Card Rankings

191 cards ranked by discount quality and coverage.

How are cards ranked?▾

We rank cards by answering one question: "If I carry this card, how much will it actually save me?"

More places is better

A card that works at 100 restaurants, grocery stores, and pharmacies beats one that only works at 3 places, even if those 3 places have great discounts.

The real discount, not the headline

A "30% off" deal with a maximum discount cap of PKR 300 on a PKR 5,000 minimum spend is really only 6% off. We adjust every deal for its cap and minimum spend before comparing cards.

Expiring deals count less

A deal that expires next week is less valuable than one that runs all year. Deals expiring soon are weighted down accordingly.

We only show verified deals

Deals we have not been able to verify recently are ranked a little lower until we can confirm they are still live.

A few things we filter out

• Perks with no discount value (lounge access, free delivery, etc.) — these aren't comparable.

• Cards that only work at 4 or fewer places — too limited to rank fairly.

• If a chain appears in multiple cities, we count it as one place at its best discount.

191 cards

DiningGroceryTravelShoppingHealthEntertainmentOther

	Card	Bank	Places ↕	Savings idxi↕	Avg disc ↕	Max disc ↕	Categories ↕	Score ↓
🥇	Mastercard World Credit Card	Bank of Punjab	223	9.0	40.5%	75%	7/7	93.2
🥈	Askari World Credit Card	Askari Bank	502	9.5	28.9%	50%	6/7	92.1
🥉	Askari Corporate Credit Card	Askari Bank	246	8.9	35.2%	50%	6/7	91.3
#4	Askari Platinum Credit Card	Askari Bank	506	9.3	23.6%	50%	6/7	90.8
#5	Visa Infinite Debit Card	Allied Bank	359	9.2	31.6%	75%	7/7	90.7
#6	Askari Visa Platinum Debit Card	Askari Bank	498	9.2	23.5%	50%	6/7	90.7
#7	Visa Premium Debit Card	Allied Bank	353	9.1	28.5%	75%	7/7	90.6
#8	Askari Visa Signature Debit Card	Askari Bank	493	9.4	29%	50%	6/7	90.6
#9	Private Banking Visa Signature Credit Card	JS Bank	196	8.8	37.3%	70%	6/7	89.4
#10	Mastercard Taqwa World Islamic Debit Card	Bank of Punjab	163	8.4	31.6%	50%	7/7	87.9
#11	Askari Gold Credit Card	Askari Bank	473	9.0	18.8%	50%	6/7	87.2
#12	Mastercard World Debit Card	Bank of Punjab	145	8.2	30.6%	50%	7/7	86.9
#13	Visa Platinum Credit Card	MCB Bank	214	8.6	27.9%	50%	6/7	86.6
#14	Visa Signature Debit Card	Bank Al Habib	428	9.2	25.3%	55%	7/7	86.5
#15	Bank Alfalah Premier Visa Infinite Debit Card	Bank Alfalah	210	8.8	33.7%	50%	7/7	86.5
#16	Mastercard Platinum Credit Card	Bank of Punjab	211	8.5	27.4%	75%	7/7	86.5
#17	Askari Visa Gold Debit Card	Askari Bank	426	8.9	19%	50%	6/7	86.5
