Top 5 Platinum Credit Cards

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Need to Apply for a Platinum Credit Card
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Introduction

• Just like everything in life, credit cards have
  their pros and cons.
• Applying for one should be an informed and
  conscious decision and once obtained, credit
  cards should be used responsibly. 
• Platinum credit cards are designed to provide
  benefits that compliment ones lifestyle and come
  with above average credit limits.
• These are only available to the seasoned credit
  card users who have an established positive
  credit history, and a healthy disposable income
  (typically over Rs. 100,000).
• Having a platinum credit card is also considered
  a status symbol at least that is how most banks
  market it.
• The exclusive nature of the product means it
  offers exciting benefits, such as VIP Lounge
  Access at various airports, a more incentivized
  rewards scheme and personalized customer service.

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HBL Platinum VISA Credit Card

• As a cardholder, you are given complimentary
  access to VIP Lounges at airports across numerous
  cities internationally and locally
• HBL Platinum gives you one rewarded point for
  every PKR 25 of local spending and five points
  for every PKR 25 spent internationally.
• HBL Platinum Card users can avail discounts on
  over 50,000 hotels and retail outlets worldwide.
• As a cardholder you are also entitled to benefit
  from facilities such as Global Customer
  Assistance Services (GCAS) Emergency Services
  provided by VISA.
• They offer services such as emergency cash,
  credit card replacement worldwide and lost or
  stolen card reporting.
• No matter where you are, you are assured quality
  customer service in every situation.

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UBL Platinum VISA Credit Card

• The UBL Platinum card provides free access to CIP
  Lounges at Karachi, Lahore and Islamabad
  airports.
• The loyalty program by UBL offers an air mile for
  every PKR 50 spent locally, and three air miles
  for every PKR 50 spend abroad. These miles can be
  redeemed against a purchase of any air ticket on
  any airline.
• UBL Platinum card does offer some unique
  features, including 8 complimentary visits per
  month to Shapes Health Clubs in Karachi, Lahore
  or Multan.
• A unique feature is complimentary valet parking
  at locations such as Dolmen Mall Karachi,
  Fortress Square Mall Lahore and Shifa
  International Hospital in Islamabad.
• Lastly, like all other major credit cards, UBL
  Platinum cards also offer discounts and offers at
  various local and international establishments
  through VISA. These include restaurants, hotels,
  golf clubs, etc.

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Al Falah Platinum VISA Credit Card

• The Al Falah Platinum VISA Card provides the
  exact same lounge access benefits as UBL.
• Bank Al Falah recently revamped its reward scheme
  which is now called Orbits. The scheme combined
  all Al Falah products under one roof. Reward
  points aka Orbits can be earned via a variety
  of channels such as current accounts, loans and
  credit cards.
• Orbits are redeemed via Bank Al Falahs online
  banking portal or over the phone. They can be
  used to pay for utility bills or to buy products
  at the Orbit Mall.
• It is a VISA Platinum card, it comes with all the
  benefits of VISA GCAS as well as VISA Platinum
  Concierge services which provide assistance in
  flight reservations, hotel bookings, car rentals
  and other services around the world.
• Bank Al Falahs card also provides discount
  options at leading retailers, restaurants and
  hotels around the world similar to the other
  Platinum cards in the market.

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Faysal Bank Platinum Credit Card

• The main difference between Faysal Banks card
  and the rest is that it is a MasterCard and not
  VISA.
• It does provide you access to the CIP Lounges in
  Pakistan, and also provides a three-year
  complimentary membership of the Priority Pass
  program.
• The rewards scheme is also quite different as
  double points are up for grabs on international
  spending and these points can be redeemed at
  participating outlets or by converting them to
  Air Blue miles.
• There is also flexibility in how the points can
  be redeemed directly at retail select outlets.
• You can save up to 25 by using your Faysal Bank
  card at numerous locations which is better than
  most Platinum cards offered by other banks.

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SCB Platinum VISA World Miles Credit Cards

• Standard Chartered offers its own personalized
  customer services which includes a Platinum
  Travel Desk which assists you in finding the best
  air ticket and hotel deals.
• Standard Chartered prides itself on its discounts
  and rewards programs. It claims to provide
  discounts at more retail outlets worldwide than
  its competitors.
• Five reward points are given for every PKR 200
  spent which can be redeemed for gifts from their
  Treasures catalogue.
• The above rewards apply to the Standard Chartered
  VISA Platinum Card. They do provide another
  Platinum card which rewards customers with World
  Miles the Platinum WorldMiles.
• The WorldMiles card comes with all the other
  travel benefits mentioned above, so this scheme
  is ideal for the frequent flyer.

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Conclusion

• Your choice of Platinum card should ideally
  depend on your lifestyle.
• Have you wanted to join a gym for a while but
  think it is too expensive or cant be bothered to
  go through the process? Perhaps the UBL card is
  your best option because of complimentary access
  to Shapes.
• At the end of the day, Platinum cards are
  designed for disciplined high spenders and are
  particularly useful when purchasing an expensive
  product.
• If your normal course of business requires you to
  spend on expensive items, a Platinum card is
  surely worth it because of its benefits and the
  reward points/miles you can rack up.
• If you are eligible for a Platinum card, you are
  likely an experienced professional or business
  person with a healthy income, but it is still
  important not to get carried away by the large
  credit limits being offered and manage your
  finances responsibly, starting with paying your
  credit card bill in full every month.

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Thank You
Sumair Farooqui Co-founder CEO
Ali Ladhubhai Co-founder COO
Mobile [phone] Email
sumair.farooqui_at_karlocompare.com
Mobile [phone] Email
ali.ladhubhai_at_karlocompare.com.pk