Islamic Credit
Cards
Spend smart, spend ethical. Experience the convenience of global spending power with zero Riba, transparent fees, and exclusive lifestyle rewards.
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Banks
World Mastercard
World
Annual Fee
PKR 26,000
More Details
Card Information
Card Name
World Mastercard
Card Tier
world
Additional Information
credit score
Excellent
card network
mastercard
income requirement
PKR 200,000+ monthly
rewards rate
2 points per PKR 100 spent
insurance benefits
-
•
travel insurance: Up to PKR 5,000,000
-
•
purchase protection: 90 days
Annual Fee
Basic
PKR 26,000
Supplementary
PKR 12,500
Fee Reversal Criteria
Basic
PKR 1,000,000 within 12 months
Reduced Fee
PKR 2,500 will be charged
Supplementary
PKR 50,000 within 60 days
Discounts
Up to 50% at our 300+ discount partners of lifestyles & Flavors locally
Redemption
Simply redeem your accumulated reward points at our 200+ redemption outlets
Airport Lounge Access
Domestic
Unlimited complimentary access with a guest to CIP lounge at Lahore & Islamabad airport.
Unlimited complimentary access with a guest to Majestic lounge at Karachi Airport.
International
Unlimited lounge access at over 1100+ International Lounges through Mastercard travel pass app
Golf Benefits
You can enjoy monthly free Golf sessions at renowned courses across Pakistan*
How to Activate
Helpline
By contacting 24/7 Helpline (Velocity/Gold/Titanium: 021 111 06 06 06, Platinum/World: 021 111 11 71 71)
WhatsApp
WhatsApp +923 101 786 786
Eligibility Criteria
Min 18 years old – Max 70 years old (Basic Card Holder)
Income Requirement
Salaried (Approved)
PKR 40,000
Salaried (Unapproved)
PKR 50,000
Self Employed
PKR 100,000
Terms & Conditions
- 1 All government excise and stamp duties, taxes, FED etc. and correspondent bank charges (if any) are for customer’s account and will be charged in addition to bank charges.
- 2 All government excise and stamp duties, taxes, FED etc. are non-reversible.
- 3 Spend within required no. of days from first statement generation date post card activation for annual fee reversal. Reduced fee will be charged on basic card upon spend based reversal.
Card Limit
Minimum
1 Million
Maximum
7 Million
Cash Limit
PKR 50,000 or 10% of the card limit (whichever is lower)
Notes
Based on assessing the eligibility details, documents provided and subject to the approval of application
Benefits
cashback
N/A
deals
Global lifestyle and travel offers via Mastercard network
airport lounge
Access to 1,100+ lounges worldwide (via Mastercard TravelPass)
concierge
N/A
supplementary cards
N/A
balance transfer
N/A
installment plan
0% Easy Installment Plan on partner outlets
charity contribution
N/A
contactless payment
Chip & PIN + Mastercard Contactless + 3D Secure
online shopping protection
N/A
travel insurance
N/A
foreign currency markup
N/A
Platinum Mastercard
Platinum
Annual Fee
PKR 19,000
More Details
Card Information
Card Name
Platinum Mastercard
Card Tier
platinum
Additional Information
credit score
Very Good
card network
mastercard
income requirement
PKR 150,000+ monthly
rewards rate
1.5 points per PKR 100 spent
insurance benefits
-
•
travel insurance:
-
•
purchase protection:
Annual Fee
Basic
PKR 19,000
Supplementary
PKR 6,000
Fee Reversal Criteria
Basic
PKR 500,000 within 12 months
Reduced Fee
PKR 2,100 will be charged
Supplementary
PKR 25,000 within 60 days
Discounts
Up to 50% at our 300+ discount partners of lifestyles & Flavors locally
Redemption
Simply redeem your accumulated reward points at our 200+ redemption outlets
Airport Lounge Access
Domestic
Unlimited complimentary access with a guest to CIP lounge at Lahore & Islamabad airport.
Unlimited complimentary access with a guest to Majestic lounge at Karachi Airport.
