# Airport lounge access cards in Pakistan: which debit and credit cards get you in

URL: https://which.pk/money/guides/lounge-access-cards-pakistan/
Author: Hassam
Updated: 18 Oct 2026

## Summary

Several Pakistani debit cards, not only credit cards, give airport lounge access. Meezan's Visa Platinum debit card (Rs 10,000 a year) gives unlimited CIP lounge visits at Karachi, Lahore, Islamabad, Multan and Sialkot, usually with a guest. Meezan World and Infinite, HBL World, MCB Signature and Allied Visa Premium debit cards add 1,100 to 1,200+ lounges abroad, some capped at 8 or 12 visits a year. Most Platinum credit cards allow 6 visits abroad a year. Pakistani CIP lounges are mostly for international departures.

## Key facts

- Meezan Visa Platinum debit: Unlimited CIP lounges, Rs 10,000/yr
- Visits abroad, Platinum credit cards: Usually 6 a year
- MCB Signature debit: 12 visits a year
- Allied Visa Premium debit: 8 visits a year

You don't need a credit card for airport lounges: several debit cards in Pakistan work as a lounge access card. The lowest published fee we found for a card with unlimited visits is **Meezan Bank's Visa Platinum debit card at Rs 10,000 a year**. It gets you into CIP lounges at Karachi, Lahore, Islamabad, Multan and Sialkot, usually with a guest. For lounges abroad, most Platinum credit cards allow **6 free visits a year**. Figures are from the banks' own pages, as of October 2026.

CIP lounges are the lounges at Pakistani airports that banks give their cardholders. Most of the ones on Meezan's list are past immigration, in international departures.

**Meezan Visa Platinum debit card:** Unlimited CIP lounge visits, Rs 10,000 a year (Karachi, Lahore, Islamabad, Multan (cardholder + 1 guest) and Sialkot (cardholder only). Meezan schedule of charges, July–December 2026)

## Which debit cards give lounge access in Pakistan?

| Debit card | Annual fee | Pakistani lounges | Lounges abroad |
|---|---|---|---|
| **Meezan Visa Platinum** | Rs 10,000 | Unlimited: Karachi, Lahore, Islamabad, Multan (+1 guest), Sialkot | None listed |
| **Meezan Mastercard World** | Rs 27,500 | Not listed | 1,200+ lounges through Mastercard Travel Pass |
| **Meezan Visa Infinite** | Rs 45,000 | Unlimited; +1 guest and 2 children at Karachi | 1,200+ lounges, unlimited, +1 guest |
| **HBL World** | Rs 20,000 | CIP, Majestic, D-Prestige, Sialkot and PIA lounges, +1 guest | 1,100+ lounges through Mastercard Airport Pass |
| **HBL Titanium** | Not checked | Same Pakistani lounges as HBL World, +1 guest | None listed |
| **UBL Visa Infinite** | Not checked | CIP lounges in 7 cities, no guest | Not listed |
| **UBL Mastercard Signature** | Not checked | CIP lounges in 7 cities, no guest | Not listed |
| **MCB Visa Signature** | Not checked | Rs 1 a visit | 1,200+ lounges, up to 12 visits a year |
| **Allied Visa Premium** | Not checked | Karachi, Lahore, Islamabad, Multan (international departures, +1 guest) | 1,200+ lounges, 8 visits a year |

Fees are from the banks' July–December 2026 schedules of charges; HBL's exclude FED. Meezan charges the annual fee only on activated cards.

MCB's debit card page also lists "complimentary lounge access" on its **Visa Platinum debit card** but gives no terms. Allied Bank says its **Visa Infinite debit card** covers lounges in Pakistan and abroad, for customers with a qualifying premium account.

### Meezan debit cards need a minimum balance

Meezan issues the **World debit card** only if you deposit or keep an average of **Rs 5 lakh**, and the **Visa Infinite** only at **Rs 10 lakh**. The annual fee is waived for Premium customers: Rs 50 lakh in current accounts for World, and Rs 1.5 crore for Infinite. HBL describes its World debit card as designed for high net worth customers.

From 1 June to 31 December 2026, Meezan World debit cardholders can use lounges abroad **without any spending requirement**. Meezan asks you to tell the bank about your trip **one day before departure** on 111-331-331.

**HBL's page contradicts itself:** HBL's lounge table lists its World Elite, World and Titanium debit cards with 1 guest at each Pakistani lounge. Its terms below the table say the privilege is for Platinum and Gold credit cardholders only. Check with HBL before you rely on a debit card at the lounge door.

