PKR 1,000, 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 or Mastercard 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 World Credit Cardholders only
  • 24/7 customer support and online banking services
  • Fraud protection through SMS alerts and secure chip technology

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:

Soneri-Bank-Visa-Platinum-Credit-Card
Soneri-Bank-Visa-Platinum-Credit-Card

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

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:

Bank-Al-Habib-Visa-Gold-Credit-Card
Bank-Al-Habib-Visa-Gold-Credit-Card

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:

JS-Bank-Classic-Credit-Card
JS-Bank-Classic-Credit-Card

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 Credit Card has no annual fee, and there is no joining fee for new customers.
  • Worldwide Acceptance: The card is accepted worldwide at 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 Get A Credit Card In Pakistan (Beginners Guide)

Beginner’s Guide To Select And Use The Best Credit Card

Best Credit Cards In Pakistan: Credit cards are a popular and convenient way to pay, but they can quickly become problematic if you’re not careful about how you choose and use them.

Many people face problems while selecting the right credit card for them. So, here is a practical guide to help you choose the best credit cards in Pakistan, even if you have zero knowledge about them.

Read All Terms & Conditions


Best Credit Cards In Pakistan: When deciding on which credit card to apply for, it’s essential to understand all of your options. This will help ensure that you select a credit product that works well with your individual financial needs.

Always read over all terms and conditions in full before applying—it may take some time, but having a better understanding of what you are agreeing to will benefit your budget in the long run.

It’s also important to make sure that any fees or fines align with your spending habits—if they don’t, choose another option or prepare yourself for unwanted expenses down the road.

Finally, don’t forget about rewards programs!

Check Your Eligibility


Best Credit Cards In Pakistan: If your credit score is below the minimum criteria, many lenders will not be interested in lending to you at all. But even if it’s above that magic number, there are still factors to consider when choosing a card.

Depending on what type of consumer you are, various cards might have better rates or rewards programs available to them.

For example, people with high incomes who have short histories of responsible spending tend to get approved for only top-of-the-line Platinum credit cards.

Understand APRs


Best Credit Cards In Pakistan: Annual percentage rates, or APRs, are used to tell a customer what their interest rate will be. When looking at interest rates and fees, it’s important to pay attention to annual percentage rates (APRs).

This is essentially your loan’s overall cost of borrowing money. Credit cards often have different APRs based on your balance (the higher your balance, the higher your APR).

Low introductory rates or low APRs can lead to savings if you carry a larger balance. The lower an APR is, typically the higher a customer’s risk for defaulting on his or her debt.

Find The Right Features


Best Credit Cards In Pakistan: Best credit cards can come with a whole host of features and perks, which can be very enticing. But to find out which ones are right for you, think about your spending habits first.

Some good questions to ask yourself:

What am I likely to spend each month?

How often do I travel and how much would I like to save by using a rewards credit card at hotels or car rental agencies?

Am I interested in cashback or points that can be redeemed for travel-related items like hotel stays and airline tickets?

Determine The Right Rewards Program


Best Credit Cards In Pakistan: Before applying for a credit card, make sure it’s in line with your lifestyle. Do you shop at high-end retailers and want to cash in on luxury items?

Then consider opting for a premium rewards program that offers perks like hotel discounts and VIP tickets to exclusive events.

If your goal is to earn cash back on everyday purchases or build up reward points toward free flights, then choose a general rewards program instead.

In addition to choosing which rewards program is right for you, think about other features that will impact your daily spending habits.

For example, if foreign travel is important to you but cashback makes more sense as a type of reward, opt for an international rewards card that gives higher-than-average point values abroad.

Know What Fees May Apply


Best Credit Cards In Pakistan: Credit cards may come with annual fees and other charges, but there are several things you can do to avoid paying a lot of extra money each year.

The most important thing to know about your new credit card is what it will cost you—not just in terms of interest rates or late payment fees, but also any other non-obvious charges that might crop up along the way.

Make sure your contract includes information on all applicable additional fees so that your purchase doesn’t become more expensive than expected.

If not, call customer service and ask if there are any restrictions or limitations that aren’t obvious from reading the fine print. Be sure to check on which costs might apply before agreeing to an offer.

Choose A Secure Place To Store Your Credit Card Information


Best Credit Cards In Pakistan: When it comes to credit cards, it’s important to pick a site that will be as secure as possible. You don’t want someone stealing your information and running up thousands of dollars on your bill.

One of the most secure places to keep your information is inside a password manager. Why not use all 10 digits of those numbers and letters when creating a unique password that only you know how to access?

The most popular products are LastPass and 1Password, both of which allow their users to create random passwords containing symbols, numbers, and letters. Most browsers also offer password management services.

Recommended Reading: 5 Best Platforms To Create Virtual Credit Cards (Online-Free)

Best Credit Cards In Pakistan Pros And Cons

Best Credit Cards In Pakistan: Using credit cards can have both advantages and disadvantages, depending on how they are used. Here are some pros and cons of using credit cards:

Pros:

  • Convenience: Credit cards are widely accepted, making them a convenient payment option for most purchases, including online transactions.
  • Rewards: Many credit cards offer rewards programs, such as cashback, points, or miles, that can be redeemed for travel, merchandise, or statement credits.
  • Credit building: Using a credit card responsibly and making timely payments can help establish and improve credit history, which can lead to better credit scores and loan terms.
  • Fraud protection: Credit card companies often offer zero-liability protection for fraudulent charges, which means you won’t be held responsible for unauthorized purchases.
  • Emergency funds: Credit cards can provide a source of emergency funds in case of unexpected expenses or emergencies.

Cons:

  • Debt: Using credit cards can lead to debt if the balances are not paid in full each month. Interest charges can accumulate, making it difficult to pay off the debt.
  • High-interest rates: Credit cards often have higher interest rates than other forms of credit, such as personal loans or home equity loans.
  • Fees: Credit cards may come with annual fees, late payment fees, and other charges that can add up over time.
  • Overspending: The convenience of credit cards can lead to overspending, especially if you don’t keep track of your spending and budget accordingly.
  • Credit damage: Late payments or high balances on credit cards can negatively impact your credit score, making it harder to get approved for loans or credit in the future.

Overall, credit cards can be a useful financial tool if used responsibly, but it’s important to be aware of the potential drawbacks and to use them wisely.

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 a credit card in Pakistan?

Salary persons having monthly pay of 50,000 can get credit cards from every bank to which their salary is transferred.

Business persons having good track records can also get a credit card 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 a credit card 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 credit score 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.

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