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Best Credit Cards in Pakistan 2023

The Best Credit Cards Available in Pakistan.

1. The best Master Card Easy Credit Card by Standard Chartered

SCB Easy Credit Card is in one of the best credit cards in Pakistan, you can withdraw up to 90% of the available cash advance with this.

Obtaining an Easy Credit chequebook and using it to make payments to anyone in Pakistan is quick.

Use the international ATMs backed by MasterCard to withdraw money up to your 90% cash limit. You can use your available credit limit to pay your monthly installments using Asaan/Easy Installment to have you repay your credit in monthly installments. Includes chip-based technology for high-tech security.

Giving you PKR coverage On your overseas journeys, there could be 4 million travel incidents if you purchase your ticket using an SCB.

Visa Easy Credit loan interest rate

The interest rate for bank customers is 30% APR (annual percentage rate)
The interest rate for non-banking customers is = 36 percent APR.

Charges and fees

Annual charges = Rs 3,000
Chip maintenance charges = Rs 1,000
Late pay charges = RS 1,500
Overpayment charges= Rs 1,200

2. Visa Platinum Credit Card by Standard Chartered

When traveling for an international destination, benefit from access to 20 lounges Worldwide and CIP lounges in the majority of Pakistani airports.

24-hour customer service to address all of your credit card-related concerns
Visit Platinum Travel Desk to book your upcoming travel plans with incredibly low ticket Prices that other travel agencies cannot match.

Make a reservation over the phone with Standard Chartered Bank using your Platinum Credit Card, and have the ticket delivered to your door.

Coverage for unlucky medical expenses when traveling abroad is necessary
Zero liability for losses following the reporting of lost or stolen cards
Earn 5 points when you spend Rs 200 with the card.

Visa Easy Credit loan interest rate

The interest rate for bank customers is 42% APR (annual percentage rate)

Charges and fees

Annual charges = Rs 8,000
Chip maintenance charges = Rs 1,000
Late pay charges = RS 4,000

3. Visa Platinum Credit Card in Pakistan by UBL

Redeem your air miles to pay for your next flight.
Utilize the acquired air miles to pay down the remaining payment and the portion of the purchase.
Access to CIP lounges in prestigious Pakistani airports for free, along with one guest
Access to VIP lounges in more than 1,000 airports worldwide.

Visa Easy Credit loan interest rate

The interest rate for bank customers is up to 40% APR (annual percentage rate)

Charges and fees

Annual charges = Rs 6,000
Chip maintenance charges = Rs 1,000
Supplementary card charges = RS 2,000
Overpayment charges= Rs 1,200
Late pay charges = RS 1250
Overseas transaction fee = RS 3 per instance
SMS alert charges = Rs 50

4. PSO Auto Credit Card by UBL 

29 million places accept the UBL PSO Auto Credit Card.
Use it at 40,000 locations, such as PSO gas stations.
Use any of the country’s 2 million ATMs to make a cash withdrawal.
5% cashback up to a maximum of PKR 1,250 per client every month at PSO filling stations
1% cash back if paid in retail stores, up to PKR 1,000 per client each month.

Credit loan interest rate

The interest rate for bank customers is 40% APR (annual percentage rate)

Charges and fees

Annual charges = Rs 4,000
Chip maintenance charges = Rs 750
Supplementary card charges = RS 750
Withdrawal charges = 750
Overpayment charges= Rs 1,200
Late pay charges = RS 1250
Overseas transaction fee = RS 3 per instance

5. Classic/Gold Credit Card by MCB

Accepted all over the world.
Access millions of places supported by Visa.
Supported with pride by Visa.
Payment of utility bills is easy.
Access to 600 VIP airports in more than 100 countries.
Get your credit limit reduced by up to 75%.
Choose whether to use cash or reward points when you shop.

Visa Easy Credit loan interest rate

The interest rate for classic and MCB gold is 39% APR (annual percentage rate)

Charges and fees

Annual charges = free
Chip maintenance charges (gold) = Rs 3,400
Chip maintenance charges (classic) = Rs 2,200

6. World Credit Card in Pakistan by Faysal Bank

Access to CIP lounges when flying internationally throughout national airports.
When you spend money in a foreign country, the reward points are doubled.
Large reductions at national big brands.
Insurance against travel inconveniences on your part in the event of a flight delay, cancellation, or loss of luggage.
Travel to an international location with medical insurance.
This is in Pakistan’s best credit cards.

Credit loan interest rate

The interest rate is 39% APR (annual percentage rate)

Charges and fees

Annual charges = Rs 15,000
Supplementary card charges = RS 4000
Overpayment charges= Rs 1,400
Late pay charges = RS 1,500
Chip maintenance charges (primary) = Rs 700
Chip maintenance charges (Supplementary) = Rs 300
Cash advance charges = 3% of the money.
Card restore charges = Rs 500
Draft/pay order issue charges = Rs 700

7. Platinum Credit Card by HBL

Access to all CIP lounges for free during your international flights at renowned airports
Get your laptop and phone charged, and use the free Wi-Fi.
Read the most recent editions of publications
3x reward on foreign purchases
Access to emergency services to report the loss, theft, or misplacement of your card
And a lot more! and also placed in best credit cards.

Credit loan interest rate

The interest rate is 40% APR (annual percentage rate)

Charges and fees

Annual charges (main credit card) = RS 12,000
Annual charges (supplementary card) = Rs 6,000
The fee for BTF processing= 3% or fixed Rs 500
Late pay charges = Rs 1,250
Fee for retrieval = Rs 1,000
Transactions that have been disputed = $500
Card restore charges = Rs 600
Banker’s cheque issuing = RS 500
Cash advance charges = Rs 750 or 3% of the withdrawn amount, whichever is higher
Overseas transaction fee = 3% of the transaction
Fee for debit card rejection = Rs 750
Returned cheque Charges = Rs 1,000
process for Installment plan fee = Rs 600
Card conversion = Rs 600

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