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HBL PhoneBanking     111-111-425

HBL 3D Secure Service

Starting from 15th December 2016, your HBL CreditCard is protected by Verified by Visa (VBV) and MasterCard SecureCode using 3D Secure platform for internet based transactions. 3D Secure is a latest technology supported by Visa and MasterCard, 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 CreditCard on websites that have incorporated the "Verified by Visa" or "MasterCard SecureCode" sign, you will receive a One-Time Password (OTP) either by SMS or email as you desire to complete your transaction.

Benefits of 3D Secure

Enhanced Protection

Get enhanced protection when shopping on 3D Secure enabled websites as authorization 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.


Enjoy hassle-free online shopping. With the introduction of 3D Secure, your HBL CreditCard is automatically enabled for internet-based transactions.

3D Secure FAQs - HBL CreditCard

I. General Information

3D Secure service, powered by Verified by Visa (VBV) and MasterCard SecureCode, adds an additional layer of security when using your HBL CreditCard for internet-based transactions. It provides you added protection from unauthorised internet-based transactions as you will be required to provide a One-Time Password (OTP), that is sent to your registered mobile number or email address or both, when you make any transactions on 3D Secure enabled websites.

II. OTP Generation and Authentication

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

III. Purchasing Online

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.

IV. Updating Your Contact Information


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

Important Documents

3D Secure Information Flyer.pdf  
Size: 961 KB
HBL CreditCard - Terms and Conditions.pdf  
Size: 6066 KB