Credit Cards & Insurance · Money
Faysal Bank credit card fees for July–December 2026: Noor Velocity to World annual fees, fee reversal spend, 43–45% profit, 4.5% foreign charge and limits.
AI Summary
Faysal Bank's credit card is the Islami Noor Card, in five types: Velocity, Gold, Titanium, Platinum and World. As of the July to December 2026 Key Facts Statement, annual fees run from Rs 6,500 to Rs 26,000. They are reversed if you spend Rs 20,000 to Rs 400,000 within 60 days, but a reduced fee of Rs 600 to Rs 2,500 still applies. Profit on unpaid balances is 43% to 45% a year, international use costs 4.5%, and limits go up to Rs 70 lakh.
A Faysal Bank credit card is the Faysal Islami Noor Card, a Mastercard in five types: Velocity, Gold, Titanium, Platinum and World. As of Faysal’s July to December 2026 Key Facts Statement (KFS), the annual fee runs from Rs 6,500 to Rs 26,000. Faysal reverses most of it if you spend enough within 60 days, but a small fee still applies. Any balance you don’t pay in full costs 43% to 45% a year in profit.
Cost of carrying a balance on a Noor card
43% to 45% a year
43% for salaried customers at approved employers, 44% for other salaried customers, 45% for the self-employed. From Faysal's Key Facts Statement for July to December 2026.
Faysal Bank is a full Islamic bank: SBP lists it among the full-fledged Islamic banks, with 900 branches as of June 2026. So the Noor card works like a credit card, but its paperwork uses Islamic terms. The cost is called “profit” and the late payment charge is a “Musawamah” charge.
All figures below are from the Noor Card KFS for July to December 2026.
| Velocity | Gold | Titanium | Platinum | World | |
|---|---|---|---|---|---|
| Annual fee (basic card) | Rs 6,500 | Rs 11,000 | Rs 13,000 | Rs 19,000 | Rs 26,000 |
| Spend within 60 days to reverse it | Rs 20,000 | Rs 30,000 | Rs 40,000 | Rs 200,000 | Rs 400,000 |
| Fee you still pay after reversal | Rs 600 | Rs 900 | Rs 1,100 | Rs 2,100 | Rs 2,500 |
| Supplementary card fee | Rs 1,600 | Rs 2,000 | Rs 4,000 | Rs 6,000 | Rs 12,500 |
| Cash withdrawal limit | Rs 25,000 | Rs 25,000 | Rs 25,000 | Rs 35,000 | Rs 50,000 |
The cash limit is the figure shown or 10% of your card limit, whichever is lower. Government taxes, FED and provincial sales tax come on top of every charge, and Faysal says they are not reversible.
The annual fee is charged only once you activate the card. It appears on your first statement, and you have to pay it to avoid a late charge. If you then spend the amount in the table within 60 days, call Faysal’s contact centre on 111-06-06-06. The fee is reversed on a later statement, minus the reduced fee.
Our example: on a Titanium card, spend Rs 40,000 within 60 days and the Rs 13,000 fee comes back, but Rs 1,100 stays. Utility bill payments made with the card don’t count towards the spend.
Supplementary cards have their own reversal spend: Rs 10,000 (Velocity), Rs 15,000 (Gold), Rs 20,000 (Titanium), Rs 25,000 (Platinum) and Rs 50,000 (World), within 60 days.
Faysal decides your card type and limit from your income documents and debt burden ratio. Its KFS says the sales representative can’t promise a limit. On the published terms, three things matter:
Faysal’s terms also mention a Noor Flexi Card, which has no installment plan and no Smile Points rewards. The KFS doesn’t give its fees, so ask the bank. To compare Faysal with other banks, see credit cards compared.
| Who you are | Profit a month | Profit a year (APR) |
|---|---|---|
| Salaried, approved employer | 3.58% | 43% |
| Salaried, other employer | 3.67% | 44% |
| Self-employed | 3.75% | 45% |
The same rate applies to purchases and cash withdrawals. Faysal works out profit daily: outstanding balance × APR ÷ 365.
