At a glance
HBL cards have restaurant offers at 232 restaurants and MCB cards at 127, 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). MCB's best card is MCB Bank Limited Visa Signature Debit Card, #36 of 235 cards nationally (about PKR 2,917 saved per outing). At the 82 restaurants where both banks have an offer, HBL gives the bigger discount at 36 and MCB at 23.
Side by side
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 MCB cards
| Card | Bank | Est. saving per outing | Restaurants covered | Avg discount | Annual fee |
|---|---|---|---|---|---|
| #36MCB Bank Limited Visa Signature Debit Card |  MCB Bank Limited |
PKR 2,917 | 167 of 1,467 | 31% | Not published |
| #58MCB Bank Limited Visa Platinum Credit Card | MCB Bank Limited |
PKR 1,979 | 167 of 1,467 | 28% | PKR 22,000 |
| #90MCB Bank Limited Visa Platinum Debit Card | MCB Bank Limited |
PKR 1,700 | 138 of 1,467 | 29% | PKR 14,000 |
| #131MCB Bank Limited Nayab Visa Debit Card | MCB Bank Limited |
PKR 1,221 | 119 of 1,467 | 21% | PKR 4,500 |
| #157MCB Bank Limited Visa Gold Credit Card | MCB Bank Limited |
PKR 1,317 | 106 of 1,467 | 21% | PKR 14,000 |
Restaurants where both banks give a discount
82 restaurants have offers from both banks. The biggest 25 are below; each figure is that bank's best offer there.
| Restaurant | City | HBL | MCB |
|---|---|---|---|
| Rangoli | Karachi | 10% (cap PKR 5,000) | 60% (cap PKR 6,000) |
| Adaab | Lahore | 30% | 40% (cap PKR 5,000) |
| Angeethi | Karachi | 40% (cap PKR 10,000) | 40% (cap PKR 6,000) |
| Bar.B.Q Tonight | Islamabad | 40% (cap PKR 10,000) | 30% (cap PKR 5,000) |
| Bar.B.Q Tonight | Karachi | 40% (cap PKR 10,000) | 30% (cap PKR 5,000) |
| Bar.B.Q Tonight | Lahore | 40% (cap PKR 10,000) | 30% (cap PKR 5,000) |
| Bohat Aala Restaurant | Lahore | 40% (cap PKR 20,000) | 30% (cap PKR 5,000) |
| Cafe Aylanto | Karachi | 40% (cap PKR 15,000) | 40% (cap PKR 10,000) |
| Cafe Aylanto | Lahore | 40% (cap PKR 15,000) | 40% (cap PKR 10,000) |
| Cafe Flo | Karachi | 40% (cap PKR 30,000) | 40% (cap PKR 10,000) |
| Cafe Zouk | Lahore | 40% (cap PKR 15,000) | 30% (cap PKR 5,000) |
| Cafeela | Karachi | 25% (cap PKR 5,000) | 40% (cap PKR 6,000) |
| Chashni | Islamabad | 40% (cap PKR 10,000) | 30% (cap PKR 2,000) |
| Chashni | Lahore | 40% (cap PKR 10,000) | 30% (cap PKR 2,000) |
| ChinaTown - Lahore | Lahore | 30% | 40% (cap PKR 5,000) |
| Cocochan | Karachi | 40% (cap PKR 10,000) | 30% (cap PKR 5,000) |
| Colette By Xander's | Karachi | 40% (cap PKR 30,000) | 40% (cap PKR 6,000) |
| Cosa Nostra | Lahore | 40% (cap PKR 10,000) | 40% (cap PKR 6,000) |
| Cote Rotie | Karachi | 40% (cap PKR 30,000) | 40% (cap PKR 6,000) |
| Desi Table | Lahore | 40% (cap PKR 10,000) | 40% (cap PKR 5,000) |
| Dunkin | Islamabad | 40% (cap PKR 5,000) | 30% (cap PKR 5,000) |
| Dunkin | Lahore | 40% (cap PKR 5,000) | 30% (cap PKR 5,000) |
| Eggspectation Restaurant Cafe | Islamabad | 40% (cap PKR 25,000) | 40% (cap PKR 4,000) |
| Eggspectation Restaurant Cafe | Karachi | 40% (cap PKR 25,000) | 40% (cap PKR 4,000) |
| Eggspectation Restaurant Cafe | Lahore | 40% (cap PKR 25,000) | 40% (cap PKR 4,000) |
HBL vs MCB: frequently asked
Is HBL or MCB better for restaurant discounts?
HBL has offers at more restaurants (232 vs 127). HBL's best card is HBL World Elite DebitCard, #3 of 235 cards nationally (about PKR 2,771 saved per outing). MCB's best card is MCB Bank Limited Visa Signature Debit Card, #36 of 235 cards nationally (about PKR 2,917 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 MCB?
Restaurants with an offer by city: Karachi: HBL 110, MCB 54 (HBL ahead); Lahore: HBL 107, MCB 81 (HBL ahead); Islamabad: HBL 74, MCB 32 (HBL ahead).
Where do both HBL and MCB give restaurant discounts?
82 restaurants have offers from both. HBL's discount is bigger at 36 of them and MCB's at 23; the rest are equal. The largest shared offers are at Rangoli (Karachi), Adaab (Lahore), Angeethi (Karachi) and Bar.B.Q Tonight (Islamabad).
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 MCB card with restaurant discounts?
MCB Bank Limited Visa Fun Club Debit Card has the lowest published annual fee among MCB cards with dining offers, PKR 1,000 a year. It ranks #228 of 235 cards nationally on restaurant savings.