Bank Al Habib Gold Credit Card

A card that offers you rewards and safe spending with attractive low markup rate


Interest Rate / APR
 
25%
Chip Maintenance Fee
(Rs)
Nil
Cash Advance Fee
(Rs)
500 or 3% whichever is higher
Annual Fee
(Rs)
4,500
  • Pros

    - Free credit limit upto 51 days

    - Free CIP lounge access

    - Unlimited discounts and rewards points

  • Cons

    - Beware of late fees charges involved with this card

    - High interest rate however offers top-end benefits

  • Features

    - Enjoy worldwide accessibility to approx. 29 Million plus places

    - Withdraw advance cash up to 60% of your credit limit

    - Enjoy up to 25% discounts on shopping, dining and health centers

    - The card can be globally accessed all over the world

    - Pay your outstanding amount on easy monthly installment instead of the complete amount

    - Get 3 supplementary cards for your family

  • Eligibility

    Note: You must be an existing individual Account Holder

    Salaried Person:
    - Minimum Salary Requirement: Rs. 20,000
    - Age Limit:  21 - 60 years
    - Documents required: CNIC, Salary slips, Bank statement, Letter from employer

    Self-Employed / Businessmen:
    - Minimum income: Rs.  25,000
    - Age Limit:  21 - 65 years
    - Documents required: CNIC, NTN, Proof of business, Bank statement




Other Details

  • Maximum Credit Limit

    Up to 5-6 times of salary

  • Interest Free Period

    51 Days

  • Balance Transfer Rate

    -

  • Cash Advance Fee Annual (PKR)

    500 or 3% whichever is higher

  • Cash Advance Rate (%)

    25

  • Rewards Program

    Reward Points

  • Reward Points

    1 reward point International & Local on PKR 50

  • Late Payment Fee (PKR)

    1,500 or 10% whichever is higher

  • Foreign Transaction Fee (PKR)

    4%

  • Targeted For

    Self Employed/Businessmen

  • Min. Income for Salaried (PKR)

    20,000

  • Min. Income for Businessman (PKR)

    25,000

  • Best Suitable For

    Low income individuals

  • Minimum Age (Years)

    21 Years

  • No. of Supplementary Cards

    3

  • Payment Network

    Mastercard

  • Loung Access

    CIP Lounges

Additional Offers: Get up to 50% discounts on various brands all across Pakistan