Last updated: June 23, 2026 · Credit cards compared: 15 · Data source: Official bank product pages
Reviewed by Zia Shahid, Buzdy Banking Editor · Our methodology
? In this guide
Looking for the best credit card in Pakistan in 2026? We compared 15 credit cards from top banks in Pakistan to help you find the right one for your needs, income, and lifestyle.
This guide covers fees, interest rates, eligibility, rewards, and key benefits for every option. All data is sourced from official bank product pages and updated as of June 23, 2026. Every option is from a bank regulated by State Bank of Pakistan (SBP).
Quick Comparison: All 15 Credit cards in Pakistan
Side-by-side comparison of every credit card option in Pakistan as of June 23, 2026. Tap any name for full details.
| Credit card | Bank | Rate / Eligibility | Top Features | Apply |
|---|---|---|---|---|
| 1. MasterCard "Platinum Card" | Al Baraka Islamic Ba… | 1.80% per month | Hotel Discounts & Offers, Chip/Pin, Supplementary Ca… | View → |
| 2. MasterCard "Titanium Card" | Al Baraka Islamic Ba… | 1.80% per month | Hotel Discounts & Offers, Chip/Pin, Supplementary Ca… | View → |
| 3. MasterCard "World Card" | Al Baraka Islamic Ba… | 1.80% per month | Hotel Discounts & Offers, Chip/Pin, Supplementary Ca… | View → |
| 4. ALLIED VISA CREDIT CARD | Allied bank Pakisatn | 2.83% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 5. PIA Co-Brand Credit Card | Askari Bank Limited | 3.20% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 6. Master Credit Card GOLD | Bank Al Habib Limited | 2.08% per month | Shopping Discounts, Dinning Benefits, Lifestyle Priv… | View → |
| 7. Master Credit Card GREEN | Bank Al Habib Limited | 2.08% per month | Shopping Discounts, Lifestyle Privileges, Global Acc… | View → |
| 8. Alfalah Ultra Cashback Card | bank alfalah | 3.33% per month | Shopping Discounts, Dinning Benefits, Purchase Prote… | View → |
| 9. Alfalah VISA Corporate Card | bank alfalah | 3.33% per month | Shopping Discounts, Travel Benefits, Dinning Benefit… | View → |
| 10. Alfalah VISA Gold Credit Card | bank alfalah | 3.33% per month | Shopping Discounts, Travel Benefits, Dinning Benefit… | View → |
| 11. American Gold Credit Card | bank alfalah | 3.33% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 12. VISA Classic Credit Card | bank alfalah | 3.33% per month | Shopping Discounts, Travel Benefits, Dinning Benefit… | View → |
| 13. VISA Platinum Credit Card | bank alfalah | 3.33% per month | Shopping Discounts, Travel Benefits, Lounge Access, … | View → |
| 14. Al Islami Classic Charge Card | Dubai Islamic Bank | 2.99% per month | Shopping Discounts, Travel Benefits, Dinning Benefit… | View → |
| 15. Al Islami Gold Charge Card | Dubai Islamic Bank | 2.99% per month | Shopping Discounts, Dinning Benefits, Purchase Prote… | View → |
Top 15 Credit Cards in Pakistan (2026)
1. MasterCard "Platinum Card"
Bank: Al Baraka Islamic Bank B.S.C.
- Interest Rate: 1.80% per month
- Salary/Eligibility: Not Required
- Benefits: Hotel Discounts & Offers, Chip/Pin, Supplementary Cards, Interest Free Days
With your MasterCard Platinum Credit Card, you can unlock new possibilities with every tap. Not only getting the experience of the most competitive fees on the market, but you would gain the access to
2. MasterCard "Titanium Card"
Bank: Al Baraka Islamic Bank B.S.C.
- Interest Rate: 1.80% per month
- Salary/Eligibility: Not Required
- Benefits: Hotel Discounts & Offers, Chip/Pin, Supplementary Cards, Interest Free Days, Internet Banking
Discover a world of opportunities and rewards with MasterCard Titanium Credit Card. As part of our commitment to create new possibilities for our customers to enjoy premium products and services, we a
3. MasterCard "World Card"
Bank: Al Baraka Islamic Bank B.S.C.
- Interest Rate: 1.80% per month
- Salary/Eligibility: Not Required
- Supplementary Cards: 3
- Benefits: Hotel Discounts & Offers, Chip/Pin, Supplementary Cards, Interest Free Days
Unlock a world of travel, lifestyle, and insurance benefits with the new and exclusive MasterCard World Credit Card. Enjoy the flexibility to explore the places and pursuits that matter most to you an
4. ALLIED VISA CREDIT CARD
Bank: Allied bank Pakisatn
- Interest Rate: 2.83% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Purchase Protection, Digital Wallet, Lifestyle Privileges
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 worldwi
5. PIA Co-Brand Credit Card
Bank: Askari Bank Limited
- Interest Rate: 3.20% per month
- Salary/Eligibility: Not Required
- Interest Free Days: Up to 51 days
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
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. Car
6. Master Credit Card GOLD
Bank: Bank Al Habib Limited
- Interest Rate: 2.08% per month
- Salary/Eligibility: Not Required
- Rewards: Points Expire on first in first out Basis, if Unutilized within One Year of Reward
- Benefits: Shopping Discounts, Dinning Benefits, Lifestyle Privileges, Global Acceptance, Supplementary Cards, Interest Free Days
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.
