Our Cards

Eligibility Criteria

*Terms and conditions apply. Additional documents may be required on a case-by-case basis.

How to Apply

Call HBL PhoneBanking or visit your nearest HBL Branch to apply for HBL CreditCards

In addition to the account opening form, a “Basic Information and Charges Sheet” is also filled in and signed by the customer. This clearly identifies the primary charges/ fees applicable and explains the essential terms of usage such as minimum payments, interest payment and payment allocation.

A detailed terms and conditions booklet and a Schedule of Bank Charges (SOBC) is delivered with HBL CreditCards for the customer to read and understand all terms of usage and associated charges prior to activating and using their credit card.

Bank Charges may be revised from time to time and are communicated to customers through SMS, statement messages and flyers in monthly statements.

WHAT’S NEW? CREDIT CARDS THROUGH HBL MOBILE!

If you are one of our select customers, you can apply for an HBL CreditCard through HBL Mobile without any paperwork or branch visits.

Just log in to HBL Mobile and apply with just 4 taps:

Step 1: Confirm your interest in HBL CreditCard through the pop-up screen

Step 2: View the key benefits and proceed

Step 3: Review and Accept the applicable Terms & Conditions

Step 4: Press OK to complete the application

Note: This offer is exclusively available to select HBL customers only. T&Cs apply

Additionally, if you are our HBL CreditCard customer, you can also apply for a supplementary HBL CreditCard via HBL Mobile without any documentation or branch visits and share the exciting benefits of an HBL CreditCard with your loved ones. Download HBL Mobile app by visiting hbl.com/m to get started!

charges

In addition to the account opening form a “Basic Information and Charges Sheet” is also filled in and signed by the customer which clearly identifies the primary charges/fees applicable and also explains the essential terms of usage such as minimum payments, interest payment and payment allocation.​

A more detailed terms and conditions booklet and Schedule of Bank Charges (SOBC) are sent with the HBL CreditCards so that customer can read and fully understand all terms of usage and associated charges prior to activation and usage of the credit card. Bank Charges may be revised from time to time and are communicated to customers through SMS, Statement messages and flyers in monthly statement.

Disclaimer

​This is to inform you that the State Bank of Pakistan (SBP) will include two years’ history of negative / overdue information (including but not limited to overdue payments, late payments, write-off or reversal of mark-up etc.) in eCIB. You are, therefore, advised to ensure timely payments of your instalments/ minimum payment to avoid any adverse information being reported or reflected on your eCIB