The short version
A bank card discount in Pakistan is an agreement between a bank and a merchant: pay with an eligible card and the merchant takes a percentage off your bill, usually up to a rupee cap. The saving on one visit is the smaller of bill × rate and the cap for your exact card. Then a set of conditions decides whether the offer applies at all: the day, the branch, the order type, a minimum spend and any exclusions.
Across the 13,201 active offers we track, here is how often each of those terms is actually stated. Anything not stated is unknown, not “no restriction”.
| Term | Offers | Share |
|---|---|---|
| States a rupee cap for at least one card | 8,578 | 65% |
| Different caps for different cards | 955 | 7% |
| Limited to certain days of the week | 1,300 | 10% |
| Names participating branches | 12,658 | 96% |
| Minimum spend stated | 129 | 1% |
| Order mode stated (dine-in, takeaway, delivery) | 2,178 | 16% |
| À la carte only | 248 | 2% |
| Lists exclusions | 8,997 | 68% |
| Transaction limit stated | 3,729 | 28% |
| Publishes an end date | 11,403 | 86% |
| “Up to” rate | 137 | 1% |
Try your own bill in the discount calculator →
1. The rate
The rate is the headline percentage. 12,827 offers (97%) state one fixed percentage. The most common rates are 10% (1,221 offers), 15% (1,918 offers), 20% (2,889 offers), 25% (1,411 offers), 30% (2,317 offers) and 40% (1,637 offers). A further 237 offers are not percentages at all: buy-one-get-one, fixed rupee amounts or terms that could not be read as a rate.
A rate on its own tells you the saving only on small bills, before any cap applies. 20% off a Rs 2,000 lunch is Rs 400 whatever the cap, as long as the cap is at least Rs 400.
2. The cap
The cap is the most a single transaction can save. 8,578 offers (65%) state a rupee cap for at least one eligible card; the rest do not, and for those the real saving on a large bill is unknown until you ask. The most common stated caps are Rs 1,500 (612), Rs 2,000 (1,371), Rs 3,000 (1,652), Rs 4,000 (913), Rs 5,000 (1,999) and Rs 10,000 (914).
Worked example: 30% off, capped at Rs 2,000. On Rs 4,000 you save Rs 1,200. On Rs 6,000 you save Rs 1,800. On Rs 10,000, 30% would be Rs 3,000, but the cap stops it at Rs 2,000, an effective 20%. Above Rs 6,667 every extra rupee you spend is at full price. Read more in how discount caps work.
3. Per-card caps
Some offers list several cards from the same bank with a different cap for each tier. 955 offers (7%) list two or more different caps. The rate is the same for every card on one offer and the cap often rises with the tier, so Classic and Infinite holders save the same on a small bill and very different amounts on a large one.
Example structure: 20% off with a Rs 1,500 cap for Gold and a Rs 5,000 cap for Infinite. On Rs 5,000 both save Rs 1,000. On Rs 15,000, Gold saves Rs 1,500 and Infinite Rs 3,000. This is why Kaunsa Card ranks card products, not banks.
4. Valid days
1,300 offers (10%) are limited to certain weekdays, 2,847 say they apply every day, and 9,054 (69%) do not state the days at all. If the days are not stated, assume nothing and ask before ordering.
5. Branches and cities
12,658 offers (96%) name participating branches. A brand being listed in your city does not prove that every branch accepts the offer: franchise outlets, airport branches and food-court counters can be exceptions. When no branch list is given, branch applicability is unknown, not “all branches”.
6. Minimum spend
129 offers state a minimum bill, with a median of Rs 2,000. Below the minimum the discount is zero, which is why Kaunsa Card does not count an offer in a Rs 2,000 estimate if it needs Rs 3,000.
7. Order mode and à la carte
2,178 offers state which order types they cover, and 936 of those are dine-in only. Takeaway and delivery orders, including those placed through apps, often do not qualify. 248 offers apply to à la carte items only, so buffets, hi-tea, deals and set menus are excluded even at a participating branch.
8. Exclusions, transaction limits and end dates
8,997 offers (68%) list exclusions such as public holidays, deals or specific items. 3,729 state a transaction limit, commonly one transaction per card per day. 11,403 (86%) publish an end date; the rest have no published expiry, which means the bank can end them at any time.
9. “Up to” offers
137 offers are written as “up to X%”. That figure is a ceiling: the actual rate may depend on the card, the day or the item. We show these offers but never use them in rupee estimates or rankings, because the saving cannot be calculated honestly.
Putting it together
Before you pay: confirm the exact card is eligible, the day and branch match, your bill meets any minimum, and the order type qualifies. Then compare the capped rupee saving, not the percentage. Our step-by-step checklist turns this into questions to ask at the counter, and why a card discount failed covers what to do if it is refused.
Find a restaurant in your city and enter your bill to see the estimate for each card you hold.