Choosing the best credit card in Pakistan in 2025 is more important than ever. As digital payments continue to grow, selecting the right credit card can help you save money, earn rewards, and enjoy exclusive perks. Whether you’re looking for cashback, travel benefits, or Shariah-compliant options, the right credit card can make a significant difference in your financial life.
In 2025, Pakistan’s credit card landscape offers a variety of options tailored to different needs. For instance, the HBL Platinum Credit Card provides up to 25% discounts at partner restaurants and retail outlets, along with access to over 25 international airport lounges. Similarly, the Standard Chartered Visa Platinum Card offers 5% cashback on fuel, groceries, and dining, plus reward points on every PKR 40 spent. For those seeking Shariah-compliant options, the Meezan Titanium Mastercard Credit Card offers exclusive discounts on dining, travel, and shopping without any interest charges
Despite the benefits, the number of credit card users in Pakistan has seen a slight decline, dropping to 2.004 million by the end of the second quarter of FY24, down from 2.069 million in the first quarter. This decline is attributed to higher interest rates and the emergence of alternative financial products.
In this article, we’ll explore the top credit cards in Pakistan for 2025, highlighting their features, benefits, and how they can align with your financial goals. Whether you’re a frequent traveler, a savvy shopper, or someone seeking ethical banking options, there’s a credit card designed to meet your needs.
Factors to Consider When Choosing a Credit Card in Pakistan
Choosing the right credit card in Pakistan can be a game-changer for managing your finances in 2025. But before picking a card, there are a few important factors you should always keep in mind. These will help you find the best card that fits your budget and lifestyle.
- First, annual fees matter a lot. Some credit cards have low or no annual fees, while others charge higher fees but offer more benefits. For example, many people prefer cards like UBL Gold that have a reasonable fee, while premium cards might charge more but give you extra perks. So, compare cards carefully to find a fee that makes sense for you.
- Next, the interest rate, or APR, is key if you plan to carry a balance month to month. Credit cards in Pakistan usually have interest rates around 35-40% per year. The higher the interest rate, the more you pay if you don’t clear your bill on time. Always check this before applying.
- One of the biggest benefits of credit cards is the rewards and cashback offers. Cards like Standard Chartered Visa Platinum give you 5% cashback on fuel and groceries, which can save you real money every month. Some cards also offer reward points or miles you can use for shopping or travel.
- Speaking of travel, many cards now come with travel perks like free lounge access at airports, travel insurance, and discounts on flights or hotels. If you travel often, these perks can add a lot of value.
- For those looking for religiously compatible options, Shariah-compliant credit cards are available in Pakistan. Banks like Meezan offer cards that follow Islamic banking rules, which means no interest charges and ethical use of your money.
Finally, don’t forget about eligibility criteria. Most banks require you to be at least 21 years old and have a minimum monthly income, which varies depending on the card type. Make sure you meet these requirements before applying to save time and effort.
By keeping these factors in mind annual fees, interest rates, rewards, travel benefits, Shariah compliance, and eligibility you can choose a credit card in Pakistan that truly works for you in 2025.
Top Credit Cards in Pakistan for 2025
HBL Platinum Credit Card
When it comes to premium credit cards in Pakistan, the HBL Platinum Credit Card stands out in 2025 for frequent travelers and those who want the best perks. This card comes with an annual fee of PKR 10,000, which is reasonable for the premium benefits it offers.
The interest rate is 40% per annum, so it’s important to pay your balance on time to avoid high charges. But if you do, the card rewards you well. One of the biggest benefits of the HBL Platinum card is the up to 25% discount at partner restaurants and retail outlets. This means you can save a good amount when you shop or dine out. Plus, the card gives you access to over 25 international airport lounges, making your travel experience much more comfortable and luxurious.
To get this card, you need to be at least 21 years old and have a minimum income of PKR 200,000 per year. This makes it perfect for professionals and frequent travelers who want premium perks and great savings. If you travel a lot or want top discounts and airport lounge access, the HBL Platinum Credit Card is a strong choice in Pakistan for 2025.