#18	Bank Alfalah Islamic Premier Visa Infinite Debit Card	Bank Alfalah	209	8.8	33.7%	50%	7/7	86.4
#19	Bank Alfalah Premier Visa Infinite Credit Card	Bank Alfalah	209	8.8	33.6%	50%	7/7	86.4
#20	Visa Signature Debit Card	MCB Bank	205	8.6	31.2%	60%	6/7	86.3
#21	Mastercard Platinum Debit Card	Al Baraka Bank	274	8.7	25.8%	75%	7/7	86.2
#22	Mastercard Gold Credit Card	Bank Al Habib	396	8.9	21.2%	55%	7/7	86.0
#23	Visa Platinum Credit Card	JS Bank	193	8.5	29.7%	70%	6/7	85.8
#24	Visa Infinite Debit Card	Meezan Bank	233	8.7	31.1%	60%	6/7	85.7
#25	Mastercard World Debit Card	JS Bank	189	8.6	31%	70%	6/7	85.6
#26	Visa Platinum Debit Card	Bank Al Habib	360	8.8	21%	55%	7/7	85.3
#27	HBL Islamic World Elite DebitCard	HBL Islamic	362	8.9	23.1%	70%	6/7	85.3
#28	Mastercard World Debit Card	Meezan Bank	241	8.6	26.6%	50%	6/7	85.2
#29	HBL Islamic World DebitCard	HBL Islamic	344	8.8	20.8%	70%	6/7	84.9
#30	UBL Visa Infinite Debit Card	UBL	173	8.5	32.9%	50%	6/7	84.9
#31	HBL Platinum CreditCard	HBL	335	8.8	21.4%	50%	6/7	84.8
#32	HBL World Elite DebitCard	HBL	334	8.8	23%	50%	6/7	84.7
#33	Visa Platinum Credit Card	Allied Bank	333	8.8	21.4%	75%	7/7	84.7
#34	HBL Islamic World Business DebitCard	HBL Islamic	327	8.7	20.9%	70%	6/7	84.6
#35	Bank Alfalah Islamic Premier Visa Signature Debit Card	Bank Alfalah	219	8.6	27.2%	100%	7/7	84.5
#36	Bank Alfalah Premier Visa Signature Debit Card	Bank Alfalah	218	8.6	27.3%	100%	7/7	84.5
#37	Mastercard Signature Debit Card	UBL	165	8.5	32.8%	50%	6/7	84.5
#38	HBL World DebitCard	HBL	315	8.7	20.7%	50%	6/7	84.3
#39	Bank Alfalah Premier Visa Platinum Credit Card	Bank Alfalah	209	8.5	27.3%	100%	7/7	84.1
#40	HBL World Business DebitCard	HBL	297	8.6	20.9%	50%	6/7	83.9
#41	Mastercard Taqwa KHAAS Platinum Islamic Debit Card	Bank of Punjab	153	8.1	25.3%	50%	7/7	83.9
#42	Visa Platinum Debit Card	MCB Bank	148	8.2	28.8%	50%	6/7	83.6
#43	Visa Platinum Debit Card	Allied Bank	281	8.6	20.8%	75%	7/7	83.5
#44	UBL Visa Platinum Credit Card	UBL	162	8.3	27.9%	50%	6/7	82.1
#45	KHAAS Platinum Mastercard Debit Card	Bank of Punjab	152	8.0	25.1%	50%	7/7	81.6
#46	Visa Platinum Debit Card	MCB Islamic	148	8.2	29%	50%	7/7	81.4
#47	Platinum Mastercard Debit Card	Meezan Bank	204	8.3	22.3%	50%	6/7	81.1
#48	Platinum Visa Debit Card	Meezan Bank	202	8.3	22.3%	50%	6/7	81.0
#49	Faysal Islami Priority World Debit Card	Faysal Bank	199	8.1	31.1%	60%	6/7	80.9
#50	Faysal Islami Priority Platinum Debit Card	Faysal Bank	189	8.1	25.8%	50%	6/7	80.5
#51	Nexgen Habib University PayPak Debit Card	Al Baraka Bank	187	8.2	21.7%	75%	7/7	80.4
