Summary
We list 48 credit cards from 11 banks. 2 have no annual fee. Among the rest, fees run from PKR 3,500 (Allied Visa Gold Credit Card) to PKR 26,000 (Standard Chartered Bank Pakistan Mastercard World Credit Card), with a median of PKR 12,500. 41 of the 46 fee-charging cards have a published way to get the fee waived.
Fees by tier
Entry covers Classic, Silver, Green and PayPak cards; Mid covers Gold and Titanium; Premium covers Platinum, Signature, World and Infinite.
| Tier | Cards | No annual fee | Median fee | Highest fee | Fee not published |
|---|---|---|---|---|---|
| Entry | 8 | 0 | PKR 5,800 | PKR 7,000 | 0 |
| Mid | 14 | 0 | PKR 12,000 | PKR 14,500 | 0 |
| Premium | 18 | 1 | PKR 20,250 | PKR 26,000 | 0 |
| Other | 8 | 1 | PKR 7,750 | PKR 17,000 | 0 |
Every credit card, by bank
Fees are per year unless the bank states otherwise. Most banks quote them before Federal Excise Duty (FED), which is added when the fee is charged. "Not published" means the bank's schedule of charges and product pages do not state the figure.
| Bank | Card | Tier | Annual fee | Supplementary | Joining | Fee waiver | Eligibility |
|---|---|---|---|---|---|---|---|
| Allied Bank | Allied Visa Gold Credit Card | Mid | PKR 3,500 | PKR 900 | Free | Annual Membership Fee reversed on spending Rs. 25,000 through the card within 3 months. | Not published |
| Allied Bank | Allied Visa Platinum Credit Card | Premium | PKR 7,000 | PKR 1,800 | Free | Annual Membership Fee reversed on spending Rs. 50,000 through the card within 3 months. | Not published |
| Askari Bank Limited | Askari Mastercard Classic Credit Card | Entry | PKR 5,500 | PKR 3,000 | Not published | 50% waiver on 50% utilization of total limit within 2 months of issuance or renewal. | Salary PKR 35,000/month |
| Askari Bank Limited | Askari Mastercard Gold Credit Card | Mid | PKR 12,000 | PKR 6,500 | Not published | 50% waiver on 50% utilization of total limit within 2 months of issuance or renewal. | Salary PKR 35,000/month |
| Askari Bank Limited | Askari Mastercard Platinum Credit Card | Premium | PKR 20,500 | PKR 11,000 | Not published | 50% waiver on 50% utilization of total limit within 2 months of issuance or renewal. | Salary PKR 35,000/month |
| Askari Bank Limited | Askari World Mastercard Credit Card | Premium | PKR 25,000 | PKR 14,000 | Not published | No waiver of annual fee on the basic World card; supplementary World card gets a 50% waiver on 50% utilization of total limit within 2 months of issuance or renewal. | Salary PKR 1,000,000/month |
| Bank AL Habib | AL Habib Green Credit Card | Entry | PKR 5,600 | PKR 2,400 | Not published | Primary: reduced fee of PKR 560 on spending PKR 100,000 within 60 days; full reversal on spending PKR 150,000 within 90 days. Supplementary: reduced fee PKR 240 on spending PKR 50,000 within 60 days; full reversal on PKR 75,000 within 90 days. FED is not reversed. | Salary PKR 20,000/month |
| Bank AL Habib | AL Habib Gold Credit Card | Mid | PKR 8,000 | PKR 3,700 | Not published | Primary: reduced fee of PKR 800 on spending PKR 150,000 within 60 days; full reversal on spending PKR 200,000 within 90 days. Supplementary: reduced fee PKR 370 on spending PKR 75,000 within 60 days; full reversal on PKR 100,000 within 90 days. FED is not reversed. | Salary PKR 20,000/month |
| Bank AL Habib | AL Habib Platinum Credit Card | Premium | PKR 20,000 | PKR 8,000 | Not published | Primary: reduced fee of PKR 2,000 on spending PKR 200,000 within 60 days; full reversal on spending PKR 250,000 within 90 days. Supplementary: reduced fee PKR 1,000 on spending PKR 100,000 within 60 days; full reversal on PKR 150,000 within 90 days. FED is not reversed. | Salary PKR 20,000/month |
| Bank Alfalah | Bank Alfalah Premier Visa Platinum Credit Card | Other | Free | Free | Not published | Zero annual and issuance fee exclusively for Premier clients; standard credit-card AFRC does not apply. A quarterly fee of PKR 5,750 + FED/Sales Tax is levied if the required Premier quarterly average balance is not maintained. | Relationship balance PKR 3,000,000 |
| Bank Alfalah | Bank Alfalah Premier Visa Signature Credit Card | Premium | Free | Free | Not published | Zero annual, issuance and replacement fee for Bank Alfalah Premier customers maintaining the PKR 25 Million Current Account threshold. | Relationship balance PKR 25,000,000 |
