Credit Cards & Insurance · Money
No Meezan Bank credit card is in its July–December 2026 schedule. The Islamic credit cards you can get: Standard Chartered Saadiq and Faysal Noor, with fees.
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Meezan Bank's July to December 2026 schedule of charges lists debit cards only, so there is no Meezan Bank credit card yet. Meezan told analysts in 2026 that a Charge Card is in soft launch and an Islamic Financing Card is in development, with a full launch expected in 2027. BankIslami's schedule also lists no credit card. The Islamic credit cards with published fees are Standard Chartered Saadiq Platinum (Rs 20,000 a year, up to 45% profit) and Faysal Islami Noor (Rs 6,500 to Rs 26,000, 43% to 45%).
There is no Meezan Bank credit card to apply for. Meezan’s schedule of charges for 1 July to 31 December 2026 lists only debit cards. In 2026 Meezan told analysts that a Meezan Charge Card is in soft launch, with a full launch expected in 2027. If you want a Shariah-based credit card now, the two with published fees are Standard Chartered Saadiq Platinum and the Faysal Islami Noor Card.
Islamic credit cards with published fees
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Standard Chartered Saadiq Mastercard Platinum and Faysal Islami Noor Card, from each bank's July to December 2026 documents. Meezan and BankIslami list debit cards only.
No, as of its July to December 2026 schedule of charges, which we read on 22 October 2026. The card section lists Visa, Mastercard and PayPak debit cards, from Classic (Rs 3,500 a year) to Visa Infinite (Rs 45,000 a year). There is no credit card, so there’s no Meezan credit card limit, annual fee or online application yet.
Meezan is the largest Islamic bank by branches, with 1,150 as of 30 June 2026, according to the State Bank’s Islamic Banking Bulletin. For its accounts and debit cards, see Meezan Bank accounts.
Meezan’s management described two card products at its 2026 analyst briefing, TechJuice reported on 12 August 2026:
Both have Shariah approval, and Meezan expects a full commercial launch in 2027, depending on finishing development and rollout. The bank said they will work differently from conventional credit cards. No fees, limits or eligibility rules had been published as of 22 October 2026.
No. BankIslami’s schedule of bank charges for 1 July to 31 December 2026 lists only debit cards: Classic, Gold, Titanium, Platinum, World and World Elite Debit Mastercard, plus PayPak. Annual fees run from Rs 2,200 (PayPak) to Rs 40,000 (World Elite).
We found two Islamic credit cards with published fees. Figures are from each bank’s documents for July to December 2026.
| Standard Chartered Saadiq Platinum | Faysal Islami Noor Card | |
|---|---|---|
| Structure | Commodity Murabaha (the bank sells you a commodity, plastic resin) | Islamic card; the Key Facts Statement uses Musawamah terms |
| Annual fee (basic) | Rs 20,000 | Rs 6,500 (Velocity) to Rs 26,000 (World) |
| Supplementary card | Rs 9,000 | Rs 1,600 to Rs 12,500 |
| Fee waiver | First year reversed on Rs 2 lakh spend or 70% of your limit in 3 months | Reversed on Rs 20,000 to Rs 4 lakh spend in 60 days, but Rs 600 to Rs 2,500 is still charged |
| Profit on unpaid balance | Up to 45% a year (3.75% a month) | 43% to 45% a year, by job type |
| Maximum limit | Rs 60 lakh | Rs 70 lakh |
| Foreign transactions | Re 1 per US dollar plus up to 5% | 4.5% |
| Late payment | Rs 2,000 or 10% of minimum due, paid to charity | Rs 2,500 Musawamah charge |
Choose Saadiq if you want one card with cashback and lounges. Standard Chartered’s page lists 5% cashback on dining, groceries and online shopping, up to Rs 1,000 a month, and access to 25+ international lounges.
Choose Noor if you want a lower fee. Velocity costs Rs 6,500 a year, and Faysal is a full Islamic bank with 900 branches (State Bank, June 2026).
For every Noor card type, see Faysal Bank credit cards. For Saadiq next to Standard Chartered’s other cards, see Standard Chartered credit cards.
The difference is in the contract behind the card:
An Islamic card still costs money if you don’t pay in full: 43% to 45% a year on these two. Compare that with conventional cards in our credit cards compared table. For the wider differences, see Islamic vs conventional banking.
We couldn’t check Dubai Islamic Bank Pakistan: its website showed a bot check when we tried on 22 October 2026. Search results showed only its debit cards, so it isn’t in the table.
HBL Microfinance Bank, a separate bank from HBL, plans PayPak credit cards in conventional and Islamic versions, Arab News reported. As of 29 September 2026, no application date, limits or charges had been announced.
More guides: credit cards compared, how to apply for a credit card, JS Bank credit cards, Meezan Bank accounts, Money.
No. Meezan's schedule of charges for July to December 2026 lists debit cards only. Meezan told analysts in 2026 that a Meezan Charge Card is in soft launch and an Islamic Financing Card is in development, with a full launch expected in 2027 (TechJuice, 12 Aug 2026).
BankIslami's schedule of charges for July to December 2026 lists debit cards only, from Classic to World Elite Mastercard plus PayPak. It shows no credit card.
We found two with published fees: Standard Chartered Saadiq Mastercard Platinum (Rs 20,000 a year, up to 45% profit) and the Faysal Islami Noor Card (Rs 6,500 to Rs 26,000 a year, 43% to 45% profit). Both figures are for July to December 2026.
Standard Chartered says Saadiq late charges of Rs 2,000 or 10% of the minimum due, whichever is higher, are paid out in charity under its Shariah Board's policy. Faysal calls its Rs 2,500 late charge a Musawamah charge.
Photo by Андрей Сизов on Unsplash
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