At a glance
HBL cards have restaurant offers at 232 restaurants and NBP cards at 533, so NBP covers more overall. HBL's best card is HBL World Elite DebitCard, #3 of 235 cards nationally (about PKR 2,771 saved per outing). NBP's best card is National Bank of Pakistan PayPak Pink, #32 of 235 cards nationally (about PKR 1,057 saved per outing). At the 31 restaurants where both banks have an offer, HBL gives the bigger discount at 17 and NBP at 10.
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 NBP cards
| Card | Bank | Est. saving per outing | Restaurants covered | Avg discount | Annual fee |
|---|---|---|---|---|---|
| #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 |
| #37National Bank of Pakistan UPI Classic | National Bank of Pakistan |
PKR 1,057 | 577 of 1,467 | 21% | PKR 2,500 |
| #39National Bank of Pakistan UPI Gold | National Bank of Pakistan |
PKR 1,057 | 577 of 1,467 | 21% | PKR 3,500 |
| #40National Bank of Pakistan PayPak Edge co-badge Mastercard | National Bank of Pakistan |
PKR 1,057 | 577 of 1,467 | 21% | PKR 5,000 |
Restaurants where both banks give a discount
31 restaurants have offers from both banks. The biggest 25 are below; each figure is that bank's best offer there.
| Restaurant | City | HBL | NBP |
|---|---|---|---|
| Del Frio | Karachi | 15% | 50% |
| Maxim's Restaurant | Karachi | 15% | 50% |
| Pizza Max | Karachi | 20% | 50% |
| Pizza Max | Lahore | 20% | 50% |
| Hardee's | Islamabad | 25% (cap PKR 2,000) | 45% |
| Hardee's | Karachi | 25% (cap PKR 2,000) | 45% |
| Hardee's | Lahore | 25% (cap PKR 2,000) | 45% |
| Mithaas Lahore | Lahore | 40% (cap PKR 15,000) | 15% (cap PKR 1,500) |
| Tuscany Courtyard | Islamabad | 40% (cap PKR 25,000) | 15% |
| Tuscany Courtyard Lahore | Lahore | 40% (cap PKR 25,000) | 15% |
| Villa The Grand Buffet | Lahore | 40% (cap PKR 20,000) | 15% |
| Big Bash | Karachi | 20% | 35% |
| Double Cheeze | Karachi | 15% | 35% |
| Costa Coffee Pakistan | Islamabad | 30% (cap PKR 30,000) | 20% (cap PKR 3,000) |
| Costa Coffee Pakistan | Karachi | 30% (cap PKR 30,000) | 20% (cap PKR 3,000) |
| Costa Coffee Pakistan | Lahore | 30% (cap PKR 30,000) | 20% (cap PKR 3,000) |
| CP Five Star | Lahore | 30% (cap PKR 5,000) | 25% |
| Nom Nom Wok | Islamabad | 30% (cap PKR 10,000) | 20% |
| Trieste | Islamabad | 25% (cap PKR 5,000) | 30% |
| Adelante Steak House | Islamabad | 25% (cap PKR 5,000) | 20% |
| Ribeye | Islamabad | 25% (cap PKR 8,000) | 10% |
| Tau's Restaurant | Islamabad | 25% (cap PKR 5,000) | 10% (cap PKR 3,000) |
| Casa Rica | Islamabad | 20% (cap PKR 5,000) | 15% |
| Chaaye Khana | Islamabad | 20% (cap PKR 8,000) | 15% |
| HeatBox Pizza | Islamabad | 20% | 20% |
HBL vs NBP: frequently asked
Is HBL or NBP better for restaurant discounts?
NBP has offers at more restaurants (533 vs 232). HBL's best card is HBL World Elite DebitCard, #3 of 235 cards nationally (about PKR 2,771 saved per outing). NBP's best card is National Bank of Pakistan PayPak Pink, #32 of 235 cards nationally (about PKR 1,057 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 NBP?
Restaurants with an offer by city: Karachi: HBL 110, NBP 214 (NBP ahead); Lahore: HBL 107, NBP 228 (NBP ahead); Islamabad: HBL 74, NBP 135 (NBP ahead).
Where do both HBL and NBP give restaurant discounts?
31 restaurants have offers from both. HBL's discount is bigger at 17 of them and NBP's at 10; the rest are equal. The largest shared offers are at Del Frio (Karachi), Maxim's Restaurant (Karachi), Pizza Max (Karachi) and Pizza Max (Lahore).
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 NBP card with restaurant discounts?
National Bank of Pakistan PayPak Pink has no annual fee. It ranks #32 of 235 cards nationally on restaurant savings.