HBL Platinum Credit Card Fees
HBL Platinum Credit Card's annual fee and markup rate, verified directly against HBL's own published Schedule of Charges — not a third-party estimate. More cards are added here as their fees are verified, building toward a full market comparison.
⏱ Last verified 20 Aug 2026 — banks revise these semi-annually, always confirm before applying→ How we verify banking data before it goes on this page
| BANK | PRODUCT | KEY FIGURE | DETAIL | SOURCE |
|---|---|---|---|---|
 HBL |
HBL Platinum Credit Card | Rs. 11,000/yr | Basic card annual fee; 24% p.a. markup on outstanding installment plans | HBL Schedule of Charges ↗ |
Fees shown are for the card tier and period stated; supplementary cards, cashback terms, and promotional waivers vary — check the bank's current Schedule of Charges before applying.
Frequently Asked Questions
How much does a credit card cost per year in Pakistan?
Annual fees vary widely by card tier. HBL's Platinum Credit Card, for example, carries a basic annual fee of Rs. 11,000 per HBL's own published Schedule of Charges, with entry-level cards typically costing significantly less.
What happens if I don't pay my credit card bill in full?
Banks charge markup on the outstanding balance, commonly around 24% per annum on installment-plan balances as disclosed in HBL's Schedule of Charges, plus a separate late payment fee if the minimum due isn't paid on time.
Why does this comparison only show one card so far?
Credit card fee structures differ significantly by card tier (basic, gold, platinum) even within the same bank, so PakFinHub verifies each entry against that bank's own current Schedule of Charges before adding it. More cards are being added as they're verified.