Standard Chartered Visa Platinum Card
The Standard Chartered Visa Platinum Card is a great choice in Pakistan for 2025 if you want to earn cashback and rewards on your everyday spending. With an annual fee of PKR 14,000, this card offers valuable benefits that can help you save money regularly.
It comes with an interest rate of 42% per annum, so it’s best to clear your balance each month to avoid high interest charges. One of the top features is 5% cashback on fuel, groceries, and dining, which means you get money back on the things you buy every day. On top of that, you earn reward points on every PKR 40 spent, which you can redeem for gifts or discounts.
To apply, you should be between 21 and 60 years old and earn at least PKR 200,000 per month. This card is ideal for people who use their credit cards regularly for shopping, fuel, and dining and want to get rewarded for it. If you want a card that pays you back for your daily purchases, the Standard Chartered Visa Platinum Card is one of the best options in Pakistan right now.
UBL Gold Credit Card
If you’re looking for a budget-friendly credit card in Pakistan for 2025, the UBL Gold Credit Card is a smart pick. It has a low annual fee of PKR 3,000, making it affordable without sacrificing useful benefits.
The card carries an interest rate of 42% per annum, so it’s important to pay your full balance on time to avoid extra charges. You’ll get 1% cashback on all purchases, which adds up nicely over time. Plus, you earn reward points on every PKR 50 spent that can be redeemed for shopping or gifts.
To qualify, applicants should be between 21 and 60 years old and have a minimum monthly income of PKR 50,000. This card is perfect for budget-conscious users who want to enjoy rewards without paying high fees. For those seeking a simple, low-cost credit card with steady cashback and rewards, the UBL Gold Credit Card is a solid choice in Pakistan.
MCB Platinum Credit Card
The MCB Platinum Credit Card is a popular option in Pakistan for 2025 if you want a mix of cashback rewards and travel benefits without breaking the bank. It has an annual fee of PKR 5,000, which is moderate for the perks it offers.
With an interest rate of 39% per annum, it’s important to pay your balance on time to avoid extra charges. This card gives you 5% cashback on fuel, groceries, and dining, helping you save on everyday expenses. Plus, it offers access to 25 international airport lounges, making your travel experience more comfortable and enjoyable.
To be eligible, you need to be at least 21 years old and earn a minimum monthly income of PKR 50,000. If you want a credit card that rewards your daily spending and makes travel easier, the MCB Platinum Credit Card is a great choice for many Pakistanis in 2025.
Allied Bank Visa Platinum Credit Card
The Allied Bank Visa Platinum Credit Card is a strong choice for travelers and everyday spenders in Pakistan for 2025. With an annual fee of PKR 7,500, it offers good value considering its benefits. It features a relatively lower interest rate of 32% per annum, which helps if you occasionally carry a balance.
This card provides 5% cashback on fuel, groceries, and dining, helping you save money on daily essentials. Plus, it includes travel insurance coverage, giving you peace of mind when you’re on the move. To qualify, you need to be between 21 and 60 years old with a minimum monthly income of PKR 100,000. If you want a card that rewards your spending and protects you with travel insurance, the Allied Bank Visa Platinum Credit Card is a great option for 2025 in Pakistan.
Bank Alfalah Gold Credit Card
For those who love shopping and prefer easy payment plans, the Bank Alfalah Gold Credit Card is a smart pick in Pakistan for 2025. It comes with an annual fee of PKR 11,000, which is fair given its unique features.
One of the biggest advantages is its very low interest rate of 15% per annum, much lower than many other credit cards in the market. This helps if you need to carry a balance or use the card for larger purchases.
The card offers up to 15% discounts at partner restaurants and retail outlets, so you can save while you shop or dine out. Plus, it includes 0% markup installment plans, allowing you to pay for big purchases in easy monthly installments without extra cost. To apply, you need to be between 21 and 60 years old with a minimum monthly income of PKR 50,000. If you want a credit card that supports your shopping and helps with affordable installment payments, the Bank Alfalah Gold Credit Card is one of the best choices in Pakistan right now.
