Health guide

Sindlab

Every bank card with an active discount at Sindlab in Karachi.

Cards18
Banks3
Best discount30%headline %
Cities1
Open the comparison tool →
Offers verified

About

Established in September 1978, Sindlab is one of the leading providers of private Clinical Laboratory.

Labs

Cards available at Sindlab

Every deal that shows a discount at Sindlab, sorted by headline discount. Many offers cap savings, so a big percentage can save less than a smaller one with no cap. Open the tool with Compare to rank by estimated savings on your bill.

Bank Card Type Offer Details Discount Cap Days Cities
Al Baraka Bank Mastercard Gold Debit Card Debit 30% off on Laboratory Services 30% N/A All Days Karachi Compare →
Al Baraka Bank Mastercard Platinum Debit Card Debit 30% off on Laboratory Services 30% N/A All Days Karachi Compare →
Al Baraka Bank Mastercard Silver Debit Card Debit 30% off on Laboratory Services 30% N/A All Days Karachi Compare →
Al Baraka Bank Nexgen Habib University PayPak Debit Card Debit 30% off on Laboratory Services 30% N/A All Days Karachi Compare →
Al Baraka Bank Nexgen IVS PayPak Debit Card Debit 30% off on Laboratory Services 30% N/A All Days Karachi Compare →
Al Baraka Bank Nexgen Riphah University PayPak Debit Card Debit 30% off on Laboratory Services 30% N/A All Days Karachi Compare →
Al Baraka Bank Nexgen Student PayPak Debit Card Debit 30% off on Laboratory Services 30% N/A All Days Karachi Compare →
Al Baraka Bank PayPak Debit Card Debit 30% off on Laboratory Services 30% N/A All Days Karachi Compare →
Al Baraka Bank UnionPay Gold Debit Card Debit 30% off on Laboratory Services 30% N/A All Days Karachi Compare →
Al Baraka Bank UnionPay Silver Debit Card Debit 30% off on Laboratory Services 30% N/A All Days Karachi Compare →
Faysal Bank Limited Faysal Islami Co-Badged Mastercard Paypak Debit Card Debit FLAT 30% off Everyday 30% N/A All Days Karachi Compare →
Faysal Bank Limited Faysal Islami Paypak Debit Card Debit FLAT 30% off Everyday 30% N/A All Days Karachi Compare →
Jubilee Life Insurance Gold Card Other 30% off on Laboratory Services 30% N/A All Days Karachi Compare →
Jubilee Life Insurance Platinum Card Other 30% off on Laboratory Services 30% N/A All Days Karachi Compare →
Jubilee Life Insurance Saffron Gold Other 30% off on Laboratory Services 30% N/A All Days Karachi Compare →
Jubilee Life Insurance Saffron Platinum Other 30% off on Laboratory Services 30% N/A All Days Karachi Compare →
Jubilee Life Insurance Saffron Silver Other 30% off on Laboratory Services 30% N/A All Days Karachi Compare →
Jubilee Life Insurance Silver Card Other 30% off on Laboratory Services 30% N/A All Days Karachi Compare →
Al Baraka Bank Mastercard Gold Debit Card Debit 20% off on X-Ray & Ultrasound Services 20% N/A All Days Karachi Compare →
Al Baraka Bank Mastercard Platinum Debit Card Debit 20% off on X-Ray & Ultrasound Services 20% N/A All Days Karachi Compare →
Al Baraka Bank Mastercard Silver Debit Card Debit 20% off on X-Ray & Ultrasound Services 20% N/A All Days Karachi Compare →
Al Baraka Bank Nexgen Habib University PayPak Debit Card Debit 20% off on X-Ray & Ultrasound Services 20% N/A All Days Karachi Compare →
Al Baraka Bank Nexgen IVS PayPak Debit Card Debit 20% off on X-Ray & Ultrasound Services 20% N/A All Days Karachi Compare →
Al Baraka Bank Nexgen Riphah University PayPak Debit Card Debit 20% off on X-Ray & Ultrasound Services 20% N/A All Days Karachi Compare →
Al Baraka Bank Nexgen Student PayPak Debit Card Debit 20% off on X-Ray & Ultrasound Services 20% N/A All Days Karachi Compare →
Al Baraka Bank PayPak Debit Card Debit 20% off on X-Ray & Ultrasound Services 20% N/A All Days Karachi Compare →
Al Baraka Bank UnionPay Gold Debit Card Debit 20% off on X-Ray & Ultrasound Services 20% N/A All Days Karachi Compare →
Al Baraka Bank UnionPay Silver Debit Card Debit 20% off on X-Ray & Ultrasound Services 20% N/A All Days Karachi Compare →
Jubilee Life Insurance Gold Card Other 20% off on X-Ray & Ultrasound Services 20% N/A All Days Karachi Compare →
Jubilee Life Insurance Platinum Card Other 20% off on X-Ray & Ultrasound Services 20% N/A All Days Karachi Compare →
Jubilee Life Insurance Saffron Gold Other 20% off on X-Ray & Ultrasound Services 20% N/A All Days Karachi Compare →
Jubilee Life Insurance Saffron Platinum Other 20% off on X-Ray & Ultrasound Services 20% N/A All Days Karachi Compare →
Jubilee Life Insurance Saffron Silver Other 20% off on X-Ray & Ultrasound Services 20% N/A All Days Karachi Compare →
Jubilee Life Insurance Silver Card Other 20% off on X-Ray & Ultrasound Services 20% N/A All Days Karachi Compare →

