Credit cards are without a doubt a very useful item to keep in our wallets, whether for financial management or for the premium perks and rewards they provide. Which credit cards are the best to keep in Pakistan? Many people, particularly salaried employees, ask this question. The truth, however, is that no single credit card is ideal for everybody. Only a few can be used by everyone, while others are exclusive and elite. In this article, we’ll look at some of the best, as well as the best of the best, credit cards to hold in Pakistan. Continue reading

Credit Cards in Pakistan

Listed below are five of the best credit cards available in Pakistan. To apply for any, call the respective bank helpline or apply online at their websites.

1. Standard Chartered Credit Cards
2. HBL Credit Cards
3. Faysal Bank Credit Cards
4. Bank Alfalah Credit Cards
5. UBL Credit Cards

Standard Chartered Credit Cards

Standard Chartered is one of the best credit card companies in Pakistan, offering some incredible credit card options that not only allow customers to make big purchases but also allow them to earn rewards and cashback. Their cardholders enjoy the benefit of having stress-free travel wherever they go. They also provide visa aid, travel desk, and emergency vehicle assistance services.

Following are some popular credit cards by Standard Chartered Bank:

• Visa Platinum Credit card: The visa platinum credit card provides individualized customer service as well as a plethora of enticing offers. Airport lounge access, flight and hotel reservation, and visa travel assistance to name a few. 

• Visa Worldmiles: For worldwide reliability and excellent services, go for the Standard Chartered VISA Worldmiles Credit Card. 

• Visa Gold Credit Card: With Visa Gold Credit Card you can avail yourself of even more exciting features and unmatched benefits. For example, it lets you have discounts at over 200+ merchants. You can also use it to enjoy highly competitive rates of balance transfer facility. 

Perks & Rewards:

When you use your Standard Chartered Visa Gold Credit Card, you will earn 1 Reward Point for every Rs.50 spent. In addition, when you spend on groceries, gas, and electronics, you can earn up to PKR 1,000 in cashback per month. 

HBL Credit Cards

HBL CreditCard is highly rewarding and comes loaded with wonderful features, special discounts, and thrilling rewards. It makes everything more enjoyable, whether it’s shopping, traveling, or dining. Right now, it is accepted at over 29 million retailers. Become a cardholder today and start enjoying the flexibility, and 24-hour convenience.

The four popular HBL credit cards are as follows:

• Platinum Creditcard: This card offers numerous benefits and is tailored to your lifestyle both at home and abroad, giving luxury, excitement, and world-class service. Enjoy free airport lounge access, amazing reward points, and exceptional deals.

• Gold Creditcard: With the HBL Gold CreditCard, you can live a more luxurious lifestyle. Enjoy huge savings on shopping, dining, and travel. Also, benefit from unique advantages like free admission to CIP Lounges all over Pakistan.

• Green Creditcard: Green credit is another great credit card you can get from the band. This card makes buying much more secure, easy, and rewarding.

• Fuel Saver Credit Card: This one is best for those who want to save on fuel. You may earn up to 5% cash back with it. 

Perks & Rewards:

HBL offers the most amazing reward programs to its customers and the fact that the collected reward points never expire is like a cherry on the top. Through the program, every time you use your HBL Credit Card, you are rewarded. In general, every 25 Rupees paid to your card earns you one point, which you can use for various incentives such as home appliances, cutting-edge technology, and eating and shopping coupons. It is important to note that once you obtain a card, you are automatically enrolled in this program.

*To apply for HBL CreditCards, call HBL Phone Banking or go to the nearest HBL branch.

Faysal Bank Credit Cards

Faysal Bank’s broad credit card family is designed to provide unparalleled services and discounts to customers whenever they travel, shop, or dine out. Enjoy their premium privileges to enhance your lifestyle! Your Faysal Bank Credit Card also makes it simple to pay your utility bills.

When it comes to Faysal bank credit cards, clients have four options.

• Blaze Credit Card: This is Pakistan’s first card with a chic look and exciting features. The card features the Master logo and is named after its distinctive appearance. Chip technology and the lavish Instant Reward Redemption program are both available on the Blaze Credit card.

• Titanium Credit Card: The Titanium Credit Card is one of the best credit cards available in Pakistan right now. It combines the benefits of Gold with certain Platinum privileges. It has a 400K–700K cash limit.

• Platinum Credit Card: Platinum Credit Card is one of the greatest solutions for entrepreneurs and business owners. It has an excellent credit range. And an absolute necessity for an updated way of living.

• World Credit Card: The World Credit Card is the first-level primary credit card. The card offers numerous domestic and foreign perks. With that, it has drawn a variety of customers.

Perks & Rewards:

You can transfer your revolving balance from any other credit card to your Faysal Bank credit card for just 2% per month in fees. Furthermore, the Faysal Bank Credit Card offers cash advances of up to 50% of your total credit limit. Holding multiple Faysal Bank credit cards also entitles you to up to 50% of your combined credit limit. Consequently, you will never run out of money! If you are the main cardholder, you may have up to 5 additional cards for anyone aged 14 and up.

Bank Alfalah Credit Cards

The chip-based credit cards from Bank Alfalah give you access to a variety of lifestyle benefits and financial privileges that let you live your life as you want. Join the country’s finest credit card family and receive exceptional services and discounts whenever you travel, buy, or dine out.

The following are the top three bank alfalah credit cards:

• Mastercard Optimus Credit Card: Whether you’re dining out, shopping, traveling, or just looking to have fun, the all-new Bank Alfalah Mastercard Optimus Credit Card has you covered in more ways than you can think.

• VISA Platinum Credit Card: As a member of the Bank Alfalah VISA Platinum Credit Card, you will receive special perks and an exceptional level of service, as well as unrivaled rewards when shopping, dining, and traveling in Pakistan and abroad.

• VISA Gold Credit Card: This card is specifically created for those who value point accumulation and travels on occasion. It bears the Visa logo, ensuring global acceptance at more than 30 million locations and ATMs worldwide.

Perks & Rewards:

Their Utility Bill Payment option saves you time by paying your utility bills using your credit card for a little cost. Enrolling in their CCP program covers your credit card bill in the event of death and accidental death or total disability.

UBL Credit Cards

Our list of best credit cards in Pakistan concludes with one that promises to be Pakistan’s most exciting and vibrant credit card brand. UBL is among the largest credit card providers in the country. The cards from the brand are preferred by the masses because of all the wonderful advantages they provide. Among the most popular features offered by UBL credit cards include a strong rewards program and remarkable fuel savings.

Below are some of their best cards:

• UBL Credit card: This one ensures both entertainment and good value. It guarantees global acceptance in over 29 million establishments worldwide.

• PSO Auto Credit Card: The UBL PSO Credit Card comes with a slew of one-of-a-kind features and remarkable rewards, making it the most rewarding card in town. Simply put, while purchasing fuel, you are going to achieve amazing cash back incentives with it.

• Visa Platinum: The UBL Platinum Visa Credit Card is designed to provide the highest degree of service while also providing unrivaled perks to improve your lifestyle. There is no limit to what your Credit Card may now achieve for you with the Platinum Card.

Perks & Rewards:

As said earlier, your UBL PSO Credit Card offers you some extraordinary benefits that you simply cannot pass up. When you use it to buy fuel, you get cash back. If the PSO UBL Auto Credit is used at PSO Service Stations exclusively, a 5% cash back is applied. Similarly, with a UBL VISA Platinum Credit Card, you can enjoy the comfort of VIP Lounges at airports worldwide. While you wait for your flight, make use of amenities like refreshments, newspapers, snacks, internet connections, and more.

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