If you pay the full bill by the due date, you pay no profit, and you get up to 50 days without profit on purchases and cash withdrawals. Pay only the minimum or part of the bill, and profit runs from each transaction’s date.
Our calculation: carrying Rs 50,000 for 30 days at 43% costs about Rs 1,767 in profit.
The minimum payment adds up four parts:
Your payment due date is 19 days after the statement date. You can choose a billing date of the 2nd, 8th, 10th, 15th, 20th or 25th of the month through the contact centre. Payments clear fees and taxes first, then the late charge, then profit, installments and finally what you spent.
| Charge | Fee (July to December 2026) |
|---|---|
| International card use (including DCC transactions) | 4.5% of the amount |
| Installment plan processing | Rs 1,500 per request |
| Profit on an installment plan | 2% a month of the booked amount |
| Card replacement | Rs 1,500 |
| Chip maintenance fee | Rs 1,500 a year (primary), Rs 1,000 (supplementary) |
| Card upgrade | Rs 4,500 (Gold) to Rs 10,000 (World) |
| Off-net ATM cash withdrawal | Rs 35 per transaction |
| SMS alerts for digital transactions | Free |
| Premium SMS for other alerts | Rs 340 a month or Rs 2,800 a year, plus tax |
| Cheque return | Rs 1,250 |
Installment plans are booked by calling 111-06-06-06, with a minimum of Rs 5,000. For how installment plans compare across banks, see credit card installment plans.
Yes. The KFS asks you to choose whether to turn on cross-border use, and you can ask the contact centre to block it later. Each international transaction costs 4.5%, and any exchange-rate difference is charged to you. SBP’s limit of US$30,000 a year applies across all your cards.
Banks also collect advance income tax on card payments abroad: 0.5% if you’re on FBR’s Active Taxpayer List and 1% if you’re not. See filer vs non-filer.
Because it’s an Islamic card, Faysal blocks some merchant types. These include gambling, lotteries, bars and nightclubs, liquor stores, dating services, cinemas, music stores, massage parlours and quasi-cash merchants. For Netflix and other subscriptions, see how to pay for Netflix and ChatGPT from Pakistan.
Noor cards, except the Flexi card, earn Smile Points. You redeem them at Faysal’s partner outlets. Faysal’s terms also describe “Eternal Rewards”: the bank may give your points to charity every quarter, as Sadqa, on your behalf. That donation doesn’t count as Zakat. Faysal’s KFS doesn’t publish how many points you earn per rupee.
The card also comes with takaful cover from EFU Life, with Faysal acting as agent. It includes life cover, disability and critical illness. To enrol you must be 18 to 69, and supplementary cardholders aren’t covered.
Delivery takes about 15 days from a complete application, and the card is valid for 3 years. For what banks check in general, see how to apply for a credit card.
More guides: credit cards compared, Askari Bank credit cards, Meezan vs other banks, Islamic vs conventional banking, Money.
It works like one: you get a credit limit, a monthly statement and up to 50 days without profit if you pay the full bill on time. Faysal is an Islamic bank, so the card runs on a Musawamah structure and the cost of an unpaid balance is called profit, at 43% to 45% a year.
As of the July to December 2026 Key Facts Statement, the basic card costs Rs 6,500 (Velocity) to Rs 26,000 (World) a year. It is reversed if you spend Rs 20,000 to Rs 400,000 within 60 days, but a reduced fee of Rs 600 to Rs 2,500 is still charged.
Up to Rs 70 lakh. Faysal sets your limit and card type from your documents and debt burden ratio, and its sales staff can't promise a limit before approval.
This month's accrued profit, plus Rs 1,000 or 5% of the fees (whichever is higher), plus Rs 500 or 5% of the remaining balance (whichever is higher), plus any installment due.
Rs 25,000 or 10% of your limit, whichever is lower, on Velocity, Gold and Titanium. Platinum allows Rs 35,000 and World Rs 50,000, each capped at 10% of the limit.
Photo: Sareena Moin / CC BY-SA 4.0
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