International
Unlimited lounge access at over 25+ International Lounges through Mastercard travel pass app
Golf Benefits
You can enjoy monthly free Golf sessions at renowned courses across Pakistan* (on weekdays)
How to Activate
Helpline
By contacting 24/7 Helpline (Velocity/Gold/Titanium: 021 111 06 06 06, Platinum/World: 021 111 11 71 71)
WhatsApp
WhatsApp +923 101 786 786
Eligibility Criteria
Min 18 years old – Max 70 years old (Basic Card Holder)
Income Requirement
Salaried (Approved)
PKR 40,000
Salaried (Unapproved)
PKR 50,000
Self Employed
PKR 100,000
Terms & Conditions
- 1 All government excise and stamp duties, taxes, FED etc. and correspondent bank charges (if any) are for customer’s account and will be charged in addition to bank charges.
- 2 All government excise and stamp duties, taxes, FED etc. are non-reversible.
- 3 Spend within required no. of days from first statement generation date post card activation for annual fee reversal. Reduced fee will be charged on basic card upon spend based reversal.
Card Limit
Minimum
500K
Maximum
1 Million
Cash Limit
PKR 35,000 or 10% of the card limit (whichever is lower)
Notes
Based on assessing the eligibility details, documents provided and subject to the approval of application
Benefits
cashback
N/A
deals
Exclusive discounts up to ~50% reported
airport lounge
Complimentary access to 25+ international lounges
concierge
N/A
supplementary cards
N/A
balance transfer
N/A
installment plan
0% Easy Installment Plan on partner stores
charity contribution
N/A
contactless payment
Chip & PIN + 3D Secure + Contactless
online shopping protection
N/A
travel insurance
N/A
foreign currency markup
N/A
Titanium Mastercard
Titanium
Annual Fee
PKR 13,000
More Details
Card Information
Card Name
Titanium Mastercard
Card Tier
titanium
Additional Information
credit score
Good
card network
mastercard
income requirement
PKR 100,000+ monthly
rewards rate
1 point per PKR 100 spent
insurance benefits
-
•
travel insurance:
-
•
purchase protection:
Annual Fee
Basic
PKR 13,000
Supplementary
PKR 4,000
Fee Reversal Criteria
Basic
PKR 40,000 within 60 days
Reduced Fee
PKR 1,100 will be charged
Supplementary
PKR 20,000 within 60 days
Discounts
Up to 50% at our 300+ discount partners of lifestyles & Flavors locally
Redemption
Simply redeem your accumulated reward points at our 200+ redemption outlets
Airport Lounge Access
Domestic
Unlimited access to Majestic lounge at Karachi
International
Unlimited lounge access at over 11 International Lounges through Mastercard travel pass app
Golf Benefits
N/A
How to Activate
Helpline
By contacting 24/7 Helpline (Velocity/Gold/Titanium: 021 111 06 06 06, Platinum/World: 021 111 11 71 71)
WhatsApp
WhatsApp +923 101 786 786
Eligibility Criteria
Min age 18 years old – Max age 70 years old (Basic Card Holder)
Income Requirement
Salaried (Approved)
PKR 40,000
Salaried (Unapproved)
PKR 50,000
Self Employed
PKR 100,000
Terms & Conditions
- 1 All government excise and stamp duties, taxes, FED etc. and correspondent bank charges (if any) are for customer’s account and will be charged in addition to bank charges.
- 2 All government excise and stamp duties, taxes, FED etc. are non-reversible.
- 3 Spend within required no. of days from first statement generation date post card activation for annual fee reversal. Reduced fee will be charged on basic card upon spend based reversal.
