Details
Bank Al Habib Gold Credit Card
| Interest Rate / APR | Chip Maintenance Fee (Rs) | Cash Advance Fee (Rs) | Annual Fee (Rs) |
|---|---|---|---|
|
25% |
Nill |
500 or 3% whichever is higher |
0 |
Pros
- Free credit limit upto 51 days
- Free CIP lounge access
- Unlimited discounts and rewards points
Cons
- High interest rate however offers top-end benefits
- Beware of late fees charges involved with this card
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: 51Days
- 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): 1,250 or 10% whichever is higher
- Foreign Transaction Fee (PKR): 3.5%
Additional Offers: Get up to 50% discounts on various brands all across Pakistan
- Targeted For: Salaried Person and 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: MasterCarc
- Loung Access: CIP Lounges