What these cards save and cost at Sindlab

On a PKR 5,000 purchase, the Faysal Islami Co-Badged Mastercard Paypak Debit Card saves the most at Sindlab: about PKR 1,500. Every card here with a published fee charges one. The cheapest to keep is the Faysal Islami Co-Badged Mastercard Paypak Debit Card at PKR 2,300 a year. 6 banks do not publish the fee for their cards.

CardSaves per visitAnnual feeVisits to cover the feeEligibility
Faysal Islami Co-Badged Mastercard Paypak Debit Card PKR 1,500 PKR 2,300 2 visits Not published
Faysal Islami Paypak Debit Card PKR 1,500 PKR 2,300 2 visits Not published
Nexgen Habib University PayPak Debit Card PKR 1,500 PKR 2,500 2 visits Balance PKR 100
Nexgen IVS PayPak Debit Card PKR 1,500 PKR 2,500 2 visits Balance PKR 100
Nexgen Riphah University PayPak Debit Card PKR 1,500 PKR 2,500 2 visits Balance PKR 100
Nexgen Student PayPak Debit Card PKR 1,500 PKR 2,500 2 visits Balance PKR 100
PayPak Debit Card PKR 1,500 PKR 2,500 (can be waived) 2 visits Not published
UnionPay Silver Debit Card PKR 1,500 PKR 2,800 2 visits Not published
Mastercard Silver Debit Card PKR 1,500 PKR 3,500 (can be waived) 3 visits Not published
UnionPay Gold Debit Card PKR 1,500 PKR 4,000 3 visits Not published
Mastercard Gold Debit Card PKR 1,500 PKR 5,000 (can be waived) 4 visits Not published
Mastercard Platinum Debit Card PKR 1,500 PKR 12,000 8 visits Not published

Branches

Verified branch locations, addresses, and opening hours. Tap Directions to open in Google Maps.

