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HBL PhoneBanking     111-111-425

Reward Program

HBL CreditCard offers the most exciting rewards program, with no expiry on points. As an HBL Credit Cardholder* you are automatically enrolled in the Rewards Program.

Be rewarded every time you use your HBL CreditCard. Every 25 Rupees charged to your card gives you 1 point which you can use to redeem against a variety of offers such as, dining and shopping vouchers, annual fee waivers. It's a rewards program that lets you decide what you want.

In addition, as a HBL Platinum Credit Cardholder, you can also earn 5x the reward points on foreign currency spend.

*not applicable on HBL FuelSaver CreditCard

Reward Points Balance

Easy ways to check your reward points balance:

Redeeming Points

4 easy steps to redeem your reward points:

  1. Check your accumulated reward points balance in order to avail exciting offers available with HBL Rewards Program
  2. Choose your reward of choice by viewing the offers on the Reward Booklet(s) available on (see reward booklets below in 'Partner Offers' section)
  3. Call HBL PhoneBanking at 111-111-425 and inform about the product name/product code you would like to avail as mentioned in the Rewards Booklet
  4. HBL PhoneBanking staff shall redeem your accumulated points against the available product/voucher of your choice.
  5. The product/voucher shall be delivered at your mailing address 

Pay with points

Annual Fee Reversal
You can reverse your HBL CreditCard Annual Fee by redeeming your accumulated reward points. Simply call HBL PhoneBanking to place your request for annual fee reversal against your HBL CreditCard.

HBL CreditCard

Reward Code

Reward Points*

HBL Visa Green CreditCard (Basic)
HBL Visa Green CreditCard (Supplementary)
HBL MasterCard Green CreditCard (Basic)
HBL MasterCard Green CreditCard (Supplementary)
HBL Visa Gold CreditCard (Basic)
HBL Visa Gold CreditCard (Supplementary)
HBL MasterCard Gold CreditCard (Basic)
HBL MasterCard Gold CreditCard (Supplementary)
HBL Visa Platinum CreditCard (Basic)
HBL Visa Platinum CreditCard (Supplementary)

*Reward points requirement is subject to change as per banks' policy and applicable Schedule of Bank Charges.

Partner Offers
Redeem your accumulated points for exciting rewards in the following offered categories:

  • HBL Treasure
  • Digital World
  • Timeless Precision
  • Signature Excellence
  • Leather Goods
  • Jewellery
  • Slice Your Bill
  • Prepaid Convenience
  • Home Appliances
  • Magazine
  • Personal Care
  • Enchanting Fragrances
  • Furnish your Home

Travel Rewards

Book your next travel with your HBL CreditCard and earn reward points on your airline ticket(s) purchases. For currently available travel offers, please visit:

Dining and Lifestyle Discounts

​Enjoy dining and shopping the smarter way. With your HBL CreditCard, you can get discounts at over 150 partners including your favourite restaurants and retail outlets. Not only that, as you avail these discounts, you also earn reward points.

For details regarding dining and lifestyle offers, please visit

Important Documents

Pay your bill with reward points.pdf  
Size: 103 KB
Reward Booklet (Gold and Green Card).PDF  
Size: 3770 KB
Reward Booklet (Platinum Card ).pdf  
Size: 1242 KB