About

The only tool that ranks cards by how you actually dine

19 banks. 948 restaurants. 3 cities. One question: which card saves you the most at the places you actually go? konsacard.pk answers it with your real bill size, your restaurants, and your days, not city-wide averages.

18 Banks
948 Restaurants
19k+ Offers tracked
3 Cities

The problem this solves

Pakistan has a surprisingly large number of restaurant discount programs. HBL, Meezan, Bank Alfalah, UBL, MCB, Standard Chartered, and others each run their own dining offers with their own terms, restaurant lists, day restrictions, and discount caps. None of them publish a cross-bank comparison. Banks have no incentive to tell you a competitor's card is better for the restaurants you actually visit.

The result: most people pick their dining card by accident; they take whatever their bank offered when they opened an account. They often overpay for a premium tier they don't need, or underuse a no-fee card that would have been fine. A quick search rarely surfaces a comparison that accounts for your city, your restaurants, and your typical bill all at once.

The fix: Enter 3 to 5 restaurants you actually go to, set your typical bill size, and the tool calculates which card saves you the most money after applying caps, based on your real dining pattern.

How it works in three steps

1
Set your inputs Select your city, add the restaurants you visit regularly, enter your typical bill size per outing, and pick your usual dining days.
2
The tool calculates For every card across all 19 banks, it applies the actual discount to your bill, caps it at the published maximum, and checks day and restaurant coverage. This runs fresh each time you change an input.
3
You get a ranked shortlist Cards ranked by Fit Score, meaning how much you'd actually save at your restaurants on your days at your bill size. Click any card to see the breakdown by restaurant and check eligibility requirements.

Banks covered

The dataset covers all major Pakistani banks that run public restaurant discount programs:

Bank Card types
Habib Bank Limited (HBL)Debit & Credit
HBL Islamic BankDebit & Credit
Bank AlfalahDebit & Credit
Meezan BankDebit & Credit
MCB Bank LimitedDebit & Credit
MCB Islamic BankDebit & Credit
United Bank Limited (UBL)Debit & Credit
Standard Chartered BankDebit & Credit
Faysal BankDebit & Credit
Bank AL HabibDebit & Credit
Askari BankDebit & Credit
Habib Metro BankDebit
BankIslamiDebit
Al Baraka BankDebit
Allied BankDebit
Bank of Punjab (BoP)Debit
JS BankDebit & Credit
EasypaisaDigital

Frequently asked questions

No. No bank or card issuer pays for placement on this site. Rankings are calculated purely from your inputs. A card ranks where the math puts it. If a card ranks first for your inputs, it's because it genuinely saves you the most money at your restaurants, not because the bank paid for the position.
No. konsacard.pk is a comparison tool only. When you find a card that looks right, each card links directly to the bank's own application page. We don't earn referral commissions and don't process applications.
Yes. The dataset covers both debit and credit cards. You can filter to one type using the Card Type filter, or compare them head-to-head. Most Pakistani banks offer restaurant discounts on both debit and credit products, often with different caps and terms.
The dataset is updated manually when bank offer pages change. Pakistani banks update their restaurant programs irregularly. Sometimes monthly, sometimes not for a quarter. Before acting on any offer you find here, always confirm current terms directly with the bank or at the restaurant.
The tool only covers restaurants that appear in the banks' own published discount programs. If your favourite spot isn't listed, it may not currently have any bank partnerships. You can also send us a note via the contact page. If a restaurant has deals we've missed, we'll add it in the next data update.
Usually not. Most bank restaurant discount programs apply to dine-in and takeaway orders only. Food delivery platforms (Foodpanda, Careem NOW) have separate, frequently changing bank partnerships that we track separately. Always confirm at the point of order.

Who built this

konsacard.pk was built by someone who got tired of manually cross-referencing bank offer pages before deciding where to eat in Karachi. What started as a personal spreadsheet for comparing HBL vs Meezan vs Bank Alfalah became this tool after it was clear the problem wasn't unique.

It's an independent project. No investors, no bank sponsors, no referral revenue. The goal is a genuinely useful comparison that doesn't require you to visit 18 different bank websites to answer a simple question.