Benefits

• Cash Withdrawal from HBL ATM and 1LINK ATM countrywide
• Funds transfer to other HBL accounts, and 1LINK member bank accounts
• Pay utility bills
• Point of Sale (POS) Transactions
• Also subscribe for optional HBL SMS Alerts service, HBL Mobile and HBL Internet Banking. Charges may apply as per prevailing schedule of charges

Debit Card daily usage limits

How to apply

New customers to

• Complete the Account Opening Form
• Select the desired card in the HBL Debit Card request section

Existing customers to

• Fill out an Additional Request Form
• Select the desired card in the HBL Debit Card request section

Terms and conditions apply

3D Secure E-commerce / Online transactions

3D Secure is the latest technology supported by 1 Link, designed to ensure safe internet-based transactions by authenticating each transaction by the HBL DebitCard customer to secure the transaction. With this service, when you use your debit card on any website, which has PayPak logo on it, you will receive a One Time Password (OTP). Please use this OTP to complete the transaction.

To avail the benefits of 3D Secure, please 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 Contact Centre 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.
• Convenience: Enjoy hassle-free online shopping. With the introduction of 3D Secure, your HBL 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 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 and click “Submit”

Step 6: Upon submission, your transaction will be processed

Chip & Pin

Welcome to a world of convenience with enhanced security. Your HBL 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 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

Once the code is received, visit any HBL ATM along with your HBL 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 DebitCard into any HBL ATM

Step 3: Select your preferred language

Step 4: Enter your 5-digit HBL 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

CARD MANAGEMENT ON HBL MOBILE

Manage all your DebitCard needs with just a few taps on HBL Mobile. Use HBL Mobile to:

• Activate your HBL DebitCard
• Generate or change DebitCard PIN
• Enable / disable ecommerce transactions
• Enable / disable International transactions
• Manage your DebitCard ATM Cash Withdrawal & POS / E-commerce transaction limits
• Temporay block and unblock your HBL DebitCard
• Permenantly Block your HBL DebitCard
• Initiate DebitCard replacement request
• View your DebitCard details on the go
• Instantly access exciting deals & discounts.

Start managing your HBL DebitCard today!

*These services are currently available to all HBL Debit Cardholders registered on HBL Mobile