Faysal Bank Noor Platinum Card
The Faysal Bank Noor Platinum Card is a top choice for those in Pakistan looking for an Islamic banking credit card in 2025. It offers the benefits of a credit card while being Shariah-compliant, meaning no interest charges, making it perfect for users who want to follow Islamic finance principles.
With an annual fee of PKR 6,000, this card provides excellent value, especially with its very low interest rate of 18% per annum, though the Shariah compliance means you won’t face interest in the traditional sense. Cardholders enjoy exclusive discounts on dining, shopping, and travel, helping you save money on your favorite activities. To qualify, applicants must be between 21 and 60 years old and have a minimum monthly income of PKR 75,000. If you want a credit card that aligns with Islamic principles and offers solid discounts, the Faysal Bank Noor Platinum Card is an ideal choice for Pakistan in 2025.
JS Bank Platinum Credit Card
The JS Bank Platinum Credit Card is perfect for frequent travelers and high spenders in Pakistan for 2025. It offers premium perks that make it worth considering if you want to enjoy luxury and savings.
This card has an annual fee of PKR 15,000, but the fee is waived if you spend more than PKR 15,000 within the first 2 months, which is a great way to save. With an interest rate of 40% per annum, it’s important to pay your balance on time to avoid high charges.
The card provides up to 65% discounts at partner restaurants and retail outlets, helping you save big on dining and shopping. It also offers Priority Pass lounge access and complimentary travel insurance, making your travel experience smooth and comfortable. To qualify, you need to be between 21 and 60 years old and have a minimum monthly income of PKR 100,000. If you travel often and spend a lot, the JS Bank Platinum Credit Card is a top option to enjoy exclusive discounts and travel benefits in Pakistan.
Askari Bank Platinum Credit Card
The Askari Bank Platinum Credit Card is an excellent choice for travelers in Pakistan looking for valuable perks in 2025. With an annual fee of PKR 8,500, it offers good benefits for frequent flyers and shoppers alike.
The card carries an interest rate of 39% per annum, so timely payments are important to avoid extra charges. You can enjoy up to 10% discounts at partner restaurants and retail outlets, helping you save while dining and shopping. Plus, it provides free airport lounge access and travel accident insurance, ensuring a safer and more comfortable travel experience. Eligibility requires applicants to be between 21 and 60 years old with a minimum monthly income of PKR 80,000.
For travelers seeking a credit card with comprehensive benefits and savings, the Askari Bank Platinum Credit Card is a strong option in Pakistan for 2025.
Meezan Bank Visa Credit Card (Shariah-Compliant)
The Meezan Bank Visa Credit Card is a popular choice in Pakistan for 2025 for those wanting a fully Shariah-compliant credit card. Instead of traditional interest, it follows a profit-sharing model, making it ideal for users who want to avoid conventional interest charges.
With an annual fee of PKR 7,000, this card offers valuable benefits for Islamic finance followers. Cardholders enjoy up to 5% discounts on Islamic travel and halal dining options, supporting lifestyle choices that follow Islamic principles. It also features a halal-based reward system with no interest charges, making it a truly faith-friendly credit card. To apply, you must be between 21 and 60 years old with a minimum monthly income of PKR 70,000.
If you seek a trustworthy and ethical credit card that complies with Islamic banking laws, the Meezan Bank Visa Credit Card is a top pick in Pakistan for 2025.
