What this edition records
The catalogue on held 12,418 active offer records at 1,977 places across 12 cities. These are historical listed terms and counts, not current offers or actual redeemed savings.
For live listings, use the current Card Discount Index and browse by city.
Findings in the archived sample
- 35% of 12,418 active offers do not state a rupee cap for any eligible card, so the real saving on a large bill is unknown until you ask.
- Askari Bank lists the most active offers (1,306, at 529 places), 11% of the catalogue.
- Among banks with at least 20 offers, Soneri Bank has the highest median listed rate (40%) and Standard Chartered the lowest (15%).
- The median listed percentage across 12,190 percentage offers is 25%.
- PayPak states a cap on the largest share of its offers (100%); its median stated cap is Rs 1,000.
- Karachi has the most listed offers (5,397) across 945 places.
- 88% of active offers publish an end date; the rest have no published expiry.
Bank coverage in this edition
| Bank or programme | Listed places | Offer records | Cap stated |
|---|---|---|---|
| Askari Bank | 529 | 1306 | 80% |
| Dubai Islamic Bank Pakistan | 170 | 997 | 0% |
| HBL | 393 | 963 | 77% |
| Allied Bank | 367 | 939 | 76% |
| Faysal Bank | 424 | 875 | 55% |
| HBL Islamic | 398 | 868 | 73% |
| Bank AL Habib | 455 | 852 | 64% |
| Meezan Bank | 301 | 731 | 86% |
| JS Bank | 241 | 649 | 95% |
| Bank of Punjab | 227 | 617 | 91% |
| Bank Alfalah | 310 | 609 | 87% |
| MCB Bank | 238 | 559 | 85% |
| UBL | 285 | 526 | 83% |
| MCB Islamic | 183 | 468 | 75% |
| Soneri Bank | 149 | 454 | 0% |
| HabibMetro | 148 | 382 | 10% |
| Al Baraka Bank | 251 | 360 | 46% |
| BankIslami | 45 | 77 | 26% |
| PayPak | 25 | 67 | 100% |
| Onic | 28 | 38 | 0% |
| National Bank of Pakistan | 24 | 24 | 100% |
| Easypaisa | 21 | 21 | 100% |
| Standard Chartered | 21 | 21 | 100% |
| Sindh Bank | 5 | 10 | 100% |
| Mobilink Microfinance Bank | 5 | 5 | 60% |
Method and reuse
Figures are aggregate counts, shares and medians from a single public-catalogue export. One offer listed in several cities contributes once to the national bank count and once per city in the city totals. Percentage medians describe listed rates, including “up to” ceilings; they are not one-visit rupee savings. Missing caps are recorded as missing. Read how capped savings are calculated.
Cite as: Kaunsa Card? Card Discount Index, 16 October 2026 edition. This page is an original aggregate report; no raw third-party offer text is downloadable here.