Faysal Islami Noor Platinum Card

What makes this card Islamic

Faysal Bank builds this card on a Tawarruq contract. The bank sells you a commodity on credit at a marked-up price, you sell that commodity to somebody else for cash, and the cash becomes your spending limit.

Tawarruq via Musawamah on Islamic Mutual Fund units. Revolving credit card with a permitted minimum payment.

Approved by Faysal Bank Limited Shariah Board, under the supervision of State Bank of Pakistan.

What it costs

Every figure below comes from Faysal Bank’s own published documents. Where the bank does not publish a number we say so rather than estimate it.

Annual fee

Rs 19,000Reversed if Rs. 200,000 is spent within 60 days. Utility bills excluded.source

Supplementary card

Rs 6,000Reversed on spend of Rs. 25,000 within 60 days.source

Profit rate

43% a yearSalaried Approved 43%, Salaried Unapproved 44%, Self Employed 45%. Retail and cash advance both minimum 43% per annum. Up to 50 days profit-free if paid in full.source

Cash withdrawal

Rs. 35 per off-net ATM transaction. Cash withdrawal limit for Platinum: Rs. 35,000 or 10% of card limit, whichever is lower.

Late payment

Rs 2,500'Musawamah Payment' of Rs. 2,500 per instance.

Foreign currency spend

4.5% on top of the exchange rate

Replacement card

Rs 1,500

Takaful cover

Noor Takaful at 0.69% of monthly outstanding balance, underwritten by EFU Life-WTO.

What you get back

• Earn 1 reward point on every spend of Rs. 100
• Earn 3x Reward Points on selected Charitable and Social Service organizations

Other benefits

• Unlimited complimentary access for primary and supplementary cardholders to the CIP lounge at Lahore and Islamabad airports when travelling abroad
• Unlimited complimentary access with a guest to the Majestic lounge at Karachi airport when travelling abroad
• 25+ complimentary international airport lounge visits via the Mastercard Travel Pass app
• Monthly free golf sessions at renowned courses across Pakistan (weekdays)
• Exclusive discounts of up to 50% at partner merchants
• Up to 5 supplementary cards

Before you apply

• International lounge access requires an international transaction of at least USD 1 (or local equivalent) to activate, and re-registration on the Mastercard Travel Pass app from 1 April 2025.
• The Rs. 200,000 spend hurdle to waive the Rs. 19,000 annual fee is far harder than the lower tiers.
• 43-45% APR.

Can you get it?

Other conditions

Salaried and self-employed both eligible per the KFS APR grid. No published minimum income. Upgrade to Platinum costs Rs. 7,500. The Rs. 200,000 spend needed to waive the annual fee is a five-fold jump from Titanium's Rs. 40,000.

Where these figures come from

Last checked against Faysal Bank’s published documents on 2026-08-17. Banks change fees without notice, so treat the bank’s own document as the final word, not this page.

• “Card Type ... Platinum* ... Annual Fee Rs. 19,000/- ... Rs. 200,000/- ... Rs. 2,100/- — Noor Card Key Facts Statement Jul-Dec 2026, s.2.1”
• “Supplementary Cards: Platinum* Annual Fee Rs. 6,000/- ... Rs. 25,000/- — Noor Card KFS Jul-Dec 2026, s.2.1”
• “Unlimited complimentary access for primary and supplementary card holders to CIP lounge at Lahore & Islamabad airport while travelling abroad by using your Noor Platinum card. — Faysal Islami Noor Platinum Card product page”
• “Enjoy 25+ complimentary International Airport Lounge access only through Mastercard TravelPass app — Faysal Islami Noor Platinum Card product page”
• “Enjoy monthly free Golf sessions renowned courses across Pakistan (on weekdays) — Faysal Islami Noor Platinum Card product page”
• “Cash Withdrawal Limit: ... Platinum: Rs. 35,000/- or 10% of the card limit (whichever is lower) — Noor Card KFS Jul-Dec 2026, s.2.2”

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