#52	Nexgen IVS PayPak Debit Card	Al Baraka Bank	187	8.2	21.7%	75%	7/7	80.4
#53	Nexgen Riphah University PayPak Debit Card	Al Baraka Bank	187	8.2	21.7%	75%	7/7	80.4
#54	Nexgen Student PayPak Debit Card	Al Baraka Bank	187	8.2	21.7%	75%	7/7	80.4
#55	Visa Platinum Debit Card	Habib Metro Bank	99	7.9	30.8%	50%	6/7	80.2
#56	Mastercard Gold Debit Card	Al Baraka Bank	183	8.2	22%	75%	7/7	80.2
#57	Mastercard Silver Debit Card	Al Baraka Bank	182	8.1	21.8%	75%	7/7	80.2
#58	Amal Mastercard Platinum Debit Card	Faysal Bank	182	8.1	25.7%	50%	6/7	80.2
#59	UnionPay Gold Debit Card	Al Baraka Bank	179	8.1	22%	75%	7/7	80.1
#60	UnionPay Silver Debit Card	Al Baraka Bank	178	8.1	21.8%	75%	7/7	80.0
#61	UnionPay Platinum Debit Card	MCB Islamic	177	8.3	25.9%	50%	7/7	80.0
#62	Askari Sahar Visa Debit Card	Askari Bank	301	8.5	19.3%	50%	6/7	80.0
#63	Visa Gold Debit Card	Bank Al Habib	296	8.4	17.6%	55%	7/7	79.9
#64	Visa Platinum Business Debit Card	MCB Islamic	173	8.4	28.1%	50%	7/7	79.8
#65	Nayab Visa Debit Card	MCB Bank	173	8.1	21.8%	50%	6/7	79.8
#66	Faysal Islami Noor World Card	Faysal Bank	169	8.1	28.7%	60%	6/7	79.6
#67	Bank Alfalah Visa Platinum Credit Card	Bank Alfalah	168	8.2	23.4%	100%	6/7	79.6
#68	Bank Alfalah Visa Signature Debit Card	Bank Alfalah	169	8.2	23.2%	100%	6/7	79.6
#69	HBL Islamic Gold DebitCard	HBL Islamic	283	8.3	16.2%	60%	6/7	79.6
#70	Visa Silver Debit Card	Bank Al Habib	278	8.4	17.4%	55%	7/7	79.5
#71	PayPak Debit Card	Al Baraka Bank	167	8.1	21.9%	75%	7/7	79.5
#72	Bank Alfalah Visa Islamic Signature Debit Card	Bank Alfalah	167	8.1	22.9%	100%	6/7	79.5
#73	Bank Alfalah Islamic Power Pack Signature Debit Card	Bank Alfalah	166	8.1	22.9%	100%	6/7	79.5
#74	HBL Islamic Titanium DebitCard	HBL Islamic	278	8.3	16.2%	60%	6/7	79.5
#75	Visa Niswan Debit Card	MCB Islamic	163	8.0	20.2%	50%	7/7	79.4
#76	Faysal Islami Noor Platinum Card	Faysal Bank	164	8.1	26.4%	50%	6/7	79.4
#77	Visa Student Debit Card	Meezan Bank	163	8.0	20.9%	50%	6/7	79.4
#78	Visa FCY Debit Card	MCB Islamic	161	8.0	20%	50%	7/7	79.3
#79	BAHL UnionPay Debit Card	Bank Al Habib	269	8.3	17.4%	55%	7/7	79.2
#80	Bank Alfalah Islamic Women Power Pack Visa Debit Card	Bank Alfalah	158	8.1	23%	100%	6/7	79.1
#81	AL Habib Digital Visa Gold Debit Card	Bank Al Habib	256	8.3	17.4%	55%	7/7	78.9
#82	HBL Gold DebitCard	HBL	254	8.2	15.8%	30%	6/7	78.8
#83	HBL Gold CreditCard	HBL	248	8.2	15.9%	30%	6/7	78.7
#84	HBL Titanium DebitCard	HBL	249	8.2	15.8%	30%	6/7	78.7
#85	Visa Gold Credit Card	MCB Bank	148	8.0	21.9%	50%	6/7	78.6
#86	AL Habib Remit Visa Silver Debit Card	Bank Al Habib	238	8.2	17.2%	55%	7/7	78.4
