Bank AL Habib Credit Card Charges 2026: Annual Fee for Every Card, 25% Markup, Late Payment and Cash Advance in Pakistan (Full List)
Bank AL Habib credit card charges 2026: Green Rs 5,600, Gold Rs 8,000, Platinum Rs 20,000 a year, markup 25%, late fee Rs 2,300, cash advance fee Rs 1,200.
Bank AL Habib credit cards cost Rs 5,600 a year for Green, Rs 8,000 for Gold and Rs 20,000 for Platinum in 2026, and the fee is fully reversed if you spend enough in the first 90 days. Markup is 25% a year, or 2.083% a month. A late payment costs Rs 2,300 and each cash advance Rs 1,200. All three are Mastercard cards, offered only to existing Bank AL Habib account holders.
We read Bank AL Habib's credit card summary box for 2026, its card schedule of charges and the main schedule of bank charges for July to December 2026 on 9 November 2026. All three are on bankalhabib.com. Fees are shown before federal excise duty, which is added on top. Below are the yearly fees, the spend you need for a waiver, every other charge, and who can apply.
Bank AL Habib credit card annual fees run from Rs 5,600 to Rs 20,000
The main card costs Rs 5,600 a year for Green, Rs 8,000 for Gold and Rs 20,000 for Platinum. Each card drops to one tenth of the fee if you spend a set amount within 60 days, and to nothing if you spend a higher amount within 90 days.
| Card | Annual fee | Cut to | Spend for the cut, 60 days | Spend for no fee, 90 days |
|---|---|---|---|---|
| Green, main card | Rs 5,600 | Rs 560 | Rs 100,000 | Rs 150,000 |
| Gold, main card | Rs 8,000 | Rs 800 | Rs 150,000 | Rs 200,000 |
| Platinum, main card | Rs 20,000 | Rs 2,000 | Rs 200,000 | Rs 250,000 |
| Green, supplementary | Rs 2,400 | Rs 240 | Rs 50,000 | Rs 75,000 |
| Gold, supplementary | Rs 3,700 | Rs 370 | Rs 75,000 | Rs 100,000 |
| Platinum, supplementary | Rs 8,000 | Rs 1,000 | Rs 100,000 | Rs 150,000 |
The reversal does not cover the federal excise duty charged on the fee, so a small amount stays even on a fully waived card. Gold at Rs 8,000 is the middle choice: Rs 200,000 of spending in three months clears it, which is about Rs 66,700 a month.
Bank AL Habib Green credit card
Rs 5,600 a year, waived on Rs 150,000 of spending in 90 days. It has a 60% cash advance facility, reward points and free SMS alerts, e-statements and internet banking. It is the card for someone who wants a low fee and modest spending.
Bank AL Habib Gold credit card
Rs 8,000 a year, waived on Rs 200,000 of spending in 90 days. The bank lists supplementary cards, cash advance up to 60% of the limit and a 4.5% charge on foreign purchases. Supplementary cards cost Rs 3,700 each.
Bank AL Habib Platinum credit card
Rs 20,000 a year, waived on Rs 250,000 of spending in 90 days. The Platinum page lists up to 5 supplementary cards, airport lounge access with conditions, insurance cover, and reward points worth Rs 0.25 for every Rs 50 spent at shops. For other banks' lounge cards, see cards with free airport lounge access.
Bank AL Habib credit card markup is 25% a year
Markup is 25% a year on purchases and cash, which the summary box shows as 2.083% a month or 0.06849% a day. Pay the full bill by the due date and purchases cost nothing for up to 51 days. Cash advances have no free period.
So if you leave Rs 100,000 of purchases unpaid for a month, you pay about Rs 2,083 in markup. A Rs 50,000 cash advance kept for 30 days costs the Rs 1,200 fee plus about Rs 1,027 in markup, so about Rs 2,227 in all. These are our own sums on the rates in the summary box. The minimum payment is 5% of the bill or Rs 400, whichever is higher, plus insurance if you chose it.
- Pay in full by the due date: no markup on purchases.
- Pay the minimum or part of the bill: markup runs on the unpaid purchases from the date you made them.
- Cash advance: markup runs from the day you take the cash until you repay it in full.
- Payments go first to markup and insurance, then fees, then the amount you spent.
Your rights on the statement and due date are set by the State Bank, as our guide to credit card bill rights explains.
