At a glance
HBL cards have restaurant offers at 274 restaurants and UBL cards at 220, so HBL covers more overall. HBL's best card is HBL World Elite DebitCard, #4 of 237 cards nationally (about PKR 2,659 saved per outing). UBL's best card is United Bank Limited (UBL) Mastercard Signature Debit Card, #12 of 237 cards nationally (about PKR 2,930 saved per outing). At the 144 restaurants where both banks have an offer, HBL gives the bigger discount at 48 and UBL at 29.
Side by side
| HBL | UBL | |
|---|---|---|
| Restaurants with an offer | 274 | 220 |
| In Karachi | 110 | 89 |
| In Lahore | 109 | 95 |
| In Islamabad | 77 | 42 |
| In Rawalpindi | 22 | 16 |
| In Faisalabad | 30 | 23 |
| In Multan | 23 | 17 |
| Cards with dining offers | 17 | 17 |
| Highest discount | 40% | 55% |
| Best-ranked card | HBL World Elite DebitCard | United Bank Limited (UBL) Mastercard Signature Debit Card |
| Lowest-fee card | HBL World Elite DebitCard | UBL Mastercard WIZ Virtual Prepaid Card |
Top HBL cards
| Card | Bank | Est. saving per outing | Restaurants covered | Avg discount | Annual fee | Who can get it |
|---|---|---|---|---|---|---|
| #4HBL World Elite DebitCard |  Habib Bank Limited |
PKR 2,659 | 370 of 1,747 | 27% | Free | Relationship balance PKR 5,000,000 |
| #6HBL Visa Infinite CreditCard | Habib Bank Limited |
PKR 2,964 | 345 of 1,747 | 30% | PKR 22,000 | Salary PKR 400,000/month |
| #11HBL Platinum CreditCard | Habib Bank Limited |
PKR 2,258 | 367 of 1,747 | 23% | PKR 22,000 | Salary PKR 400,000/month |
| #19HBL World DebitCard | Habib Bank Limited |
PKR 2,155 | 339 of 1,747 | 22% | PKR 20,000 | Relationship balance PKR 2,000,000 |
| #20HBL World Business DebitCard | Habib Bank Limited |
PKR 2,160 | 340 of 1,747 | 22% | PKR 22,000 | Not published |
Top UBL cards
| Card | Bank | Est. saving per outing | Restaurants covered | Avg discount | Annual fee | Who can get it |
|---|---|---|---|---|---|---|
| #12United Bank Limited (UBL) Mastercard Signature Debit Card |  United Bank Limited (UBL) |
PKR 2,930 | 281 of 1,747 | 30% | PKR 25,000 | Average balance PKR 3,000,000 |
| #16UBL Visa Infinite Debit Card | United Bank Limited (UBL) |
PKR 2,933 | 282 of 1,747 | 30% | PKR 45,000 | Average balance PKR 3,000,000 |
| #31UBL Visa Platinum Credit Card | United Bank Limited (UBL) |
PKR 2,523 | 265 of 1,747 | 26% | PKR 22,000 | Not published |
| #107UBL Visa Premium Plus Debit Card | United Bank Limited (UBL) |
PKR 1,807 | 119 of 1,747 | 18% | PKR 2,900 | No minimum |
| #117UBL Visa Gold Credit Card | United Bank Limited (UBL) |
PKR 1,763 | 118 of 1,747 | 18% | PKR 12,000 | Not published |
Restaurants where both banks give a discount
144 restaurants have offers from both banks. The biggest 25 are below; each figure is that bank's best offer there.
