Which bank has restaurant discounts?
Source: Kaunsa Card? Index, November 2026
The current catalogue includes restaurant and café offers from the banks and programmes below. The bank with the most listed places is a coverage leader in this catalogue, not automatically the bank that saves the most on your bill. Card tier, cap, branch and day can change the result.
Choose your city and restaurant or calculate savings on your bill.
Restaurant and café coverage by bank
A restaurant brand counts once for each bank, even if several cards or city records list it. The sample excludes banks with fewer than ten listed places.
| Bank or programme | Places listed | Offer records | Cards with 10+ calculable places | Example card median at Rs 5,000 |
|---|---|---|---|---|
| Askari Bank | 334 | 925 | 13 | Rs 2,000 across 255 places (Askari World Credit Card) |
| HBL Islamic | 287 | 669 | 10 | Rs 1,500 across 219 places (HBL Islamic World Elite Debit Card) |
| HBL | 286 | 767 | 16 | Rs 1,500 across 219 places (HBL Visa Infinite Credit Card) |
| Bank AL Habib | 279 | 537 | 14 | Rs 1,500 across 213 places (AL Habib Signature Debit Card) |
| Allied Bank | 252 | 662 | 17 | Rs 2,000 across 209 places (Visa Infinite Debit Card) |
| UBL | 230 | 435 | 17 | Rs 1,500 across 214 places (UBL Visa Infinite Debit Card) |
| Faysal Bank | 203 | 517 | 12 | Rs 2,000 across 139 places (Faysal Islami Priority World Debit Card) |
| Bank Alfalah | 201 | 421 | 27 | Rs 1,500 across 184 places (Bank Alfalah Islamic Premier Visa Infinite Debit Card) |
| Meezan Bank | 192 | 494 | 13 | Rs 2,000 across 183 places (Visa Infinite Debit Card) |
| MCB Bank | 173 | 430 | 8 | Rs 1,500 across 161 places (Visa Platinum Credit Card) |
| JS Bank | 172 | 525 | 14 | Rs 2,500 across 128 places (Visa Infinite Credit Card) |
| Bank of Punjab | 164 | 509 | 10 | Rs 2,500 across 150 places (Mastercard World Credit Card) |
| Al Baraka Bank | 133 | 156 | 10 | Rs 1,250 across 83 places (Mastercard Platinum Debit Card) |
| Dubai Islamic Bank Pakistan | 117 | 688 | 0 | Insufficient calculable sample |
| MCB Islamic | 111 | 345 | 11 | Rs 2,000 across 75 places (Visa Platinum Business Debit Card) |
| HabibMetro | 100 | 264 | 4 | Rs 1,500 across 17 places (Visa Platinum Debit Card) |
| Soneri Bank | 82 | 295 | 0 | Insufficient calculable sample |
| JazzCash | 55 | 55 | 4 | Rs 1,000 across 21 places (JazzCash Women Debit Card) |
| National Bank of Pakistan | 50 | 52 | 4 | Rs 2,000 across 35 places (Aitemaad UnionPay Classic Debit Card) |
| BankIslami | 27 | 36 | 1 | Rs 750 across 15 places (PayPak Debit Card) |
| Easypaisa | 27 | 28 | 1 | Rs 750 across 15 places (Paypak Debit Card) |
| PayPak | 17 | 47 | 5 | Rs 1,500 across 17 places (PayPak Edge Card) |
| Standard Chartered | 15 | 15 | 1 | Rs 750 across 15 places (Paypak Standard Debit Card) |
| Onic | 13 | 17 | 0 | Insufficient calculable sample |
Best bank for discounts beyond restaurants
“Best bank discounts in Pakistan” is not only about food. The table below covers every non-dining category: clothing, health, travel, groceries, electronics, education and more. Places count once per bank; the example card is ranked by median estimated saving on a Rs 5,000 non-dining bill with a stated cap, across at least ten calculable places.