| Bank Alfalah | Bank Alfalah Visa Corporate Credit Card | Other | PKR 6,000 | Not published | Not published | Year one: no annual fee. PKR 6,000 per card applies from second year onwards. | Salary PKR 50,000/month |
| Bank Alfalah | Visa Classic Credit Card | Entry | PKR 7,000 | PKR 3,500 | Not published | Basic card annual-fee reversal on PKR 70,000 eligible retail spend within 2 months; supplementary on PKR 35,000 within 2 months. | Salary PKR 50,000/month |
| Bank Alfalah | Bank Alfalah Visa Ultra Cashback Card | Other | PKR 11,000 | PKR 5,500 | PKR 11,000 | First-year annual fee waiver only, on PKR 75,000 eligible spend within 2 months; not eligible for the standard ongoing spend-based reversal. | Salary PKR 50,000/month |
| Bank Alfalah | Bank Alfalah American Express Gold Credit Card | Mid | PKR 13,500 | PKR 7,000 | Not published | First-year annual fee waived for Bank Alfalah Premier Banking customers only; AMEX is explicitly NOT eligible for the standard spend-based reversal. | Salary PKR 50,000/month |
| Bank Alfalah | Visa Gold Credit Card | Mid | PKR 14,000 | PKR 7,000 | Not published | Basic card annual-fee reversal on PKR 200,000 eligible retail spend within 2 months; supplementary on PKR 100,000 within 2 months. | Salary PKR 50,000/month |
| Bank Alfalah | Bank Alfalah Mastercard Optimus Credit Card | Other | PKR 17,000 | PKR 8,500 | Not published | Basic card annual-fee reversal on PKR 300,000 eligible retail spend within 2 months; supplementary on PKR 150,000 within 2 months. | Salary PKR 50,000/month |
| Bank Alfalah | Bank Alfalah Visa Platinum Credit Card | Premium | PKR 23,000 | PKR 11,500 | Not published | Basic card annual-fee reversal on PKR 475,000 eligible retail spend within 2 months; supplementary on PKR 237,500 within 2 months. | Salary PKR 50,000/month |
| Bank of Punjab | BOP Mastercard Gold Credit Card | Mid | PKR 6,250 | PKR 3,125 | Not published | Spend PKR 40,000 within 60 days of issuance to reverse the annual fee (via helpline). | Salary PKR 20,000/month |
| Bank of Punjab | BOP Mastercard Lahore Qalandar Business Credit Card | Other | PKR 6,250 | PKR 3,125 | Not published | Spend PKR 70,000 within 60 days of issuance to reverse the annual fee (via helpline). | Salary PKR 20,000/month |
| Bank of Punjab | BOP Mastercard Platinum Credit Card | Premium | PKR 15,625 | PKR 7,812 | Not published | Spend PKR 100,000 within 60 days of issuance to reverse the annual fee (via helpline). | Salary PKR 20,000/month |
| Bank of Punjab | BOP Mastercard World Credit Card | Premium | PKR 25,000 | PKR 12,500 | Not published | Spend PKR 1,500,000 within 12 months to reverse the annual fee. | Salary PKR 20,000/month |
| Faysal Bank Limited | Faysal Islami Noor Velocity Card | Other | PKR 6,500 | PKR 1,600 | Not published | Primary: annual fee Rs. 6,500 reduced to Rs. 600 if Rs. 20,000 is spent within 60 days. Supplementary: Rs. 1,600 reversed on Rs. 10,000 spend within 60 days (Noor Card KFS Jul-Dec 2026). | Salary PKR 40,000/month |
| Faysal Bank Limited | Faysal Islami Noor Flexi Card | Other | PKR 9,000 | PKR 3,500 | PKR 5,000 | Not published | |
| Faysal Bank Limited | Faysal Islami Noor Gold Card | Mid | PKR 11,000 | PKR 2,000 | Not published | Primary: annual fee Rs. 11,000 reduced to Rs. 900 if Rs. 30,000 is spent within 60 days. Supplementary: Rs. 2,000 reversed on Rs. 15,000 spend within 60 days (Noor Card KFS Jul-Dec 2026). | Salary PKR 40,000/month |
| Faysal Bank Limited | Faysal Islami Noor Titanium Card | Mid | PKR 13,000 | PKR 4,000 | Not published | Primary: annual fee Rs. 13,000 reduced to Rs. 1,100 if Rs. 40,000 is spent within 60 days. Supplementary: Rs. 4,000 reversed on Rs. 20,000 spend within 60 days (Noor Card KFS Jul-Dec 2026). | Salary PKR 40,000/month |
| Faysal Bank Limited | Faysal Islami Noor Platinum Card | Premium | PKR 19,000 | PKR 6,000 | Not published | Primary: annual fee Rs. 19,000 reduced to Rs. 2,100 if Rs. 200,000 is spent within 60 days. Supplementary: Rs. 6,000 reversed on Rs. 25,000 spend within 60 days (Noor Card KFS Jul-Dec 2026). | Salary PKR 40,000/month |
