Top 10 Credit Cards in Pakistan 2025

Looking for the best credit card in Pakistan? Whether you need rewards, travel perks, or discounts, here are the top 10 credit cards you can apply for in 2025. Compare annual fees, interest rates, benefits, and requirements in this quick guide.

1. HBL Platinum Credit Card

• Annual Fee: PKR 10,000
• Interest Rate: 40% per year
• Perks: Up to 25% discount at partner restaurants & shops
• Other Benefits: Free access to 25+ airport lounges worldwide

Requirements:

• Minimum age: 21 years
• Income: PKR 200,000/year
• Must show income proof

2. Standard Chartered Visa Platinum

• Annual Fee: PKR 14,000
• Interest Rate: 42% per year
• Perks: 5% cashback on fuel, groceries, and dining
• Other Benefits: Earn points on every PKR 40 spent

Requirements:

• Age: 21–60 years
• Income: PKR 200,000/month

3. UBL Gold Credit Card

• Annual Fee: PKR 3,000
• Interest Rate: 42% per year
• Perks: 1% cash back on all purchases
• Other Benefits: Accepted globally, earn points on PKR 50

Requirements:

• Age: 21–60 years
• Income: PKR 50,000/month

4. MCB Platinum Credit Card

• Annual Fee: PKR 5,000
• Interest Rate: 39% per year
• Perks: 5% cashback on essentials
• Other Benefits: Lounge access + reward points

Requirements:

• Age: 21+
• Income: PKR 50,000/month

5. Allied Bank Visa Platinum

• Annual Fee: PKR 7,500
• Interest Rate: 32% per year
• Perks: 5% cashback on daily spending
• Other Benefits: Travel insurance + reward points

Requirements:

• Age: 21–60 years
• Income: PKR 100,000/month

6. Bank Alfalah Gold Card

• Annual Fee: PKR 11,000
• Interest Rate: 15% per year
• Perks: Up to 15% discounts at partner outlets
• Other Benefits: 0% markup on installment plans

Requirements:

• Age: 21–60 years
• Income: PKR 50,000/month

7. Faysal Bank Noor Platinum (Islamic)

• Annual Fee: PKR 6,000
• Interest: No interest – Shariah-compliant
• Perks: Discounts on travel, shopping, & dining
• Other Benefits: Halal rewards

Requirements:

• Age: 21–60 years
• Income: PKR 75,000/month

8. JS Bank Platinum Credit Card

• Annual Fee: 15,000 PKR (waived with early use)
• Interest Rate: 40% per year
• Perks: Up to 65% discounts on partner deals
• Other Benefits: Lounge access + travel insurance

Requirements:

• Age: 21–60 years
• Income: PKR 100,000/month

9. Askari Bank Platinum Credit Card

• Annual Fee: PKR 8,500
• Interest Rate: 39% per year
• Perks: Up to 10% off at restaurants and outlets
• Other Benefits: Lounge access + insurance

Requirements:

• Age: 21–60 years
• Income: PKR 80,000/month

10. Meezan Bank Visa (Islamic Credit Card)

• Annual Fee: PKR 7,000
• Interest: No conventional interest – profit-sharing model
• Perks: Discounts on halal dining & travel
• Other Benefits: Halal reward system

Requirements:

• Age: 21–60 years
• Income: PKR 70,000/month

Conclusion

Each credit card has different features. Some offer cashback, others offer travel perks or Islamic financing. Choose the card that best fits your lifestyle & income.