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Bank AL Habib Credit Card — Fees, Eligibility & Application

Bank AL Habib's credit cards — Platinum, Gold, and Green — carry different annual fees and a 25% APR, with eligibility criteria, the application process, and reward-point redemption covered below.

Part of PakFinHub's Bank AL Habib coverage — see the full bank overview.

  • Last Verified: Aug 23, 2026
  • Official SOC Data
  • Updated Regularly

Written & reviewed by — 10+ years in Pakistani banking, BS Banking & Finance (NUML University)

Bank AL Habib offers three credit card tiers — Green, Gold, and Platinum — to existing account holders, each with its own annual fee, income eligibility, and reward structure. This page covers the credit card specifically: what it costs, who qualifies, how to apply, and how the 25% APR and rewards actually work. For merchant discounts and debit-card offers, see the separate Cards & Discounts page.

Bank AL Habib Credit Card Lineup — Fees

CardPrimary (Annual)Supplementary (Annual)
Platinum Credit Card New this periodRs 20,000*Rs 8,000*
Gold Credit CardRs 8,000*Rs 3,700*
Green Credit CardRs 5,600*Rs 2,400*

These are not fee-free cards. Each tier carries a real annual fee, structured as a spend-based reduction and reversal — for example, the Gold Card's Rs 8,000 annual fee drops to Rs 800 if you spend Rs 150,000 within 60 days of issuance, and reverses to zero entirely if you spend Rs 200,000 within 90 days. The Platinum Credit Card is new to this fee schedule as of the current period.

Other ChargesRate
Annual Percentage Rate (APR) — revolving credit25% p.a. (2.083%/month)
Late Payment FeeRs 2,300
Cash Advance FeeRs 1,200
Cheque Return FeeRs 1,000
Foreign transaction charge4.50% of transaction amount
Card replacement (Platinum / Gold / Green)Rs 2,000 / Rs 1,600 / Rs 1,600
Card conversion / upgrade feeRs 1,000
Auto-debit rejection / insufficient funds feeRs 500

*Annual fees shown are the standard rate before any spend-based reduction; exact reversal thresholds vary slightly by tier — confirm your card's specific terms at issuance. All figures from Bank AL Habib's official Schedule of Bank Charges, effective July 1 – December 31, 2026.

Eligibility to Apply

RequirementDetail
Who can applySalaried employees of corporate relationships receiving salary in a Bank AL Habib account; self-employed professionals and businessmen
Age — salaried21–60 years
Age — self-employed / business21–65 years
Age — supplementary cardholder18–70 years
Minimum income — salariedRs 20,000/month
Minimum income — self-employed/businessRs 25,000/month
Debt burdenMust not exceed 40% of take-home income
Other checksClearance from eCIB and compliance with SBP Prudential Regulations

Sourced from Bank AL Habib's official Credit Cards eligibility page. Note the bank markets its credit card as available to "existing account holders" — you generally need a Bank AL Habib account relationship in place before applying.

How to Apply

Applications go through your relationship branch — the bank does not currently advertise a fully digital, instant-decision credit card application flow the way some competitors do. Visit your branch, complete the application form, and provide proof of income (salary slip/letter and bank statements for salaried applicants; business proof, NTN, and bank statements for self-employed applicants). Approval and card issuance follow standard eCIB and SBP Prudential Regulation checks — timelines aren't published, so ask your branch directly what to expect.

Rewards & Redemption

Earning

Reward Points accrue on every Rs 50 (or FX equivalent) spent on Basic or Supplementary Cards.

Redeeming

A minimum of 2,500 Reward Points is required before you can redeem — call the Helpline to start the redemption process.

Where to redeem

A range of Reward Points Redemption Partners; specific merchant options are subject to change — confirm current partners with the bank.

Sourced from Bank AL Habib's official Credit Cards page.

Credit Card vs. Debit Card — Which Do You Need?

If you're comparing merchant discounts, dining offers, or day-to-day spending perks, that's the Debit Card & Discounts page — most active offers apply broadly across debit tiers. This page covers the credit card specifically: applying for one, what it costs to hold, and how the revolving credit and rewards mechanics work.

Ready to explore Bank AL Habib Credit Card Guide?

Verify current rates, terms, and eligibility directly with Bank AL Habib before applying — this page is independent, sourced, and kept current, but the bank's own site is the final word on live terms.

Visit Bank AL Habib Back to Overview

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