Cards & Offers

Bank of Punjab Discounts — Card Offers Explained

Mastercard debit and credit tiers, city-by-city merchant discounts, and how to find active discounts safely.

• Mastercard Debit & Credit
• 7 Cities, 75+ Merchants
• Verified Sep 1, 2026

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

Bank of Punjab discounts run through merchant partnerships tied to BOP Debit and Credit Mastercards, spanning seven cities — Islamabad, Lahore, Karachi, Faisalabad, Multan, Gujranwala, and Peshawar — across dining, retail, courier, and travel categories. Here's how the program actually works, what's currently offered where, and how to check current offers.

Beyond city-specific merchant deals, BOP also runs standing promotions like a 50% Thursday discount at Smash Burgers-Fries in Lahore and Gujranwala, and complimentary Mastercard World airport lounge access. BOP periodically refreshes dining, retail, and travel discounts tied to its Mastercard-branded cards.

BOP Card Tiers

Card tiers and discount mechanics confirmed from BOP's official Credit Card FAQs page and the Bank of Punjab Thursdays / Daraz partnership page.

Current Verified Offers

Smash Burgers-Fries: up to 50% off (capped at Rs. 3,000) at Smash Burgers-Fries with any BOP Debit or Credit Card, valid Thursdays only in Lahore and Gujranwala. Terms and conditions apply — confirm current details at bop.com.pk/Card-Discounts before visiting, since restaurant promotions can change or end without notice.

Mastercard World lounge access: eligible BOP Mastercard World Debit and World Credit cardholders get complimentary access to 1,200+ airport lounges worldwide, with no minimum or international spend requirement, through Mastercard Travel Pass powered by DragonPass. The benefit covers 12 complimentary visits annually and is activated by registering or logging into the Mastercard Travel Pass app with an active BOP World Debit or Credit Card. BOP states this offer runs until December 2026; terms and conditions apply.

Offers above sourced from BOP's official promotional material (Smash Burgers-Fries Thursday offer; Mastercard World lounge-access offer) and cross-referenced against bop.com.pk/Card-Discounts. Last verified: August 17, 2026. Card discounts are volatile — always confirm merchant, discount, eligible card, and validity directly with BOP or in the digiBOP app before relying on an offer.

Discounts by City

BOP's merchant discount program is organized by city, with participating merchants, discount tiers, and branch counts varying by location. Discount percentages shown depend on the specific BOP Debit or Credit Card variant presented at checkout — the "Card Deals" count indicates how many distinct BOP card variants are eligible at that merchant. Confirm the exact rate for your card in the digiBOP app or at bop.com.pk/Card-Discounts before visiting, since these change without notice.

Islamabad (12 Merchants)

Lahore (12 Merchants)

Karachi (12 Merchants)

Faisalabad (12 Merchants)

Multan (12 Merchants)

Gujranwala (9 Merchants)

Peshawar (7 Merchants)

City-wise merchant discount listing compiled from BOP's official Card Discounts page (bop.com.pk/Card-Discounts). Offers, branch counts, and discount tiers are volatile and change frequently — last compiled August 17, 2026. Always verify the current offer, eligible card, and terms directly with BOP before relying on any listed discount.

How to Check Current Discounts

Active discounts change frequently and are best confirmed in the digiBOP app's "Discounts & Offers" section, which lets you search and navigate to nearby deals tied to your specific BOP card. This is more reliable than third-party discount-aggregator sites, which are frequently out of date.

Card Fraud Note

Discount promotions are sometimes impersonated by phishing campaigns offering "cashback" or "bonus" links. BOP will never ask you to share your full card number, CVV, or OTP to redeem a legitimate discount — verify any offer inside the digiBOP app or on bop.com.pk before entering card details anywhere else.

Comparing BOP's Card Discounts to Other Banks

Merchant discount programs across Pakistani banks tend to follow a similar pattern — a headline e-commerce promotion plus a rotating set of dining and retail partners — and BOP's offering fits that mold rather than standing out dramatically on breadth. Where BOP's discounts are genuinely useful is for existing BOP customers who already hold a debit or credit card and want to stack modest ongoing savings, rather than as a reason on its own to open a new BOP account purely for the discount program.

Mastercard Credit Card Fees (SOBC, Effective 01 Jul – 31 Dec 2026)

Beyond the annual fee, BOP's credit card pricing includes a markup of roughly 3.5% per month (42% APR) on cash advances and retail transactions, a cash advance fee around Rs 1,600, a late payment fee around Rs 1,200, and foreign transaction charges of up to 5% over the prevailing market rate. Debit card issuance and annual fees also vary by tier (Classic, Gold, Platinum, World) — confirm the exact current figure for your specific card in the SOBC PDF or at your branch, since debit card tiers are priced separately from credit cards.

Figures sourced from BOP's official Schedule of Bank Charges (SOBC), effective 01 July 2026 to 31 December 2026, published on bop.com.pk.

Frequently Asked Questions

Good For

• Understanding how BOP's card discount program actually works
• Checking which card tier gives access to which offers
• Finding the most current discounts without relying on stale listings
• Recognising fraudulent "discount" links impersonating BOP

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For independent verification, see State Bank of Pakistan, Pakistan Stock Exchange, Bank of Punjab Official Website.