Last updated: August 2, 2026 · Credit cards compared: 15 · Data source: issuer product pages, recorded in the Buzdy database · cited pages where we hold them
Reviewed by Zia Shahid, Buzdy Banking Editor · Our methodology
? In this guide
Looking for a credit card in Pakistan in 2026? We hold verified data on 37 credit cards in Pakistan and show the top 15 here. Every figure below is printed from the record Buzdy holds for that product, taken from the issuer's own published material — where a bank does not publish a number, this guide says Not published rather than guessing. We link the exact issuer page under Sources for every product where we have recorded it; for the rest we hold the figure but not the page, and say so.
How this list is ordered. Ranked on the data we actually hold: cards with no annual fee first, then by how many benefits we can verify from the issuer's own product page, then by the lowest published interest rate, then by the lowest published minimum income. We then rotate one card per bank so a single issuer cannot fill the list.
This is not a complete list of every credit card sold in Pakistan. It is the set Buzdy has verified data for, from 10 issuers, as of August 2, 2026.
Quick Comparison: 15 Credit Cards in Pakistan
Side by side, in the order explained above. Tap any name for the full product page.
| Credit card | Bank | Annual fee | Interest rate | Verified benefits | Details |
|---|---|---|---|---|---|
| 1. American Gold Credit Card | bank alfalah | Not published | 39.96% per month | Airport lounge, Cashback, Rewards points, Travel benefits | View → |
| 2. Faysal Bank World Credit Card | Faysal Bank | Not published | 39.96% per month | Airport lounge, Rewards points, Travel benefits, Dining offers | View → |
| 3. HBL CreditCard – Contactless | HBL Bank | Not published | 42% per month | Airport lounge, Rewards points, Travel benefits, Dining offers | View → |
| 4. PIA Co-Brand Credit Card | Askari Bank Limited | Not published | 38.4% per month | Airport lounge, Rewards points, Travel benefits, Dining offers | View → |
| 5. MCB Visa Platinum Credit Card | MCB Bank | Not published | 39.96% per month | Airport lounge, Rewards points, Travel benefits, Dining offers | View → |
| 6. UBL CREDIT CARD | UBL Bank | Not published | 44.04% per month | Airport lounge, Rewards points, Travel benefits, Dining offers | View → |
| 7. JS Visa Platinum Credit Cards | JS Bank | Not published | 50.04% per month | Airport lounge, Cashback, Travel benefits, Dining offers | View → |
| 8. Master World Credit Card | Standard Chartered | Not published | Not published | Airport lounge, Cashback, Travel benefits, Dining offers | View → |
| 9. ALLIED VISA CREDIT CARD | Allied bank Pakisatn | Not published | 33.96% per month | Airport lounge, Travel benefits, Digital wallet, Shopping offers | View → |
| 10. Master Credit Card GOLD | Bank Al Habib Limited | Not published | 24.96% per month | Rewards points, Dining offers, Shopping offers, Supplementary cards | View → |
| 11. Alfalah Ultra Cashback Card | bank alfalah | Not published | 39.96% per month | Cashback, Rewards points, Dining offers, Digital wallet | View → |
| 12. Blaze Credit Card | Faysal Bank | Not published | 39.96% per month | Airport lounge, Rewards points, Travel benefits, Dining offers | View → |
| 13. HBL Platinum CreditCard | HBL Bank | Not published | 42% per month | Airport lounge, Travel benefits, Dining offers, Digital wallet | View → |
| 14. MCB Visa Gold Credit Card | MCB Bank | Not published | 39.96% per month | Airport lounge, Travel benefits, Dining offers, Shopping offers | View → |
| 15. UBL VISA PLATINUM | UBL Bank | Not published | 44.04% per month | Airport lounge, Travel benefits, Dining offers, Shopping offers | View → |
The 15 Credit Cards in Detail
1. American Gold Credit Card
Bank: bank alfalah
- Annual fee: Not published
- Interest rate: 39.96% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Cashback, Rewards points, Travel benefits, Dining offers, Shopping offers, Entertainment, Hotel offers, Supplementary cards
American Express Gold Credit Card is recognized worldwide and is designed to provide superior benefits, privileges and service to Cardmembers along with 24/7 access to travel, medical and legal advice around the globe.