| Bank or programme | Non-dining places | Categories | Largest categories | Offers with a stated cap | Top non-dining card at Rs 5,000 |
|---|---|---|---|---|---|
| Faysal Bank | 229 | 13 | Services (120), Sports & entertainment (29), Lifestyle & shopping (24) | 55% | Faysal Islami Priority World Debit Card: Rs 1,500 (34 places) |
| Bank AL Habib | 181 | 12 | Salon & self-care (43), Sports & entertainment (36), Health & medical (27) | 65% | Bank AL Habib AL Habib Signature Debit Card: Rs 1,250 (52 places) |
| Askari Bank | 172 | 12 | Sports & entertainment (40), Health & medical (27), Services (26) | 82% | Askari Visa Signature Debit Card: Rs 2,000 (57 places) |
| UBL | 138 | 11 | Sports & entertainment (34), Health & medical (31), Lifestyle & shopping (19) | 79% | UBL Visa Infinite Debit Card: Rs 1,500 (87 places) |
| JazzCash | 130 | 10 | Other (60), Health & medical (26), Lifestyle & shopping (16) | 18% | Insufficient calculable sample |
| HBL Islamic | 126 | 10 | Services (30), Sports & entertainment (29), Lifestyle & shopping (22) | 74% | HBL Islamic World Elite Debit Card: Rs 1,250 (72 places) |
| Al Baraka Bank | 124 | 12 | Sports & entertainment (39), Health & medical (21), Lifestyle & shopping (19) | 48% | Al Baraka Bank Mastercard Platinum Debit Card: Rs 1,250 (54 places) |
| Allied Bank | 123 | 10 | Salon & self-care (25), Sports & entertainment (25), Lifestyle & shopping (23) | 77% | Allied Bank Visa Infinite Debit Card: Rs 1,500 (53 places) |
| HBL | 122 | 10 | Sports & entertainment (29), Services (29), Lifestyle & shopping (20) | 78% | HBL World Elite Debit Card: Rs 1,250 (74 places) |
| Bank Alfalah | 111 | 12 | Sports & entertainment (28), Health & medical (21), Services (21) | 86% | Bank Alfalah Islamic Premier Visa Signature Debit Card: Rs 1,250 (65 places) |
| Meezan Bank | 109 | 10 | Sports & entertainment (39), Services (23), Health & medical (17) | 85% | Meezan Bank Visa Infinite Debit Card: Rs 1,250 (57 places) |
| JS Bank | 79 | 7 | Sports & entertainment (30), Lifestyle & shopping (17), Health & medical (13) | 94% | JS Bank Visa Infinite Credit Card: Rs 2,000 (40 places) |
| Bank of Punjab | 75 | 10 | Sports & entertainment (23), Health & medical (14), Lifestyle & shopping (9) | 89% | Bank of Punjab Mastercard World Credit Card: Rs 2,500 (35 places) |
| Dubai Islamic Bank Pakistan | 75 | 11 | Lifestyle & shopping (23), Sports & entertainment (16), Health & medical (9) | 0% | Insufficient calculable sample |
| Soneri Bank | 67 | 9 | Lifestyle & shopping (24), Sports & entertainment (11), Health & medical (10) | 0% | Insufficient calculable sample |
| MCB Islamic | 66 | 10 | Health & medical (19), Lifestyle & shopping (16), Sports & entertainment (12) | 76% | MCB Islamic UnionPay Platinum Debit Card: Rs 1,250 (10 places) |
| MCB Bank | 62 | 8 | Sports & entertainment (18), Health & medical (14), Services (11) | 85% | MCB Bank Visa Signature Debit Card: Rs 2,000 (25 places) |
| HabibMetro | 44 | 8 | Sports & entertainment (25), Salon & self-care (5), Hotel & travel (4) | 13% | Insufficient calculable sample |
| BankIslami | 32 | 5 | Health & medical (16), Sports & entertainment (6), Lifestyle & shopping (4) | 36% | Insufficient calculable sample |
| Easypaisa | 23 | 7 | Other (9), Sports & entertainment (8), Lifestyle & shopping (2) | 59% | Insufficient calculable sample |
| Onic | 19 | 10 | Online Stores (3), Salon & self-care (2), Sports & entertainment (2) | 0% | Insufficient calculable sample |
| National Bank of Pakistan | 10 | 4 | Sports & entertainment (6), Salon & self-care (2), Grocery (1) | 100% | Insufficient calculable sample |
A bank strong at restaurants is not always strong elsewhere: compare its position in both tables. At most banks in the current catalogue, non-dining offers state a cap less often than restaurant offers, so fewer of them can be turned into a rupee estimate. For the share of offers with no stated cap by bank and category, see card discounts with no stated cap. Choosing between two banks? Read HBL vs Meezan, HBL vs Bank Alfalah or UBL vs MCB.
Which bank should you use at one restaurant?
Open that restaurant's page and compare the exact cards you hold. A higher bank-wide offer count may reflect many card tiers at the same place; it does not predict the best card for your visit. For national card coverage and one-visit medians, read which card saves most. The Card Discount Index shows listed rates, cap coverage and the underlying catalogue method.
All rupee figures here are estimated savings on one eligible Rs 5,000 visit. Only fixed-percentage offers with a known card cap qualify; “up to” offers and unknown caps are excluded. A listed city does not prove every branch participates.