At a glance
UBL cards have restaurant offers at 192 restaurants and Bank AL Habib cards at 231, so Bank AL Habib covers more overall. 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). 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 104 restaurants where both banks have an offer, UBL gives the bigger discount at 35 and Bank AL Habib at 16.
Side by side
| UBL | Bank AL Habib | |
|---|---|---|
| Restaurants with an offer | 192 | 231 |
| In Karachi | 88 | 155 |
| In Lahore | 95 | 68 |
| In Islamabad | 40 | 42 |
| Cards with dining offers | 17 | 14 |
| Highest discount | 55% | 50% |
| Best-ranked card | United Bank Limited (UBL) Mastercard Signature Debit Card | AL Habib Signature Debit Card |
| Lowest-fee card | UBL Mastercard WIZ Virtual Prepaid Card | AL Habib PayPak Debit Card |
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 |
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
104 restaurants have offers from both banks. The biggest 25 are below; each figure is that bank's best offer there.
| Restaurant | City | UBL | Bank AL Habib |
|---|---|---|---|
| Cafe Aylanto | Karachi | 40% (cap PKR 10,000) | 50% (cap PKR 7,000) |
| Cafe Aylanto | Lahore | 40% (cap PKR 10,000) | 50% (cap PKR 7,000) |
| Esquires Coffee Pakistan | Karachi | 30% (cap PKR 5,000) | 50% (cap PKR 5,000) |
| Ghalib Restaurant | Karachi | 30% (cap PKR 5,000) | 50% (cap PKR 5,000) |
| Kababjees | Karachi | 30% (cap PKR 5,000) | 50% (cap PKR 5,000) |
| Kababjees | Lahore | 30% (cap PKR 5,000) | 50% (cap PKR 5,000) |
| The Monal | Lahore | 30% (cap PKR 5,000) | 50% (cap PKR 5,000) |
| Aangan Restaurant & Banquet Hall | Lahore | 30% (cap PKR 5,000) | 40% (cap PKR 4,000) |
| Bistro Rozana - Marriott Karachi | Karachi | 40% (cap PKR 10,000) | 40% (cap PKR 4,000) |
| Bukhara | Lahore | 40% (cap PKR 10,000) | 40% (cap PKR 4,000) |
| Cafe Bareeze | Lahore | 40% (cap PKR 10,000) | 25% (cap PKR 5,000) |
| Cafe Flo | Karachi | 40% (cap PKR 7,500) | 40% (cap PKR 7,000) |
| Cafe Latte | Lahore | 40% (cap PKR 10,000) | 40% (cap PKR 4,000) |
| Cafeela | Karachi | 30% (cap PKR 5,000) | 40% (cap PKR 4,000) |
| Chandni | Karachi | 40% (cap PKR 10,000) | 40% (cap PKR 4,000) |
| Chatterbox Cafe | Karachi | 30% (cap PKR 5,000) | 40% (cap PKR 4,000) |
| Colette By Xander's | Karachi | 40% (cap PKR 7,500) | 30% (cap PKR 3,000) |
| Crying Tiger | Karachi | 40% (cap PKR 8,000) | 30% (cap PKR 5,000) |
| Da Noi | Karachi | 40% (cap PKR 10,000) | 40% (cap PKR 4,000) |
| Dan Dan | Lahore | 40% (cap PKR 10,000) | 40% (cap PKR 4,000) |
| Dumpukht | Lahore | 40% (cap PKR 10,000) | 40% (cap PKR 4,000) |
| Evergreen | Karachi | 40% (cap PKR 7,500) | 30% (cap PKR 3,000) |
| Fred The Kitchen | Lahore | 40% (cap PKR 10,000) | 40% (cap PKR 7,000) |
| Freddy's Cafe | Lahore | 30% (cap PKR 5,000) | 40% (cap PKR 4,000) |
| Gaijin | Lahore | 40% (cap PKR 10,000) | 30% (cap PKR 5,000) |
UBL vs Bank AL Habib: frequently asked
Is UBL or Bank AL Habib better for restaurant discounts?
Bank AL Habib has offers at more restaurants (231 vs 192). 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). 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, UBL or Bank AL Habib?
Restaurants with an offer by city: Karachi: UBL 88, Bank AL Habib 155 (Bank AL Habib ahead); Lahore: UBL 95, Bank AL Habib 68 (UBL ahead); Islamabad: UBL 40, Bank AL Habib 42 (Bank AL Habib ahead).
Where do both UBL and Bank AL Habib give restaurant discounts?
104 restaurants have offers from both. UBL's discount is bigger at 35 of them and Bank AL Habib's at 16; the rest are equal. The largest shared offers are at Cafe Aylanto (Karachi), Cafe Aylanto (Lahore), Esquires Coffee Pakistan (Karachi) and Ghalib Restaurant (Karachi).
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.
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.