Karachi
- Askari Visa Signature Debit Card
- HBL Islamic World Elite DebitCard
- HBL World Elite DebitCard
- Faysal Islami Priority World Debit Card
- Allied Bank Visa Infinite Debit Card
At a glance
KonsaCard ranks 95 cards with no or low annual fee that have restaurant offers in Pakistan. Every card here has an annual fee of PKR 3,000 or less, and many are free. Cards whose bank does not publish a fee are left out. The top low-fee card overall is Askari Visa Signature Debit Card (Askari Bank Limited), about PKR 3,206 saved per outing at 408 restaurants, no annual fee, for customers with a relationship balance of PKR 5,000,000. The best low-fee card without a high salary or balance requirement is National Bank of Pakistan PayPak Pink (National Bank of Pakistan), about PKR 1,030 saved per outing at 640 restaurants, no annual fee (#32 overall). By city, the leaders are Askari Visa Signature Debit Card in Karachi, Allied Bank Visa Infinite Debit Card in Lahore, Askari Visa Signature Debit Card in Islamabad, Askari Visa Signature Debit Card in Rawalpindi, Allied Bank Visa Infinite Debit Card in Faisalabad and Allied Bank Visa Infinite Debit Card in Multan.
Top 20 cards with no or low annual fee
Ranked across all cities by estimated saving per outing on a PKR 10,000 bill, adjusted for coverage and annual fee. Rank numbers are out of all 237 cards.
| Card | Bank | Est. saving per outing | Restaurants covered | Avg discount | Annual fee | Who can get it |
|---|---|---|---|---|---|---|
| #1Askari Visa Signature Debit Card |  Askari Bank Limited |
PKR 3,206 | 408 of 1,747 | 33% | Free | Relationship balance PKR 5,000,000 |
| #3HBL Islamic World Elite DebitCard |  HBL Islamic Bank Limited |
PKR 2,657 | 372 of 1,747 | 27% | Free | Relationship balance PKR 5,000,000 |
| #4HBL World Elite DebitCard |  Habib Bank Limited |
PKR 2,659 | 370 of 1,747 | 27% | Free | Relationship balance PKR 5,000,000 |
| #5Allied Bank Visa Infinite Debit Card |  Allied Bank |
PKR 3,409 | 332 of 1,747 | 35% | Free | Balance PKR 5,000,000 |
| #13Bank Alfalah Islamic Premier Visa Infinite Debit Card |  Bank Alfalah |
PKR 3,264 | 238 of 1,747 | 35% | Free | Relationship balance PKR 150,000,000 |
| #14Bank Alfalah Premier Visa Infinite Credit Card | Bank Alfalah |
PKR 3,264 | 238 of 1,747 | 35% | Free | Relationship balance PKR 25,000,000 |
| #15Bank Alfalah Premier Visa Infinite Debit Card | Bank Alfalah |
PKR 3,249 | 236 of 1,747 | 35% | Free | Relationship balance PKR 150,000,000 |
| #23Faysal Islami Priority World Debit Card |  Faysal Bank Limited |
PKR 3,587 | 215 of 1,747 | 37% | Free | Salary PKR 1,000,000/month |
| #32National Bank of Pakistan PayPak Pink |  National Bank of Pakistan |
PKR 1,030 | 640 of 1,747 | 21% | Free | No minimum |
| #34National Bank of Pakistan PayPak Classic | National Bank of Pakistan |
PKR 1,030 | 640 of 1,747 | 21% | PKR 2,000 | No minimum |
| #35National Bank of Pakistan UPI Classic | National Bank of Pakistan |
PKR 1,030 | 640 of 1,747 | 21% | PKR 2,500 | No minimum |
