Habits that meaningfully lower your risk. None of these require gear you don't already own.
Most snatchings happen at traffic signals and on bike-side. Don't hold your phone at your ear near a window; use a wired earpiece or speakerphone.
Carry a small amount of cash accessibly, the rest hidden. Keep one card, not all of them. Photograph your CNIC/ID and store it in cloud email.
At night, treat every signal as pause-not-park. Leave room in front of you at reds so you can pull out if approached.
A longer route with more people and light is safer than a shortcut through empty streets, especially after 22:00.
Before parking or stepping out at an ATM, take five seconds to look at who is around you. Come back later if something feels off.
On longer or late trips, share your live location with someone you trust. Most phones support 15–60 minute sharing that turns itself off.