Check the complete information like annual fee, interest rate, cashbacks and discounts, and requirements to apply for top best credit cards in Pakistan.
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1- HBL Platinum Credit Card
This credit card is globally accepted at over 29 million merchants. Specially tailored for those seeking premium features and exclusive privileges.
| Annual Fee | 10,000 PKR |
| Interest Rate | 40% per year |
| Discounts and Cashbacks | Up to 25% discounts at partner restaurants and retail outlets |
| Other Benefits | Access at 25+ international airport lounges |
| Requirements to Apply | Minimum age: 21 years Minimum income: 200,000 PKR per year Proof of salary or self employment with steady income |
2- Standard Chartered Visa Platinum Card
| Annual Fee | 14,000 PKR |
| Interest Rate | 42% per year |
| Discounts and Cashbacks | 5% cashback on fuel, groceries, and dining |
| Other Benefits | Get reward points on every 40 PKR spent Access to multiple events and offers |
| Requirements to Apply | Minimum age: 21 years Maximum age: 60 years Minimum income: 200,000 PKR per month |
3- UBL Gold Credit Card
| Annual Fee | 3,000 PKR |
| Interest Rate | 42% per year |
| Discounts and Cashbacks | 1% cashback on each purchase |
| Other Benefits | Get reward points on every 50 PKR spent Globally accepted by millions of merchants |
| Requirements to Apply | Minimum age: 21 years Maximum age: 60 years Minimum income: 50,000 PKR per month Proof of salary or self employment with steady income |
4- MCB Platinum Credit Card
| Annual Fee | 5,000 PKR |
| Interest Rate | 39% per year |
| Discounts and Cashbacks | 5% cashback on fuel, groceries, and dining |
| Other Benefits | Access at 25 international airport lounges Get reward points on every 50 PKR spent |
| Requirements to Apply | Minimum age: 21 years Minimum income: 50,000 PKR per month Proof of salary or self employment |
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5- Allied Bank Visa Platinum Credit Card
| Annual Fee | 7500 PKR |
| Interest Rate | 32% per year |
| Discounts and Cashbacks | 5% cashback on fuel, groceries, and dining |
| Other Benefits | Travel insurance coverage Get reward points on every 50 PKR spent |
| Requirements to Apply | Minimum age: 21 years Maximum age: 60 years Minimum income: 100,000 PKR per month Proof of salary or business ownership |
6- Bank Alfalah Gold Credit Card
| Annual Fee | 11,000 PKR |
| Interest Rate | 15% per year |
| Discounts and Cashbacks | Up to 15% discounts at partner restaurants and retail outlets |
| Other Benefits | Get reward points on every transaction Installment plans at 0% markup |
| Requirements to Apply | Minimum age: 21 years Maximum age: 60 years Minimum income: 50,000 PKR per month Proof of salary |
7- Faysal Bank Noor Platinum Card
| Annual Fee | 6000 PKR |
| Interest Rate | 18% per year |
| Discounts and Cashbacks | Exclusive discounts on dining, shopping, and travel |
| Other Benefits | Shariah-compliant card with no interest charges Get reward points on every transaction |
| Requirements to Apply | Minimum age: 21 years Maximum age: 60 years Minimum income: 75,000 PKR per month Proof of salary or employment |
8- JS Bank Platinum Credit Card
| Annual Fee | 15,000 PKR (can be waived if you spend more than 15000 PKR within first 2 months) |
| Interest Rate | 40% per year |
| Discounts and Cashbacks | Up to 65% discounts at partner restaurants and retail outlets |
| Other Benefits | Priority Pass lounge access Complimentary travel insurance |
| Requirements to Apply | Minimum age: 21 years Maximum age: 60 years Minimum income: 100,000 PKR per month Proof of employment |
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9- Askari Bank Platinum Credit Card
| Annual Fee | 8500 PKR |
| Interest Rate | 39% per year |
| Discounts and Cashbacks | Up to 10% discounts at partner restaurants and retail outlets |
| Other Benefits | Free airport lounge access Travel accident insurance |
| Requirements to Apply | Minimum age: 21 years Maximum age: 60 years Minimum income: 80,000 PKR per month Bank statement required |
10- Meezan Bank Visa Credit Card (Shariah-Compliant)
| Annual Fee | 7000 PKR |
| Interest Rate | Profit-sharing model (not conventional interest) |
| Discounts and Cashbacks | Up to 5% Discounts on Islamic travel and halal dining options |
| Other Benefits | Halal-based reward system No interest charges |
| Requirements to Apply | Minimum age: 21 years Maximum age: 60 years Minimum income: 70,000 PKR per month Salary slip and CNIC |
Reference Link:- https://www.firstcapital.com.pk/top-10-best-credit-cards-in-pakistan-2025/