Which card has the highest restaurant discount?
Source: Kaunsa Card? Index, November 2026
Short answer: by median capped saving on a Rs 5,000 restaurant or café bill, Bank of Punjab Mastercard World Credit Card ranks first in the current catalogue at Rs 2,500 across 150 calculable places, and Rs 5,000 on a Rs 10,000 bill. The highest headline percentage is a different question: 50% offers are listed 456 times with a stated cap, yet their median saving on Rs 5,000 is Rs 2,500, not Rs 2,500, because caps cut in.
The card tier explains most of the difference between cards at the same bank. The sections below rank cards within each tier, so you can see how far your own card is from the top of its tier, and whether upgrading would change much. Find a restaurant by city to compare on your own bill.
Try your own bill in the discount calculator →
Tier summary: median of card medians
Each row takes every ranked card in the tier and reports the middle value of their Rs 5,000 and Rs 10,000 medians. It is a guide to typical tier strength, not a promise for any one card.
| Tier | Ranked cards | Typical median, Rs 5,000 | Typical median, Rs 10,000 |
|---|---|---|---|
| Visa Infinite and Visa Signature cards | 18 | Rs 1,500 | Rs 3,000 |
| Mastercard World and World Elite cards | 15 | Rs 1,500 | Rs 3,000 |
| Platinum and Titanium cards | 38 | Rs 1,000 | Rs 2,000 |
| Gold, Classic and other everyday cards | 56 | Rs 813 | Rs 1,500 |
| PayPak and UnionPay cards | 47 | Rs 750 | Rs 1,500 |
Best Visa Infinite and Visa Signature cards for restaurants
Visa Infinite and Visa Signature are the top Visa tiers in Pakistan, usually tied to priority or premier banking. Restaurant offers for these cards often carry the largest caps a bank lists.
18 cards in this tier have ten or more calculable dining places. The highest-ranked is JS Bank Visa Infinite Credit Card at Rs 2,500 on Rs 5,000.
| # | Card | Type | Median on Rs 5,000 | Median on Rs 10,000 | Calculable / listed places |
|---|---|---|---|---|---|
| 1 | JS Bank Visa Infinite Credit Card | Credit | Rs 2,500 | Rs 5,000 | 128 / 129 |
| 2 | Askari Visa Signature Debit Card | Debit | Rs 2,000 | Rs 4,000 | 254 / 331 |
| 3 | Allied Bank Visa Infinite Debit Card | Debit | Rs 2,000 | Rs 4,000 | 209 / 252 |
| 4 | Meezan Bank Visa Infinite Debit Card | Debit | Rs 2,000 | Rs 3,000 | 183 / 189 |
| 5 | JS Bank Private Banking Visa Signature Credit Card | Credit | Rs 2,000 | Rs 4,000 | 170 / 172 |
| 6 | HBL Visa Infinite Credit Card | Credit | Rs 1,500 | Rs 3,000 | 219 / 265 |
Best Mastercard World and World Elite cards for restaurants
Mastercard World and World Elite are Mastercard's premium tiers. Several Islamic and conventional banks issue World debit cards, so this group is not limited to credit cards.
15 cards in this tier have ten or more calculable dining places. The highest-ranked is Bank of Punjab Mastercard World Credit Card at Rs 2,500 on Rs 5,000.
| # | Card | Type | Median on Rs 5,000 | Median on Rs 10,000 | Calculable / listed places |
|---|---|---|---|---|---|
| 1 | Bank of Punjab Mastercard World Credit Card | Credit | Rs 2,500 | Rs 5,000 | 150 / 157 |
| 2 | Askari World Credit Card | Credit | Rs 2,000 | Rs 4,000 | 255 / 332 |
| 3 | Faysal Islami Priority World Debit Card | Debit | Rs 2,000 | Rs 4,000 | 139 / 167 |
| 4 | Faysal Islami Noor World Card | Rs 2,000 | Rs 4,000 | 137 / 165 | |
| 5 | Bank of Punjab Mastercard World Debit Card | Debit | Rs 2,000 | Rs 4,000 | 125 / 131 |
| 6 | Bank of Punjab Mastercard Taqwa World Islamic Debit Card | Debit | Rs 2,000 | Rs 4,000 | 124 / 130 |
Best Platinum and Titanium cards for restaurants
Platinum (and Mastercard Titanium) sits between everyday and premium cards. These cards are widely issued and often share a restaurant's offer with premium tiers, but with a lower cap.
38 cards in this tier have ten or more calculable dining places. The highest-ranked is MCB Islamic Visa Platinum Business Debit Card at Rs 2,000 on Rs 5,000.
| # | Card | Type | Median on Rs 5,000 | Median on Rs 10,000 | Calculable / listed places |
|---|---|---|---|---|---|
| 1 | MCB Islamic Visa Platinum Business Debit Card | Debit | Rs 2,000 | Rs 4,000 | 75 / 100 |
| 2 | MCB Islamic Visa Platinum Debit Card | Debit | Rs 2,000 | Rs 4,000 | 75 / 100 |
| 3 | Askari Platinum Credit Card | Credit | Rs 1,500 | Rs 3,000 | 256 / 333 |
| 4 | Askari Visa Platinum Debit Card | Debit | Rs 1,500 | Rs 3,000 | 252 / 329 |
| 5 | JS Bank Visa Platinum Credit Card | Credit | Rs 1,500 | Rs 3,000 | 170 / 172 |
| 6 | MCB Bank Visa Platinum Credit Card | Credit | Rs 1,500 | Rs 3,000 | 161 / 173 |
Best Gold, Classic and other everyday cards for restaurants
Gold, Classic and similar everyday cards are what most account holders receive. Caps are smaller, so these cards are strongest on modest bills.