Karachi · 49 branches

Abdul Samad Hospital Liaquatabad Karachi Branch
Plot No. J-B-1-S 2/A, Liaquatabad Number 4 S.M. Toufiq Rd, Liaquatabad, Karachi.
Mon
08:00–20:00
Tue
08:00–20:00
Wed
08:00–20:00
Thu
08:00–20:00
Fri
08:00–20:00
Sat
08:00–20:00
Al Zehra Diagnostic Centre Gulshan Karachi Branch
B 41, Block 1 Gulshan-e-Iqbal, Al Zehra Diagnostic Centre, Karachi - Pakistan
Mon
09:00–21:00
Tue
09:00–21:00
Wed
09:00–21:00
Thu
09:00–21:00
Fri
09:00–21:00
Sat
09:00–21:00
Anti Narcotics Hospital Karachi Branch
Anti Narcotics Hospital Collection Unit, Karachi Shaheed ANF Hospital Mirpur Road, Lyari, Karachi - Pakistan
Azam Town Karachi Branch
Azam Town General Hospital Collection Unit, Building # 1, Street #1, 100 Foot Road, Azam Town, Karachi - Pakistan
Mon
08:00–21:00
Tue
08:00–21:00
Wed
08:00–21:00
Thu
08:00–21:00
Fri
08:00–21:00
Sat
08:00–21:00
Sun
08:00–14:00
Bhains Colony Karachi Branch
Razia Medical Complex, Commercial Area Bhains Colony, Cattle Colony, Landhi, Bin Qasim Town, Karachi - Pakistan
Bilawal Chowrangi Karachi Branch
Bilawal Chowrangi Collection Unit, Main Bilalwal Chowrangi, Clifton Block 2, Karachi
Mon
08:00–21:00
Tue
08:00–21:00
Wed
08:00–21:00
Thu
08:00–21:00
Fri
08:00–21:00
Sat
08:00–21:00
Bin Qasim Town Karachi Branch
Pakistan Steel Hospital, Bin Qasim Town, Karachi
Mon
09:00–15:00
Tue
09:00–15:00
Wed
09:00–15:00
Thu
09:00–15:00
Fri
09:00–15:00
Sat
09:00–15:00
Clifton Block 4 Karachi Branch
Cooper Consultants Clinics, F 61/9, behind Arizona Grill, Kehkashan, Block 4, Clifton, Karachi
Mon
08:00–20:00
Tue
08:00–20:00
Wed
08:00–20:00
Thu
08:00–20:00
Fri
08:00–20:00
Sat
08:00–20:00
Clifton Karachi Branch
Hilal-e-Ahmer House, Main Clifton Road, Block 7, 3 Swords, Clifton, Karachi - Pakistan
Mon
08:00–22:00
Tue
08:00–22:00
Wed
08:00–22:00
Thu
08:00–22:00
Fri
08:00–22:00
Sat
08:00–22:00
Sun
08:00–14:00
DHA Clinics Karachi Branch
DHA Clinics Collection Unit, DHA, Karachi
Mon
08:00–22:00
Tue
08:00–22:00
Wed
08:00–22:00
Thu
08:00–22:00
Fri
08:00–22:00
Sat
08:00–22:00
Sun
08:00–14:00
DHA Phase 2 Karachi Branch
Defence Market, Phase 2, opp. Sunny Medico, DHA, Karachi - Pakistan
Mon
10:00–18:00
Tue
10:00–18:00
Wed
10:00–18:00
Thu
10:00–18:00
Fri
10:00–18:00
Sat
10:00–18:00
Sun
10:00–18:00
Fatima Jinnah Colony Karachi Branch
Dossani Clinic - Shagufta Arcade, Fatima Jinnah Colony, Jamshed Rd No.3, Karachi - Pakistan
Mon
09:00–20:00
Tue
09:00–20:00
Wed
09:00–20:00
Thu
09:00–20:00
Fri
09:00–20:00
Sat
09:00–20:00
Sun
09:00–20:00
Gazdarabad Karachi Branch
ANA DIAGNOSTIC CENTRE - Aan Residence, Al Shifa Street, Aja Mowji St, Near Nihal Medical Store, Gazdarabad, Karachi - Pakistan
Mon
11:00–21:00
Tue
11:00–21:00
Wed
11:00–21:00
Thu
11:00–21:00
Fri
11:00–21:00
Sat
11:00–21:00
Gulistan-e-Johar Karachi Branch
SSWAB Trust Kidney Care & Dialysis Centre, C-161, near Kababjees Bakers, Block 14, Gulistan-e-Johar, Karachi - Pakistan
Mon
09:00–16:00
Tue
09:00–16:00
Wed
09:00–16:00
Thu
09:00–16:00
Fri
09:00–16:00
Sat
09:00–16:00
Gulshan-e-Hadeed Karachi Branch
