Credit Card Charges Compared: 10 Pakistani Banks
Annual fee, late payment, cash advance, foreign transaction and finance charges for every consumer credit card at 10 banks.
This table lists every consumer credit card at the 10 banks we track, cheapest annual fee first, with the charges that cost you most when something goes wrong: late payment, cash advance, foreign transactions and the yearly finance charge on unpaid balances.
Updated for July to December 2026. Checked 22 October 2026. Cheapest first. Figures are the bank's own wording; most exclude FED or sales tax unless stated.
| Bank | Annual fee | Late payment | Cash advance | Foreign transaction | Finance charge (APR) | Source |
|---|---|---|---|---|---|---|
| Allied Bank Visa Gold | Annual fee, basic card: Rs 3,500 | Rs 1,500 per instance | Rs 500 per transaction or 3% of the cash transaction amount, whichever is higher | Up to 4% over prevailing interbank or open market rate | Retail, cash and PO/DD/ABC: 2.83% per month, APR 34% | SOC, p. 10 |
| UBL Mastercard Standard (ex-Silkbank) | Rs 4,000 | Rs 2,200 | Rs 1,200 or 3% of the transaction amount, whichever is higher | Rs 100 or 4.5% of the transaction amount, whichever is higher | APR 44% on retail and cash advance | SOC, p. 43, 44, 45 |
| JS Bank Visa Classic | Rs 5,000 (reduced fee of Rs 1,200 on spending of Rs 25,000 within 1 month of activation) | Rs 2,400 or 10% of minimum amount, whichever is higher | 3.5% or Rs 1,800, whichever is higher | Rs 450 or 5% of transaction amount, whichever is higher | Retail 49.99% (4.16% per month); cash advance 48% (4% per month) | SOC, p. 17, 18 |
| Askari Mastercard Classic | Rs 5,500 (50% waiver on 50% utilization of total limit within 2 months of issuance/renewal) | Rs 2,200 per instance | Rs 1,500 or 3.5%, whichever is higher | 4.85% of transaction amount on all transactions other than PKR | Up to 3.5% per month (42% per annum) of outstanding amount (Classic, Gold, Platinum) | SOC, p. 16, 17 |
| Bank AL Habib Green | Rs 5,600 (reduced fee of Rs 560 on spending of Rs 100,000 within 60 days) | Rs 2,300 | Rs 1,200 | 4.50% on transaction amount | Credit card APR 25% p.a. | SOC, p. 16 |
| UBL Visa Classic | Rs 6,000 | Rs 2,200 | Rs 1,200 or 3% of the transaction amount, whichever is higher | Rs 100 or 4.5% of the transaction amount, whichever is higher | APR 44% on retail and cash advance | SOC, p. 43, 44, 45 |
| Bank of Punjab Mastercard Gold | Annual fee (basic) Rs 6,250 | Rs 2,300 | 3% of transaction amount or Rs 1,200, whichever is higher | Up to 5% over prevailing market rate or as per SBP directives | 3.50% per month (42% APR) on retail transactions and cash advance | SOC, p. 15, 16 |
| HBL Green | Rs 6,500 for HBL Green Card | Rs 2,500 per month | Rs 1,200 or 3% of withdrawn amount, whichever is higher | 4% of transaction amount | Maximum 42% per annum of outstanding amount | SOC, p. 17 |
| Allied Bank Visa Platinum | Annual fee, basic card: Rs 7,000 | Rs 1,500 per instance | Rs 500 per transaction or 3% of the cash transaction amount, whichever is higher | Up to 4% over prevailing interbank or open market rate | Retail, cash and PO/DD/ABC: 2.83% per month, APR 34% | SOC, p. 10 |
| Bank Alfalah Classic | Annual fee Rs 7,000 | Rs 2,500 flat | Rs 1,200 or 3% of cash advance amount, whichever is higher | 4.5% of the transaction amount or Rs 125, whichever is higher | Visa Classic: 3.83% per month (46% APR) on cash advance and retail transactions | SOC, p. 34, 35 |
