At a glance
HBL cards have restaurant offers at 232 restaurants and UBL cards at 192, 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). UBL's best card is United Bank Limited (UBL) Mastercard Signature Debit Card, #15 of 235 cards nationally (about PKR 2,953 saved per outing). At the 117 restaurants where both banks have an offer, HBL gives the bigger discount at 41 and UBL at 18.
Side by side
| HBL | UBL | |
|---|---|---|
| Restaurants with an offer | 232 | 192 |
| In Karachi | 110 | 88 |
| In Lahore | 107 | 95 |
| In Islamabad | 74 | 40 |
| Cards with dining offers | 16 | 17 |
| Highest discount | 40% | 55% |
| Best-ranked card | HBL World Elite DebitCard | United Bank Limited (UBL) Mastercard Signature Debit Card |
| Lowest-fee card | HBL World Elite DebitCard | UBL Mastercard WIZ Virtual Prepaid 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 UBL cards
| Card | Bank | Est. saving per outing | Restaurants covered | Avg discount | Annual fee |
|---|---|---|---|---|---|
| #15United Bank Limited (UBL) Mastercard Signature Debit Card |  United Bank Limited (UBL) |
PKR 2,953 | 222 of 1,467 | 30% | PKR 25,000 |
| #16UBL Visa Infinite Debit Card | United Bank Limited (UBL) |
PKR 2,957 | 223 of 1,467 | 30% | PKR 45,000 |
| #31UBL Visa Platinum Credit Card | United Bank Limited (UBL) |
PKR 2,543 | 213 of 1,467 | 26% | PKR 22,000 |
| #94UBL Visa Premium Plus Debit Card | United Bank Limited (UBL) |
PKR 1,824 | 102 of 1,467 | 18% | PKR 2,900 |
| #103UBL Visa Gold Credit Card | United Bank Limited (UBL) |
PKR 1,797 | 101 of 1,467 | 18% | PKR 12,000 |
Restaurants where both banks give a discount
117 restaurants have offers from both banks. The biggest 25 are below; each figure is that bank's best offer there.
| Restaurant | City | HBL | UBL |
|---|---|---|---|
| Angeethi | Karachi | 40% (cap PKR 10,000) | 40% (cap PKR 5,000) |
| Bagh - The Family Restaurant | Lahore | 40% (cap PKR 20,000) | 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) |
| Bistro Rozana - Marriott Karachi | Karachi | 40% (cap PKR 30,000) | 40% (cap PKR 10,000) |
| Bohat Aala Restaurant | Lahore | 40% (cap PKR 20,000) | 30% (cap PKR 5,000) |
| Bukhara | Lahore | 40% (cap PKR 15,000) | 40% (cap PKR 10,000) |
| 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 7,500) |
| Cafe Latte | Lahore | 40% (cap PKR 15,000) | 40% (cap PKR 10,000) |
| Cafe Zouk | Lahore | 40% (cap PKR 15,000) | 30% (cap PKR 5,000) |
| Chandni | Karachi | 40% (cap PKR 15,000) | 40% (cap PKR 10,000) |
| 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 7,500) |
| Cosa Nostra | Lahore | 40% (cap PKR 10,000) | 40% (cap PKR 10,000) |
| Don Corrado | Karachi | 30% (cap PKR 5,000) | 40% (cap PKR 20,000) |
| Dumpukht | Lahore | 40% (cap PKR 15,000) | 40% (cap PKR 10,000) |
| Eggspectation Restaurant Cafe | Islamabad | 40% (cap PKR 25,000) | 30% (cap PKR 5,000) |
| Eggspectation Restaurant Cafe | Karachi | 40% (cap PKR 25,000) | 30% (cap PKR 5,000) |
| Eggspectation Restaurant Cafe | Lahore | 40% (cap PKR 25,000) | 30% (cap PKR 5,000) |
| English Tea House | Islamabad | 40% (cap PKR 10,000) | 30% (cap PKR 5,000) |
| English Tea House | Karachi | 40% (cap PKR 10,000) | 30% (cap PKR 5,000) |
| English Tea House | Lahore | 40% (cap PKR 10,000) | 30% (cap PKR 5,000) |
| Espresso | Karachi | 40% (cap PKR 5,000) | 30% (cap PKR 5,000) |
HBL vs UBL: frequently asked
Is HBL or UBL better for restaurant discounts?
HBL has offers at more restaurants (232 vs 192). HBL's best card is HBL World Elite DebitCard, #3 of 235 cards nationally (about PKR 2,771 saved per outing). UBL's best card is United Bank Limited (UBL) Mastercard Signature Debit Card, #15 of 235 cards nationally (about PKR 2,953 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 UBL?
Restaurants with an offer by city: Karachi: HBL 110, UBL 88 (HBL ahead); Lahore: HBL 107, UBL 95 (HBL ahead); Islamabad: HBL 74, UBL 40 (HBL ahead).
Where do both HBL and UBL give restaurant discounts?
117 restaurants have offers from both. HBL's discount is bigger at 41 of them and UBL's at 18; the rest are equal. The largest shared offers are at Angeethi (Karachi), Bagh - The Family Restaurant (Lahore), Bar.B.Q Tonight (Karachi) and Bar.B.Q Tonight (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 UBL card with restaurant discounts?
UBL Mastercard WIZ Virtual Prepaid Card has no annual fee. It ranks #115 of 235 cards nationally on restaurant savings.