Bank AL Habib credit card late fee is Rs 2,300
A late payment costs Rs 2,300. A cash advance costs Rs 1,200 each time. A returned cheque costs Rs 1,000 and a failed auto debit Rs 500. Foreign purchases carry an extra 4.5%, and a replacement card costs Rs 1,600 for Green or Gold and Rs 2,000 for Platinum.
| Charge | Bank AL Habib credit card, 2026 |
|---|---|
| Markup, purchases and cash | 25% a year, 2.083% a month |
| Late payment fee | Rs 2,300 |
| Cash advance fee | Rs 1,200 |
| Cheque returned | Rs 1,000 |
| Auto debit rejected, not enough funds | Rs 500 |
| Foreign currency purchases | 4.5% of the amount |
| Replacement card, Green or Gold | Rs 1,600 |
| Replacement card, Platinum | Rs 2,000 |
| Card conversion or upgrade | Rs 1,000 |
| Credit Shield insurance, optional | 0.080% of the monthly outstanding |
| Sales slip retrieval | At actual cost |
Paying the card bill through 1-Bill also carries a small fee, from Rs 12.50 to Rs 500 by amount. The two Bank AL Habib documents give slightly different slabs: the main schedule starts at Rs 12.50 up to Rs 10,000, while the card schedule charges Rs 15.50 between Rs 5,000 and Rs 10,000 and Rs 39 from Rs 10,000 to Rs 100,000. Paying from your own Bank AL Habib account avoids the question.
Bank AL Habib credit card limit goes up to Rs 3 million
The summary box puts the highest unsecured limit at Rs 3 million, and cash withdrawals at up to 60% of your limit. A card is valid for five years. Cross-border card spending is capped at USD 30,000 a year per person under the State Bank's rule.
Your own limit depends on your income and other loans. The bank caps total debt payments at 40% of take-home pay. To ask for a higher limit later, see our guide to increasing a credit card limit. The bank's page also warns that card payments to forex trading apps and websites are blocked under State Bank directions.
Who can get a Bank AL Habib credit card
Only existing Bank AL Habib account holders can apply. Salaried applicants must be 21 to 60 and earn at least Rs 20,000 a month. Self-employed professionals and business people must be 21 to 65 and earn at least Rs 25,000 a month.
- Open or use a Bank AL Habib account, since the card is offered to existing customers only.
- Gather your CNIC copy, six months of bank statements, and a salary slip or certificate, or proof of business if self-employed.
- Fill the bank's application form at your branch, with the CF-1 annexure listing loans at other banks.
- Wait for the eCIB credit check and approval.
- When the card arrives, sign the back and call 021 111 014 014 or 0800 00006 to activate it.
Supplementary cards are for family members aged 18 to 70. Choosing Credit Shield insurance needs a separate undertaking.
Common questions
What is the Bank AL Habib credit card annual fee in 2026?
Rs 5,600 for Green, Rs 8,000 for Gold and Rs 20,000 for Platinum on the main card, before federal excise duty. Each is waived in full if you hit the spending target within 90 days.
What is the Bank AL Habib credit card markup rate?
25% a year on both purchases and cash, which is 2.083% a month or 0.06849% a day, worked out on 365 days.
What is the Bank AL Habib credit card late payment fee?
Rs 2,300 each time the minimum payment is not made by the due date.
How much is the Bank AL Habib cash advance fee?
Rs 1,200 per cash advance, plus markup from the day you take the cash. You can withdraw up to 60% of your limit.
What is the minimum salary for a Bank AL Habib credit card?
Rs 20,000 a month for salaried applicants and Rs 25,000 a month for self-employed applicants, with a Bank AL Habib account already open.
What is the Bank AL Habib credit card helpline?
021 111 014 014, 0800 00006 or 021 3244 6978 in Pakistan. From abroad, call +92 21 111 014 014.
How we verified this
What we checked, where we read it, and what we could not confirm.
We read Bank AL Habib's Credit Card Summary Box 2026, its credit card schedule of charges, the schedule of bank charges for July to December 2026 and the credit cards page on 9 November 2026. The markup and spending examples are our arithmetic. To compare with other banks, see the best credit cards in Pakistan by fees, and for the bank's other fees see the Bank AL Habib schedule of charges.
About the author
Senior Writer, Public Services and Technology
Shahid joined us in 2024 as an author. He is a senior contributor to Pakistan's leading technology websites. He writes detailed articles, mostly covering his expertise in the latest tech, mobiles, apps, gadgets, and step-by-step guides. His ideology is to help people understand the latest trends and explain complex methods through very easy-to-understand guides.