| MCB Bank Classic | Rs 7,000 p.a. | Rs 2,500 (if the minimum payment is not received by the due date) | Processing fee Rs 1,200 per transaction or 3% of the transaction amount, whichever is higher | Rs 100 or 4%, whichever is higher | 3.67% per month (APR of 44%) if full payment is not received by the due date | SOC, p. 25 |
| Bank AL Habib Gold | Rs 8,000 (reduced fee of Rs 800 on spending of Rs 150,000 within 60 days) | Rs 2,300 | Rs 1,200 | 4.50% on transaction amount | Credit card APR 25% p.a. | SOC, p. 16 |
| UBL Mastercard Gold (ex-Silkbank) | Rs 8,000 | Rs 2,200 | Rs 1,200 or 3% of the transaction amount, whichever is higher | Rs 100 or 4.5% of the transaction amount, whichever is higher | APR 44% on retail and cash advance | SOC, p. 43, 44, 45 |
| JS Bank Visa Gold | Rs 8,500 (reduced fee of Rs 1,800 on spending of Rs 50,000 within 1 month of activation) | Rs 2,400 or 10% of minimum amount, whichever is higher | 3.5% or Rs 1,800, whichever is higher | Rs 450 or 5% of transaction amount, whichever is higher | Retail 49.99% (4.16% per month); cash advance 48% (4% per month) | SOC, p. 17, 18 |
| Standard Chartered Mastercard Easy Credit | Annual fee Flat Rs 9,000 | Not listed | Not listed | Foreign transaction spread of Re 1 per USD and up to 6% of the transaction amount (up to 6% for all QR payments) | Not listed | SOC, p. 24, 25 |
| Bank Alfalah Visa Ultra Cash Back | Issuance fee Rs 11,000 and annual fee Rs 11,000 | Rs 2,500 flat | Rs 1,200 or 3% of cash advance amount, whichever is higher | 4.5% of the transaction amount or Rs 125, whichever is higher | All other cards: 3.75% per month (45% APR) on cash advance and retail transactions | SOC, p. 34, 35 |
| Askari Mastercard Gold | Rs 12,000 (50% waiver on 50% utilization of total limit within 2 months of issuance/renewal) | Rs 2,200 per instance | Rs 1,500 or 3.5%, whichever is higher | 4.85% of transaction amount on all transactions other than PKR | Up to 3.5% per month (42% per annum) of outstanding amount (Classic, Gold, Platinum) | SOC, p. 16, 17 |
| UBL Visa Gold | Rs 12,000 | Rs 2,200 | Rs 1,200 or 3% of the transaction amount, whichever is higher | Rs 100 or 4.5% of the transaction amount, whichever is higher | APR 44% on retail and cash advance | SOC, p. 43, 44, 45 |
| Bank Alfalah AMEX Gold | Annual fee Rs 13,500 | Rs 2,500 flat | Rs 1,200 or 3% of cash advance amount, whichever is higher | 4.5% of the transaction amount or Rs 125, whichever is higher | All other cards: 3.75% per month (45% APR) on cash advance and retail transactions | SOC, p. 34, 35 |
| Standard Chartered Mastercard Cashback | Annual fee Rs 13,500 | Not listed | Not listed | Foreign transaction spread of Re 1 per USD and up to 6% of the transaction amount (up to 6% for all QR payments) | Not listed | SOC, p. 24, 25 |
| Bank Alfalah Gold | Annual fee Rs 14,000 | Rs 2,500 flat | Rs 1,200 or 3% of cash advance amount, whichever is higher | 4.5% of the transaction amount or Rs 125, whichever is higher | All other cards: 3.75% per month (45% APR) on cash advance and retail transactions | SOC, p. 34, 35 |
| HBL Gold | Rs 14,000 for HBL Gold Card | Rs 2,500 per month | Rs 1,200 or 3% of withdrawn amount, whichever is higher | 4% of transaction amount | Maximum 42% per annum of outstanding amount | SOC, p. 17 |
| MCB Bank Gold | Rs 14,000 p.a. | Rs 2,500 (if the minimum payment is not received by the due date) | Processing fee Rs 1,200 per transaction or 3% of the transaction amount, whichever is higher | Rs 100 or 4%, whichever is higher | 3.67% per month (APR of 44%) if full payment is not received by the due date | SOC, p. 25 |
