Weekly ReportJune 20, 2026·15 min read

Weekly Card Rankings Report
Week of June 20, 2026

118 cards. 7 banks. 12,905 active deals. Scored, ranked, and broken down by city -- powered by DataLayer's real-time aggregation pipeline.

12,905
Active Deals
118
Cards Tracked
7
Banks
1,402
Merchants
33
Cities
9
Categories
3,497
Ranking Entries

Tier Distribution

How 111 ranked cards break down across performance tiers

111 cards met the minimum activity threshold for ranking; 7 tracked cards were excluded due to insufficient active offer data.

10
S-Tier Cards
Avg score: 87.6
29
A-Tier Cards
Avg score: 66.2
69
B-Tier Cards
Avg score: 48.1
3
C-Tier Cards
Avg score: 30.8

Scoring Methodology

Each card receives a composite score from 0-100 based on three weighted factors against absolute benchmarks:

45%
Active Offer Count
Normalized against a benchmark of 1,500 offers
35%
Average Discount Depth
Normalized against a benchmark of 25% average
20%
Maximum Discount
Normalized against a benchmark of 70% max

National Top 20

The highest-performing bank cards in Pakistan this week

#TierCardBankScoreOffersAvg DiscMax Disc
1SHBL World Elite DebitCardHBL97.51,53423.2%70%
2SHBL World Business DebitCardHBL94.91,64121.4%70%
3SHBL World DebitCardHBL93.91,45121.7%70%
4SHBL Platinum CreditCardHBL92.51,39821.8%70%
5SFaysal Bank Business Debit CardFaysal88.62,75916.9%90%
6SHBL Gold DebitCardHBL83.61,32819%60%
7SHBL Gold CreditCardHBL82.41,27419.3%60%
8SHBL Titanium DebitCardHBL82.11,26619.3%60%
9SHBL Classic Business DebitCardHBL78.31,30117.9%50%
10SBAHL Visa Signature Debit CardBAHL75.198021.4%55%
11AMeezan Visa Infinite Debit CardMeezan73.376123.8%60%
12AHBL Green CreditCardHBL72.61,08918.3%50%
13AHBL DebitCardHBL72.11,07418.3%50%
14AHBL Nisa DebitCardHBL72.11,07318.3%50%
15AFaysal Islami Priority World DebitFaysal71.664925.5%60%
16ABAHL Visa Platinum Debit CardBAHL69.591418.8%55%
17AMCB Visa Signature Debit CardMCB69.457528.1%60%
18AHBL Visa Infinite CreditCardHBL6966124.9%50%
19ABA Islamic Premier Visa Sig DebitAlfalah68.463920.9%100%
20ABA Premier Visa Sig DebitAlfalah68.463820.9%100%

Bank Market Share

Active deal volume, merchant coverage, and average discount by bank

Faysal Bank
#1
3,935
Active Deals
262
Unique Merchants
24.6%
Avg Discount
30% market share by deal volume
HBL
#2
3,221
Active Deals
339
Unique Merchants
22.5%
Avg Discount
25% market share by deal volume
Meezan
#3
1,466
Active Deals
254
Unique Merchants
23.3%
Avg Discount
11% market share by deal volume
Bank AL Habib
#4
1,386
Active Deals
372
Unique Merchants
21.5%
Avg Discount
11% market share by deal volume
MCB
#5
1,132
Active Deals
214
Unique Merchants
27.7%
Avg Discount
9% market share by deal volume
Bank Alfalah
#6
1,101
Active Deals
230
Unique Merchants
23.1%
Avg Discount
9% market share by deal volume
UBL
#7
664
Active Deals
188
Unique Merchants
27.3%
Avg Discount
5% market share by deal volume

Deal Volume Distribution

Faysal Bank
3,935
30%
HBL
3,221
25%
Meezan
1,466
11%
Bank AL Habib
1,386
11%
MCB
1,132
9%
Bank Alfalah
1,101
9%
UBL
664
5%

Percentages represent share of total active deal volume (12,905 offers). Merchant counts reflect unique normalized business entities per bank.