| #42Faysal Islami Priority Platinum Debit Card | Faysal Bank Limited |
PKR 2,643 | 211 of 1,747 | 27% | Free | Salary PKR 500,000/month |
| #43Bank Alfalah Premier Visa Signature Debit Card | Bank Alfalah |
PKR 2,301 | 241 of 1,747 | 26% | Free | Relationship balance PKR 3,000,000 |
| #44Bank Alfalah Islamic Premier Visa Signature Debit Card | Bank Alfalah |
PKR 2,290 | 241 of 1,747 | 26% | Free | Relationship balance PKR 3,000,000 |
| #45Askari Visa Classic Debit Card | Askari Bank Limited |
PKR 1,254 | 342 of 1,747 | 13% | PKR 3,000 | No minimum |
| #47Bank Alfalah Premier Visa Platinum Credit Card | Bank Alfalah |
PKR 2,278 | 224 of 1,747 | 26% | Free | Relationship balance PKR 3,000,000 |
| #55HBL Titanium DebitCard | Habib Bank Limited |
PKR 1,568 | 264 of 1,747 | 17% | PKR 3,000 | Average balance PKR 40,000 |
| #56HBL Islamic Titanium DebitCard | HBL Islamic Bank Limited |
PKR 1,574 | 259 of 1,747 | 17% | PKR 3,000 | Not published |
| #63Askari Sahar Visa Debit Card | Askari Bank Limited |
PKR 1,712 | 194 of 1,747 | 18% | PKR 3,000 | No minimum |
| #65Meezan Bank Platinum Mastercard Debit Card |  Meezan Bank |
PKR 1,942 | 167 of 1,747 | 21% | Free | Relationship balance PKR 3,000,000 |
Best cards with no or low annual fee by city
Lahore
- Allied Bank Visa Infinite Debit Card
- Askari Visa Signature Debit Card
- HBL Islamic World Elite DebitCard
- HBL World Elite DebitCard
- Bank Alfalah Islamic Premier Visa Infinite Debit Card
Islamabad
- Askari Visa Signature Debit Card
- HBL Islamic World Elite DebitCard
- HBL World Elite DebitCard
- Bank Alfalah Islamic Premier Visa Infinite Debit Card
- Bank Alfalah Premier Visa Infinite Credit Card
Rawalpindi
- Askari Visa Signature Debit Card
- HBL Islamic World Elite DebitCard
- HBL World Elite DebitCard
- Faysal Islami Priority World Debit Card
- Faysal Islami Priority Platinum Debit Card
Faisalabad
- Allied Bank Visa Infinite Debit Card
- HBL Islamic World Elite DebitCard
- HBL World Elite DebitCard
- Askari Visa Signature Debit Card
- HBL Islamic Titanium DebitCard
Multan
- Allied Bank Visa Infinite Debit Card
- Askari Visa Signature Debit Card
- HBL Islamic World Elite DebitCard
- HBL World Elite DebitCard
- HBL Islamic Titanium DebitCard
Frequently asked about cards with no or low annual fee
What is the best low-fee card for restaurant discounts in Pakistan?
On KonsaCard's ranking for a PKR 10,000 bill, the top cards with no or low annual fee are Askari Visa Signature Debit Card (Askari Bank Limited), about PKR 3,206 saved per outing at 408 restaurants, no annual fee, for customers with a relationship balance of PKR 5,000,000; HBL Islamic World Elite DebitCard (HBL Islamic Bank Limited), about PKR 2,657 saved per outing at 372 restaurants, no annual fee, for customers with a relationship balance of PKR 5,000,000; and HBL World Elite DebitCard (Habib Bank Limited), about PKR 2,659 saved per outing at 370 restaurants, no annual fee, for customers with a relationship balance of PKR 5,000,000.
What is the best low-fee card for restaurants in Karachi?