## Which credit cards give airport lounge access?

| Credit card | Pakistani lounges | Lounges abroad |
|---|---|---|
| **HBL Platinum** | CIP and Karachi lounges, +1 guest | 6 visits a year; extra visits US$32 |
| **HBL Gold** | CIP and Karachi lounges, cardholder only | Not listed |
| **MCB Platinum** | Rs 1 a visit | 6 visits a year |
| **UBL Platinum** | International departures only, no guest | Priority Pass on request |
| **Allied Bank Platinum** | Lahore, Islamabad, Faisalabad, Peshawar, Multan | 6 LoungeKey visits a year |
| **Bank Alfalah Platinum** | Lahore, Islamabad, Multan, Sialkot, Majestic Karachi, +1 guest | 6 visits a year |
| **Standard Chartered Platinum** | Not listed | 25+ lounges, 6 visits a year |
| **Standard Chartered World** | Not listed | 1,000+ lounges, 12 visits a year |
| **Askari Platinum** | All Pakistani airports, international travel, +1 guest, Rs 1 a person | Business lounges |
| **Askari World** | Same, +2 guests, and selected airports on domestic travel | Business lounges |

For annual fees, markup and foreign charges on these cards, see [credit cards in Pakistan compared](/money/guides/credit-cards-pakistan-compared/).

## Which card gets me into the lounge at Lahore, Karachi or Islamabad?

Most cards above cover the CIP lounges at **Lahore, Islamabad and Karachi**. For the smaller airports:

- **Multan:** Meezan Visa Platinum, Allied Visa Premium, UBL Infinite and Signature, Allied Bank Platinum, Bank Alfalah Platinum.
- **Sialkot:** Meezan Visa Platinum (cardholder only), HBL debit and credit cards, UBL, Bank Alfalah Platinum.
- **Peshawar and Faisalabad:** UBL Infinite and Signature debit (domestic lounge), Allied Bank Platinum credit.
- **Quetta:** UBL Infinite and Signature debit, UBL Platinum credit.

Askari's Platinum and World credit cards list lounges at all Pakistani airports on international travel.

## Can I use the lounge on a domestic flight?

Usually not. HBL's terms say its lounges are for **international flights only**, and Allied Bank's domestic access is for international departures. UBL's Platinum credit card is limited to international travel.

The exceptions we found: UBL's **Infinite and Signature debit cards** list domestic CIP lounges in Lahore, Multan, Peshawar, Faisalabad, Quetta and Islamabad, and **Askari World** covers selected airports on domestic travel. Meezan's Multan lounge is in the domestic departures area.

## How do I use lounges abroad?

Abroad, most cards work through an app:

- **Visa Airport Companion:** HBL Platinum, MCB Platinum and Signature, Allied Visa Premium and Bank Alfalah Platinum. You register in the app with your card details before you travel.
- **Mastercard Travel Pass or Airport Pass:** Meezan World, HBL World and Standard Chartered Platinum.

Watch the spending conditions:

- **MCB** and **Bank Alfalah Platinum:** you need **USD 5** of international spending in the 90 days before the visit.
- **Allied Visa Premium:** the first visit each year is free; the other 7 unlock after one international or online foreign payment of **USD 1**. It can take up to 10 days to register, so pay at least 10 days before you fly. Visits reset on 1 January.

Allied Bank also asks you to switch on online transactions for the card in myABL. All card spending abroad, debit and credit together, is capped at **USD 30,000 a year** per person by the State Bank. Before you fly, see [travel insurance in Pakistan](/money/guides/travel-insurance-pakistan/) and [visa-free countries for Pakistanis](/travel/guides/visa-free-countries-pakistan/).

## Can I take a guest?

| Card | Guest at Pakistani lounges |
|---|---|
| Meezan Visa Platinum debit | 1 (not at Sialkot) |
| Meezan Visa Infinite debit | 1 and 2 children up to age 12 at Karachi (other lounges not stated) |
| HBL World and Titanium debit, HBL Platinum credit | 1 |
| HBL Gold credit | None |
| UBL Infinite and Signature debit, UBL Platinum credit | None |
| Allied Visa Premium debit | 1 |
| Askari Platinum / World credit | 1 / 2 |

Abroad, guests cost extra where the bank says so: HBL charges US$32 a guest per visit, and Allied Bank charges guest visits to your card.

**More guides:** [Cards & Insurance](/money/cards-insurance/) · [Credit cards compared](/money/guides/credit-cards-pakistan-compared/) · [Meezan Bank accounts](/money/guides/meezan-bank-accounts/) · [HBL credit cards](/money/guides/hbl-credit-cards/) · [MCB credit cards](/money/guides/mcb-credit-cards/) · [Passport fee in Pakistan](/travel/guides/passport-fee-pakistan/) · [Money](/money/)

## Questions people ask

### Which debit card gives lounge access in Pakistan?

Meezan Visa Platinum, World and Infinite, HBL World and Titanium, UBL Infinite and Signature, MCB Signature and Allied Visa Premium debit cards all list airport lounge access, as of October 2026. Each covers different lounges, with different guest rules and visit caps.

### Does Meezan Bank debit card give airport lounge access?

Yes, on three cards. The Visa Platinum debit card (Rs 10,000 a year) gives unlimited visits to CIP lounges at Karachi, Lahore, Islamabad, Multan and Sialkot. The Mastercard World (Rs 27,500) and Visa Infinite (Rs 45,000) debit cards add 1,200+ lounges abroad.

