At a glance
HBL cards have restaurant offers at 232 restaurants and Bank AL Habib cards at 231, so HBL covers more overall. HBL's best card is HBL World Elite DebitCard, #3 of 235 cards nationally (about PKR 2,771 saved per outing). Bank AL Habib's best card is AL Habib Signature Debit Card, #10 of 235 cards nationally (about PKR 2,790 saved per outing). At the 113 restaurants where both banks have an offer, HBL gives the bigger discount at 42 and Bank AL Habib at 36.
Side by side
| HBL | Bank AL Habib | |
|---|---|---|
| Restaurants with an offer | 232 | 231 |
| In Karachi | 110 | 155 |
| In Lahore | 107 | 68 |
| In Islamabad | 74 | 42 |
| Cards with dining offers | 16 | 14 |
| Highest discount | 40% | 50% |
| Best-ranked card | HBL World Elite DebitCard | AL Habib Signature Debit Card |
| Lowest-fee card | HBL World Elite DebitCard | AL Habib PayPak Debit Card |
Top HBL cards
| Card | Bank | Est. saving per outing | Restaurants covered | Avg discount | Annual fee |
|---|---|---|---|---|---|
| #3HBL World Elite DebitCard |  Habib Bank Limited |
PKR 2,771 | 291 of 1,467 | 28% | Free |
| #7HBL Visa Infinite CreditCard | Habib Bank Limited |
PKR 3,127 | 269 of 1,467 | 32% | PKR 22,000 |
| #11HBL Platinum CreditCard | Habib Bank Limited |
PKR 2,327 | 288 of 1,467 | 24% | PKR 22,000 |
| #22HBL World Business DebitCard | Habib Bank Limited |
PKR 2,227 | 265 of 1,467 | 23% | PKR 22,000 |
| #23HBL World DebitCard | Habib Bank Limited |
PKR 2,221 | 264 of 1,467 | 23% | PKR 20,000 |
Top Bank AL Habib cards
| Card | Bank | Est. saving per outing | Restaurants covered | Avg discount | Annual fee |
|---|---|---|---|---|---|
| #10AL Habib Signature Debit Card |  Bank AL Habib |
PKR 2,790 | 265 of 1,467 | 30% | PKR 23,000 |
| #30AL Habib Platinum Credit Card | Bank AL Habib |
PKR 2,258 | 235 of 1,467 | 24% | PKR 20,000 |
| #42AL Habib Platinum Debit Card | Bank AL Habib |
PKR 2,255 | 216 of 1,467 | 24% | PKR 10,000 |
| #60AL Habib Gold Credit Card | Bank AL Habib |
PKR 2,017 | 143 of 1,467 | 21% | PKR 8,000 |
| #68AL Habib Gold Debit Card | Bank AL Habib |
PKR 1,935 | 139 of 1,467 | 20% | PKR 4,500 |
Restaurants where both banks give a discount
113 restaurants have offers from both banks. The biggest 25 are below; each figure is that bank's best offer there.
| Restaurant | City | HBL | Bank AL Habib |
|---|---|---|---|
| Cafe Aylanto | Karachi | 40% (cap PKR 15,000) | 50% (cap PKR 7,000) |
| Cafe Aylanto | Lahore | 40% (cap PKR 15,000) | 50% (cap PKR 7,000) |
| Esquires Coffee Pakistan | Karachi | 30% (cap PKR 5,000) | 50% (cap PKR 5,000) |
| Fuchsia | Karachi | 40% (cap PKR 15,000) | 50% (cap PKR 7,000) |
| Fuchsia Kitchen | Lahore | 40% (cap PKR 15,000) | 50% (cap PKR 7,000) |
| Gaia Japanese Fusion | Islamabad | 40% (cap PKR 10,000) | 50% (cap PKR 10,000) |
| Gaia Japanese Fusion | Lahore | 40% (cap PKR 10,000) | 50% (cap PKR 10,000) |
| Ghalib Restaurant | Karachi | 40% (cap PKR 10,000) | 50% (cap PKR 5,000) |
| Kababjees | Karachi | 40% (cap PKR 10,000) | 50% (cap PKR 5,000) |
| Kababjees | Lahore | 40% (cap PKR 10,000) | 50% (cap PKR 5,000) |
| Newbury Cafe | Karachi | 15% (cap PKR 5,000) | 50% (cap PKR 5,000) |
| The Poet Boutique Restaurant | Lahore | 40% (cap PKR 25,000) | 50% (cap PKR 5,000) |
| WildFlour by NK | Karachi | 40% (cap PKR 20,000) | 50% (cap PKR 15,000) |
| Ala Rahi | Karachi | 30% (cap PKR 10,000) | 40% (cap PKR 4,000) |
| Bar.B.Q Tonight | Karachi | 40% (cap PKR 10,000) | 20% (cap PKR 2,000) |
| Bar.B.Q Tonight | Lahore | 40% (cap PKR 10,000) | 20% (cap PKR 2,000) |
| Bistro Rozana - Marriott Karachi | Karachi | 40% (cap PKR 30,000) | 40% (cap PKR 4,000) |
| Bukhara | Lahore | 40% (cap PKR 15,000) | 40% (cap PKR 4,000) |
| Cafe Flo | Karachi | 40% (cap PKR 30,000) | 40% (cap PKR 7,000) |
| Cafe Latte | Lahore | 40% (cap PKR 15,000) | 40% (cap PKR 4,000) |
| Cafeela | Karachi | 25% (cap PKR 5,000) | 40% (cap PKR 4,000) |
| Chandni | Karachi | 40% (cap PKR 15,000) | 40% (cap PKR 4,000) |
| Chatterbox Cafe | Karachi | 20% (cap PKR 10,000) | 40% (cap PKR 4,000) |
| ChinaTown - Lahore | Lahore | 30% | 40% (cap PKR 4,000) |
| Cocochan | Karachi | 40% (cap PKR 10,000) | 30% (cap PKR 3,000) |
HBL vs Bank AL Habib: frequently asked
Is HBL or Bank AL Habib better for restaurant discounts?
HBL has offers at more restaurants (232 vs 231). HBL's best card is HBL World Elite DebitCard, #3 of 235 cards nationally (about PKR 2,771 saved per outing). Bank AL Habib's best card is AL Habib Signature Debit Card, #10 of 235 cards nationally (about PKR 2,790 saved per outing). The better bank for you depends on which restaurants you visit and your bill size, which the KonsaCard tool can rank for you.
Which has more restaurant discounts in Karachi, Lahore and Islamabad, HBL or Bank AL Habib?
Restaurants with an offer by city: Karachi: HBL 110, Bank AL Habib 155 (Bank AL Habib ahead); Lahore: HBL 107, Bank AL Habib 68 (HBL ahead); Islamabad: HBL 74, Bank AL Habib 42 (HBL ahead).
Where do both HBL and Bank AL Habib give restaurant discounts?
113 restaurants have offers from both. HBL's discount is bigger at 42 of them and Bank AL Habib's at 36; the rest are equal. The largest shared offers are at Cafe Aylanto (Karachi), Cafe Aylanto (Lahore), Esquires Coffee Pakistan (Karachi) and Fuchsia (Karachi).
What is the cheapest HBL card with restaurant discounts?
HBL World Elite DebitCard has no annual fee. It ranks #3 of 235 cards nationally on restaurant savings.
What is the cheapest Bank AL Habib card with restaurant discounts?
AL Habib PayPak Debit Card has the lowest published annual fee among Bank AL Habib cards with dining offers, PKR 2,750 a year. It ranks #87 of 235 cards nationally on restaurant savings.