Top 10 Best Credit Cards In Pakistan 2025
Wire desk byline Sourced from Xinhua, Dawn, Arab News, Anadolu and Minute Mirror. Translated and abridged by the GSRRA Desk.
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/
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Prof. Engr. Zamir Ahmed Awan Founder & Chair, Global Silk Route Research Alliance
Zamir Ahmed Awan is the founder and Chair of the Global Silk Route Research Alliance, a think tank in Islamabad. He studied engineering at Shanghai University in the 1980s, and years later he went back to China as Pakistan's science counsellor in Beijing, from 2010 until 2016, working on science and higher education cooperation between the two countries.…
