Best credit card in Pakistan 2025 (Cashback, discounts and online use)
Today, I will provide you with the ultimate guide to the best credit cards in Pakistan for 2025. By the end of this guide, you will have a thorough understanding of the top credit cards available in Pakistan, empowering you to choose the right card even if you have no prior knowledge about credit cards.
So first, what are the features one should look for when getting a new credit card? Mostly you should focus on cashback and discounts, but you also want to make sure those cashback and discounts are usable for you. For most of us, we want to have cashback on fuels and groceries. And for Discounts, we will mostly consider discounts on food and travel. Because if you get cashback on fuel and groceries, you can save a lot in terms of your monthly budget. And if you receive discounts on travel and food you will be all set for your outdoor activities. These factors should be in your mind while deciding to get a credit card because these will help you manage your budget instead of increasing debt on you.
So now we know what to look for while getting a credit card, but there is one more problem. There are so many credit cards available in the Pakistani market, all promising cashback and discounts. Which one should you choose? Feeling confused, don’t worry, I’ve got you covered. I have compiled a list of the top 10 credit cards available in Pakistan based on the factors discussed above, so you don’t have to worry about anything. Let me show you.
Top 10 credit card in Pakistan 2025.
| Rank | Bank and card name | Annual fee (PKR) | Cashback / Discounts | Note |
|---|---|---|---|---|
| 1 | Standerd Chartered Cashback Card | 3000 to 5000 PKR | Up to 10% cashback on Fuel, groceries, Utility bills, dining | One of these Highest cashback cards in Pakistan, Flexible fee waivers |
| 2 | MCB Visa Platinum Card | 5,000 PKR | 5% cashback on Fuel, groceries, and dining. Plus reward points | Cashback plus rewards points = Double benefit |
| 4 | Bank Alfalah Ultra Cashback Card | 5,000 PKR | Up to 7% cashback on partner stores, groceries, and Travel Plus Orbit Points | Strong mobile app & Orbit rewards redeemable for discounts |
| 5 | UBL Gold / Platinum Card | 3,000 to 6,000 PKR | 1-3% cashback on Categories and Frequent Buy 1 Get 1 on restaurants | Great for Dining & Food delivery |
| 6 | Faysal Bank World Credit Card | 6,000 to 14,000 PKR | Up to 30-50% discount at restaurants, clothing, salons Plus reward points | Best for discount hunters (Zero cashback) |
| 7 | Allied Bank Visa Platinum Card | 4,000 to 7,500 PKR | 5% cashback on utilities, Groceries and Fuel. | Good for savings plus lowest markup |
| 8 | HBL Platinum Credit Card | 10,000 PKR | Decent cashback and huge discounts on brands, travel, and foods | Expensive, but wide partner network. |
| 9 | SC Saadiq Islamic Cashback Card | 5,000 PKR | Cashback on halal marchants ( Fuel, Groceries) Shariah-compliant | Same cashback as SC conventional, but islamic |
| 10 | Meezan Bank Classic / Gold Credit card | 4,000 to 7.500 PKR | No cashback, but partner discounts ( restaurants and stores) | Great for Islamic user, No riba involved |
| 11 | Silk Bank Gold Credit Card | 2,500 to 4,000 PK | Basic discounts on Fuel and grocery. Some cashback options | Budget-Friendly option for small spenders |
So one might ask why they are ranked the way they are. So, first of all, we make the discounts and cash back on credit cards the main focus here. Our ranking is based on cashback and discounts, which’s way the Standard Chartered credit card is ranked first because it provides the most cashback.
Why choosing right credit card is important.
Choosing the right credit card is a very important step in your credit card journey because it will decide whether your credit card is going to help you with your financial issues or the card itself is going to be your next big financial issue. That’s why we based our ranking on the most helpful factors, like cashback and discounts, because these things will help you fight inflation and have some financial stability. So for most, cashback should be the number one factor when looking for a credit card, and after that, discounts should be your next priority. Why cashback first and discounts second? You may ask. Most cards give cashback on groceries, food, and clothes, which can massively help you reduce your monthly expenses. On the other hand, discounts are mostly provided on restaurants. They can also help you reduce your expenses, but not as much as groceries and fuel can.
Standerd Chartered Cashback Card review
The Standard Chartered cashback credit card is ranked first in our ranking, and it is due to a number of factors that make this card the best credit card in Pakistan right now. First of all, the Standard Chartered cashback card has an annual fee of 3000 to 5000 PKR, which is one of the lowest annual fees out there. Also, they have an easy waiver policy as well. Secondly and most importantly, this credit card provides 10% cashback on fuel, groceries, and dining, which is the highest cashback on any card in Pakistan.
MCB Visa Platinum Card
MCB Visa Platinum Card is ranked second in our ranking, and it is also a low annual fee credit card, just like Standard Chartered. The annual fee of the MCB Visa Platinum Card is only 5000 PKR with an easy waiver policy as well. This card provides 5% cashback on fuel groceries and fuel but it also provides reward points which later can be used for online orders.It is the second highest cashback card in Pakistan and that’s exactly why it is second in our ranking
