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Huge Discounts and Airport Lounge Access with Credit Cards | Guide for Pakistanis

As people who travel often will agree, having the right credit card can make travel cheaper and even more luxurious. Flight and accommodation bookings also attract massive discounts and, in some cases, other benefits like entry to the airport lounge, free travel insurance, or even cash back. These cards, therefore, benefit Pakistani travellers by offering massive discounts and other travel privileges at the international level.

Quick Facts

Aspect

Details

Top Credit Cards for Pakistanis

HBL Platinum, UBL Visa Infinite, Standard Chartered World Mastercard

Airport Lounge Access

Free access to over 1,000 lounges worldwide

Savings on Flights and Hotels

Up to 30% on selected airlines and hotel chains

Annual Fees

Ranges from PKR 5,000 to PKR 20,000

Cashback Offers

Up to 5% on travel-related purchases

Popular Lounge Networks

LoungeKey, Priority Pass

Additional Benefits

Travel insurance, foreign exchange discounts

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Why Choose Credit Cards for Discounts and Lounge Access?

Credit cards are primarily payment instruments, but being a loyal traveller will give you access to many benefits. These credit cards feature air travel and accommodation rewards, including cheap airline tickets, hotels and luxury access to airport lounges. To give some examples, they were created to deliver outstanding utility for business travellers and tourists. Their utilisation in travel can benefit Pakistanis by cutting expenses and improving comfort throughout a trip.

What are Top Credit Cards Offering Lounge Access and Discounts?

Credit Card

Main Benefits

Annual Fee

Lounge Access

HBL Platinum Credit Card

Access to 1,000+ lounges, discounts on flights/hotels

PKR 10,000

Priority Pass

UBL Visa Infinite

Complimentary lounge access, hotel/flight discounts

PKR 20,000

LoungeKey

Standard Chartered World Mastercard

Free lounge access, cashback on travel expenses

PKR 12,000

LoungeKey, 25 lounges globally

MCB Lite Card

Travel discounts, limited lounge access

PKR 5,000

Access to selected lounges

Faysal Bank Titanium Card

Hotel and flight discounts, complimentary lounge access

PKR 8,000

LoungeKey

How do you get airport lounge access with credit cards?

Step

Details

Step 1: Choose the Right Credit Card

Select a card that offers complimentary lounge access, such as HBL Platinum or UBL Visa Infinite.

Step 2: Enroll in Lounge Program

Many credit cards partner with lounge access programs like LoungeKey or Priority Pass. You may need to activate lounge access online.

Step 3: Present Your Card at the Lounge

Show your eligible credit card at participating lounges. Some lounges require a digital Priority Pass.

Step 4: Enjoy Complimentary Services

Most lounges provide free Wi-Fi, snacks, drinks, and comfortable seating. Premium lounges may also offer showers and private spaces.

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What are Popular Airlines Offering Discounts via Credit Cards?

Airline

Discount

Eligible Credit Cards

Qatar Airways

Up to 20% off student and business fares

UBL Visa Infinite, HBL Platinum

Emirates

Up to 15% off selected flights

Standard Chartered World Mastercard, UBL Visa

Turkish Airlines

10% discount on international flights

HBL Platinum, Faysal Bank Titanium

Etihad Airways

Exclusive student deals, 10% off economy class

HBL Platinum, Standard Chartered Mastercard

What are Popular Hotels Offering Discounts via Credit Cards?

Hotel Chain

Discount

Eligible Credit Cards

Accor Hotels

Up to 20% off on selected stays

HBL Platinum, Standard Chartered Mastercard

Hilton

Up to 15% off on select locations

UBL Visa Infinite, HBL Platinum

Marriott

Special discounts in select cities

Standard Chartered Mastercard, HBL Platinum

Holiday Inn

10% off for credit cardholders

UBL Visa Infinite, Faysal Bank Titanium

What are Additional Perks with Credit Cards for Pakistanis?

Complimentary Travel Insurance

Most credit cards offer free travel insurance, covering trip cancellations, lost baggage, and medical emergencies, providing peace of mind while traveling abroad.

Foreign Exchange Discounts

Many cards offer competitive foreign exchange rates, allowing you to save money when making international purchases or withdrawing cash abroad.

Concierge Services

High-end credit cards, like UBL Visa Infinite, include 24/7 concierge services to assist with travel bookings, reservations, and even exclusive event access.

What are the Secret Tips for Maximizing Credit Card Benefits for Pakistanis?

Use Lounge Access During Layovers

If you have a long layover, take advantage of your credit card’s lounge access to enjoy free Wi-Fi, snacks, and comfortable seating.

Book Flights and Hotels Through Partner Sites

Many credit cards offer greater discounts when booking via their partner websites, giving you exclusive deals not available to the general public.

Take Advantage of Cashback Offers

Credit cards like Standard Chartered World Mastercard offer up to 5% cashback on travel-related purchases, maximizing your savings on airfare and hotel bookings.

Check for Seasonal Promotions

Keep an eye out for seasonal promotions offered by credit cards, as they can provide extra discounts or bonuses on travel expenses.

Earn Loyalty Points

Join loyalty programs of airlines or hotels to double your rewards and get extra points by using your credit card for bookings.

How do I apply for a credit card as a Pakistani?

Step

Details

Step 1: Choose a Credit Card

Research cards that offer the benefits you need, such as discounts and lounge access.

Step 2: Check Eligibility

Make sure you meet the requirements for the card (e.g., income level, credit score).

Step 3: Apply Online or at a Bank

Submit your application online or visit the bank to apply for the credit card.

Step 4: Activate and Start Using

Once approved, activate your card and start using it to enjoy travel perks.

Frequently Asked Question

Which credit card offers the best lounge access for Pakistanis?

The HBL Platinum Credit Card and UBL Visa Infinite provide free access to over 1,000 airport lounges worldwide.

Do credit cards offer discounts on flights and hotels?

Yes, most travel-focused credit cards, including the Standard Chartered World Mastercard and UBL Visa Infinite, provide up to 20% off flights and hotels.

Yes, cards like Standard Chartered World Mastercard offer up to 5% cashback on travel-related purchases, such as flights, hotels, and car rentals.

Yes, airlines such as Qatar Airways, Emirates, and British Airways offer exclusive discounts for students.

What is Priority Pass, and how does it work?

Priority Pass is a program that offers access to over 1,000 airport lounges worldwide. Many Pakistani credit cards provide free Priority Pass membership.

Travel credit cards offer competitive foreign exchange rates, allowing you to purchase abroad with minimal fees.

There is generally no limit to how many times you can use your card as long as it is valid and you meet the eligibility requirements.

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