| Restaurant | City | HBL | UBL |
|---|---|---|---|
| Angeethi | Karachi | 40% (cap PKR 10,000) | 40% (cap PKR 5,000) |
| Bagh - The Family Restaurant | Lahore | 40% (cap PKR 20,000) | 30% (cap PKR 5,000) |
| Bar.B.Q Tonight | Karachi | 40% (cap PKR 10,000) | 30% (cap PKR 5,000) |
| Bar.B.Q Tonight | Lahore | 40% (cap PKR 10,000) | 30% (cap PKR 5,000) |
| Bistro Rozana - Marriott Karachi | Karachi | 40% (cap PKR 30,000) | 40% (cap PKR 10,000) |
| Bohat Aala Restaurant | Lahore | 40% (cap PKR 20,000) | 30% (cap PKR 5,000) |
| Bukhara | Lahore | 40% (cap PKR 15,000) | 40% (cap PKR 10,000) |
| Bukhara | Rawalpindi | 40% (cap PKR 15,000) | 40% (cap PKR 10,000) |
| Bundu Khan Restaurant | Islamabad | 40% (cap PKR 10,000) | 30% (cap PKR 5,000) |
| Bundu Khan Restaurant | Lahore | 40% (cap PKR 10,000) | 30% (cap PKR 5,000) |
| Bundu Khan Restaurant | Multan | 40% (cap PKR 10,000) | 30% (cap PKR 5,000) |
| Cafe Aylanto | Karachi | 40% (cap PKR 15,000) | 40% (cap PKR 10,000) |
| Cafe Aylanto | Lahore | 40% (cap PKR 15,000) | 40% (cap PKR 10,000) |
| Cafe Flo | Karachi | 40% (cap PKR 30,000) | 40% (cap PKR 7,500) |
| Cafe Latte | Lahore | 40% (cap PKR 15,000) | 40% (cap PKR 10,000) |
| Cafe Zouk | Lahore | 40% (cap PKR 15,000) | 30% (cap PKR 5,000) |
| Chandni | Karachi | 40% (cap PKR 15,000) | 40% (cap PKR 10,000) |
| Cocochan | Karachi | 40% (cap PKR 10,000) | 30% (cap PKR 5,000) |
| Colette By Xander's | Karachi | 40% (cap PKR 30,000) | 40% (cap PKR 7,500) |
| Cosa Nostra | Lahore | 40% (cap PKR 10,000) | 40% (cap PKR 10,000) |
| Don Corrado | Karachi | 30% (cap PKR 5,000) | 40% (cap PKR 20,000) |
| Dumpukht | Lahore | 40% (cap PKR 15,000) | 40% (cap PKR 10,000) |
| Eggspectation Restaurant Cafe | Islamabad | 40% (cap PKR 25,000) | 30% (cap PKR 5,000) |
| Eggspectation Restaurant Cafe | Karachi | 40% (cap PKR 25,000) | 30% (cap PKR 5,000) |
| Eggspectation Restaurant Cafe | Lahore | 40% (cap PKR 25,000) | 30% (cap PKR 5,000) |
HBL vs UBL: frequently asked
Is HBL or UBL better for restaurant discounts?
HBL has offers at more restaurants (274 vs 220). HBL's best card is HBL World Elite DebitCard, #4 of 237 cards nationally (about PKR 2,659 saved per outing). UBL's best card is United Bank Limited (UBL) Mastercard Signature Debit Card, #12 of 237 cards nationally (about PKR 2,930 saved per outing). The better bank for you depends on which restaurants you visit and your bill size, which the KonsaCard tool can rank for you.
Which has more restaurant discounts in Karachi, Lahore, Islamabad, Rawalpindi, Faisalabad and Multan, HBL or UBL?
Restaurants with an offer by city: Karachi: HBL 110, UBL 89 (HBL ahead); Lahore: HBL 109, UBL 95 (HBL ahead); Islamabad: HBL 77, UBL 42 (HBL ahead); Rawalpindi: HBL 22, UBL 16 (HBL ahead); Faisalabad: HBL 30, UBL 23 (HBL ahead); Multan: HBL 23, UBL 17 (HBL ahead).
Where do both HBL and UBL give restaurant discounts?
144 restaurants have offers from both. HBL's discount is bigger at 48 of them and UBL's at 29; the rest are equal. The largest shared offers are at Angeethi (Karachi), Bagh - The Family Restaurant (Lahore), Bar.B.Q Tonight (Karachi) and Bar.B.Q Tonight (Lahore).
What is the cheapest HBL card with restaurant discounts?
HBL World Elite DebitCard has no annual fee. It ranks #4 of 237 cards nationally on restaurant savings.
What is the cheapest UBL card with restaurant discounts?
UBL Mastercard WIZ Virtual Prepaid Card has no annual fee. It ranks #141 of 237 cards nationally on restaurant savings.