56 cards in this tier have ten or more calculable dining places. The highest-ranked is Allied Bank Visa Premium Debit Card at Rs 1,500 on Rs 5,000.
| # | Card | Type | Median on Rs 5,000 | Median on Rs 10,000 | Calculable / listed places |
|---|---|---|---|---|---|
| 1 | Allied Bank Visa Premium Debit Card | Debit | Rs 1,500 | Rs 3,000 | 207 / 250 |
| 2 | Askari Gold Credit Card | Credit | Rs 1,000 | Rs 2,000 | 216 / 295 |
| 3 | Askari Visa Gold Debit Card | Debit | Rs 1,000 | Rs 2,000 | 199 / 278 |
| 4 | Bank AL Habib AL Habib Gold Credit Card | Credit | Rs 1,000 | Rs 2,000 | 115 / 181 |
| 5 | Bank AL Habib AL Habib Gold Debit Card | Debit | Rs 1,000 | Rs 1,500 | 111 / 177 |
| 6 | MCB Bank Visa Gold Credit Card | Credit | Rs 1,000 | Rs 2,000 | 101 / 113 |
Best PayPak and UnionPay cards for restaurants
PayPak is Pakistan's domestic card scheme and UnionPay is often co-badged with it. Some offers target these cards specifically.
47 cards in this tier have ten or more calculable dining places. The highest-ranked is National Bank of Pakistan Aitemaad UnionPay Classic Debit Card at Rs 2,000 on Rs 5,000.
| # | Card | Type | Median on Rs 5,000 | Median on Rs 10,000 | Calculable / listed places |
|---|---|---|---|---|---|
| 1 | National Bank of Pakistan Aitemaad UnionPay Classic Debit Card | Debit | Rs 2,000 | Rs 3,000 | 35 / 35 |
| 2 | National Bank of Pakistan Aitemaad UnionPay Gold Debit Card | Debit | Rs 2,000 | Rs 3,000 | 35 / 35 |
| 3 | National Bank of Pakistan UnionPay Classic Debit Card | Debit | Rs 2,000 | Rs 3,000 | 35 / 35 |
| 4 | MCB Islamic UnionPay Platinum Debit Card | Debit | Rs 1,500 | Rs 3,000 | 74 / 99 |
| 5 | PayPak Edge Card | Rs 1,500 | Rs 2,000 | 17 / 17 | |
| 6 | National Bank of Pakistan PayPak Edge Co-badge Debit Card | Debit | Rs 1,500 | Rs 2,000 | 17 / 17 |
Headline rate vs what you save on Rs 5,000
Every dining offer with a fixed percentage and a stated card cap, grouped by its rate. “Without a cap” is the bill × rate figure; “capped” is the share of offer-and-card pairs where the cap is lower than that figure. Rates listed fewer than 20 times are left out.
| Listed rate | Offers | Without a cap | Median after cap | Cap binds |
|---|---|---|---|---|
| 10% | 346 | Rs 500 | Rs 500 | 0% |
| 15% | 936 | Rs 750 | Rs 750 | 1% |
| 20% | 1,578 | Rs 1,000 | Rs 1,000 | 1% |
| 25% | 715 | Rs 1,250 | Rs 1,250 | 3% |
| 30% | 1,473 | Rs 1,500 | Rs 1,500 | 1% |
| 35% | 48 | Rs 1,750 | Rs 1,750 | 1% |
| 40% | 1,226 | Rs 2,000 | Rs 2,000 | 1% |
| 45% | 56 | Rs 2,250 | Rs 2,250 | 0% |
| 50% | 456 | Rs 2,500 | Rs 2,500 | 3% |
This is why we rank by rupees. A 50% headline sounds twice as good as 25%, but if the 50% offer is capped at Rs 1,500 and the 25% offer at Rs 3,000, the 25% card saves more on any bill above Rs 6,000.
How to read these rankings
How this ranking works: for each card we take its highest calculable offer once per place (restaurants and cafés only), estimate the saving on one eligible bill as the smaller of bill × rate and the card's stated cap, then take the median across places. Only fixed-percentage offers with a stated card cap count; “up to” rates and offers without a stated cap are left out of every rupee figure. Cards need at least 10 calculable places. Ties are ordered by the number of calculable places. This is an estimate for one visit, not a promise: check the valid day, branch, minimum spend and exact card before paying. How caps work.
Network labels come from the card product as listed. Some cards do not state a network or tier, and they are grouped under “other” and not shown. A tier label does not guarantee the same offer at every bank: one bank's Platinum card can out-save another bank's Signature card. Compare debit-only results in the debit card guide and credit-only results in the credit card restaurant guide.