HBL Platinum

A premium points card for dining and travel, with domestic lounge visits.

platinum credit

HBL Platinum Visa

Visa Platinum Conventional

PKR 12,000Annual fee

PKR 5,000Joining fee

PKR 150,000Minimum monthly income

PKR 4,000Supplementary card

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You leave CardWorth and apply on the bank site. Last verified: 10 Aug 2026

Fees and eligibility

PKR 1,800,000Annual spend to waive the fee

3.5%FX charges

PKR 150,000Salaried minimum

PKR 250,000Self-employed minimum

Salaried or self-employed applicants, subject to the bank's own assessment.

Indicative only. The bank decides approval.

Type: points. Base rate: 1.5. Point or mile value: 0.75 PKR.

Category	Type	Rate	Min monthly	Yearly cap
dining	points	4	PKR 0	PKR 40,000
travel	points	5	PKR 0	PKR 60,000
hotels	points	4	PKR 0	PKR 30,000
international	points	3	PKR 0	PKR 25,000

Cashback rates are percentages. Points and miles are per PKR 100. Caps are yearly PKR estimates.

Dining. Elevated dining points.

Travel. Higher points on airline spend.

Hotel. Hotel points above the base rate.

International. International spend earns above the base rate.

Premium. Platinum tier service in this sample.

Domestic · 4 visits · Guest no.

Major Pakistan airports, subject to the lounge programme.

Installments: published as available.

Cash advances, government payments, and balance transfers may be excluded from reward earning. Confirm the current exclusions with the bank.

Sample record for demonstration. Fees, rewards, and eligibility change. Verify the schedule of charges before applying.

You leave CardWorth and continue on the bank's website.

Final eligibility, pricing, fees, and approval are determined by HBL.