Best Credit Cards in Pakistan — Compare 37 Cards
Every credit card we can verify as issued in Pakistan — 37 cards from 10 banks — with the minimum salary, annual fee, interest rate and salary-transfer rule each bank publishes. Filter them below, or use the guided finder.
Best credit cards in Pakistan — our picks
One card per job, chosen by a stated rule, with the number that wins it. No bank holds two slots while another qualifies.
You do not have to move your salary to this bank.
Chosen by: Bank does not require your salary to be transferred to it, then the lowest minimum salary. Picked from 27 qualifying cards.
View on mcb.com.pk Opens MCB Bank's own page for this card
Airport lounge access.
Chosen by: Publishes airport lounge access, then the lowest annual fee. Picked from 25 qualifying cards.
Card details On Buzdy — no verified issuer link on file yet
Sharia-compliant structure, with a published profit rate of 39.96% a year.
Chosen by: Sharia-compliant card, then the lowest profit rate. Picked from 5 qualifying cards.
Go to faysalbank.com Faysal Bank's site — this card is not linked directly
At 24.96% a year this is the cheapest published rate we hold for this market — it only matters if you revolve a balance.
Chosen by: Lowest published monthly interest / profit rate in this market. Picked from 27 qualifying cards.
Go to bankalhabib.com Bank Al Habib Limited's site — this card is not linked directly
Headline cashback of up to 10% — check which categories it applies to before you assume it covers everything.
Chosen by: Highest published headline cashback rate. Picked from 10 qualifying cards.
Card details On Buzdy — no verified issuer link on file yet
Accepts a monthly salary from PKR 20,000 — the lowest published requirement in our data for this market.
Chosen by: Lowest published minimum monthly salary. Picked from 2 qualifying cards.
Go to bankalhabib.com Bank Al Habib Limited's site — this card is not linked directlyCompare all 37 Pakistan credit cards
Figures are as each bank publishes them. 2 of 37 cards state a minimum monthly salary, 0 state an annual fee, 27 state an interest or profit rate and 27 state whether a salary transfer is required. A dash means the bank does not publish that figure — not that it is zero.
Default ranking: cards are ordered by how much of the decision they let you make — how many of the four numbers (minimum salary, annual fee, rate, salary transfer) the bank publishes, then how many benefits are documented, then user rating. It is not a paid placement and it is not alphabetical. Use the sort links in the table header to rank by fee, rate or salary instead.
Showing 30 of 37 cards.
Every figure comes from the issuing bank's own published terms, stored per card. Country attribution uses the product's own market, not the bank's branch footprint, so a multinational's Hong Kong catalogue never appears here. Interest and profit rates are annualised figures as published; a few banks quote a monthly rate instead, so confirm the basis with the issuer before you compare two cards on rate alone. 2 of these 37 cards link straight to the bank's own page for that card; the rest link to the bank's site or to our card record. We do not have an application relationship with most of these issuers and do not pretend to. Verify the current terms with the bank before you apply.
Prefer to be asked?
Four questions — salary, spending, and what matters most — and we shortlist five of the 37 cards above for you.
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More about credit cards in Pakistan
The 37 cards compared above are every credit card we can attribute to Pakistan itself, from 10 issuing banks — a card is counted here only when the product's own market and the issuing bank agree, so a multinational's catalogue from another country is never folded in. Figures are in PKR as published by each bank.
Looking for a credit card, a loan or a savings account in Pakistan?
Compare what banks in Pakistan actually offer — rates, fees and eligibility, updated for 2026.
Banks we track in Pakistan
Keep going in Pakistan
Guides for Pakistan
Pakistan — frequently asked questions
Which credit cards have no annual fee in Pakistan?
X Credit Card (Standard Chartered), Saadiq Credit Card (Standard Chartered), SC Simply Cash Visa Card (Standard Chartered), SC Unlimited Cashback Card (Standard Chartered) are among the 4 cards in our Pakistan data with a zero or waived annual fee.
What is the best cashback credit card in Pakistan?
We track 17 cashback cards in Pakistan. UBL PSO AUTO CREDIT CARD from UBL Bank publishes: 5% cash back is applicable if the PSO UBL Auto Credit is swiped at selected PSO Service Stations only.1% cash.... The right one depends on where you actually spend — the finder above ranks them for your profile.
What salary do I need for a credit card in Pakistan?
Published minimum income requirements in our Pakistan data include PKR 20,000 per month.; Minimum salary AED 30,000; Minimum salary AED 15,000. Enter your salary above and the finder only shows cards you meet the stated requirement for.
How does the card finder pick a card?
It scores every card we hold for Pakistan against your salary, your biggest spending category and whether you want cashback, miles, no fee or a Shariah-compliant card, then shows the top five with the reasons for each.