At a glance
UBL cards have restaurant offers at 220 restaurants and Bank AL Habib cards at 263, so Bank AL Habib covers more overall. 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). Bank AL Habib's best card is AL Habib Signature Debit Card, #10 of 237 cards nationally (about PKR 2,778 saved per outing). At the 129 restaurants where both banks have an offer, UBL gives the bigger discount at 45 and Bank AL Habib at 26.
Side by side
| UBL | Bank AL Habib | |
|---|---|---|
| Restaurants with an offer | 220 | 263 |
| In Karachi | 89 | 155 |
| In Lahore | 95 | 68 |
| In Islamabad | 42 | 42 |
| In Rawalpindi | 16 | 13 |
| In Faisalabad | 23 | 15 |
| In Multan | 17 | 24 |
| Cards with dining offers | 17 | 14 |
| Highest discount | 55% | 50% |
| Best-ranked card | United Bank Limited (UBL) Mastercard Signature Debit Card | AL Habib Signature Debit Card |
| Lowest-fee card | UBL Mastercard WIZ Virtual Prepaid Card | AL Habib PayPak Debit Card |
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 |
Top Bank AL Habib cards
| Card | Bank | Est. saving per outing | Restaurants covered | Avg discount | Annual fee | Who can get it |
|---|---|---|---|---|---|---|
| #10AL Habib Signature Debit Card |  Bank AL Habib |
PKR 2,778 | 317 of 1,747 | 30% | PKR 23,000 | Salary PKR 750,000/month |
| #33AL Habib Platinum Credit Card | Bank AL Habib |
PKR 2,267 | 285 of 1,747 | 24% | PKR 20,000 | Salary PKR 20,000/month |
| #41AL Habib Platinum Debit Card | Bank AL Habib |
PKR 2,268 | 267 of 1,747 | 24% | PKR 10,000 | Salary PKR 150,000/month |
| #62AL Habib Gold Credit Card | Bank AL Habib |
PKR 2,040 | 179 of 1,747 | 21% | PKR 8,000 | Salary PKR 20,000/month |
| #64AL Habib Gold Debit Card | Bank AL Habib |
PKR 1,964 | 175 of 1,747 | 21% | PKR 4,500 | Not published |
Restaurants where both banks give a discount
129 restaurants have offers from both banks. The biggest 25 are below; each figure is that bank's best offer there.
| Restaurant | City | UBL | Bank AL Habib |
|---|---|---|---|
| Cafe Aylanto | Karachi | 40% (cap PKR 10,000) | 50% (cap PKR 7,000) |
| Cafe Aylanto | Lahore | 40% (cap PKR 10,000) | 50% (cap PKR 7,000) |
| Clock Tower - The Food Bazaar | Karachi | 40% (cap PKR 5,000) | 50% (cap PKR 5,000) |
| Esquires Coffee Pakistan | Karachi | 30% (cap PKR 5,000) | 50% (cap PKR 5,000) |
| Ghalib Restaurant | Karachi | 30% (cap PKR 5,000) | 50% (cap PKR 5,000) |
| Golden Bowl | Faisalabad | 10% (cap PKR 1,000) | 50% (cap PKR 5,000) |
| Kababjees | Karachi | 30% (cap PKR 5,000) | 50% (cap PKR 5,000) |
| Kababjees | Lahore | 30% (cap PKR 5,000) | 50% (cap PKR 5,000) |
| Kababjees | Multan | 30% (cap PKR 5,000) | 50% (cap PKR 5,000) |
| The Monal | Lahore | 30% (cap PKR 5,000) | 50% (cap PKR 5,000) |
| The Monal | Rawalpindi | 30% (cap PKR 5,000) | 50% (cap PKR 5,000) |
| Aangan Restaurant & Banquet Hall | Lahore | 30% (cap PKR 5,000) | 40% (cap PKR 4,000) |
| Aangan Restaurant & Banquet Hall | Multan | 30% (cap PKR 5,000) | 40% (cap PKR 4,000) |
| Bistro Rozana - Marriott Karachi | Karachi | 40% (cap PKR 10,000) | 40% (cap PKR 4,000) |
| Bukhara | Lahore | 40% (cap PKR 10,000) | 40% (cap PKR 4,000) |
| Bukhara | Rawalpindi | 40% (cap PKR 10,000) | 40% (cap PKR 4,000) |
| Cafe Bareeze | Lahore | 40% (cap PKR 10,000) | 25% (cap PKR 5,000) |
| Cafe Flo | Karachi | 40% (cap PKR 7,500) | 40% (cap PKR 7,000) |
| Cafe Latte | Lahore | 40% (cap PKR 10,000) | 40% (cap PKR 4,000) |
| Cafeela | Karachi | 30% (cap PKR 5,000) | 40% (cap PKR 4,000) |
| Chandni | Karachi | 40% (cap PKR 10,000) | 40% (cap PKR 4,000) |
| Chatterbox Cafe | Karachi | 30% (cap PKR 5,000) | 40% (cap PKR 4,000) |
| China Town | Multan | 30% (cap PKR 5,000) | 40% (cap PKR 4,000) |
| Colette By Xander's | Karachi | 40% (cap PKR 7,500) | 30% (cap PKR 3,000) |
| Crying Tiger | Karachi | 40% (cap PKR 8,000) | 30% (cap PKR 5,000) |
UBL vs Bank AL Habib: frequently asked
Is UBL or Bank AL Habib better for restaurant discounts?
Bank AL Habib has offers at more restaurants (263 vs 220). 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). Bank AL Habib's best card is AL Habib Signature Debit Card, #10 of 237 cards nationally (about PKR 2,778 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, UBL or Bank AL Habib?
Restaurants with an offer by city: Karachi: UBL 89, Bank AL Habib 155 (Bank AL Habib ahead); Lahore: UBL 95, Bank AL Habib 68 (UBL ahead); Islamabad: UBL 42, Bank AL Habib 42 (tied); Rawalpindi: UBL 16, Bank AL Habib 13 (UBL ahead); Faisalabad: UBL 23, Bank AL Habib 15 (UBL ahead); Multan: UBL 17, Bank AL Habib 24 (Bank AL Habib ahead).
Where do both UBL and Bank AL Habib give restaurant discounts?
129 restaurants have offers from both. UBL's discount is bigger at 45 of them and Bank AL Habib's at 26; the rest are equal. The largest shared offers are at Cafe Aylanto (Karachi), Cafe Aylanto (Lahore), Clock Tower - The Food Bazaar (Karachi) and Esquires Coffee Pakistan (Karachi).
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.
What is the cheapest Bank AL Habib card with restaurant discounts?
AL Habib PayPak Debit Card has the lowest published annual fee among Bank AL Habib cards with dining offers, PKR 2,750 a year. It ranks #90 of 237 cards nationally on restaurant savings.