Karachi
- Askari Visa Signature Debit Card
- HBL Islamic World Elite DebitCard
- HBL World Elite DebitCard
- Askari Visa Platinum Debit Card
- Faysal Islami Priority World Debit Card
At a glance
KonsaCard ranks 95 cards with no or low annual fee that have restaurant offers in Pakistan. Every card here has an annual fee of PKR 3,000 or less, and many are free. Cards whose bank does not publish a fee are left out. The top low-fee card overall is Askari Visa Signature Debit Card (Askari Bank Limited), about PKR 3,219 saved per outing at 333 restaurants, no annual fee. By city, the leaders are Askari Visa Signature Debit Card in Karachi, Allied Bank Visa Infinite Debit Card in Lahore and Askari Visa Signature Debit Card in Islamabad.
Top 20 cards with no or low annual fee
Ranked across all cities by estimated saving per outing on a PKR 10,000 bill, adjusted for coverage and annual fee. Rank numbers are out of all 235 cards.
| Card | Bank | Est. saving per outing | Restaurants covered | Avg discount | Annual fee |
|---|---|---|---|---|---|
| #1Askari Visa Signature Debit Card |  Askari Bank Limited |
PKR 3,219 | 333 of 1,467 | 33% | Free |
| #2HBL Islamic World Elite DebitCard |  HBL Islamic Bank Limited |
PKR 2,768 | 292 of 1,467 | 28% | Free |
| #3HBL World Elite DebitCard |  Habib Bank Limited |
PKR 2,771 | 291 of 1,467 | 28% | Free |
| #5Allied Bank Visa Infinite Debit Card |  Allied Bank |
PKR 3,430 | 275 of 1,467 | 35% | Free |
| #6Askari Visa Platinum Debit Card | Askari Bank Limited |
PKR 2,449 | 331 of 1,467 | 25% | Free |
| #12Bank Alfalah Islamic Premier Visa Infinite Debit Card |  Bank Alfalah |
PKR 3,348 | 208 of 1,467 | 36% | Free |
| #13Bank Alfalah Premier Visa Infinite Credit Card | Bank Alfalah |
PKR 3,348 | 208 of 1,467 | 36% | Free |
| #14Bank Alfalah Premier Visa Infinite Debit Card | Bank Alfalah |
PKR 3,332 | 206 of 1,467 | 35% | Free |
| #19Faysal Islami Priority World Debit Card |  Faysal Bank Limited |
PKR 3,569 | 183 of 1,467 | 37% | Free |
| #29Askari Visa Gold Debit Card | Askari Bank Limited |
PKR 1,764 | 273 of 1,467 | 18% | PKR 3,000 |
| #32National Bank of Pakistan PayPak Pink |  National Bank of Pakistan |
PKR 1,057 | 577 of 1,467 | 21% | Free |
| #33National Bank of Pakistan PayPak Classic | National Bank of Pakistan |
PKR 1,057 | 577 of 1,467 | 21% | PKR 2,000 |
| #34Bank Alfalah Premier Visa Signature Debit Card | Bank Alfalah |
PKR 2,338 | 211 of 1,467 | 26% | Free |
| #35Bank Alfalah Islamic Premier Visa Signature Debit Card | Bank Alfalah |
PKR 2,325 | 211 of 1,467 | 26% | Free |
| #37National Bank of Pakistan UPI Classic | National Bank of Pakistan |
PKR 1,057 | 577 of 1,467 | 21% | PKR 2,500 |
| #41Faysal Islami Priority Platinum Debit Card | Faysal Bank Limited |
PKR 2,616 | 179 of 1,467 | 27% | Free |
| #44Bank Alfalah Premier Visa Platinum Credit Card | Bank Alfalah |
PKR 2,324 | 196 of 1,467 | 26% | Free |
| #48Askari Visa Classic Debit Card | Askari Bank Limited |
PKR 1,253 | 273 of 1,467 | 13% | PKR 3,000 |
| #55HBL Titanium DebitCard | Habib Bank Limited |
PKR 1,616 | 192 of 1,467 | 17% | PKR 3,000 |
| #57HBL Islamic Titanium DebitCard | HBL Islamic Bank Limited |
PKR 1,624 | 188 of 1,467 | 17% | PKR 3,000 |
Best cards with no or low annual fee by city
Lahore
- Allied Bank Visa Infinite Debit Card
- Askari Visa Signature Debit Card
- HBL Islamic World Elite DebitCard
- HBL World Elite DebitCard
- Askari Visa Platinum Debit Card
Islamabad
- Askari Visa Signature Debit Card
- Askari Visa Platinum Debit Card
- HBL Islamic World Elite DebitCard
- HBL World Elite DebitCard
- Askari Visa Gold Debit Card
Frequently asked about cards with no or low annual fee
What is the best low-fee card for restaurant discounts in Pakistan?
On KonsaCard's ranking for a PKR 10,000 bill, the top cards with no or low annual fee are Askari Visa Signature Debit Card (Askari Bank Limited), about PKR 3,219 saved per outing at 333 restaurants, no annual fee; HBL Islamic World Elite DebitCard (HBL Islamic Bank Limited), about PKR 2,768 saved per outing at 292 restaurants, no annual fee; and HBL World Elite DebitCard (Habib Bank Limited), about PKR 2,771 saved per outing at 291 restaurants, no annual fee.
What is the best low-fee card for restaurants in Karachi?
In Karachi the leading cards with no or low annual fee are Askari Visa Signature Debit Card (Askari Bank Limited), about PKR 3,106 saved per outing at 111 restaurants; HBL Islamic World Elite DebitCard (HBL Islamic Bank Limited), about PKR 2,578 saved per outing at 110 restaurants; and HBL World Elite DebitCard (Habib Bank Limited), about PKR 2,578 saved per outing at 110 restaurants.
What is the best low-fee card for restaurants in Lahore?
In Lahore the leading cards with no or low annual fee are Allied Bank Visa Infinite Debit Card (Allied Bank), about PKR 3,394 saved per outing at 151 restaurants; Askari Visa Signature Debit Card (Askari Bank Limited), about PKR 3,330 saved per outing at 122 restaurants; and HBL Islamic World Elite DebitCard (HBL Islamic Bank Limited), about PKR 3,103 saved per outing at 108 restaurants.
What is the best low-fee card for restaurants in Islamabad?
In Islamabad the leading cards with no or low annual fee are Askari Visa Signature Debit Card (Askari Bank Limited), about PKR 3,210 saved per outing at 100 restaurants; Askari Visa Platinum Debit Card (Askari Bank Limited), about PKR 2,393 saved per outing at 100 restaurants; and HBL Islamic World Elite DebitCard (HBL Islamic Bank Limited), about PKR 2,563 saved per outing at 74 restaurants.
How does KonsaCard rank these cards?
Each card's offers are scored on a typical PKR 10,000 bill: the discount after its cap, the days it applies and how many restaurants it covers, minus a penalty for a high annual fee. No bank pays for placement. The methodology page has the full formula.
How current is this ranking?
It is rebuilt daily from bank offer pages and partner feeds; last checked November 3, 2026.