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Last Modified: Tuesday March 17, 2015

 
   
 
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Bullet FAQs
How do I activate my HBL CreditCard?
Where can I use my HBL CreditCard?
Can I use my Credit Card for purchases on the internet?
What should I do if my Credit card or any of my Supplementary Cards is lost, stolen, misplaced or damaged?
Can I retain my Credit Card if I emigrate?
How can I apply for a Supplementary Card?
How many supplementary card members can I have?
How do I know my credit limit?
How much cash can I withdraw on my HBL CreditCard?
What is the Revolving Credit Facility?
Are there any interest charges?
When do I start paying interest on new purchases if I am already revolving credit?
When will the interest charge stop?
What is the HBL Balance Transfer Facility?
How do I know how much I have to pay?
When will I receive my Credit Card Statement?
What is the credit period?
What if I have a discrepancy error on my monthly statement?
How do I pay my Credit Card bill?
What is the Direct Debit facility?
What happens if my cheque gets delayed in the mail beyond the payment due date?
How can I make payments if I am abroad?
Will I be charged a fee for cash withdrawal/cash advance?
Do I have to pay a fee to participate in the Rewards Program?
How should I handle an address change request?
Are utility payments considered a cash transaction or a retail transaction?
What if I don’t want my card, or wish to cancel it?
What should I do if I have problems with my HBL CreditCard account?
How can I get a credit limit increase?
How do I decrease my credit limit?
What are the phone numbers in case of an emergency?
Can I use my Reward points to pay my credit card annual fee?
Do my Reward points expire?
How do I redeem points for rewards?
Card basics
How do I activate my HBL CreditCard?
Upon receiving your HBL CreditCard, simply call HBL PhoneBanking at 111-111-425 from one of your officially registered contact numbers.
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Where can I use my HBL CreditCard?
Your HBL CreditCard can be used in Pakistan as well as globally for any transaction at any merchant outlet accepting VISA and/or MasterCard Credit Cards.
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Can I use my HBL CreditCard for Internet shopping?
Yes, your HBL CreditCard can be used for purchases on the Internet.
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What should I do if my Credit Card or any of my Supplementary Cards is lost, stolen, misplaced or damaged?
In the event that the card(s) is lost, stolen or misplaced, please report it immediately to our HBL PhoneBanking on 111-111-425. After you have informed us, you will instantly be secured against any unauthorized transactions.
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Can I retain my Credit Card if I emigrate?
All HBL CreditCards are issued to Pakistan residents only. Therefore, under HBL Policy Guidelines, you have to surrender your cards to the bank if you are proceeding abroad on employment or on emigration.
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How can I apply for a Supplementary Card?
You can request for a supplementary card application form, just by calling our 24-hour HBL PhoneBanking Centre at 111-111-425, or by visiting any of your local HBL branches, where you could get the relevant information from our branch representative, who will assist you in filling the application form.
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How many supplementary card members can I have?
You may enroll up to 6 supplementary cardholders. You and your supplementary cardholders share a single credit limit.
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Credit Limit
How do I know my credit limit?
Your credit limit is displayed on the Welcome Letter you receive with your card. Besides this, your statement also holds details like total limit, current balance (outstanding) and available balance.
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How much cash can I withdraw on my HBL CreditCard?
You can withdraw cash up to 50% of your credit limit on your Green Card and 75% of your credit limit on your Gold Card. For example, if your credit limit is Rs. 300,000/- and your withdrawal limit is 75% then your cash withdrawal limit will be Rs. 225,000/-
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Revolving Credit
What is the Revolving Credit Facility?
When you receive your bill, you have the flexibility of selecting any of the following payment options:
Pay the total amount due.
Pay only the minimum amount due and the balance can be carried forward to subsequent statements.
Pay any amount ranging from the minimum amount due to the total amount due.
Should you opt for the last two payment options, then the amount due is carried forward to the next billing period. This is referred to as the Revolving Credit Facility.
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Are there any interest charges?
If you send a payment for the Total Amount Due before the “Payment Due Date”, no interest charges would be applicable. Thus you can enjoy interest – free credit from the date of purchase to the date on which the payment is due. This can be as high as 51 days. However, for certain transactions like cash withdrawals and balance transfers, interest charges would be applicable from the date of transaction till the date of payment.

If you send a payment for the “Minimum Amount Due” or pay any part amount less than the “Total Amount Due”, interest charges are applied on the outstanding amount from transaction date and on any new transactions that you make subsequently till the statement generation date.

If there are some unpaid “Minimum Amounts Due” of previous statements, then these will also be added on the “Minimum Amount Due” of your current statement.

If you have for some reason exceeded your credit limit then the amount by which you have exceeded the credit limit will also be added to the “Minimum Amount Due”.

