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Cashback Credit Cards: Save on Every Purchase
Compare top cashback cards for everyday savings
Quick Picks
Best for everyday spending: Bank Alfalah Ultra Cashback Card.
Best for high credit limits: JS Bank Platinum Credit Card.
Best for dining and travel: HBL Platinum Credit Card.
High Value Cashback Cards
In a market where every dollar counts, finding the right cashback card can make a significant difference in your savings. Whether you're looking to save on fuel, dining, or travel, these cards offer compelling options.
Bank Alfalah Ultra Cashback Card
With a low annual fee of PKR 4,000, Bank Alfalah Ultra Cashback Card is perfect for those prioritizing petrol savings, offering up to 7% cashback. The 1.5% rate on all other purchases makes it a solid choice for everyday spending. Its 24-36% APR is the lowest in Pakistan, making it attractive for cost-conscious consumers.
JS Bank Platinum Credit Card
If you're after higher credit limits, JS Bank Platinum Credit Card offers up to PKR 3M. It reduces its annual fee from PKR 15,000 to PKR 3,100 with early spending, making it a flexible option. However, its 48-49.9% APR is on the high side and lacks a dedicated cashback program, relying instead on merchant partnerships.
While high credit limits can be enticing, those focused on travel and dining perks should consider the following options.
Travel and Dining Cashback Options
Cards that reward frequent travelers and diners offer significant savings, especially when combined with lounge access and international transaction benefits.
HBL Platinum Credit Card
HBL Platinum Credit Card stands out with a 2% cashback on dining and travel, plus 3x reward points on international transactions. Despite a high annual fee of PKR 22,000, its benefits are appealing to premium spenders who can meet the PKR 500,000 waiver threshold. The 42% APR, while lower than some competitors, is still a consideration.
If maximizing savings on everyday expenses is your goal, these cards offer valuable rewards without the need for extravagant spending.
For those interested in diving deeper into specific card benefits, check out our related article: Smart Picks for Cashback Rewards Cards in 2026 — perfect for uncovering the best cashback strategies this year.