| UBL Mastercard Titanium (ex-Silkbank) | Rs 14,000 | Rs 2,200 | Rs 1,200 or 3% of the transaction amount, whichever is higher | Rs 100 or 4.5% of the transaction amount, whichever is higher | APR 44% on retail and cash advance | SOC, p. 43, 44, 45 |
| Standard Chartered Mastercard Titanium | Annual fee Rs 14,500 | Not listed | Not listed | Foreign transaction spread of Re 1 per USD and up to 6% of the transaction amount (up to 6% for all QR payments) | Not listed | SOC, p. 24, 25 |
| JS Bank Visa Platinum | Rs 15,000 (reduced fee of Rs 3,100 on spending of Rs 100,000 within 1 month of activation) | Rs 2,400 or 10% of minimum amount, whichever is higher | 3.5% or Rs 1,800, whichever is higher | Rs 450 or 5% of transaction amount, whichever is higher | Retail 49.99% (4.16% per month); cash advance 48% (4% per month) | SOC, p. 18 |
| Bank of Punjab Mastercard Platinum | Annual fee (basic) Rs 15,625 | Rs 2,300 | 3% of transaction amount or Rs 1,200, whichever is higher | Up to 5% over prevailing market rate or as per SBP directives | 3.50% per month (42% APR) on retail transactions and cash advance | SOC, p. 15, 16 |
| Bank Alfalah Mastercard Optimus | Annual fee Rs 17,000 | Rs 2,500 flat | Rs 1,200 or 3% of cash advance amount, whichever is higher | 4.5% of the transaction amount or Rs 125, whichever is higher | All other cards: 3.75% per month (45% APR) on cash advance and retail transactions | SOC, p. 34, 35 |
| UBL Mastercard Platinum (ex-Silkbank) | Rs 18,000 | Rs 2,200 | Rs 1,200 or 3% of the transaction amount, whichever is higher | Rs 100 or 4.5% of the transaction amount, whichever is higher | APR 44% on retail and cash advance | SOC, p. 43, 44, 45 |
| Bank AL Habib Platinum | Rs 20,000 (reduced fee of Rs 2,000 on spending of Rs 200,000 within 60 days) | Rs 2,300 | Rs 1,200 | 4.50% on transaction amount | Credit card APR 25% p.a. | SOC, p. 16 |
| JS Bank Visa Signature | Rs 20,000 (reduced fee of Rs 7,700 on spending of Rs 150,000 within 1 month of activation) | Rs 2,400 or 10% of minimum amount, whichever is higher | 3.5% or Rs 1,800, whichever is higher | Rs 450 or 5% of transaction amount, whichever is higher | Retail 49.99% (4.16% per month); cash advance 48% (4% per month) | SOC, p. 18 |
| Standard Chartered Mastercard Platinum | Annual fee Rs 20,000 | Not listed | Not listed | Foreign transaction spread of Re 1 per USD and up to 6% of the transaction amount (up to 6% for all QR payments) | Not listed | SOC, p. 24, 25 |
| Askari Mastercard Platinum | Rs 20,500 (50% waiver on 50% utilization of total limit within 2 months of issuance/renewal) | Rs 2,200 per instance | Rs 1,500 or 3.5%, whichever is higher | 4.85% of transaction amount on all transactions other than PKR | Up to 3.5% per month (42% per annum) of outstanding amount (Classic, Gold, Platinum) | SOC, p. 16, 17 |
| HBL Platinum | Rs 22,000 for HBL Platinum Card | Rs 2,500 per month | Rs 1,200 or 3% of withdrawn amount, whichever is higher | 4% of transaction amount | Maximum 42% per annum of outstanding amount | SOC, p. 17 |
| MCB Bank Platinum | Rs 22,000 p.a. | Rs 2,500 (if the minimum payment is not received by the due date) | Processing fee Rs 1,200 per transaction or 3% of the transaction amount, whichever is higher | Rs 100 or 4%, whichever is higher | 3.67% per month (APR of 44%) if full payment is not received by the due date | SOC, p. 25 |
