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Islamic Credit Cards
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Faysal Bank · Fully Islamic bank

Faysal Islami Noor World Card

1,100+ international lounges via Mastercard Travel Pass, plus unlimited domestic CIP lounges

TawarruqMastercardWorld
Annual fee
Rs 26,000
Profit rate
43%

a year

Minimum income
Not published
Rewards
Reward points

Read it from the source

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. Flagship tier of the Noor range.

How Tawarruq worksIs a credit card halal?

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 26,000Reversed if Rs. 400,000 is spent within 60 days. Utility bills excluded.source
Supplementary card
Rs 12,500Reversed on spend of Rs. 50,000 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 World: Rs. 50,000 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 1x reward point on every local spend of Rs. 100
  • Earn 3x Reward Points on selected Charitable and Social Service organizations
  • Reward point value for the Noor World Card is PKR 0.5 per point
  • Redeem at 200+ outlets across Pakistan

Other benefits

  • Unlimited complimentary CIP lounge access at Lahore and Islamabad airports for primary and supplementary cardholders when travelling abroad
  • Unlimited complimentary access with a guest to the Majestic lounge at Karachi airport
  • 1,100+ complimentary international airport lounge visits via the Mastercard Travel Pass app
  • Monthly free golf sessions at renowned courses across Pakistan
  • Exclusive discounts of up to 50% at partner merchants
  • Mastercard Halal Offers for travel, accommodation and dine-in restaurants
  • Up to 5 supplementary cards

Before you apply

  • Rs. 26,000 annual fee is the highest in the Noor range and needs Rs. 400,000 of spend within 60 days to be reversed.
  • Reward point value is explicitly PKR 0.5 for the World card, so 1 point per Rs. 100 equates to a 0.5% return.
  • International lounge access requires an international transaction of at least USD 1 to activate.
  • 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 World costs Rs. 10,000. Maximum card limit Rs. 7,000,000.

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 ... World* ... Annual Fee Rs. 26,000/- ... Rs. 400,000/- ... Rs. 2,500/- — Noor Card Key Facts Statement Jul-Dec 2026, s.2.1”
  • “Supplementary Cards: World* Annual Fee Rs. 12,500/- ... Rs. 50,000/- — Noor Card KFS Jul-Dec 2026, s.2.1”
  • “Note: Rewards points Value for Noor World Card is PKR 0.5 — Faysal Bank Schedule of Charges Jan-Jun 2026, p.52”
  • “Enjoy 1,100+ complimentary International Airport Lounge access only through Mastercard TravelPass app — Faysal Islami Noor World Card product page”
  • “Avail complimentary Airport Lounge access by making an International transaction of minimum USD 1 (local currency equivalent) — Faysal Islami Noor World Card product page”
  • “Mastercard Halal Offers for Travel, Accommodation and Dine-in Restaurants — Noor Card FAQs PDF, Q7”
  • “Cash Withdrawal Limit: ... World: Rs. 50,000/- or 10% of the card limit (whichever is lower) — Noor Card KFS Jul-Dec 2026, s.2.2”
  • “Card Conversion/Upgrade — World: Rs. 10,000 — Noor Card KFS Jul-Dec 2026, s.2.11”

What we could not verify

Faysal Bank does not publish monthly profit rate, minimum income, minimum age, maximum age, over-limit fee, documents required, reward caps, shariah certificate for this card, so we have left those blank rather than guess. If you need one of them, ask the bank directly and hold them to the answer in writing.