B-71 8-C/II, Main Rd, opposite Iftikhar Memorial Hospital Phase 2, Gulshan-e-Hadeed, Karachi.
Mon
08:00–22:00
Tue
08:00–22:00
Wed
08:00–22:00
Thu
08:00–22:00
Fri
08:00–22:00
Sat
08:00–22:00
Sun
09:00–17:00
Gulshan-e-Iqbal Karachi Branch
Shop No. 2,3,4,5, SB-10 Block 13–C, University Road, Adjacent Ashfaq Memorial Hospital, Gulshan-e-Iqbal, Karachi,
Gulshan-e-Kaneez Fatima Karachi Branch
KHAN ULTRASOUND CLINIC, A-7, adj. Shaz Bungalows, Gulshan-e-Kaneez Fatima Block 3 Scheme 33, Karachi , Pakistan
Mon
06:00–23:00
Tue
06:00–23:00
Wed
06:00–23:00
Thu
06:00–23:00
Fri
06:00–23:00
Sat
06:00–23:00
Hijrat Colony Karachi Branch
Hijrat Colony, Sector D-2, Stree No. 3, Near Quba Masjid, Karachi - Pakistan
Mon
11:00–18:00
Tue
11:00–18:00
Wed
11:00–18:00
Thu
11:00–18:00
Fri
11:00–18:00
Sat
11:00–18:00
Sun
11:00–18:00
I.I Chundrigar Karachi Branch
Cadiac Care & Medical Center, 2nd Floor, State Life Building No. 2/A, (Behind Standard Chartered Bank), Wallace Road off I.I. Chundrigar Road, Karachi
Mon
08:00–21:00
Tue
08:00–21:00
Wed
08:00–21:00
Thu
08:00–21:00
Fri
08:00–21:00
Sat
08:00–21:00
Iqbal Hoti Rd Karachi Branch
Salawat Charitable Clinic, Ranchorline, MM Salawat Jamat Charitable Dispensary Ground Floor, RC-4, 372 Iqbal Hoti Road, Marwaari Lines, Karachi - Pakistan
Mon
08:00–23:00
Tue
08:00–23:00
Wed
08:00–23:00
Thu
08:00–23:00
Fri
08:00–23:00
Sat
08:00–23:00
Jamal Goth Landhi Karachi Branch
AlphaMed Hospital, Murtaza Chowrangi, Main Korangi Road, opp. Attock Pump, Jamal Goth Landhi, Mansehra Colony, Sector 21, Korangi, Karachi - Pakistan
Mon
10:30–20:00
Tue
10:30–20:00
Wed
10:30–20:00
Thu
10:30–20:00
Fri
10:30–20:00
Sat
10:30–20:00
Kala Board Malir Karachi Branch
Plot A-38/423, opp. Zong Office, near Kala Board, Stop Darakhshan, Cooperative Housing Society Malir Cantonment, Karachi - Pakistan
Mon
09:00–22:00
Tue
09:00–22:00
Wed
09:00–22:00
Thu
09:00–22:00
Fri
09:00–22:00
Sat
09:00–22:00
Khabayban-e-Sehar Karachi Branch
Ali Chemist , Khabayban-e-Sehar Main Shabaz Commercial, DHA Phase-6 Karachi - Pakistan
Mon
11:00–18:00
Tue
11:00–18:00
Wed
11:00–18:00
Thu
11:00–18:00
Fri
11:00–18:00
Sat
11:00–18:00
Korangi Karachi Branch
Korangi Creek General Hospital Collection Unit, Korangi Creek, Ibrahim Hydery Road, Near Nasir Jump, Karachi - Pakistan
Mon
08:30–14:30
Tue
08:30–14:30
Wed
08:30–14:30
Thu
08:30–14:30
Fri
08:30–14:30
Sat
08:30–14:30
Liaqutabad Karachi Branch
Abdus Samad Hospital, Liaqutabad No.4, SM Toufeeq Road, Shahrah-e-Ibne Sina, Karachi - Pakistan
M.A Jinnah Rd Karachi Branch
Advance Radiology Clinic, ARC Building, Behind Taj (Hamdard) Medical Complex, MA Jinnah Road, Karachi - Pakistan
Mon
08:00–22:00
Tue
08:00–22:00
Wed
08:00–22:00
Thu
08:00–22:00
Fri
08:00–22:00
Sat
08:00–22:00
Malir Cantonment Karachi Branch
BENAZIR SHAHEED ANF HOSPITAL Jafar-e-Tayyar, near Baloch Union Football Club, Malir Cantonment, Karachi, Pakistan
Mon
08:00–13:00
Tue
08:00–13:00
Wed
08:00–13:00
Thu
08:00–13:00
Fri
08:00–13:00
Malir Karachi Branch
Malir Collection Unit, Plot 351/3/B MPL # G-VIII, D-99, Deh-Thana, Jappo, Karachi