#87	AL Habib Woman Visa Silver Debit Card	Bank Al Habib	238	8.2	17.2%	55%	7/7	78.4
#88	AL Habib Digital Visa Silver Debit Card	Bank Al Habib	237	8.2	17.2%	55%	7/7	78.3
#89	HBL Islamic Classic Business DebitCard	HBL Islamic	237	8.1	15.1%	50%	6/7	78.3
#90	PayPak Debit Card	Bank Al Habib	231	8.2	17.2%	55%	7/7	78.2
#91	BAHL UnionPay Apna Debit Card	Bank Al Habib	234	8.2	17.2%	55%	7/7	78.2
#92	Visa Gold Debit Card	MCB Islamic	140	7.8	20.7%	50%	7/7	78.2
#93	HBL Islamic Classic DebitCard	HBL Islamic	234	8.0	14.8%	50%	6/7	78.2
#94	Mastercard Green Credit Card	Bank Al Habib	229	8.2	17.2%	55%	7/7	78.1
#95	Mastercard Taqwa Platinum Islamic Debit Card	Bank of Punjab	137	7.8	21.2%	50%	7/7	78.0
#96	Visa Charge Card	Meezan Bank	135	7.9	22.2%	50%	6/7	77.9
#97	Visa Gold Debit Card	MCB Bank	135	7.9	22.1%	50%	6/7	77.9
#98	Mastercard Platinum Debit Card	Bank of Punjab	132	7.7	20.5%	50%	7/7	77.7
#99	Visa Gold Debit Card	Habib Metro Bank	94	7.7	25.4%	40%	6/7	77.6
#100	Visa Ladies Debit Card	Habib Metro Bank	94	7.6	24.8%	40%	6/7	77.6
#101	HBL Green CreditCard	HBL	213	7.9	14.6%	40%	6/7	77.6
#102	HBL DebitCard	HBL	207	7.9	14.5%	30%	6/7	77.4
#103	HBL Classic Business DebitCard	HBL	208	7.9	14.8%	30%	6/7	77.4
#104	Gold UPI & PayPak Debit Card	Allied Bank	209	8.2	19.2%	75%	7/7	77.4
#105	Cash+Shop Classic Visa Debit Card	Allied Bank	209	8.2	19.3%	75%	7/7	77.4
#106	Classic UPI & PayPak Debit Card	Allied Bank	208	8.2	19.1%	75%	7/7	77.4
#107	Classic Plus UPI & PayPak Debit Card	Allied Bank	208	8.2	19.1%	75%	7/7	77.4
#108	HBL Nisa DebitCard	HBL	206	7.9	14.5%	30%	6/7	77.3
#109	Visa Gold Credit Card	Allied Bank	205	8.2	19.6%	75%	7/7	77.3
#110	UPI & Paypak myWallet Debit Card	Allied Bank	122	7.8	23.4%	75%	7/7	77.1
#111	UnionPay PayPak Basic Debit Card	Allied Bank	122	7.8	23.4%	75%	7/7	77.1
#112	UnionPay PayPak Prepaid Card	Allied Bank	122	7.8	23.4%	75%	7/7	77.1
#113	Askari Classic Credit Card	Askari Bank	472	8.7	15.3%	50%	6/7	77.1
#114	Cash+Shop Sapphire 200 Visa Debit Card	Allied Bank	121	7.8	23.5%	75%	7/7	77.0
#115	Cash+Shop Sapphire Visa Debit Card	Allied Bank	121	7.8	23.5%	75%	7/7	77.0
#116	Youth VISA DebitCard	Allied Bank	121	7.8	23.5%	75%	7/7	77.0
#117	Islamic Banking VISA DebitCard	Allied Bank	121	7.8	23.5%	75%	7/7	77.0
#118	Askari Visa Classic Debit Card	Askari Bank	425	8.7	15.6%	50%	6/7	76.5
#119	Visa Classic Debit Card	Habib Metro Bank	78	7.4	24.7%	40%	5/7	76.1
#120	Mastercard Gold Credit Card	Bank of Punjab	106	7.5	20.5%	50%	7/7	76.0
#121	Visa Gold Credit Card	JS Bank	105	7.6	22.5%	70%	6/7	75.9
#122	UnionPay Qadar Gold Debit Card	MCB Islamic	169	8.0	19.4%	50%	7/7	75.9