7. Master Credit Card GREEN
Bank: Bank Al Habib Limited
- Interest Rate: 2.08% per month
- Salary/Eligibility: Not Required
- Rewards: Points Expire on first in first out Basis, if Unutilized within One Year of Reward
- Benefits: Shopping Discounts, Lifestyle Privileges, Global Acceptance, Supplementary Cards, Interest Free Days, Internet Banking
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.
8. Alfalah Ultra Cashback Card
Bank: bank alfalah
- Interest Rate: 3.33% per month
- Salary/Eligibility: Not Required
- Cashback: Bank Alfalah Ultra Cashback Card comes packed with a 100+ dining and lifestyle partner discounts.
- Benefits: Shopping Discounts, Dinning Benefits, Purchase Protection, Digital Wallet, Entertainment Benefits, Hotel Discounts & Offers
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
9. Alfalah VISA Corporate Card
Bank: bank alfalah
- Interest Rate: 3.33% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Purchase Protection, Entertainment Benefits, Hotel Discounts & Offers
The card is specially designed to manage the financial aspects and requirements of your company and business needs beyond borders. The corporate card is based on Visa credit card platform; this card p
10. Alfalah VISA Gold Credit Card
Bank: bank alfalah
- Interest Rate: 3.33% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Purchase Protection, Entertainment Benefits, Hotel Discounts & Offers
As a Bank Alfalah VISA Credit Card member, you can enjoy numerous benefits and privileges. This card is specially designed for a segment which prefers point accumulation and occasionally travels.
11. American Gold Credit Card
Bank: bank alfalah
- Interest Rate: 3.33% per month
- Salary/Eligibility: Not Required
- Cashback: Earn 1% unlimited cashback on all local retail spend and 1.5% unlimited cashback on all international retail spend on the American Express Gold Credit Card.
- Supplementary Cards: 4
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Entertainment Benefits
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
12. VISA Classic Credit Card
Bank: bank alfalah
- Interest Rate: 3.33% per month
- Salary/Eligibility: Not Required
- Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Purchase Protection, Entertainment Benefits, Hotel Discounts & Offers
As a Bank Alfalah VISA Classic Credit Card member, you can enjoy numerous benefits and privileges. This card is designed for customers who are predominately young and salaried.
13. VISA Platinum Credit Card
Bank: bank alfalah
- Interest Rate: 3.33% per month
- Salary/Eligibility: Not Required
- Supplementary Cards: 6
- Benefits: Shopping Discounts, Travel Benefits, Lounge Access, Dinning Benefits, Purchase Protection, Digital Wallet
As a Bank Alfalah VISA Platinum Credit Card member, now you have more power with great privileges for your lifestyle and travel needs. Enjoy exclusive benefits and an unparalleled level of service, co
14. Al Islami Classic Charge Card
Bank: Dubai Islamic Bank
- Interest Rate: 2.99% per month
- Salary/Eligibility: Preferred
- Rewards: Walaa Rewards on all transactions
- Benefits: Shopping Discounts, Travel Benefits, Dinning Benefits, Purchase Protection, Digital Wallet, Entertainment Benefits
The Al Islami Classic Charge Card is a Shariah-compliant Visa card with no annual fee and a low income requirement of AED 5,000/month. Earn 0.5% rewards on all retail spends redeemable for flights and
15. Al Islami Gold Charge Card
Bank: Dubai Islamic Bank
- Interest Rate: 2.99% per month
- Salary/Eligibility: Preferred
- Rewards: Walaa Rewards on all transactions
- Benefits: Shopping Discounts, Dinning Benefits, Purchase Protection, Digital Wallet, Lifestyle Privileges, Global Acceptance
Al Islami Gold Charge Card___ Look forward to a more rewarding experience every time you use your Al Islami Gold Charge Card.
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 — all products listed are from banks regulated by State Bank of Pakistan (SBP)
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 all 15 options on this page.
What credit score do I need for a credit card in Pakistan?
Most banks in Pakistan require a clean credit history with no defaults in the last 5 years. Premium products typically require higher monthly income. Each bank publishes its own minimum on the 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?
Yes — all 15 options listed are from banks regulated by State Bank of Pakistan (SBP). Consumer disputes can be escalated to the regulator if a bank does not resolve the issue.
What are the typical fees in Pakistan?
Fees vary by tier and bank: classic cards typically PKR 0–1,500/year, gold PKR 1,500–3,000, platinum PKR 3,000–10,000. Many banks waive the first year. Always check the product page for the exact fee schedule.
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 (typically PKR 500–2,000), 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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