A: One Time Password (OTP) is a 6-digit online verification code sent to your mobile number or email address or both, whichever is selected to complete an internet-based transaction.

A: The 3D Secure service is available on all HBL CreditCards.

A: There is no charge for the 3D Secure service provided by HBL.

A: Registration is not required for 3D Secure. All HBL Credit Cardholders with an email and/or mobile number registered with HBL can avail this facility. However, primary HBL Credit Cardholder needs to be enrolled for either of the following services in order to conduct a 3D Secure enabled internet-based transaction:

• E-Statement
• SMS Alert

A: No, with 3D Secure you will be able to conduct internet-based transactions without the need to call HBL PhoneBanking for session based e-commerce activation.

​A: An OTP will be valid for 10 minutes only, after which the transaction needs to be reinitiated.

A: You will only receive an OTP for internet-based transactions on 3D Secure enabled websites. For non – 3D Secure enabled websites, you will not go through the OTP authentication process.

A: If you do not receive your OTP, you may click the “Resend OTP” button on the authentication screen to request a resend.

A: You have three attempts to enter the correct OTP. After three incorrect attempts, your transaction will be cancelled and you will need to reinitiate the transaction with a new OTP.

A: Please call HBL PhoneBanking at 111-111-425 immediately to block your HBL CreditCard.

A: Yes, you will receive an OTP via SMS. However, you may incur roaming charges (if any) from your mobile service provider.

A: An OTP via SMS will only be sent to your mobile number registered with HBL. Alternatively, you can opt to receive the OTP on your email address registered with HBL.

A: Yes, your supplementary cardholder will receive an OTP on their mobile number or email address registered with HBL.

To update or register your supplementary cardholder’s mobile number and/or email address, please call HBL PhoneBanking at 111-111-425.

A: Any compatible browser such as Internet Explorer, Microsoft Edge, Apple Safari, Google Chrome, Opera and Mozilla Firefox.

Please ensure that you have enabled the pop-up windows in your browser in order to complete your payment with 3D Secure authentication.

A: Look for secure transaction symbols when shopping online to ensure your account information is protected. These include a lock symbol ( ) usually found on the right or left side of your browser’s address bar and a web address that begins with “https”.

Always sign-out of any website after you make a purchase. If you can’t sign-out, close the browser window and clear your browser’s cache and history to prevent unauthorized access to your account information.

A: MasterCard SecureCode and Verified by Visa (VBV) logos will be displayed if you are performing an internet-based transaction on a 3D Secure enabled website.

A: If you have subscribed for SMS alerts, you will be notified via SMS, once the transaction is processed.

A: Immediately call HBL PhoneBanking at 111-111-425 and report the same

A: You can call HBL PhoneBanking at 111-111-425, (from your HBL registered phone number) to update your email address and/or mobile number.

A: Primary Credit Cardholders can request to enroll for SMS alerts and/or e-statement facility at any time, by simply calling HBL PhoneBanking at 111-111-425, from their phone number registered with HBL.

To update or register your supplementary cardholder’s mobile number and/or email address, please call HBL PhoneBanking.
For further information please contact HBL PhoneBanking at 111-111-425 or visit www.hbl.com