| UBL Visa Platinum | Rs 22,000 | Rs 2,200 | Rs 1,200 or 3% of the transaction amount, whichever is higher | Rs 100 or 4.5% of the transaction amount, whichever is higher | APR 44% on retail and cash advance | SOC, p. 43, 44, 45 |
| Bank Alfalah Platinum | Annual fee Rs 23,000 | Rs 2,500 flat | Rs 1,200 or 3% of cash advance amount, whichever is higher | 4.5% of the transaction amount or Rs 125, whichever is higher | All other cards: 3.75% per month (45% APR) on cash advance and retail transactions | SOC, p. 34, 35 |
| Askari Mastercard World | Rs 25,000 (no waiver of annual fee) | Rs 2,200 per instance | Rs 1,500 or 3.5%, whichever is higher | 4.85% of transaction amount on all transactions other than PKR | 3.7% per month (44.40% per annum) of outstanding amount (World cards) | SOC, p. 16, 17 |
| Bank of Punjab Mastercard World | Annual fee (basic) Rs 25,000 | Rs 2,300 | 3% of transaction amount or Rs 1,200, whichever is higher | Up to 5% over prevailing market rate or as per SBP directives | 3.50% per month (42% APR) on retail transactions and cash advance | SOC, p. 15, 16 |
| Standard Chartered Mastercard World | Annual fee Rs 26,000 | Not listed | Not listed | Foreign transaction spread of Re 1 per USD and up to 6% of the transaction amount (up to 6% for all QR payments) | Not listed | SOC, p. 24, 25 |
| Bank Alfalah Signature | Annual fee Rs 30,000 (reduced fee of Rs 5,000 after meeting spend criteria) | Rs 2,500 flat | Rs 1,200 or 3% of cash advance amount, whichever is higher | 4.5% of the transaction amount or Rs 125, whichever is higher | All other cards: 3.75% per month (45% APR) on cash advance and retail transactions | SOC, p. 34, 35 |
| Standard Chartered Mastercard World Elite | Annual fee Rs 30,000 | Not listed | Not listed | Foreign transaction spread of Re 1 per USD and up to 6% of the transaction amount (up to 6% for all QR payments) | Not listed | SOC, p. 24, 25 |
| UBL Visa Signature (ex-SBL) | Rs 30,000 | Rs 2,200 | Rs 1,200 or 3% of the transaction amount, whichever is higher | Rs 100 or 4.5% of the transaction amount, whichever is higher | APR 44% on retail and cash advance | SOC, p. 43, 44, 45 |
| Bank of Punjab Mastercard World Elite | Annual fee (basic) Rs 100,000 | Rs 2,300 | 3% of transaction amount or Rs 1,200, whichever is higher | Up to 5% over prevailing market rate or as per SBP directives | 3.50% per month (42% APR) on retail transactions and cash advance | SOC, p. 15, 16 |
Reading the table
- Annual fee is charged every year whether you use the card or not. Some banks waive it for the first year or if you spend a set amount.
- Finance charge (APR) applies to any balance you do not pay in full by the due date. At these rates, paying only the minimum gets expensive quickly.
- Foreign transaction is added to purchases from outside Pakistan. Tax on the fee and 236Y come on top: see the foreign card fee calculator.
For what each charge means and which card suits whom, read our guide to credit card charges in Pakistan. To avoid most of these charges, read how to use a credit card in Pakistan.
More bank charges, from the same schedules: ATM withdrawal charges, IBFT and Raast transfer charges and debit card annual fees.
Where these figures come from
Every figure is from the bank’s own Schedule of Charges for July to December 2026, linked in the last column with the page number. Standard Chartered’s schedule does not list late payment, cash advance or finance charges for its consumer cards, so those cells say “Not listed”. Charges usually exclude federal excise duty or sales tax.