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Credit cards in Pakistan compared: fees, mark-up, minimum income
31 credit cards from Bank Alfalah, MCB Bank, Faysal Bank, Askari Bank, Standard Chartered Pakistan, HBL and more. Annual fees and mark-up from each bank's published schedule of charges, the income it asks for, and what the card gives back. Prices reviewed 21 Sept 2026.
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How this comparison is compiled
Every figure comes from the issuing bank's current schedule of charges and the card's own page, read on the review date; promotional first-year waivers are noted as such. Rates change with the policy rate, so the table is refreshed after every SBP monetary policy decision and at least monthly.
Source: Each bank's Schedule of Charges for July to December 2026 and card pages: Bank Alfalah, HBL, UBL, MCB, Faysal, Askari, Standard Chartered (Issuing banks), reviewed 21 Sept 2026.
Questions
- What does a credit card cost if I pay in full every month?
- Only the annual fee, and often nothing in the first year. Mark-up applies only to a balance carried past the due date; the rates here are the banks' published annual rates, charged monthly on the outstanding amount.
- What income do banks ask for?
- Each card has a minimum monthly income, typically from Rs 30,000 to Rs 50,000 for entry cards and Rs 150,000 and up for platinum and lounge cards, with a salary slip or bank statement as proof. Salary-transfer customers of the same bank get easier approval.
- Are Islamic credit cards different?
- They are structured on Tawarruq or Ujrah rather than interest: a fixed monthly fee or a profit rate on the financing, with the same repayment discipline. The cost of carrying a balance is comparable; the cards here show the bank's stated rate.
- Does the card affect my filer status or tax?
- No, but non-filers pay higher withholding on some card transactions abroad and on cash withdrawals. Being on the Active Taxpayers List is worth it before travelling on the card.