In Karachi the leading cards with no or low annual fee are Askari Visa Signature Debit Card (Askari Bank Limited), about PKR 3,106 saved per outing at 111 restaurants, for customers with a relationship balance of PKR 5,000,000; HBL Islamic World Elite DebitCard (HBL Islamic Bank Limited), about PKR 2,578 saved per outing at 110 restaurants, for customers with a relationship balance of PKR 5,000,000; and HBL World Elite DebitCard (Habib Bank Limited), about PKR 2,578 saved per outing at 110 restaurants, for customers with a relationship balance of PKR 5,000,000.
What is the best low-fee card for restaurants in Lahore?
In Lahore the leading cards with no or low annual fee are Allied Bank Visa Infinite Debit Card (Allied Bank), about PKR 3,383 saved per outing at 150 restaurants, for customers with a balance of PKR 5,000,000; Askari Visa Signature Debit Card (Askari Bank Limited), about PKR 3,330 saved per outing at 122 restaurants, for customers with a relationship balance of PKR 5,000,000; and HBL Islamic World Elite DebitCard (HBL Islamic Bank Limited), about PKR 3,106 saved per outing at 110 restaurants, for customers with a relationship balance of PKR 5,000,000.
What is the best low-fee card for restaurants in Islamabad?
In Islamabad the leading cards with no or low annual fee are Askari Visa Signature Debit Card (Askari Bank Limited), about PKR 3,210 saved per outing at 100 restaurants, for customers with a relationship balance of PKR 5,000,000; HBL Islamic World Elite DebitCard (HBL Islamic Bank Limited), about PKR 2,599 saved per outing at 77 restaurants, for customers with a relationship balance of PKR 5,000,000; and HBL World Elite DebitCard (Habib Bank Limited), about PKR 2,599 saved per outing at 77 restaurants, for customers with a relationship balance of PKR 5,000,000.
What is the best low-fee card for restaurants in Rawalpindi?
In Rawalpindi the leading cards with no or low annual fee are Askari Visa Signature Debit Card (Askari Bank Limited), about PKR 3,569 saved per outing at 30 restaurants, for customers with a relationship balance of PKR 5,000,000; HBL Islamic World Elite DebitCard (HBL Islamic Bank Limited), about PKR 2,551 saved per outing at 22 restaurants, for customers with a relationship balance of PKR 5,000,000; and HBL World Elite DebitCard (Habib Bank Limited), about PKR 2,576 saved per outing at 21 restaurants, for customers with a relationship balance of PKR 5,000,000.
What is the best low-fee card for restaurants in Faisalabad?
In Faisalabad the leading cards with no or low annual fee are Allied Bank Visa Infinite Debit Card (Allied Bank), about PKR 3,385 saved per outing at 26 restaurants, for customers with a balance of PKR 5,000,000; HBL Islamic World Elite DebitCard (HBL Islamic Bank Limited), about PKR 2,038 saved per outing at 30 restaurants, for customers with a relationship balance of PKR 5,000,000; and HBL World Elite DebitCard (Habib Bank Limited), about PKR 2,036 saved per outing at 30 restaurants, for customers with a relationship balance of PKR 5,000,000.
What is the best low-fee card for restaurants in Multan?
In Multan the leading cards with no or low annual fee are Allied Bank Visa Infinite Debit Card (Allied Bank), about PKR 3,364 saved per outing at 22 restaurants, for customers with a balance of PKR 5,000,000; Askari Visa Signature Debit Card (Askari Bank Limited), about PKR 3,084 saved per outing at 22 restaurants, for customers with a relationship balance of PKR 5,000,000; and HBL Islamic World Elite DebitCard (HBL Islamic Bank Limited), about PKR 1,984 saved per outing at 23 restaurants, for customers with a relationship balance of PKR 5,000,000.
How does KonsaCard rank these cards?
Each card's offers are scored on a typical PKR 10,000 bill: the discount after its cap, the days it applies and how many restaurants it covers, minus a penalty for a high annual fee. No bank pays for placement. The methodology page has the full formula.
How current is this ranking?
It is rebuilt daily from bank offer pages and partner feeds; last checked November 10, 2026.