| Faysal Bank Limited | Faysal Islami Noor World Card | Premium | PKR 26,000 | PKR 12,500 | Not published | Primary: annual fee Rs. 26,000 reduced to Rs. 2,500 if Rs. 400,000 is spent within 60 days. Supplementary: Rs. 12,500 reversed on Rs. 50,000 spend within 60 days (Noor Card KFS Jul-Dec 2026). | Salary PKR 40,000/month |
| HBL | HBL FuelSaver Green CreditCard | Entry | PKR 3,600 | PKR 2,100 | Not published | Salary PKR 35,000/month | |
| HBL | HBL Green CreditCard | Entry | PKR 6,500 | PKR 3,250 | Not published | Salary PKR 35,000/month | |
| HBL | HBL FuelSaver Gold CreditCard | Mid | PKR 7,200 | PKR 4,200 | Not published | Salary PKR 100,000/month | |
| HBL | HBL Gold CreditCard | Mid | PKR 14,000 | PKR 7,000 | Not published | Salary PKR 100,000/month | |
| HBL | HBL Platinum CreditCard | Premium | PKR 22,000 | PKR 11,000 | Not published | HBL Prestige members receive a 50% waiver on the Platinum CreditCard annual fee, 50% on supplementary fee and 50% on card replacement fee (Jul-Dec 2026 SOBC Part T, Credit Card). | Salary PKR 400,000/month |
| JS Bank | JS Credit Card Classic | Entry | PKR 5,000 | PKR 2,000 | Free | Reduced fee of PKR 1,200 charged on spending PKR 25,000 within 1 month of card activation. | Salary PKR 70,000/month |
| JS Bank | Visa Gold Credit Card | Mid | PKR 8,500 | PKR 3,500 | Free | Reduced fee of PKR 1,800 charged on spending PKR 50,000 within 1 month of card activation. | Salary PKR 70,000/month |
| JS Bank | JS Credit Card Platinum | Premium | PKR 15,000 | PKR 6,500 | Free | Reduced fee of PKR 3,100 charged on spending PKR 100,000 within 1 month of card activation. | Salary PKR 70,000/month |
| JS Bank | Private Banking Visa Signature Credit Card | Premium | PKR 20,000 | PKR 8,000 | Free | Reduced fee of PKR 7,700 charged on spending PKR 150,000 within 1 month of card activation. | Relationship balance PKR 3,000,000 |
| MCB Bank Limited | Visa Classic Credit Card | Entry | PKR 7,000 | PKR 3,500 | Not published | 100% annual-fee waiver if the basic card spends PKR 50,000 within 60 days of the fee charge date (supplementary card waiver requires PKR 10,000 supplementary spend within 60 days, with no cross-eligibility between basic and supplementary). | Not published |
| MCB Bank Limited | Visa Gold Credit Card | Mid | PKR 14,000 | PKR 7,000 | Not published | 100% annual-fee waiver if the basic card spends PKR 150,000 within 60 days of the fee charge date (supplementary card waiver requires PKR 25,000 supplementary spend within 60 days, with no cross-eligibility between basic and supplementary). | Not published |
| MCB Bank Limited | Visa Platinum Credit Card | Premium | PKR 22,000 | PKR 11,000 | Not published | 100% annual-fee waiver if the basic card spends PKR 250,000 within 60 days of the fee charge date (supplementary card waiver requires PKR 50,000 supplementary spend within 60 days, with no cross-eligibility between basic and supplementary). | Not published |
| Standard Chartered Bank Pakistan | Easy Credit | Other | PKR 9,000 | PKR 1,000 | Free | First-year fee reversed on spending PKR 200,000 or 70% of card limit (whichever is lower) within 3 months of issuance; cash advance spend also counts for Easy Credit. First-year fee also reversed on digital acquisition and supplementary first-year fee waived (promotions valid till 31 Dec 2026). Second year onwards: 1.5x credit limit in 3 months after fee charge, capped at PKR 800,000 and floored at PKR 200,000. Priority/Employee/Premium first-year waivers do not apply to Easy Credit (spend-based reversal instead). | Salary PKR 50,000/month |
| Standard Chartered Bank Pakistan | Mastercard Titanium Credit Card | Mid | PKR 14,500 | PKR 7,000 | Free | No Titanium-specific first-year spend grid is published (CCPL_MID Table 2 covers Platinum, World and Easy Credit only); first-year fee reversed on digital acquisition for all credit cards and supplementary first-year fee waived (promotions valid till 31 Dec 2026). Second year onwards spend-based reversal grouped with Platinum (1.5x credit limit in 3 months, capped PKR 800,000, floored PKR 200,000) per the 2026 annual fee reversal criteria PDF. Priority Banking clients: annual and joining fee waiver on all credit cards except World and Easy Credit (Jul-Dec 2026 SOC). | Salary PKR 40,000/month |
