About Takhfif

Pakistan's most complete bank card discount tracker

Takhfif is a free tool that aggregates bank card discount data from 21 Pakistani banks and makes it searchable in one place. As of today, we track deals at 2,183 places across 595 cities in Pakistan, covering restaurants, grocery stores, pharmacies, cinemas, travel services, and more.

The goal is simple: when you pull out your wallet, you should know which card saves you the most money at that particular place. Pakistani banks publish discount programs across dozens of PDFs, web pages, and app notifications, making it nearly impossible to comparison-shop in real time. Takhfif aggregates all of that into one searchable database.

How the data is sourced

Discount data is pulled directly from official bank sources, primarily the discount pages and partner listings on each bank's website. We do not scrape third-party aggregators or social media. Every deal entry contains a source URL pointing back to the bank's own page.

Banks included: Askari Bank, Bank Al Habib, HBL Islamic, Allied Bank, HBL, Meezan Bank, Al Baraka Bank, EasyPaisa, Bank Alfalah, MCB Bank, Bank of Punjab, Faysal Bank, JS Bank, UBL, MCB Islamic, Standard Chartered, Dubai Islamic Bank, Soneri Bank, Habib Metro Bank, Bank Islami, JazzCash.

Data is refreshed daily. Each deal has a last verified date: deals not seen in the latest scrape are automatically marked stale and ranked lower in the card rankings. Deals confirmed expired by the bank are removed from the active listings.

How card rankings work

The rankings page scores every card on a combination of:

  • Breadth: How many unique places accept the card. A chain in 30 cities counts as one place; we don't inflate scores by counting the same brand multiple times.
  • Depth: The real effective discount after applying minimum spend requirements and discount caps. A "30% off" deal with a PKR 300 cap on a PKR 5,000 minimum spend is scored at roughly 6%, not 30%.
  • Freshness: Deals verified in the last 24 hours are weighted at full value. Deals not seen recently are weighted down until re-confirmed.
  • Expiry: Deals expiring within 30 days are scaled down proportionally.

Cards with deals at fewer than 5 distinct places are excluded from the rankings; they are too niche to rank fairly against cards with broad coverage.

Data accuracy

Bank discount programs change frequently. While we refresh data daily, there can be a lag between a bank updating its website and our system picking up the change. Always verify the final discount at the point of sale. Takhfif should be used to discover deals, not as a guarantee.

If you spot a deal that is incorrect or out of date, the source URL on each deal card links directly to the bank's page so you can verify independently.

What Takhfif does not do

  • We do not issue bank cards or represent any bank.
  • We do not handle financial transactions.
  • We do not collect personal data. Saved cards are stored in your browser only.
  • We do not have commercial agreements with any of the banks listed.