Comparison Table of Top Credit Cards
Here’s a clear, easy-to-read comparison table of the top credit cards in Pakistan for 2025. It highlights key features like annual fees, interest rates, benefits, and eligibility to help you choose the best card for your needs:
| Credit Card | Annual Fee (PKR) | Interest Rate (APR) | Key Benefits | Eligibility | Ideal For |
| HBL Platinum Credit Card | 10,000 | 40% | Up to 25% discounts, 25+ airport lounges | Age 21+, Income PKR 200,000/year | Frequent travelers, premium perks |
| Standard Chartered Visa Platinum | 14,000 | 42% | 5% cashback on fuel/groceries/dining, reward points | Age 21–60, Income PKR 200,000/month | Everyday spenders, cashback seekers |
| UBL Gold Credit Card | 3,000 | 42% | 1% cashback, reward points | Age 21–60, Income PKR 50,000/month | Budget-conscious users |
| MCB Platinum Credit Card | 5,000 | 39% | 5% cashback, 25 airport lounges | Age 21+, Income PKR 50,000/month | Travel perks and cashback seekers |
| Allied Bank Visa Platinum | 7,500 | 32% | 5% cashback, travel insurance | Age 21–60, Income PKR 100,000/month | Travelers seeking insurance & cashback |
| Bank Alfalah Gold Credit Card | 11,000 | 15% | Up to 15% discounts, 0% markup installments | Age 21–60, Income PKR 50,000/month | Shoppers, installment plan users |
| Faysal Bank Noor Platinum Card | 6,000 | 18% (Shariah-compliant) | Discounts on dining/shopping/travel, no interest | Age 21–60, Income PKR 75,000/month | Islamic banking seekers |
| JS Bank Platinum Credit Card | 15,000 (waived if PKR 15,000 spent in 2 months) | 40% | Up to 65% discounts, Priority Pass, travel insurance | Age 21–60, Income PKR 100,000/month | Frequent travelers, high spenders |
| Askari Bank Platinum Credit Card | 8,500 | 39% | Up to 10% discounts, free lounge access, travel insurance | Age 21–60, Income PKR 80,000/month | Travelers seeking comprehensive benefits |
| Meezan Bank Visa Credit Card (Shariah-Compliant) | 7,000 | Profit-sharing model | Up to 5% discounts on Islamic travel & halal dining, no interest | Age 21–60, Income PKR 70,000/month | Users seeking Shariah-compliant credit |
Conclusion
Choosing the right credit card in Pakistan is more important than ever in 2025. With many options available, from cashback rewards to travel perks and Shariah-compliant cards, finding a card that fits your lifestyle and budget can help you save money and enjoy extra benefits. Whether you are a frequent traveler looking for lounge access, a shopper wanting discounts, or someone who prefers Islamic banking, there is a credit card tailored for you.
It’s essential to compare annual fees, interest rates, and eligibility criteria before making a decision. Cards like HBL Platinum and JS Bank Platinum offer premium travel benefits, while UBL Gold and Bank Alfalah Gold provide affordable options with great rewards. For users seeking Shariah compliance, Meezan Bank Visa Credit Card and Faysal Bank Noor Platinum Card offer ethical and interest-free alternatives.
By understanding your spending habits and financial needs, you can pick the best credit card that maximizes rewards and minimizes costs. Stay updated with the latest offers and make the most of credit card benefits available in Pakistan today.
FAQs About Credit Cards in Pakistan (2025)
What is the best credit card in Pakistan for cashback?
For cashback benefits, Standard Chartered Visa Platinum and MCB Platinum Credit Card are top choices, offering up to 5% cashback on fuel, groceries, and dining.
Which credit cards offer the best travel perks in Pakistan?
Cards like HBL Platinum, JS Bank Platinum, and Askari Bank Platinum provide airport lounge access, travel insurance, and exclusive travel discounts, ideal for frequent travelers.
Are there Shariah-compliant credit cards available in Pakistan?
Yes, Meezan Bank Visa Credit Card and Faysal Bank Noor Platinum Card offer Shariah-compliant options with no interest charges, following Islamic banking principles.
What factors should I consider before choosing a credit card?
Important factors include annual fees, interest rates (APR), rewards and cashback offers, travel benefits, Shariah compliance, and eligibility criteria like age and income.
Can I get a credit card with a low annual fee in Pakistan?
Yes, cards like UBL Gold Credit Card offer low annual fees starting from PKR 3,000, suitable for budget-conscious users.
How do interest rates affect my credit card balance?
Higher interest rates increase the cost of carrying an unpaid balance. It’s best to pay your full bill on time to avoid interest charges.
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Excellent guide! Choosing the right credit card can be overwhelming, but this article breaks it down nicely. Great to see a focus on various options, including Shariah-compliant cards. Thanks for sharing!