As financial tools become increasingly vital for daily convenience, travel, online purchases, and emergency expenses, the role of credit cards in Pakistan continues to grow. With numerous banks offering a variety of cards tailored for different lifestyles and financial needs, selecting the right card requires an understanding of interest rates, annual fees, and key features. Here’s a breakdown of some of the most popular credit cards offered by Pakistani banks in 2025.

Faysal Islami Noor Cards: Shariah-Compliant Options

Faysal Bank offers a unique range of Shariah-compliant credit cards, branded under the "Noor Card" series. These are ideal for those who prefer Islamic banking principles. Each card tier caters to different spending needs:

  • Velocity / Classic Card: Annual fee of Rs. 4,000 with a high interest rate ranging from 40% to 42%. Suitable for basic users.

  • Blaze / Gold Card: With a fee of Rs. 6,750, this card offers more value-added features.

  • Titanium Card: Annual fee is Rs. 7,750. Ideal for moderate to high spenders.

  • Platinum Card: Priced at Rs. 10,000 annually, it comes with premium benefits.

  • World Card: For elite users, the fee is Rs. 16,000 with similar interest rates of 40%-42%.

UBL Credit Cards: Variety with Consistent Rates

United Bank Limited (UBL) offers several credit cards suited to different customer segments:

  • Visa Gold PSO Auto Card: Targets fuel consumers with a fee of Rs. 4,000.

  • Visa Platinum Card: Offers additional travel and purchase protections for Rs. 6,000.

  • Visa Gold & Silver Cards: The Gold card is priced at Rs. 6,500 and the Silver at just Rs. 2,000. All UBL cards maintain a 40% interest rate.

Bank Al-Habib Credit Cards: Low Interest, No Annual Fees

Bank Al-Habib distinguishes itself by offering zero annual fee credit cards:

  • Green and Gold Credit Cards: Both come with a 25% interest rate, making them among the most competitive in Pakistan. These cards are suitable for budget-conscious users or first-time cardholders.

Askari Bank Credit Cards: Broad Range for All Users

Askari Bank provides multiple options with reasonable interest rates:

  • Classic MasterCard: Rs. 3,000 annual fee, 38.4% interest.

  • Gold MasterCard: Priced at Rs. 5,000.

  • Platinum MasterCard: Rs. 6,500 annually.

  • World MasterCard: High-end offering with a lower interest rate of 36%, but a higher fee of Rs. 8,000.

Bank Alfalah Credit Card

The Alfalah VISA Platinum Credit Card is a great pick due to its zero annual fee and competitive 40% interest rate. It's a strong contender for mid- to high-income earners looking for flexibility without maintenance costs.

MCB Bank Credit Cards: No-Fee Convenience

MCB offers a range of credit cards — Classic, Gold, and Platinum — all with a 39% interest rate and zero annual fee. This makes them appealing for individuals seeking reliable spending options with no recurring charges.

HBL Credit Cards: Focused on Fuel and Lifestyle

Habib Bank Limited (HBL) caters to both fuel and premium markets:

  • FuelSaver Green & Gold Cards: Annual fees of Rs. 3,000 and Rs. 6,000, respectively. Ideal for frequent drivers.

  • Green, Gold, and Platinum Cards: All have a 39% interest rate, with the Platinum costing Rs. 10,000 annually.

Standard Chartered Credit Cards: For Travel & Cashback

Standard Chartered Bank provides diversified options:

  • WorldMiles Credit Card: Travel-focused card with an interest rate of 42% and an Rs. 8,000 fee.

  • Easy Card (MasterCard): Lower interest rate of 36%, Rs. 3,000 annual fee.

  • Cashback Card: Offers cashback rewards with a 42% interest rate, priced at Rs. 3,000.

Allied Bank Credit Cards: Mid-Tier and Affordable

Allied Bank provides:

  • Visa Platinum: Rs. 4,000 annual fee and 32% interest rate.

  • Visa Gold: More affordable at Rs. 2,000 annually with the same interest rate.

JS Bank Credit Cards: No-Fee Simplicity

JS Bank offers Platinum, Gold, and Classic Credit Cards, all with 40% interest rates and no annual fees — a smart option for users looking for low-maintenance credit solutions.

Silk Bank Credit Cards: Premium Options

  • Gold Visa Credit Card: Rs. 4,000 annual fee, 42% interest rate.

  • Platinum Visa Credit Card: Rs. 8,000 with the same interest rate, ideal for users who seek exclusive privileges.

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