Card Limit
Minimum
200K
Maximum
500K
Cash Limit
PKR 25,000 or 10% of the card limit (whichever is lower)
Notes
Based on assessing the eligibility details, documents provided and subject to the approval of application
Benefits
cashback
N/A
deals
Discounts up to ~50% on selected brands. Earn 1 reward point per PKR 100 local spend; 3× on charities/social service organizations
airport lounge
N/A (though reported “airport lounge access” for Titanium/Platinum/World in some sources)
concierge
N/A
supplementary cards
Up to 5 supplementary cards for family
balance transfer
N/A
installment plan
Convert purchases into easy installment plan with no early settlement charges
charity contribution
N/A
contactless payment
Chip & PIN + 3D Secure + Contactless (Mastercard)
online shopping protection
N/A
travel insurance
N/A
foreign currency markup
N/A
Velocity Mastercard
Velocity
Annual Fee
PKR 6,500
More Details
Card Information
Card Name
Velocity Mastercard
Card Tier
velocity
Additional Information
credit score
Average
card network
mastercard
income requirement
PKR 50,000+ monthly
rewards rate
0.25 points per PKR 100 spent
insurance benefits
-
•
travel insurance:
-
•
purchase protection:
Annual Fee
Basic
PKR 6,500
Supplementary
PKR 1,600
Fee Reversal Criteria
Basic
PKR 20,000 within 60 days
Reduced Fee
PKR 600 will be charged
Supplementary
PKR 10,000 within 60 days
Discounts
Up to 50% at our 300+ discount partners of lifestyles & Flavors locally
Redemption
Simply redeem your accumulated reward points at our 200+ redemption outlets
Airport Lounge Access
Domestic
N/A
International
N/A
Golf Benefits
N/A
How to Activate
Helpline
By contacting 24/7 Helpline (Velocity/Gold/Titanium: 021 111 06 06 06, Platinum/World: 021 111 11 71 71)
WhatsApp
WhatsApp +923 101 786 786
Eligibility Criteria
Min 18 years old – Max 70 years old (Basic Card Holder)
Income Requirement
Salaried (Approved)
PKR 40,000
Salaried (Unapproved)
PKR 50,000
Self Employed
PKR 100,000
Terms & Conditions
- 1 All government excise and stamp duties, taxes, FED etc. and correspondent bank charges (if any) are for customer’s account and will be charged in addition to bank charges.
- 2 All government excise and stamp duties, taxes, FED etc. are non-reversible.
- 3 Spend within required no. of days from first statement generation date post card activation for annual fee reversal. Reduced fee will be charged on basic card upon spend based reversal.
Card Limit
Minimum
25K
Maximum
100K
Cash Limit
PKR 25,000 or 10% of the card limit (whichever is lower)
Notes
Based on assessing the eligibility details, documents provided and subject to the approval of application
Benefits
cashback
N/A
deals
Up to ~40% discounts across dining & shopping. Earn 3× reward points on donations/charity
airport lounge
N/A
concierge
N/A
supplementary cards
N/A
balance transfer
N/A
installment plan
0% installment plan available on many partner products.
charity contribution
N/A
contactless payment
Chip & PIN + Contactless + 3D Secure features
online shopping protection
N/A
travel insurance
N/A
foreign currency markup
N/A
Saadiq Mastercard Platinum Credit Card
Platinum
Annual Fee
PKR 15,000
More Details
Card Information
Card Name
Saadiq Mastercard Platinum Credit Card
Card Tier
platinum
Additional Information
credit score
card network
mastercard
income requirement
rewards rate
insurance benefits
-
•
travel insurance:
-
•
purchase protection:
Annual Fee
Basic
PKR 15,000
Supplementary
PKR 7,500
Fee Reversal Criteria
Basic
PKR 300,000 within 12 months
Reduced Fee
N/A
Supplementary
N/A
Discounts
Up to 50% off on dining, retail, and lifestyle merchants across Pakistan partnered with Standard Chartered Bank.
Redemption
N/A
Airport Lounge Access
Domestic
Complimentary access to CIP Lounges at Karachi, Lahore, and Islamabad airports
International
Unlimited complimentary access to 25+ international lounges via Mastercard Travel Pass
Golf Benefits
N/A
How to Activate
Helpline
By contacting 24/7 Helpline 021 111-002-002
WhatsApp
WhatsApp +27 64 570 0291
Eligibility Criteria
Pakistani Resident, Minimum age is 21 (salaried) / 25 (self-employed)
Income Requirement
Salaried (Approved)
N/A
Salaried (Unapproved)
N/A
Self Employed
N/A
Terms & Conditions
- 1 All government excise and stamp duties, taxes, and FED are charged in addition to bank fees.