#123	Titanium Mastercard Debit Card	Meezan Bank	170	8.0	19.8%	50%	6/7	75.9
#124	Gold Visa Debit Card	Meezan Bank	167	7.9	19%	50%	6/7	75.8
#125	Visa Women First Debit Card	Meezan Bank	167	7.9	19.9%	50%	6/7	75.8
#126	UnionPay Qadar Classic Debit Card	MCB Islamic	165	7.9	19%	50%	7/7	75.7
#127	Classic Mastercard Debit Card	Meezan Bank	165	7.9	19.1%	50%	6/7	75.7
#128	Visa Junior Club Debit Card	MCB Islamic	162	7.9	18.7%	50%	7/7	75.6
#129	Visa Classic Debit Card	MCB Islamic	160	7.9	18.8%	50%	7/7	75.5
#130	Classic Visa Debit Card	Meezan Bank	161	7.8	19%	50%	6/7	75.5
#131	PayPak Classic Debit Card	MCB Islamic	158	7.9	18.8%	50%	7/7	75.4
#132	HBL Konnect Debit Card	HBL	129	7.4	15%	40%	6/7	73.9
#133	Mastercard Platinum Debit Card	JS Bank	80	7.4	23.4%	70%	6/7	73.7
#134	Mastercard Her Titanium Debit Card	JS Bank	79	7.4	23.8%	70%	6/7	73.6
#135	Amal Mastercard Gold Debit Card	Faysal Bank	125	7.5	19.6%	50%	6/7	73.6
#136	Faysal Islami Noor Gold Card	Faysal Bank	123	7.5	20.5%	50%	6/7	73.5
#137	Faysal Islami Noor Titanium Card	Faysal Bank	122	7.5	20.8%	50%	6/7	73.5
#138	Mastercard Titanium Debit Card	JS Bank	77	7.4	23.8%	70%	6/7	73.3
#139	Faysal Islami Mastercard Gold Debit Card	Faysal Bank	120	7.5	20.5%	50%	6/7	73.3
#140	Bank Alfalah Mastercard Optimus Credit Card	Bank Alfalah	76	7.3	20.9%	100%	6/7	73.2
#141	Visa Classic Credit Card	JS Bank	94	7.4	20.4%	70%	6/7	72.8
#142	Bank Alfalah American Express Gold Credit Card	Bank Alfalah	72	7.4	24.4%	100%	6/7	72.8
#143	Visa Classic Credit Card	MCB Bank	71	7.2	21.3%	50%	5/7	72.7
#144	Khanum Classic Plus UPI & PayPak Debit Card	Allied Bank	106	7.5	19.4%	60%	5/7	72.4
#145	Askari PayPak Classic Debit Card	Askari Bank	106	7.5	21.6%	50%	6/7	72.4
#146	Askari PayPak Gold Debit Card	Askari Bank	106	7.5	21.6%	50%	6/7	72.4
#147	Askari PayPak Little Champs Debit Card	Askari Bank	106	7.5	21.6%	50%	6/7	72.4
#148	Visa Silver Debit Card	MCB Bank	67	7.1	21.3%	50%	5/7	72.2
#149	Faysal Islami Mastercard Classic Debit Card	Faysal Bank	101	7.4	20.3%	50%	6/7	72.0
#150	Faysal Islami Noor Velocity Card	Faysal Bank	96	7.4	20.7%	50%	6/7	71.6
#151	Mastercard Gold Debit Card	JS Bank	62	7.1	23.6%	70%	6/7	71.5
#152	Faysal Islami Noor Flexi Card	Faysal Bank	95	7.4	20.8%	50%	6/7	71.5
#153	Kids Club Visa Debit Card - Boys	Meezan Bank	64	7.0	20.5%	50%	6/7	68.4
#154	Kids Club Visa Debit Card - Girls	Meezan Bank	62	7.0	20.8%	50%	6/7	68.2
#155	Lahore Qalandar's Mastercard Debit Card	Bank of Punjab	59	6.8	21.3%	50%	7/7	67.8
#156	Lahore Qalandars Gold Credit Card	Bank of Punjab	59	6.9	21.4%	50%	7/7	67.8