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When do I start paying interest on new purchases if I am already revolving credit?
If you are revolving your credit, new purchases attract interest from their date of purchase.
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When will the interest charge stop?
If all outstanding charges are paid at any point of time, the interest charges will cease to apply immediately.
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What is the HBL Balance Transfer Facility?
The HBL Balance Transfer Facility allows you to transfer your outstanding balance from your other bank's Credit Cards to your HBL CreditCard at interest rates as low as 2% per month. To know more about the HBL Balance Transfer Facility and/or to apply for one, call our 24-hour HBL PhoneBanking at 111-111-425.
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Settling the bill
How do I know how much I have to pay?
Your monthly credit card statement will indicate the minimum payment as the payment due date. You could also get the same information through our 24-hour HBL PhoneBanking Service by dialing 111-111-425.
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When will I receive my Credit Card Statement?
Your Credit Card Statement is generated every month on the date indicated as the Statement Date. If you do not receive it within 10 days from said date, kindly contact HBL PhoneBanking and we will advise you of the amount payable and arrange to send a copy so you can avoid late charges.
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What is the credit period?
Card Payment due Maximum interest free period available*
Platinum 21 51
Gold 21 51
Green 21 51
* This is applicable provided the total payment due shown in the previous statement is settled in full.
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What if I have a discrepancy error on my monthly statement?
If you notice any discrepancy in your monthly statement, report the matter to our 24-hour HBL PhoneBanking on 111-111-425, within 14 days of receipt of your statement. In order to check statement entries, retain all your sales slips and printed receipts. This will help you keep a record of all your transactions.
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How do I pay my HBL CreditCard bill?
Drop cheques at the 'drop box' facility at specified HBL branches and ATM centers.
Cash payments are accepted only at all HBL branches during banking hours.
HBL Account holders can avail the convenience of the direct debit facility.
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What is the Direct Debit facility?
Direct Debit facility allows HBL Account Holders to give standing instructions to pay their credit card bills (either minimum amount or total amount due) directly through their bank account. Simply give written or telephonic instructions to HBL to directly debit the payment from your account every month or call our 24-hour HBL PhoneBanking Service at 111-111-425.
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What happens if my cheque gets delayed in the mail beyond the payment due date?
If your payment is not received by the payment due date, a late fee is applicable on the outstanding amount.
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How can I make payments if I am abroad?
If you are living outside Pakistan, we recommend that you make payments through HBL Internet Banking. You may also take advantage of the Direct Debit Facility, which would be a safer and faster way of making payments towards your credit card.
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Fee & Charges
Will I be charged a fee for cash withdrawal/cash advance?
For cash withdrawals through ATMs or over the counter transactions, a nominal fee will be charged as per the Schedule of Charges.
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Do I have to pay a fee to participate in the Rewards Program?
No, there is no fee. Upon activating your HBL CreditCard, you are automatically enrolled in our Rewards Program.
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Miscellaneous
How should I handle an address change request?
You can simply inform us of your new mailing address by calling HBL PhoneBanking at 111-111-425 and updating your profile or by sending a written request at the following address:
Customer Services Department

3rd Floor, HBL Plaza,
I.I. Chundrigar Road, Karachi.

You can also email your request at: customer.complaints@hbl.com
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Are utility payments considered a cash transaction or a retail transaction?
They are considered a retail transaction and customers may earn Reward Points by conducting such transactions.
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What if I don’t want my card, or wish to cancel it?
If for any reason, you do not wish to continue using your HBL CreditCard, please cut the card into half, and send both halves to the following address:

Customer Services Department
3rdFloor, HBL Plaza,
I.I. Chundrigar Road, Karachi.

You can also call HBL PhoneBanking and place your request for card cancelation.
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What should I do if I have problems with my HBL CreditCard account?
If at any time you face a problem regarding your credit card account, call our 24-hour HBL PhoneBanking at 111-111-425 or you can email your enquiries on our online helpline at:
customer.complaints@hbl.com
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How can I get a credit limit increase?
You can call HBL PhoneBanking at 111-111-425 and place request for a credit limit increase.
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How do I decrease my credit limit?
You may request a decrease on your Credit Limit over the phone. The credit limit cannot be any lower than the minimum limit of the product.
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What are the phone numbers in case of an emergency?
In an emergency, contact HBL PhoneBanking immediately on 111-111-425 if in Pakistan or if overseas call HBL PhoneBanking on +9221-111-111-425
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Can I use my Reward points to pay my credit card annual fee?
Yes, you can use your points to pay your annual fee. Once your annual fee appears on your credit card statement you can redeem your points for the annual fee and we will credit your card with the relevant amount. You can even pay your supplementary cards' fee using this method.
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Do my Reward points expire?
No. Your Reward points do not expire as long as your account is operated in accordance with the Terms and Conditions.
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How do I redeem points for rewards?
You may redeem your reward points by calling HBL PhoneBanking on 111-111-425. Make sure your delivery address and phone numbers are up to date in our system so that we can ensure your rewards arrive as soon as possible. It can take up to 3-4 weeks for delivery of some merchandise items.
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