Rewards credit cards let cardholders earn points, cashback and other benefits on eligible purchases. Check out the rewards, fees and perks offered by cards in Pakistan and Bangladesh
Key takeaways
- Rewards credit cards offer points, cashback, air miles and other benefits on eligible spending, with options available in Pakistan and Bangladesh
- Rewards and benefits vary by card, with some offering points on spending, while others can include cashback, air miles, airport lounge access, dining discounts or travel perks
- Most reward credit cards come at an annual fee starting at PKR 22,000 or BDT 12,000, but some credit cards don’t disclose their fee online
- The World Card is a virtual card linked to a multi-currency account, allowing businesses to pay in 150+ currencies using available balances
Digital payments are becoming a bigger part of everyday spending across South Asia, with cards gaining traction among consumers. In Pakistan, 89% of people used at least one emerging payment method (including credit cards) in 2022, whereas in Bangladesh, credit cards have seen a 65% growth since 2020.
This guide covers rewards credit cards in Pakistan and Bangladesh, including points, cashback, travel benefits, fees and redemption options. It also covers the World Card, a multi-currency card by WorldFirst that supports cross-border payments across 200+ countries and regions.
What to look for in a rewards credit card
- Rewards structure: Cards may offer reward points, cashback, air miles or higher rewards for selected spending categories
- Local vs international spending: Some cards offer higher reward rates on international transactions than local purchases
- Annual fee: Rewards cards may charge an annual fee, although some banks may waive it when spending requirements are met
- Interest rate: Interest applies to balances that remain unpaid after the no-interest period
- Foreign transaction fees: International or foreign-currency transactions may carry an additional percentage-based fee
- Redemption options: Points may be redeemable for statement credits, vouchers, merchandise, travel bookings or fee waivers
Top rewards credit cards in South Asia
1. HBL Platinum CreditCard
The HBL Platinum CreditCard in Pakistan offers reward points on local and foreign-currency purchases, including dining, travel, shopping and entertainment.1 Cardholders earn one point per PKR 25 spent locally and three points per PKR 25 on foreign-currency spending.1
Points can be redeemed for annual fee waivers, electronics, watches and dining vouchers.1 The card also provides complimentary access to international airport lounges, with up to six no-cost visits per calendar year.1
Pricing: Not specified
*Fees checked in August 2026
2. UBL VISA Platinum Credit Card
The UBL VISA Platinum Credit Card is for Pakistani users and gives one reward point for every PKR 100 spent locally and three reward points for every PKR 100 (or equivalent) spent internationally.2 Points can also be used to pay off the outstanding card balance.2
Cardholders receive access to selected airport lounges, including lounges at participating Pakistani airports for eligible international travel, plus Priority Pass membership.2 The card also provides merchant and VISA International discounts.2
Pricing: PKR 22,000 annually3
*Fees checked in August 2026
3. Standard Chartered Mastercard Platinum Credit Card
The Standard Chartered Mastercard Platinum Credit Card is for users in Pakistan and earns one reward point for every PKR 40 spent.4 It also includes access to 25+ international airport lounges, capped at six visits per calendar year, along with dining, retail and lifestyle discounts.4 Other benefits include purchase protection, a Platinum Concierge Service, golf sessions at Karachi Golf Club and selected travel and shopping offers.4
Pricing: Not specified
*Fees checked in August 2026
4. Standard Chartered Rewards VISA Signature Credit Card
The Standard Chartered Rewards VISA Signature Credit Card (Bangladesh) offers two reward points for every BDT 50 spent on retail transactions, compared with one point for other cardholders.5
New cardholders can also receive 10% cashback on dining during the first three months.5 Benefits include access to the Balaka airport lounge and Priority Pass access to more than 1,700 lounges worldwide, plus supplementary cards and flexible payment options.5
Pricing: BDT 12,000 annually6
*Fees checked in August 2026
5. BRAC Bank VISA Signature Credit Card
The BRAC Bank VISA Signature Credit Card is available in Bangladesh and earns two points for every BDT 80 spent, with higher rewards available for selected grocery and fuel purchases.7 Users can also earn bonus reward points by spending a total of BDT 10,000 per month on Aarong, Amazon, Apex and Netflix.7 Other benefits include 10 complimentary LoungeKey visits (US$35 charged thereafter), pick and drop services, and annual-fee waivers through reward points.7
Pricing: Not specified
*Fees checked in August 2026
The World Card: A business payment card for global operations
The World Card is a Mastercard-powered virtual business payment card linked to the World Account, a multi-currency account supporting 15+ currencies, including USD, GBP, EUR and CNH. Businesses can use funds held in supported currency balances to pay for business expenses via the World Card. This can help them reduce unnecessary currency conversions when paying in a currency they already hold.
Businesses can issue up to 20 virtual cards at no additional issuance cost and assign them to different teams, departments or expense types. Each card comes with custom spending controls and freeze/unfreeze options. Plus, payments in 15 supported currencies can be made without additional fees when sufficient balance is held in that currency.
Key features of the World Card
- The multi-currency card supports transactions in 150+ currencies
- Up to 20 virtual cards for different teams, departments or business expenses at zero cost
- Linked to the World Account with 15+ supported currency balances
- Receive international payments from 130+ global marketplaces and payment gateways, including Amazon, Etsy and Stripe
- Xero and NetSuite integrations for business expense reconciliation
- Pay suppliers in China via World Pay, which is the authorised international payment provider for 1688.com
→ Learn how to open a USD account in Pakistan
| Fee type | World Card fees |
| Card issuance fee | Zero |
| Annual card fee | Zero |
| Currency conversion |
|
*Fees checked in August 2026
FAQs
1. What are reward points on a credit card?
Reward points are points earned when eligible purchases are made with a credit card. The number of points earned can depend on the amount spent, transaction type or spending category. Points may be redeemed for rewards such as vouchers, statement credits, merchandise, travel or fee waivers.
2. How can we use credit card reward points?
Redemption options depend on the card issuer. Points may be used towards outstanding balances, shopping vouchers, merchandise, travel bookings or annual-fee waivers, depending on the bank’s available redemption programme.
3. What is the difference between a rewards credit card and a business payment card like the World Card?
A rewards credit card provides a credit limit that can be used for purchases and may charge interest on unpaid balances. The World Card is a virtual card linked to the World Account, so transactions are made from the available multi-currency balance rather than borrowed funds.
Sources
- https://www.hbl.com/personal/cards/credit-cards/platinum-credit-card
- https://ubldigital.com/Loans/Cards-Products/UBL-Credit-Card/UBL-Platinum
- https://ubldigital.com/portals/0/Pdf/UBL-SOC-July-to-December-2026.pdf
- https://www.sc.com/pk/credit-cards/mastercard-platinum/
- https://www.sc.com/bd/credit-cards/visa-signature/
- https://av.sc.com/bd/content/docs/bd-scb-credit-card-consolidated-soc-latest.pdf
- https://www.bracbank.com/en/retail/card/signature-card
This article is intended for informational purposes only and does not constitute legal advice or professional advice. This article should not be regarded as constituting an offer or a solicitation to buy or sell any regulated or financial products or services. WorldFirst makes no representations or warranties regarding the accuracy, completeness, or applicability of the content, and readers are encouraged to consult with legal professionals or other professionals for advice tailored to their specific situation. WorldFirst does not guarantee the accuracy and completeness of this article and expressly disclaims any and all liability to any person in respect of the consequences of anything done or omitted to be done wholly or partly in reliance on this article.