| Standard Chartered Bank Pakistan | Mastercard Platinum Credit Card | Premium | PKR 20,000 | PKR 9,000 | Free | First-year fee reversed on spending PKR 200,000 (or 70% of card limit, whichever is lower) within 3 months of issuance; first-year fee also reversed on digital acquisition and supplementary first-year fee waived (promotions valid till 31 Dec 2026). Second year onwards: 1.5x credit limit in 3 months after fee charge, capped at PKR 800,000 and floored at PKR 200,000. Waived for Priority Banking clients while Priority criteria are met; first-year waiver for Employee Banking and Premium Banking. | Salary PKR 300,000/month |
| Standard Chartered Bank Pakistan | Saadiq Mastercard Platinum Credit Card | Premium | PKR 20,000 | PKR 9,000 | Free | First-year fee reversed on spending PKR 200,000 or 70% of card limit (whichever is lower) within 3 months of issuance. First-year fee also reversed on digital acquisition (promotion valid till 31 Dec 2026). Supplementary first-year fee waived as a promotion till 31 Dec 2026. Employee Banking and Premium Banking get first-year waiver; Priority Banking gets ongoing waiver while Priority criteria are met. Second year onwards: 1.5x credit limit, capped PKR 800,000 / floored PKR 200,000. | Salary PKR 100,000/month |
| Standard Chartered Bank Pakistan | Mastercard World Credit Card | Premium | PKR 26,000 | PKR 11,000 | Free | First-year fee reversed on spending PKR 300,000 within 3 months of issuance (no 70% cap option); first-year fee also reversed on digital acquisition and supplementary first-year fee waived (promotions valid till 31 Dec 2026). Second year onwards: 1.5x credit limit in 3 months after fee charge, capped at PKR 900,000 and floored at PKR 600,000. Priority/Employee/Premium first-year waivers do not apply to World (spend-based reversal instead). | Salary PKR 500,000/month |
| United Bank Limited (UBL) | UBL Credit Card Classic | Entry | PKR 6,000 | PKR 3,000 | Not published | Annual fee reversed if primary + supplementary combined retail spend reaches PKR 50,000 within 60 days of the statement on which the annual fee is levied; reversal request must be made within 120 days; FED on annual fee is not reversed. | Not published |
| United Bank Limited (UBL) | UBL Credit Card Gold | Mid | PKR 12,000 | PKR 6,000 | Not published | Annual fee reversed if primary + supplementary combined retail spend reaches PKR 100,000 within 60 days of the statement on which the annual fee is levied; reversal request must be made within 120 days; FED on annual fee is not reversed. | Not published |
| United Bank Limited (UBL) | UBL Visa Platinum Credit Card | Premium | PKR 22,000 | PKR 11,000 | Not published | Annual fee reversed if primary + supplementary combined retail spend reaches PKR 300,000 within 60 days of the statement on which the annual fee is levied; reversal request must be made within 120 days; FED on annual fee is not reversed. | Not published |
Related
Questions about credit card fees
Which credit cards in Pakistan have no annual fee?
2 credit cards on this list have no annual fee, including Bank Alfalah Premier Visa Platinum Credit Card and Bank Alfalah Premier Visa Signature Credit Card. Some of them are free only for holders of a particular account, so check the eligibility column.
How much is a credit card annual fee in Pakistan?
Among cards that charge one, the median annual fee is PKR 12,500. The lowest is PKR 3,500 and the highest is PKR 26,000. Premium tiers cost more; the tier table above shows the median for each.
What salary do I need for a credit card?
36 of the 48 cards on this list have a published minimum monthly salary, from PKR 20,000 to PKR 1,000,000. For the other 12, the bank publishes a balance requirement or no threshold at all.
Can I get my credit card annual fee waived?
41 cards publish a waiver, usually for spending a set amount, keeping a minimum balance, or holding a salary account. Our guide to annual fee waivers groups them by type.
How current are these fees?
Every card was checked against its bank's Jul to Dec 2026 schedule of charges, key fact statements and product pages. Banks publish new schedules every January and July, and we re-check all cards after each one.