- 2 Spend reversal applies post card activation based on annual spend target.
Card Limit
Minimum
PKR 100,000
Maximum
Subject to eligibility and bank approval
Cash Limit
10% of card limit or PKR 25,000–50,000, whichever is lower
Notes
As part of going green, printed Product Terms and Features Catalogue are no longer included in welcome packs. Product Terms & Conditions online.
Benefits
cashback
5% on grocery, dining, and e-commerce transactions
deals
Access to 2300+ brands across Pakistan with Mastercard Priceless Specials
airport lounge
Unlimited access at 25+ lounges across Middle East, North Africa, Pakistan, and more with Mastercard Airport Pass (DragonPass)
concierge
Enjoy flight, hotel, or travel assistance through dedicated concierge services
supplementary cards
Up to 5 supplementary cards for family members
balance transfer
Shariah-compliant balance transfer facility available
installment plan
0% Easy Installment Plan at partner outlets
charity contribution
Part of every transaction goes toward Saadiq charitable initiatives
contactless payment
Tap-and-go contactless payment support
online shopping protection
Secure online shopping with Mastercard SecureCode
travel insurance
Free travel accident insurance up to USD 100,000
foreign currency markup
Low 3.5% foreign currency markup
Gold Mastercard
Gold
Annual Fee
PKR 11,000
More Details
Card Information
Card Name
Gold Mastercard
Card Tier
gold
Additional Information
credit score
Fair
card network
mastercard
income requirement
PKR 75,000+ monthly
rewards rate
0.5 points per PKR 100 spent
insurance benefits
-
•
travel insurance:
-
•
purchase protection:
Annual Fee
Basic
PKR 11,000
Supplementary
PKR 2,000
Fee Reversal Criteria
Basic
PKR 30,000 within 60 days
Reduced Fee
PKR 900 will be charged
Supplementary
PKR 15,000 within 60 days
Discounts
Up to 50% at our 300+ discount partners of lifestyles & Flavors locally
Redemption
Simply redeem your accumulated reward points at our 200+ redemption outlets
Airport Lounge Access
Domestic
Unlimited access to Majestic lounge at Karachi
International
N/A
Golf Benefits
N/A
How to Activate
Helpline
By contacting 24/7 Helpline (Velocity/Gold/Titanium: 021 111 06 06 06, Platinum/World: 021 111 11 71 71)
WhatsApp
WhatsApp +923 101 786 786
Eligibility Criteria
Min 18 years old – Max 70 years old (Basic Card Holder)
Income Requirement
Salaried (Approved)
PKR 40,000
Salaried (Unapproved)
PKR 50,000
Self Employed
PKR 100,000
Terms & Conditions
- 1 All government excise and stamp duties, taxes, FED etc. and correspondent bank charges (if any) are for customer’s account and will be charged in addition to bank charges.
- 2 All government excise and stamp duties, taxes, FED etc. are non-reversible.
- 3 Spend within required no. of days from first statement generation date post card activation for annual fee reversal. Reduced fee will be charged on basic card upon spend based reversal.
Card Limit
Minimum
100K
Maximum
200K
Cash Limit
PKR 25,000 or 10% of the card limit (whichever is lower)
Notes
Based on assessing the eligibility details, documents provided and subject to the approval of application
Benefits
cashback
N/A
deals
Discount offers on dining, shopping. Earn reward points
airport lounge
N/A
concierge
N/A
supplementary cards
N/A
balance transfer
N/A
installment plan
N/A (not clearly listed)
charity contribution
N/A
contactless payment
N/A (likely similar but not explicitly listed)
online shopping protection
N/A
travel insurance
N/A
foreign currency markup
N/A
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