Best Credit Card in Pakistan with no Annual Fee
Best Credit Card in Pakistan with no Annual Fee
Credit card has become a basic need of a human being. In the era of such inflation, after a person’s salary ends, an employee survives by asking for loans and borrowing from here and there. Embarrassment is separate and transactional anxiety is separate. In such a case, according to a survey, credit card facility is very important for a person. Sometimes a person is so forced that he does not have a single penny to spend, even if he does, sometimes there is such a problem that the person is surrounded by difficulties from all sides and in such a case, the credit card facility is a mental one. Brings peace. In this article, we are selecting and providing details of credit cards that have no annual fee. There are quite a few banks that have no annual fees. And some banks charge an annual fee, but on using a fixed amount, they reverse all the fees, so these banks also join the list of no annual fees. In this table, we discuss the top 10 banks in Pakistan about their credit card annual fees, which will give us an idea of which bank is not charging an annual fee.
Annual Fee Credit Card
| Annual fee of Habib Bank Limied (HBL) Credit Card | |||||
| Habib Bank Limited (HBL) | Green | Gold | Platinum | FuelSaver | – |
| 3,000 | 6,000 | 5,000 | 6,000 | – | |
| Annual fee of United Bank Limied (UBL) Credit Card | |||||
| United Bank Limited (UBL) | Silver | Gold | Platinum | – | – |
| 4,000 | 8,000 | 16,000 | – | – | |
| Annual fee of MCB Bank Limited Credit Card | |||||
| MCB Bank Limited | Classic | Gold | Platinum | Taitanum | – |
| 0 | 0 | 0 | 5,000 | – | |
| Annual fee of Allied Bank Limited (ABL) Credit Card | |||||
| Allied Bank Limited (ABL) | – | Gold | Platinum | – | – |
| – | 2,000 | 7,500 | – | – | |
| Annual fee of Standard Chartered Bank (Pakistan) Credit Card | |||||
| Standard Chartered Bank (Pakistan) | Easy | – | Platinum-I | Platinum-II | – |
| 3,000 | – | 8,000 | 15,000 | – | |
| Annual fee of Faysal Bank Limited Credit Card | |||||
| Faysal Bank Limited | Velocity | Gold | Platinum | Titanium | World |
| 4,000 | 6,750 | 10,000 | 7,750 | 18,000 | |
| Annual fee of Bank Alfalah Credit Card | |||||
| Bank Alfalah | Classic | Gold | Platinum | Cash Back | Express Gold |
| 2,099 | 0 | 18,000 | 4,999 | 11,000 | |
| Annual fee of Meezan Bank Limited Credit Card | |||||
| Meezan Bank Limited | Classic | Gold | Platinum | – | – |
| 0 | 0 | 0 | – | – | |
| Annual fee of Bank of Punjab (BoP) Credit Card | |||||
| Bank of Punjab (BoP) | Classic | Gold | Platinum | – | – |
| 4,000 | 7,500 | 15,000 | – | – | |
| Annual fee of JS Bank Limited Credit Card | |||||
| JS Bank Limited | Classic | Gold | Platinum | – | – |
| 0 | 0 | 0 | – | – | |
What should be considered before applying for a credit card?
By the way, all banks provide Credit Card facility. But we have to commpair all these banks and choose a good bank where we select credit card that offers us many of the conveniences of our daily life and makes our life easier.
We note some keypoints when we want to select a bank for Credit Card, these keypoints are:
- Annual Fee
- Reward Points
- Travel Benefits
- Insurance
- Installments Plane
- Tax Detail
- Cashback Facility
- Reverse Annual Fee
- Free Replacement
These keypoints are important for credit card user. Now we discussed and compare all of these keypoints one by one all of Top 10 Banks in Pakistan. A question arises here, How many Banks in Pakistan? the Answer is there are 5 Govt. banks in Pakistan and 20+ Banks in paksitan. Besides this in Pakistan some Banks provide Islamic Facility where no interest on Banks facilities.
Benefits of Credit Card
Well, there are many benefits of credit card, but the biggest benefit of all credit cards is that it is cashless. We don’t have to carry cash in the market. Apart from this, we spend advance money with the help of credit card which we have to pay to the Bank in a fixed time. Even after a huge hardship, our credit card doesn’t let us feel the hardship. We can use credit card for many issues or purchases. One thing is very important that is, What are the benefits to use credit card in Pakistan? the Answer is. We can purchase Mediciens, Cloths, Food, Collect Rewards points ( who can change into money ), Insurance, Purchase on installments anything, Pay bills, Pay Educational Fesses, Pay bank chalans, Pay govt. vouchers, use on restaurants for odder, traveling etc.
Tips of Choosing Best Credit Cards
- Assess Your Spending Habits
- Consider the Fees
- Look for additional perks
- Check interest rates
- Reviw the rewards Programs
Consolusion
A credit card is a basic necessity and its use makes life easier. Before starting to use a credit card, it is important to know about its advantages and disadvantages. Another very important aspect is how much the credit card charges us annually. And we must choose a credit card that does not charge an annual fee.
