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Last Modified: Tuesday March 17, 2015

Car Loan
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HBL Currency Exchange
Bullet HBL DebitCard
Celebrating the history and culture of Pakistan, along with a tribute to the hundreds of artists who enrich the nation’s cultural legacy, HBL DebitCard now presents the richness within Pakistan. Through colour, landscape and exquisite crafts HBL DebitCard celebrates Pakistan everywhere it goes.

Apply for your HBL DebitCard (MasterCard, Visa or UnionPay) and choose from a range of card designs.


The HBL DebitCard empowers you to go beyond cash withdrawal.

  • Avail upto 35% discount on leading restaurants, retail outlets and hotels
    nationwide. For more details on Classic Cards click here. For more details on HBL WorldDebitCard and HBL PrestigeCard click here
  • Get up to 2% cash back on all retail transactions
  • Get a free SMS alert on every retail transaction
  • Benefit from an enhanced transaction limit on ATMs, retail stores and
      funds transfer
  • MasterCard / Visa (chip) Union Pay
    ATM Cash Withdrawal Rs. 50,000 Rs. 30,000
    POS/Online Shopping* Rs. 250,000 Rs. 150,000
    Funds Transfer Rs. 150,000 Rs. 100,000

    * This is a combined amount for POS and Online Shopping

  • Make online transactions and purchases via your HBL DebitCard
  • Swipe your HBL DebitCard to make purchases directly from your account
  • Avail additional features through an HBL ATM:
     - HBL DebitCard Activation
     - Pay utility bills


    - Transfer funds to HBL accounts or third party accounts under 1-Link Network
    - Pay mobile bills and top up your mobile credit anytime

    Warid Ufone Telenor
    Mobilink Zong

    - Pay your HBL CreditCard bills
    - Make account balance enquiries
    - Change your ATM PIN

    For more information, call HBL PhoneBanking at 111-111-425 anytime or visit www.hbl.com.

    Schedule of Bank Charges

    MasterCard/Visa Debit Card UnionPay Debit Card
    Card Issuance Fees PKR 700/- PKR 600/-
    Annual Fee PKR 700/- PKR 600/-
    Card Replacement Fees PKR 350/- PKR 250/-
    Supplementary Card Fees PKR 300/- PKR 200/-
    ATM Local Cash Withdrawal (HBL ATM) NIL NIL
    ATM Local Cash Withdrawal (non-HBL ATM) PKR 13 /- PKR 13 /-
    M-Net ATMs Balance Inquiry PKR 5 /- PKR 5 /-
    International ATM Cash Withdrawal 4% of transaction amount or PKR 400 whichever is higher 3% of transaction amount or PKR 300 whichever is higher
    International ATM Balance Inquiry PKR 300/- PKR 200/-
    POS Purchase Local Nil Nil
    POS Purchase International 4% of transaction amount 3% of transaction amount
    SMS Alert (POS Transactions) Nil Nil
    Note: Above charges are exclusive of FED.
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