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Which lounge access card in Pakistan gets you into CIP lounges and lounges abroad: debit and credit cards from Meezan, HBL, UBL, MCB and Allied Bank, Oct 2026.
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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.
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
| 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 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.
| 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.
Most cards above cover the CIP lounges at Lahore, Islamabad and Karachi. For the smaller airports:
Askari’s Platinum and World credit cards list lounges at all Pakistani airports on international travel.
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.
Abroad, most cards work through an app:
Watch the spending conditions:
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 and visa-free countries for Pakistanis.
| 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 · Credit cards compared · Meezan Bank accounts · HBL credit cards · MCB credit cards · Passport fee in Pakistan · Money
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.
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.
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.
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.
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.
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