BENEFITS

• Exclusive Discounts
• Global acceptability
• Instant funds transfer and bill payment facility
• Get transaction alerts through SMS Alert facility
• Higher daily Cash Withdrawal Limit
• Higher spending limits

GOLD DEBIT CARDS DAILY USAGE LIMITS

HOW TO APPLY

• Complete the Account Opening Form
• Select the desired card in the HBL Islamic DebitCard request section

Existing customers to

• Fill out an Additional Request Form
• Select the desired card in the HBL Islamic DebitCard request section

Terms and conditions apply

CHIP & PIN

​Welcome to a world of convenience with enhanced security. Your HBL Islamic DebitCard is now a Chip & PIN debit card. This card provides enhanced financial security as transactions conducted with this card will be validated through a four-digit Personal Identification Number (PIN). This PIN will be the same which will be used for your ATM transactions. You will need to enter this PIN to complete your transaction on PIN enabled Point of Sale (POS) machines

Kindly note that for POS machines which do not support PIN authentication, your signature will be required on the receipt to complete the transaction.

HOW TO GENERATE A PIN?

To activate your HBL Islamic DebitCard, please follow the steps mentioned below:

Step 1: Generate your 5-digit activation code by sending the following SMS to 4250 using your mobile number registered with HBL

DC (Last 4 digits of your debit card) - Example: DC4321

DC (Last 4 digits of your debit card) - Example: DC4321

Once the code is received, visit any HBL ATM along with your HBL Islamic DebitCard, activation code and CNIC number. (This code is valid for 3 days only. In case your activation code expires, please repeat Step 1 of the card activation process to generate a new activation code)

Step 2: Insert your HBL Islamic DebitCard into any HBL ATM

Step 3: Select your preferred language

Step 4: Enter your 5-digit HBL Islamic DebitCard activation code

Step 5: Enter your date of birth (DDMMYYYY)

Step 6: Enter your 13-digit CNIC number

Step 7: Select your 4-digit PIN code

Step 8: Re-enter your PIN code

Step 9: Check for successful card activation message and memorize your PIN code

Your Personal Identification Number (PIN) should not be shared with anyone. You can view the DebitCard Terms and Conditions from the documents given below.

HOW DOES CHIP & PIN DEBIT CARD WORK?

Step 1: The merchant inserts your card at a PIN enabled POS machine and enters the transaction amount

Step 2: The POS machine will prompt for a PIN to be entered by you

Step 3: On entering the correct PIN the transaction is confirmed and completed

3D SECURE

​3D Secure is the latest technology supported by MasterCard and Visa, designed to ensure safe internet-based transactions through authentication of each transaction by the cardholder so that you use your card with more confidence. With this service, when you use your HBL Islamic DebitCard on websites that have incorporated the “MasterCard SecureCode” or “Verified by Visa” sign, you will receive a One-Time Password (OTP) either by SMS or email as you desire to complete your transaction.

To avail the benefits of 3D Secure, you must ensure that your mobile phone number and/or email address are updated with us. To update these details, please visit your parent branch or call HBL PhoneBanking at 111-111-425.

BENEFITS OF 3D SECURE

• Enhanced Protection: Get enhanced protection when shopping on 3D Secure enabled websites as authorisation of payment requires secondary verification via SMS and/or email.
• International Acceptance: Make online purchases from many international websites that prefer 3D Secure enabled cards.
• Convenience: Enjoy hassle-free online shopping. With the introduction of 3D Secure, your HBL Islamic DebitCard is automatically enabled for internet-based transactions.

HOW DOES 3D SECURE WORK?

Step 1: Shop online at any 3D Secure enabled website

Step 2: Enter your HBL Islamic DebitCard details during check-out. The online store will route the information to HBL for verification

Step 3: A window will appear asking you to select a medium (SMS or email or both) to receive a One-Time Password (OTP)

Step 4: As per your selected medium, you will receive an SMS and/or email with the unique 6-digit OTP

Step 5: Enter the 6-digit OTP, select the check-box “Agree to Terms and Conditions” and click “Submit”

Step 6: Upon submission, your transaction will be processed