### Can I take a guest into the lounge?

It depends on the card. Meezan Visa Platinum debit and HBL's World and Titanium debit cards allow 1 guest at most Pakistani CIP lounges. UBL's Infinite and Signature debit cards and its Platinum credit card don't allow a guest.

### Can I use a CIP lounge on a domestic flight?

Usually not. HBL's and Allied Bank's lounge terms cover international departures only. UBL's Infinite and Signature debit cards also list domestic CIP lounges in six cities, and Meezan's Multan lounge is in domestic departures.

### Which credit card is best for airport lounge access in Pakistan?

For lounges abroad, Standard Chartered World allows 12 visits a year and most Platinum cards (HBL, MCB, Allied Bank, Bank Alfalah, Standard Chartered) allow 6. For Pakistani CIP lounges with a guest, Askari World allows 2 guests and Bank Alfalah Platinum 1.

## Sources

- [Meezan Visa Platinum Debit Card](https://www.meezanbank.com/visa-platinum-debit-card/), Meezan Bank (accessed 18 Oct 2026)
- [Meezan World Debit Card](https://www.meezanbank.com/world-debit-card/), Meezan Bank (accessed 18 Oct 2026)
- [Meezan Visa Infinite Debit Card](https://www.meezanbank.com/visa-infinite-debit-card/), Meezan Bank (accessed 18 Oct 2026)
- [Schedule of Charges, July to December 2026](https://www.meezanbank.com/wp-content/themes/mbl/downloads/home-downloads/SOC-ENG-Jul-Dec-2026.pdf), Meezan Bank (accessed 18 Oct 2026)
- [Complimentary Lounge Access](https://www.hbl.com/personal/cards/complimentary-lounge-access), HBL (accessed 18 Oct 2026)
- [HBL World DebitCard](https://www.hbl.com/personal/cards/debit-cards/hbl-world-debitcard), HBL (accessed 18 Oct 2026)
- [Schedule of Bank Charges, July to December 2026](https://www.hbl.com/assets/documents/Schedule_of_Bank_Charges_for_July_to_December_2026_%E2%80%93_English.pdf), HBL (accessed 17 Oct 2026)
- [Domestic & International Lounges Offer](https://ubldigital.com/Domestic-and-International-LoungesOffer), UBL (accessed 18 Oct 2026)
- [MCB Visa Signature Debit Card](https://www.mcb.com.pk/privilege/privilege_cards/privilege_debit_card/mcb-visa-signature-debit-card), MCB Bank (accessed 18 Oct 2026)
- [MCB Debit Cards](https://www.mcb.com.pk/personal/cards/debit-cards), MCB Bank (accessed 18 Oct 2026)
- [Travel Advisory, MCB Cards](https://www.mcb.com.pk/assets/documents/Travel-Advisory-MCB-Cards.pdf), MCB Bank (accessed 18 Oct 2026)
- [Allied Visa Premium Debit Card](https://abl.com/personal/cards/debit-cards/visa-premium-debit-card-2), Allied Bank (accessed 18 Oct 2026)
- [Allied Bank cards: complete guide](https://www.abl.com/allied-bank-cards/), Allied Bank (accessed 18 Oct 2026)
- [HBL Platinum CreditCard](https://www.hbl.com/personal/cards/credit-cards/platinum-credit-card), HBL (accessed 15 Oct 2026)
- [MCB Platinum Credit Card](https://www.mcb.com.pk/personal/cards/credit-cards/platinum-credit-card), MCB Bank (accessed 16 Oct 2026)
- [UBL Visa Platinum](https://ubldigital.com/Loans/Cards-Products/UBL-Credit-Card/UBL-Platinum), UBL (accessed 16 Oct 2026)
- [Credit cards in Pakistan: Allied Bank](https://www.abl.com/credit-cards-in-pakistan-allied-bank/), Allied Bank (accessed 8 Oct 2026)
- [Mastercard World Credit Card](https://www.sc.com/pk/credit-cards/mastercard-world/), Standard Chartered Pakistan (accessed 16 Oct 2026)
- [Mastercard Platinum Credit Card](https://www.sc.com/pk/credit-cards/mastercard-platinum/), Standard Chartered Pakistan (accessed 16 Oct 2026)
- [Alfalah Visa Platinum Credit Card](https://www.bankalfalah.com/personal-banking/credit-cards/visa-platinum-credit-card), Bank Alfalah (accessed 15 Oct 2026)
- [Mastercard Credit Cards](https://askaribank.com/personal/cards/mastercard-credit-cards), Askari Bank (accessed 8 Oct 2026)
- [FE Circular No. 07 of 2022: Cross-border transactions through debit/credit cards](https://www.sbp.org.pk/circulars/fe-circular-no-07-of-2022), State Bank of Pakistan (accessed 8 Oct 2026)