Mon
08:00–20:00
Tue
08:00–20:00
Wed
08:00–20:00
Thu
08:00–20:00
Fri
08:00–20:00
Sat
08:00–20:00
Sun
08:00–12:00
Manzoor Colony Karachi Branch
Plot No. 20 Gujjar Chowk Ch. Rehmat Ali Road, Sector H, Manzoor Colony, Karachi - Pakistan
Mon
09:00–20:00
Tue
09:00–20:00
Wed
09:00–20:00
Thu
09:00–20:00
Fri
09:00–20:00
Sat
09:00–20:00
Mauripur Rd Karachi Branch
BENAZIR SHAHEED ANTI NARCOTIC FORCE HOSPITAL - Street 18/C Mauripur Road, Agra Taj Colony Lyari, Karachi - Pakistan
Mon
09:00–16:00
Tue
09:00–16:00
Wed
09:00–16:00
Thu
09:00–16:00
Fri
09:00–16:00
Sat
09:00–16:00
Sun
09:00–16:00
Nazimabad Rd Karachi Branch
Office B-1, Karachi Psychiatric Hospital Head, 14-B, Nazimabad Road Number 3, Block 3, Karachi - Pakistan
Mon
09:00–21:00
Tue
09:00–21:00
Wed
09:00–21:00
Thu
09:00–21:00
Fri
09:00–21:00
Sat
09:00–21:00
Neurology Center P.E.C.H.S Karachi Branch
44-R, Razi Road, Block 6 P.E.C.H.S., Karachi.
Mon
16:00–21:00
Tue
16:00–21:00
Wed
16:00–21:00
Thu
16:00–21:00
Fri
16:00–21:00
North Karachi Karachi Branch
Al-Rayaz Hospital Trust, ST-24 Masjid-e-Tayyaba Street, Sector 11 B, North Karachi Twp, Karachi - Pakistan
Mon
09:00–21:00
Tue
09:00–21:00
Wed
09:00–21:00
Thu
09:00–21:00
Sat
09:00–21:00
Sun
09:00–21:00
North Nazimabad Karachi Branch
JF Plaza D-1, Five Star Chorangi, Block D, North Nazimabad, Karachi - Pakistan
Mon
09:00–23:00
Tue
09:00–23:00
Wed
09:00–23:00
Thu
09:00–23:00
Fri
09:00–23:00
Sat
09:00–23:00
Sun
09:00–23:00
North Nazimabad Town Karachi Branch
Khawajgaan welfare clinic - F 90, Block F, North Nazimabad Town, Karachi - Pakistan
Mon
10:00–20:00
Tue
10:00–20:00
Wed
10:00–20:00
Thu
10:00–20:00
Fri
10:00–20:00
Sat
10:00–20:00
Orangi Town Karachi Branch
Khursheed Clinic And Maternity Home - Bangla Bazaar, Sector 15 B, Orangi Town, Karachi - Pakistan
Mon
10:00–18:00
Tue
10:00–18:00
Wed
10:00–18:00
Thu
10:00–18:00
Fri
10:00–18:00
Sat
10:00–18:00
P.E.C.H.S Block 6 Karachi Branch
Muniza Clinic, 63-2D, Block 6, PECHS, Karachi - Pakistan
Mon
08:00–22:00
Tue
08:00–22:00
Wed
08:00–22:00
Thu
08:00–22:00
Fri
08:00–22:00
Sat
08:00–22:00
P.E.C.H.S Karachi Branch
16-B, Al Riaz Society, Shaheed-e-Millat Road, P.E.C.H.S., Karachi,
Mon
08:00–22:00
Tue
08:00–22:00
Wed
08:00–22:00
Thu
08:00–22:00
Fri
08:00–22:00
Sat
08:00–22:00
Rehman Medical and Dental General Hospital Karachi Branch
Rehman Medical and Dental General Hospital, Pioneer Fountain Phase 1, Banglow No.6, Gulshan-e-Iqbal, Block 4/A, Sectror 33, Karachi
Mon
18:00–23:59
Tue
18:00–23:59
Wed
18:00–23:59
Thu
18:00–23:59
Fri
18:00–23:59
Sat
18:00–23:59
Sun
12:00–16:00
Samdani Hospital Gulshan-e-Iqbal Karachi Branch
Samdani Hospital Collection Unit, A-560, Block-5, Gulshan-e-Iqbal, Karachi - Pakistan
Mon
08:00–23:59
Tue
08:00–23:59
Wed
08:00–23:59
Thu
08:00–23:59
Fri
08:00–23:59
Sat
08:00–23:59
Sun
08:00–23:59
Shah Faisal Colony Karachi Branch
Bilal Medical Centre - Plot 61/1, Near Airport Stargate, Shahra-e-Faisal, Shah Faisal Colony, Malir, Karachi - Pakistan
Mon
08:00–21:00
Tue