#157	Bank Alfalah Islamic Women Visa Gold Debit Card	Bank Alfalah	40	6.6	20%	50%	6/7	67.7
#158	Bank Alfalah Visa Gold Debit Card	Bank Alfalah	40	6.6	20%	50%	6/7	67.7
#159	Bank Alfalah Visa Islamic Gold Debit Card	Bank Alfalah	40	6.6	20%	50%	6/7	67.7
#160	Mastercard Women Naaz Debit Card	Bank of Punjab	58	6.8	21.4%	50%	7/7	67.6
#161	Bank Alfalah PayPak Classic Debit Card	Bank Alfalah	39	6.5	20%	50%	6/7	67.5
#162	Bank Alfalah PayPak Islamic Classic Debit Card	Bank Alfalah	39	6.5	20%	50%	6/7	67.5
#163	Bank Alfalah Pehchaan Visa Debit Card	Bank Alfalah	39	6.5	20%	50%	6/7	67.5
#164	Bank Alfalah Ultra Visa Credit Card	Bank Alfalah	39	6.5	20%	50%	6/7	67.5
#165	Bank Alfalah Visa Classic Credit Card	Bank Alfalah	39	6.5	20%	50%	6/7	67.5
#166	Bank Alfalah Visa Classic Debit Card	Bank Alfalah	39	6.5	20%	50%	6/7	67.5
#167	Bank Alfalah Visa Gold Credit Card	Bank Alfalah	39	6.6	20.4%	50%	6/7	67.5
#168	Bank Alfalah Visa Islamic Classic Debit Card	Bank Alfalah	39	6.5	20%	50%	6/7	67.5
#169	Bank Alfalah Visa Platinum Debit Card	Bank Alfalah	38	6.6	21.2%	50%	6/7	67.3
#170	Mastercard Silver Debit Card	Bank of Punjab	55	6.7	20.6%	50%	7/7	67.2
#171	Mastercard Gold Debit Card	Bank of Punjab	53	6.6	19.4%	50%	7/7	66.9
#172	Bank Alfalah Mastercard Titanium Credit Card	Bank Alfalah	36	6.4	19.6%	50%	6/7	66.8
#173	Bank Alfalah Visa Corporate Credit Card	Bank Alfalah	36	6.4	19.6%	50%	6/7	66.8
#174	UBL Visa Premium Plus Debit Card	UBL	47	6.7	19.3%	50%	5/7	65.9
#175	UBL Visa Gold Credit Card	UBL	46	6.7	19.5%	50%	4/7	65.7
#176	Visa Fun Club Debit Card	MCB Bank	31	6.3	19.5%	30%	4/7	65.4
#177	PayPak Gold Debit Card	MCB Bank	27	6.2	20.4%	50%	4/7	64.1
#178	PayPak Classic Debit Card	MCB Bank	23	6.0	19.6%	30%	4/7	62.6
#179	UBL Visa Classic Credit Card	UBL	21	6.1	23.6%	50%	4/7	61.8
#180	UBL Mastercard Premium Debit Card	UBL	20	6.0	23%	50%	4/7	61.3
#181	UBL VISA Premium Debit Card	UBL	20	6.0	23%	50%	4/7	61.3
#182	UBL Urooj Visa Debit Card	UBL	20	6.0	23%	50%	4/7	61.3
#183	UBL Ameen Premium Debit Mastercard	UBL	20	6.0	23%	50%	4/7	61.3
#184	UBL Mastercard WIZ Virtual Prepaid Card	UBL	20	6.0	23%	50%	4/7	61.3
#185	UBL Visa Freelancer Debit Card	UBL	20	6.0	23%	50%	4/7	61.3
#186	Visa FCY Business Debit Card	UBL	20	6.0	23%	50%	4/7	61.3
#187	UBL Ameen VISA Premium Debit Card	UBL	17	5.9	24.4%	50%	4/7	59.7
#188	UBL Ameen PayPak Debit Card	UBL	17	5.9	24.4%	50%	4/7	59.7
#189	UBL Pay Pak Debit Card	UBL	17	5.9	24.4%	50%	4/7	59.7
#190	UBL Union Pay Debit Card	UBL	17	5.9	24.4%	50%	4/7	59.7
#191	PayPak Debit Card	Meezan Bank	10	5.7	35%	50%	3/7	59.2

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