City Rankings

Top 5 cards in Pakistan's three largest markets

Karachi

2,077 deals
1
Visa Signature Debit Card
BAHL · Score 58.5 · 24.7% avg
2
HBL World Elite DebitCard
HBL · Score 58.3 · 23.8% avg
3
Visa Infinite Debit Card
Meezan · Score 56.9 · 30.8% avg
4
Mastercard World Debit Card
Meezan · Score 56.8 · 26.3% avg
5
Faysal Islami Priority World Debit
Faysal · Score 56.3 · 32.2% avg

Lahore

2,071 deals
1
HBL World Elite DebitCard
HBL · Score 61.5 · 26% avg
2
HBL Platinum CreditCard
HBL · Score 58.7 · 23.2% avg
3
BA Premier Visa Sig Debit
Alfalah · Score 58.2 · 24.3% avg
4
BA Islamic Premier Visa Sig Debit
Alfalah · Score 58 · 24.2% avg
5
BA Premier Visa Plat Credit
Alfalah · Score 58 · 24.3% avg

Islamabad

1,120 deals
1
HBL World Elite DebitCard
HBL · Score 58.9 · 24.8% avg
2
HBL Platinum CreditCard
HBL · Score 55.4 · 22.5% avg
3
HBL World DebitCard
HBL · Score 54.7 · 22.1% avg
4
HBL World Business DebitCard
HBL · Score 54.6 · 21.8% avg
5
BA Premier Visa Infinite Debit
Alfalah · Score 51.7 · 29% avg

Note on city scores: City scores are calculated using the same scoring formula but only include offers active in that city, so scores are not directly comparable with national scores. A card scoring 97.5 nationally may score 58.3 in Karachi because only a subset of its national offers are available there.

Key Insights This Week

HBL Leads National Card Rankings

HBL holds 8 of the top 10 national positions and 12 of the top 20, making it the strongest bank in this week's card rankings. Its World Elite DebitCard ranks #1 nationally with a score of 97.5 -- the highest observed score this week -- driven by broad offer coverage, strong discount depth, and a 70% maximum discount.

Faysal Bank Leads by Deal Volume

Faysal Bank has the highest active deal volume this week with 3,935 active offers, representing roughly 30% of tracked deal volume. Its Business Debit Card alone carries 2,759 offers, but a lower average discount of 16.9% keeps it behind HBL's highest-ranking cards.

Karachi Is the Most Competitive Major City

Karachi's top 5 is more balanced than the national ranking. Bank AL Habib's Visa Signature Debit Card takes the #1 city position with a score of 58.5, narrowly ahead of HBL World Elite at 58.3. Meezan's Visa Infinite Debit Card follows with a strong 30.8% average discount.

MCB Has the Deepest Average Discounts

MCB has the highest average discount depth among tracked banks at 27.7%. While its total deal volume is lower than Faysal and HBL, its offers are more discount-heavy, helping MCB perform strongly in cities such as Multan, Faisalabad, and Peshawar.

Data Definitions

Active Deal

A currently valid card-linked offer available through a bank source. Offers are marked active when their expiration date is in the future or when no expiration is specified.

Merchant

A normalized business entity, deduplicated across banks and cities. One physical chain with multiple locations is counted as one merchant.

Ranking Entry

A card ranking generated for a specific national, city, or category context. One card may have multiple ranking entries across different contexts.

Average Discount

Mean discount percentage across active offers after normalization. Calculated from the discount_percentage field on each offer record.

This data powers CardWise

The rankings above are computed from the same real-time database that powers CardWise -- Pakistan's card deal matching app. DataLayer aggregates, normalizes, and scores this data through automated pipelines.

Rankings are refreshed daily. This report captures the snapshot from June 20, 2026.

Coverage Note

This report covers 7 banks currently integrated into DataLayer's live card-deals pipeline. Additional banks are being added as source coverage expands. Data accuracy depends on bank source availability and update frequency.

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