Which debit card gives the most discounts?
Source: Kaunsa Card? Index, November 2026
Askari Visa Signature Debit Card ranks first among debit cards in Pakistan by median estimated saving on a Rs 5,000 bill: Rs 2,000 across 311 places where the cap is stated. 10 debit cards share that median; ties are ordered by calculable places. 166 of 190 debit cards with listed offers qualify for the ranking.
Open the Askari Visa Signature Debit Card page for its places and caps. Debit cards with active listed offers cover 2,022 places in total; a card needs at least ten places with a fixed percentage and a stated cap to be ranked. “Most discounts” can mean two different things: the card listed at the most places, or the card that saves the most rupees when you use it. This guide answers both, separately, because the two lists often differ.
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Top 15 debit cards by median saving on a Rs 5,000 bill
Every category counts here: restaurants, cafés, clothing, health, travel and the rest. The Rs 10,000 column shows where a card's cap starts to bite: if the median barely moves when the bill doubles, the cap, not the percentage, is setting your saving.
How this ranking works: for each card we take its highest calculable offer once per place (all categories), 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.
A worked example in rupees
Take the card at the top of the table. A median of Rs 2,000 on a Rs 5,000 bill means that at half of its 311 calculable places the estimated saving is Rs 2,000 or more, and at the other half it is Rs 2,000 or less. That is equivalent to 40% of the bill at the middle place.
Double the bill to Rs 10,000 and the median becomes Rs 4,000. The saving scales with the bill here because most of this card's caps sit above the Rs 10,000 calculation.
Two debit cards from the same bank can rank far apart. Premium tiers (Infinite, Signature, World) usually carry higher caps than Classic or Gold cards for the same restaurant offer, and some offers are listed for premium cards only. That is why this table ranks individual card products, not banks.
Debit cards listed at the most places
Coverage counts every distinct place where a card has an active listed offer, whether or not a cap is stated. A wide card is useful if you want one debit card that works in many places; it is not automatically the card that saves the most per visit.
| Card | Places listed | Calculable at Rs 5,000 | Share calculable |
|---|---|---|---|
| Askari Visa Signature Debit Card | 498 | 311 | 62% |
| Askari Visa Platinum Debit Card | 496 | 310 | 63% |
| Bank AL Habib AL Habib Signature Debit Card | 460 | 265 | 58% |
| Askari Visa Gold Debit Card | 436 | 249 | 57% |
| Askari Visa Classic Debit Card | 434 | 245 | 56% |
| HBL Islamic World Elite Debit Card | 413 | 291 | 70% |
| Bank AL Habib AL Habib Platinum Debit Card | 410 | 216 | 53% |
| HBL World Elite Debit Card | 408 | 300 | 74% |
The highest-ranked debit card at each bank
If you are choosing a bank account rather than a single card, this shows the best-ranked debit card each bank offers under the same rule. A bank appears only if at least one of its debit cards has ten or more calculable places.
Ties, gaps and what this ranking cannot tell you
Most Pakistani card offers use round rates (15%, 20%, 25%, 30%, 40%) and round caps (Rs 1,500, Rs 2,000, Rs 3,000, Rs 5,000), so many cards land on exactly the same median. When that happens, a card with more calculable places ranks higher, because its median rests on more evidence. A difference of one or two places is not meaningful.
- Unknown caps are excluded, not treated as unlimited. A card whose offers rarely state a cap can look weaker here simply because fewer of its places can be calculated.
- Eligibility varies. A premium debit card often needs a minimum balance or a priority-banking relationship. This guide does not compare account fees or balance requirements.
- Conditions still apply. Days of the week, participating branches, minimum spend, dine-in only rules and one-transaction-per-day limits can each stop a discount on a given visit.
- City matters. National medians hide local gaps. Check your city on the city pages or on a bank page.
For restaurant-only rankings that include credit cards, read the best card for dining. If you can choose between a debit and a credit card, the credit card restaurant guide uses the same method so the numbers are comparable.
How to pick a debit card for discounts
- List the five places where you spend most often. A card with a high national median is useless if it is not listed where you eat or shop.
- Check which of your bank's debit tiers you qualify for, then compare those tiers in the table above.
- Open each place on Kaunsa Card and enter your usual bill. The rupee figure after the cap is the number that matters.
- Before paying, confirm the day, the branch and whether the offer is dine-in only. Our checklist for claiming a discount covers what to ask at the counter.
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