A credit card is making our life easier because it is the most efficient and easy way of paying. It is a “Plastic money” that allow you making payments on time. There are different credit cards available and they have their own features. A credit card let you borrow money from your bank to make purchases. You can pay back that amount later to the bank with interest. That’s why a credit card with low-interest rates is best for you.
You can also use a credit card for money transfer and take out cash from an ATM. A credit card can be utilised anywhere in the world, but there are often charges or fees for using a credit card in other countries.
Best credit cards in Pakistan:
There are many banks in Pakistan and they all offers credit cards with different features and interest rates. If you have a credit card in Pakistan, then you can make purchases online, take out cash from ATM and book tickets online. There are different kinds of credit cards in Pakistan regarding interest rates, withdraw limits and discounts etc. In this article, we have picked the best credit cards in Pakistan that you can choose immediately to make your life digital. Keep reading the post to know more about best credit cards in Pakistan.
1) UBL Credit Card:
UBL is one of the top banks in Pakistan offering credit cards with different features. It is the Pakistan’s first chip credit card that allows you to withdraw money from 25,000+ ATM outlets in Pakistan. This card can be used in more than 22 millions merchants worldwide. You can receive monthly 30000 PKR with this card and its annual renewal fee is Rs 1500. UBL credit card will cost you 3.4% of every foreign transaction and 5% on due charges.
UBL PSO auto card allows you to buy fuel from any PSO station in Pakistan. They are giving 5% of discount on every fuel you buy. This card will cost you Rs 2000 annually. UBL Platinum is another card by UBL that gives you a special reward on international spending and free access to shapes health club. UBL credit card is one of the best credit cards in Pakistan.
Visit website: www.ubldirect.com
2) HBL Credit Card
HBL is also a leading banking network offering best credit cards in Pakistan. Their credit card is acceptable at over 29 Million merchants and 130+ countries. You can use this card anywhere in Pakistan to withdraw money from your HBL account. HBL will cost you Rs 300 for green credit card and Rs 5000 for a golden credit card. You need to pay 5% instalment on every amount you borrow from your bank to credit card. They will cost of 3% of every foreign transaction. HBL credit card is giving a huge reward on every purchase you make from their partner online websites. You can also earn a reward point for every 25 rupees you spent on a retail purchase on your HBL credit card.
HBL is also offering a Platinum Credit card which will cost you 8000 rupees annually. This card allows you to enjoy the platinum side of life. They are offering Fuel Saver card too that you can use to buy fuel. The fees of this card is 3000 rupees per year, and you will get Rs 500 after every 10000 pkr you spend.
Visit website: www.hbl.com
3) Standard Charted Credit Card
Standard charted credit card got 3rd position in our list. It is one of the best credit cards in Pakistan which allow free online banking. You can use this card in 150+ countries and every city of Pakistan. This credit card allows you to buy your favourite products on instalment with 0% markup. You can earn up to 5% cash back on buying electronics, fuel or anything using your standard charted credit card. Having this credit card gives you access to more than 60 airport lounges. Annual fee of this credit card is Rs 3,000 and it will cost on 1% on every foreign transaction.
Their Platinum credit card gives you the reward of 5 points on every 200 rupees you spend. You can book any international hotel also by using your this credit card.
Visit website: www.sc.com.pk
4) Askari Bank Credit Card
Askari bank is also in the top listed banks of Pakistan. Their credit card is one of the best available cards. You can apply for that card if your monthly income is 25000 rupees. Askari bank is giving huge discounts if you buy products from their partner sites through this credit card. There is a lack of new discounts, promotions, rewards, instalment plans, deals and offers for Askari credit card holders. They will cost you Rs 2350 rupees for a classic card, 4640 rupees for a golden card and 5800 rupees for the platinum card.
Askari world credit card gives you access to 500 VIP lounges of 300 international airports. You can apply for this card if you are between 21 years to 70 years. Annual fees of Askari world card is 8280 rupees and 3% Service charges for Retail Transactions.
Visit website: www.akbl.com.pk
5) Bank Alfalah Credit Card
Bank Alfalah credit card is on the last position of best credit cards in Pakistan. This credit card comes with a lot of benefits and privileges. Alfalah credit card is acceptable at more than 30 million establishments and 1.5 million ATM’s worldwide. They will cost you Rs 6000 annually for this credit card and up to 5% of every foreign transaction. You will get one reward point for every Rs 50 you spend. You can convert any of your retail transactions of Rs. 3,000 and above into an “Installment Plan”. If you are Bank Alfalah credit card user, then you can enjoy complimentary CIP lounge access for their international travel from Karachi, Lahore and Islamabad airports. With This credit card, you can pay off balances which you owe to other banks.
Visit website: www.bankalfalah.com
It is very difficult to declare one credit card as the best card. Every credit card comes with its own benefits. These above-mentioned credit cards in Pakistan having all the features that every common man want. You can also pick any of above credit card to make your life digital.
Also Read: Best Payment Methods in Pakistan