2. Faysal Bank World Credit Card
Bank: Faysal Bank
- Annual fee: Not published
- Interest rate: 39.96% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Rewards points, Travel benefits, Dining offers, Shopping offers, Entertainment, Hotel offers, Supplementary cards, Sharia compliant
Faysal Bank World Credit Card offers LoungeKey access at 450+ airports, reward points redeemable at retail outlets or convertible to AirBlue miles for free flights, Chip and PIN with 3D Secure, contactless tap payments, DigiMall installment plans, and restaurant discounts.
3. HBL CreditCard – Contactless
Bank: HBL Bank
- Annual fee: Not published
- Interest rate: 42% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Rewards points, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Your HBL CreditCard now comes with contactless technology, for more convenient transactions. Contactless technology does not require you to swipe your credit card or enter your PIN code into the POS machine. This makes your payments faster and easier, reducing the need for you to carry cash. Moreover, with contactle...
4. PIA Co-Brand Credit Card
Bank: Askari Bank Limited
- Annual fee: Not published
- Interest rate: 38.4% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Rewards points, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Supplementary cards
The Askari-PIA Co-Brand Credit Card is a travel-focused Mastercard issued by Askari Bank in partnership with Pakistan International Airlines, offering accelerated Air Mile earning on all spending. Cardholders enjoy up to 51 interest-free days, access to local and international departure lounges, supplementary cards,...
5. MCB Visa Platinum Credit Card
Bank: MCB Bank
- Annual fee: Not published
- Interest rate: 39.96% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Rewards points, Travel benefits, Dining offers, Shopping offers, Entertainment, Hotel offers, Supplementary cards
MCB Visa Platinum Credit Card is the most reliable, competitive and gratifying Credit Card offering a tantalising mix of luxurious shopping, dining and travelling opportunities, which will undoubtedly be a treat for you and your family.
6. UBL CREDIT CARD
Bank: UBL Bank
- Annual fee: Not published
- Interest rate: 44.04% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Rewards points, Travel benefits, Dining offers, Shopping offers, Entertainment, Supplementary cards
Welcome to the world of UBL Credit Cards. Pakistan's 1st Chip Credit Card that guarantees you both enjoyment and high value. It assures you global acceptability in more than 29 million establishments worldwide.
7. JS Visa Platinum Credit Cards
Bank: JS Bank
- Annual fee: Not published
- Interest rate: 50.04% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Cashback, Travel benefits, Dining offers, Shopping offers, Entertainment, Supplementary cards
JS Bank offers you a Credit Card which empowers you to shop at millions of locations worldwide facilitated with amazing discounts offered globally at different outlets. JS Bank VISA Credit Card offers unbeatable and many more advantages which would fulfill your credit, spending and lifestyle needs. Your card is acce...
8. Master World Credit Card
Bank: Standard Chartered
- Annual fee: Not published
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: Airport lounge, Cashback, Travel benefits, Dining offers, Shopping offers, Entertainment, Hotel offers
Your ultimate travel partner for making everyday unforgettable with exclusive perks and privileges from around the world.
9. ALLIED VISA CREDIT CARD
Bank: Allied bank Pakisatn
- Annual fee: Not published
- Interest rate: 33.96% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Digital wallet, Shopping offers, Supplementary cards
With your Allied Visa Credit Card, you can enjoy a variety of state-of-the-art features and unmatched value by spending at over 49,000 merchants across Pakistan and 27 million merchant outlets worldwide! And what more, you can also use your credit card at over 1 million ATMs internationally!
10. Master Credit Card GOLD
Bank: Bank Al Habib Limited
- Annual fee: Not published
- Interest rate: 24.96% per month
- Minimum income: PKR 20,000 / month (PKR 20,000 per month.)