08:00–21:00
Wed
08:00–21:00
Thu
08:00–21:00
Fri
08:00–21:00
Sat
08:00–21:00
Shahr-e-Qaideen Karachi Branch
Shahr-e-Qaideen, Near Nursery Stop, Karachi - Pakistan
Mon
10:00–18:00
Tue
10:00–18:00
Wed
10:00–18:00
Thu
10:00–18:00
Fri
10:00–18:00
Sat
10:00–18:00
Sun
10:00–18:00
Shahrah-e-Quaideen Karachi Branch
Al-Maimoona Clinic, 187 D/2, Shahrah-e-Quaideen, Near Nursery Flyover, Block 2, PECHS, Karachi - Pakistan
Mon
08:00–20:00
Tue
08:00–20:00
Wed
08:00–20:00
Thu
08:00–20:00
Fri
08:00–20:00
Sat
08:00–20:00
Sun
08:00–20:00
Sharfabad Karachi Branch
Prime Specialist Family Clinics, Main Commercial lane, Opp United King Bakery, Sharfabad, Karachi
Steel Hospital Karachi Branch
Pakistan Steel Hospital, National Highway Bin Qasim Town, Karachi.
Mon
09:00–15:00
Tue
09:00–15:00
Wed
09:00–15:00
Thu
09:00–15:00
Fri
09:00–15:00
Sat
09:00–15:00
Taj Consultant Clinic Karachi Branch
Taj Consultant Clinic, C-15/1, Block 3, Gulshan Chowrangi, Rashid Minhas Road, Gulshan-e-Iqbal, Karachi
Mon
10:00–22:00
Tue
10:00–22:00
Wed
10:00–22:00
Thu
10:00–22:00
Fri
10:00–22:00
Sat
10:00–22:00
Tariq Rd Karachi Branch
Main Laboratory: Z-74, Delhi Mercantile Cooperative Society, Tariq Road, PECHS, Karachi
Mon
08:00–21:00
Tue
08:00–21:00
Wed
08:00–21:00
Thu
08:00–21:00
Fri
08:00–21:00
Sat
08:00–21:00
Sun
08:00–14:00
Time Square Karachi Branch
Shop # 15, Time Square Building, Plot # Fl11/3, KDA Scheme # 24, Gulshan-e-Iqbal, Block-6, Karachi
Mon
08:00–21:00
Tue
08:00–21:00
Wed
08:00–21:00
Thu
08:00–21:00
Fri
08:00–21:00
Sat
08:00–21:00
United Hospital Karachi Branch
United Hospital Collection Unit, Shaheed-e-Millat Road, Near Hill Park, Karachi
Mon
16:00–21:00
Tue
16:00–21:00
Thu
16:00–21:00
Fri
16:00–21:00

All 3 banks that cover Sindlab

Every bank with a card that works at Sindlab. Jump to a bank page to see all its cards, or use Compare to open the tool with that bank pre-selected.

Similar places that take more cards

Sindlab has deals from 3 banks. These Labs places in Karachi have deals from more.

Frequently asked about Sindlab discounts

Which bank cards work at Sindlab?
18 cards from 3 banks offer discounts at Sindlab in Karachi. The deepest discount comes from Al Baraka Bank. Use the table above to compare every active offer.
What is the best discount at Sindlab?
The deepest discount available at Sindlab on KonsaCard right now is 30%. A big headline percentage is not always the most you will save, because many cards cap the discount. Enter your usual bill in the comparison tool to see the estimated saving for each card.
Do Sindlab discounts work every day?
Offers at Sindlab vary by day. Some cards run on weekdays only and others apply all week. The Days column on each row shows when the offer is active.
How do I get a Sindlab discount?
Pay with one of the listed cards on a qualifying day. Some offers apply automatically and others ask you to show the card or mention the offer, so check with Sindlab when you book or pay. Confirm current terms with your bank first, as discounts can change.