Looking for the best credit cards with the lowest fees, best rewards, and exclusive benefits in Pakistan? We've analyzed 5 Credit Cards from top banks operating in Pakistan to help you find the perfect match for your needs.
Whether you're an expat, a local resident, or a business professional, this guide covers everything from annual fees and interest rates to rewards programs and eligibility requirements. All data is sourced directly from bank product listings and updated regularly.
Top 5 Credit Cards in Pakistan (2026)
1. MCB Visa Gold Credit Card
Bank: MCB Bank
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Interest Rate: 3.33% per month
- Key Benefits: Hotel Discounts & Offers, Global Acceptance, Exclusive Discounts, Lounge Access, Travel Benefits, Dinning Benefits
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 pro...
2. UBL CREDIT CARD
Bank: UBL Bank
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Interest Rate: 3.67% per month
- Key Benefits: Fuel Back, Exclusive Discounts, Global Acceptance, Lounge Access, Travel Benefits, Dinning Benefits
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...
3. UBL PSO AUTO CREDIT CARD
Bank: UBL Bank
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Interest Rate: 3.67% per month
- Key Benefits: Fuel Back, Exclusive Discounts, Global Acceptance, Interest Free Days, Minimum Age (Years), No. of Supplementary Cards
Welcome to a whole new world of UBL Credit Cards the most vibrant, innovative and exciting credit card brand in Pakistan. With the introduction of UBL PSO Auto Credit Card, there is no limit to what y...
4. UBL VISA PLATINUM
Bank: UBL Bank
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Interest Rate: 3.67% per month
- Key Benefits: Fuel Back, Exclusive Discounts, Hotel Discounts & Offers, Global Acceptance, Lounge Access, Visa Assistance
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 you...
5. HBL Platinum CreditCard
Bank: HBL Bank
- Annual Fee: Contact bank
- Minimum Salary: Not specified
- Interest Rate: 3.50% per month
- Key Benefits: Hotel Discounts & Offers, Global Acceptance, Exclusive Discounts, Lounge Access, Travel Benefits, Dinning Benefits
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 ro...
How to Choose the Right Card
When comparing Credit Cards in Pakistan, consider these factors:
- Annual Fee: Some cards offer zero annual fees, while premium cards with lounge access and travel insurance may charge higher fees but offer greater value.
- Minimum Salary: Each bank has different eligibility requirements. Cards with lower salary requirements are easier to qualify for.
- Rewards & Cashback: Look for cards that match your spending habits — dining, travel, shopping, or fuel.
- Interest Rate: If you plan to carry a balance, compare the monthly interest rates carefully.
Compare All Credit Cards in Pakistan
Want to see all available options? Compare all Credit Cards in Pakistan →
Last updated: April 2026. All information is for comparison purposes only. Please verify details directly with the bank before applying.
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