- Verified benefits: Rewards points, Dining offers, Shopping offers, Supplementary cards
Enjoy financial freedom as you can buy now and pay later at your convenience. There are up to 51 credit-free days. Choose the Card that suits your lifestyle.
11. Alfalah Ultra Cashback Card
Bank: bank alfalah
- Annual fee: Not published
- Interest rate: 39.96% per month
- Minimum income: Not published
- Verified benefits: Cashback, Rewards points, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Welcome to the world of Bank Alfalah Ultra Cashback Card! builds upon Bank Alfalah’s innovation to change your lifestyle, letting you live life your way. With Ultra, you can select 2 of the 6 spend categories and avail a 7% Cashback. You can receive up to PKR 12,000 a year in Cashback!
12. Blaze Credit Card
Bank: Faysal Bank
- Annual fee: Not published
- Interest rate: 39.96% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Rewards points, Travel benefits, Dining offers, Shopping offers, Entertainment, Supplementary cards, Sharia compliant
Your Faysal Bank Blaze Credit Card comes with Smart Chip, Smart Technology, Smart Card and Multiple benefits.
13. HBL Platinum CreditCard
Bank: HBL Bank
- Annual fee: Not published
- Interest rate: 42% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Digital wallet, Shopping offers, Entertainment, Hotel offers, Supplementary cards
Access to airport lounges regardless of class of ticket or airline Complimentary drinks and snacks Complimentary newspapers and magazines Wi-Fi, laptop and mobile charging facilities Conference rooms and entertainment facilities
14. MCB Visa Gold Credit Card
Bank: MCB Bank
- Annual fee: Not published
- Interest rate: 39.96% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Shopping offers, Hotel offers, Supplementary cards
MCB Visa Gold Credit Card offers reward points redeemable via i-shop virtual mall, 0% markup i-plan installments on purchases above PKR 3000, cash advance up to 75% of credit limit, i-secure fraud protection on all transactions, and 24/7 call center for Easy Cash facility.
15. UBL VISA PLATINUM
Bank: UBL Bank
- Annual fee: Not published
- Interest rate: 44.04% per month
- Minimum income: Not published
- Verified benefits: Airport lounge, Travel benefits, Dining offers, Shopping offers, Entertainment, Hotel offers, Supplementary cards
UBL Platinum Visa Credit Card is designed to guarantee the utmost level of services coupled with unmatched rewards and benefits to you lifestyles. With the Platinum Card, there is no limit to what your Credit Card can now do for you.
7 Smart Tips Before You Apply
What banks won't put in their marketing — but every smart applicant should know.
- Compare APR, not just headline rates. The advertised "low interest" is usually a promo. The real cost is the Annual Percentage Rate (APR) after fees, balance transfer charges, and FX markups. A 1.5% monthly rate is actually ~19.6% APR.
- Read the small print on rewards. Banks advertise "5% cashback" but cap it at $20/month. After the cap, you earn 0.5%. Always check the monthly cap, eligible merchants, and minimum spend requirements.
- Know your credit profile before applying. Each rejected application damages your credit score. Use the bank's pre-qualification check (soft pull) before submitting a formal application (hard pull).
- Avoid cash advances at all costs. Cash advance APR is usually 5-10% higher than purchase APR, with no grace period and an upfront fee of 2-5% of the amount. Use only in emergencies.
- Set up direct debit for the full balance. Paying only the minimum (often 5% of balance) means interest accrues on the rest. A balance of $1,000 paid at minimum costs ~$1,400 in interest over 5 years.
- Use foreign-fee-free cards abroad. Standard cards charge 2-3% on every foreign transaction plus FX markup. Travel cards charge 0%. On a $3,000 holiday, that's $90 saved.
- Watch the annual fee waiver conditions. Many premium cards waive fees in year 1 only or require a minimum annual spend (e.g. $5,000) to keep the waiver. Set a reminder before renewal.
