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HBL 3D Secure Service

Your HBL CreditCard is protected by Verified by Visa (VBV) and MasterCard SecureCode using 3D Secure platform for internet based transactions. 3D Secure is a latest technology supported by Visa and MasterCard, designed to ensure safe internet based transactions through authentication of each transaction by the cardholder so that you use your card with more confidence. With this service, when you use your HBL CreditCard on websites that have incorporated the "Verified by Visa" or "MasterCard SecureCode" sign, you will receive a One-Time Password (OTP) either by SMS or email as you desire to complete your transaction.

Benefits of 3D Secure

Enhanced Protection

Get enhanced protection when shopping on 3D Secure enabled websites as authorization of payment requires secondary verification via SMS and/or email.

International Acceptance

Make online purchases from many international websites that prefer 3D Secure enabled cards.


Enjoy hassle-free online shopping. With the introduction of 3D Secure, your HBL CreditCard is automatically enabled for internet-based transactions.

How can I enable 3D Secure?

To avail the benefits of 3D Secure, you must be enrolled for SMS alerts and/or e-statement facilities with updated contact information i.e. mobile number and email address. Applicable for Primary Cardholders only.

To enroll for SMS alert or e-statement services or to update your mobile number and email address, simply call HBL PhoneBanking at 111-111-425.

3D Secure transactions with your HBL Supplementary CreditCard

When the Supplementary Credit Cardholder makes an online transaction at any 3D Secure website, the Supplementary Credit Cardholder will receive the OTP on his/her own registered mobile and email address. Kindly note that ONLY the Primary Credit Cardholder can update the contact details for his/her Supplementary Credit Cardholder.

How does 3D Secure work?

Step 1: Shop online at any 3D Secure enabled website

Step 2: Enter your HBL CreditCard details during checkout

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, select the check-box “Agree to Terms and Conditions” and click “Submit”

Step 6: Upon submission, your transaction will be processed

For more information on 3D Secure, please refer to FAQs (Frequently Asked Questions) and the 3D Secure Information Flyer.

3D Secure FAQs - HBL CreditCard

I. General Information

3D Secure service, powered by Verified by Visa (VBV) and MasterCard SecureCode, adds an additional layer of security when using your HBL CreditCard for internet-based transactions. It provides you added protection from unauthorised internet-based transactions as you will be required to provide a One-Time Password (OTP), that is sent to your registered mobile number or email address or both, when you make any transactions on 3D Secure enabled websites.

II. OTP Generation and Authentication

An OTP will be valid for 10 minutes only, after which the transaction needs to be reinitiated.

III. Purchasing Online

Any compatible browser such as Internet Explorer, Microsoft Edge, Apple Safari, Google Chrome, Opera and Mozilla Firefox.
Please ensure that you have enabled the pop-up windows in your browser in order to complete your payment with 3D Secure authentication.

IV. Updating Your Contact Information


You can call HBL PhoneBanking at 111-111-425, (from your HBL registered phone number) to update your email address and/or mobile number.

Important Documents

Terms and Condition - English.pdf  
Size: 8420 KB
3D Secure Flyer(HBL CreditCard).pdf  
Size: 1000 KB