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Terms & Conditions

  • HBL will contact the draw winner through their HBL registered contact number(s)​​​​
  • In the event that the winner cannot be reached on the contact information after 3 trials over 2 days, the prize shall be deemed null and void​​​​
  • All prizes and entries are non-transferrable​​​​​
  • If the winner cannot avail the prize for any reason, that prize shall be deemed null and void​​

  • If the winner doesn’t travel for any reason, additional friends/family will not be eligible to travel either.​​​
  • Travel date will be determined by HBL and cannot be changed by the winner.​​​

  • Cash redemption of prizes is not available​​​​​
  • Customer authentication shall be based on verification against Computerized National Identity Card (“CNIC”).​​​
  • HBL shall refer the eligible winners to a travel agency to assist with visa and air tickets, subject to applicable laws, regulations and approvals. However it shall remain the winner’s sole responsibility to acquire any necessary visa(s) to avail the prize. Air tickets in favor of an eligible winner and a person of choice shall only be issued after the corresponding visa is obtained​​​
  • If winners are not able to provide travel documents by February 17th, 2017, the travel prize will be null and void​​​
  • Entries subject to eligibility shall be made according to the product usage as per required criteria mentioned under “Eligibility” under Accounts, Cards and Mobile App section​​​
  • ​Only customer with a valid CNIC shall be entertained​​
  • Draw Cycle is as follows:​​​​

​Draw Date

​Draw Cycle

6th Jan, 2017

24th Dec 2016 - 5th Jan, 2017
20th Jan, 2017

6th Jan - 19th Jan, 2017

3rd Feb, 2017

20th Jan- 2nd Feb, 2017
  • Employees of HBL or any associated company of HBL (including without limitation HBL Asset Management and HBL Currency Exchange) and their immediate families, persons connected with the competition/prize draw and their immediate families i.e. prize sponsors, newsagents, wholesalers & their agents are not eligible to enter the Competition.

  • By participating in the scheme you unconditionally agree to these Terms & Conditions. By accepting these terms, you also agree to HBL’s right as the final decision making authority in all cases, with its decision being final and binding for all.

  • HBL may at any time discontinue this draw and may at any time revise these Terms and Conditions for any reason whatsoever by updating HBL’s website.  The customers are bound by any such revisions and should therefore periodically visit HBL’s website to review the current Terms and Conditions.