Common Mistakes to Avoid
The five most expensive errors people make with credit cards:
- Applying for too many cards at once. Each application is a hard credit pull. 3+ pulls in 6 months drops your score 30-50 points. Space out applications by at least 90 days.
- Only paying the minimum. If you have $5,000 balance at 24% APR and pay only the minimum (5%), you'll pay $1,500+ in interest before clearing the debt. Always pay in full when possible.
- Ignoring the fine print on welcome bonuses. "Get $200 cashback!" usually requires spending $3,000 in 90 days. Read the qualifying spend, the eligible categories, and the payout timeline.
- Not using benefits you've already paid for. If you pay a $400 annual fee for a card with airport lounge access, lost-baggage insurance, and concierge — use them. Most users don't claim 80% of what they paid for.
- Treating credit cards as free money. They're high-cost short-term loans. The minimum payment cycle is designed to keep you indebted for 7-10 years on average.
How to Choose the Right Credit card in Pakistan
- Annual fees — compare across banks, some offer zero fee for the first year
- Interest rates — lower rates save money if you carry a balance
- Rewards and benefits — match to your spending habits
- Eligibility — salary and documentation requirements vary by bank
- Digital access — mobile app, internet banking, contactless payments
- Customer support — 24/7 helpline, branch network, dispute resolution time
- Regulation — check the issuer's licence on the State Bank of Pakistan (SBP) public register before you apply
Frequently Asked Questions: Credit cards in Pakistan
What is the best credit card in Pakistan for 2026?
The best credit card depends on your priorities — income level, spending habits, and eligibility. Use the comparison table above to filter by rate, benefits, and bank. For premium benefits with worldwide acceptance, look at Platinum tier cards. For low income requirements, classic tier cards offer easier eligibility. Compare the 15 products in this guide above.
What credit score do I need for a credit card in Pakistan?
Buzdy does not hold credit-score or credit-bureau data, and each bank sets its own threshold. Of the 15 products in this guide, 1 publish a minimum income requirement — the lowest is PKR 20,000 a month (Master Credit Card GOLD, Bank Al Habib Limited). The other 14 do not publish one on their product page.
Can I apply online for a credit card in Pakistan?
Yes, most major banks in Pakistan now offer fully online applications. Tap "View" on any credit card above to start the application process directly with the bank.
What documents do I need?
Standard documents: valid government ID, tax identification number, proof of address (utility bill or rental agreement), latest 3 months of payslips (for salaried applicants) or 6 months of bank statements (self-employed), and a recent passport-size photograph. Exact requirements vary by bank.
Are these credit cards regulated and safe?
Retail banking in Pakistan is supervised by State Bank of Pakistan (SBP). Buzdy has not individually verified the licence status of each issuer on this page, so check the regulator’s own public register before you apply — and escalate an unresolved dispute there.
Can I get a credit card if I am self-employed in Pakistan?
Yes. Self-employed applicants typically need: business registration, latest tax returns, 6 months of bank statements, and audited financials (for higher tiers). Approval rates are lower than for salaried applicants but several banks specifically cater to small business owners.
What happens if I default on payments?
Missed payments trigger late fees, a credit-score drop, and a higher interest rate going forward. After 90 days of non-payment, the account goes to collections and is reported to credit bureaus. Contact your bank BEFORE missing a payment if you have trouble — most banks offer hardship plans.
Related Guides for Pakistan
- All banks in Pakistan
- Bank branches across Pakistan
- Credit Cards In Pakistan 2026
- Personal Loans In Pakistan 2026
- Savings Accounts In Pakistan 2026
- Pakistan EMI calculator
- Pakistan savings calculator
How We Compare
Our editorial team reviews each product based on annual fees, interest rates, rewards programs, eligibility requirements, and verified bank disclosures. We update this comparison regularly to reflect the latest offers. Data is sourced from official bank websites and verified where regulatory filings are publicly available.
Buzdy compares products from 555 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.
Disclosure: Buzdy may earn a referral commission when you apply through links on our site. Commissions never influence rankings. Read our full editorial standards.
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