Frequently Asked Questions

As of May 2026, the Askari World Credit Card from Askari Bank is the top-ranked card for discount coverage, with deals at 501 places and an average effective discount of 29%. The Askari Visa Signature Debit Card from Askari Bank is a close second. See the full rankings for all 228 cards.

Askari World Credit Card (Askari Bank) covers the most ground, with verified deals at 501 distinct places across Pakistan. Coverage is counted by unique outlet; chain restaurants in multiple cities count as one place.

For dining specifically, Askari World Credit Card from Askari Bank ranks highest, with dining deals at 501 places and a 29% average discount. Use the deals filter to browse all dining deals by bank or city.

Mastercard World Credit Card from Bank of Punjab leads for grocery deals, with offers at 223 grocery outlets. Filter by the Grocery category on the deals page to see all grocery discounts by bank.

Yes. Takhfif tracks deals from both credit and debit cards across 21 Pakistani banks, including Islamic cards. Many banks offer identical discounts on both card types. Use the card finder to filter by card type (credit, debit, or prepaid).

Yes. Islamic bank card deals from HBL Islamic, Meezan Bank, Al Baraka Bank, MCB Islamic, Dubai Islamic Bank, Bank Islami are all tracked on Takhfif. These cards follow Shariah-compliant structures but offer the same types of merchant discounts. You can filter by any of these banks on the deals page.

Takhfif re-checks bank websites daily. Each deal records a last-seen date: deals confirmed within 24 hours are fresh, deals confirmed within 7 days are recent, and older ones are marked stale and ranked lower until re-verified. Expiry dates come directly from bank sources. Always confirm at the point of sale.

Cards are scored on two axes: breadth (how many unique places accept the card) and depth (the real effective discount after accounting for caps and minimum spend). A '30% off' deal capped at PKR 300 on a PKR 5,000 minimum is scored at roughly 6%, not 30%. Cards with expiring deals are ranked lower. Only cards covering 5 or more distinct places are included.

On the deals page, use the city filter to narrow to Karachi, Lahore, Islamabad, or any of the other cities. You can combine this with a bank or category filter to see, for example, HBL dining deals in Lahore only.

The complement finder answers: 'I already have Card A: which second card unlocks the most places I'm currently missing?' Pick any card you own, and it calculates which other card provides the highest additional coverage with the least overlap.

Use the complement finder to calculate the best two-card combination for your situation. The optimal pair shifts depending on your city and spending category. The complement page also shows the globally best-performing pair across all active deals.

On each place page, every bank's deal card shows the discount percentage, the minimum spend (if any), and the discount cap (if any). Cards with restrictive caps are ranked lower in the overall rankings because their real-world savings are lower than the headline percentage suggests.