HBL DebitCard FAQs

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 HBL registered mobile number:

DC(Last 4 digits of your Debit card)
Example: DC4321

Note:

This activation code will be valid for 3 days only.
In case your activation code expires, follow step 1 to re-generate your activation code.

Step 2: Visit any HBL ATM with your HBL DebitCard, CNIC number and 5 digit activation code.

Step 3: At the HBL ATM, follow the steps mentioned below:

Insert your HBL DebitCard into the ATM and select your preferred language (English or Urdu)
Enter the 5 digit activation code
Enter your date of birth (DD-MM-YYYY)
Enter your 13-digit CNIC number
Enter a 4-digit ATM PIN of your choice using the keypad
Re-enter the ATM PIN for validation

Once you have completed these steps, your HBL DebitCard will be activated.

Q: How do I change my ATM PIN?

To change your ATM PIN, visit any HBL ATM, enter your current PIN, select “More Options” and go to “Change PIN.”

Q: What should I do if my ATM PIN is not working?

Contact HBL PhoneBanking at 111-111-425 or visit an HBL Branch.

Q: What should I do in case my details change?

You can submit a written request or an Additional Request Form to your home branch mentioning clearly the change in your details.

Q: How can I use my card at a Point of Sale?

Present your HBL DebitCard to the merchant for your purchases. The merchant will swipe your card on the electronic Point of Sale (POS) terminal. When you receive the charge slip, check the amount, then proceed to sign it. Don’t forget to take your card & your transaction slip back from the merchant.

Q: Till when is the cash back facility available on HBL DebitCard?

HBL DebitCard cash back facility is available till July 9^th, 2016

Q: How can I shop online?

Call HBL PhoneBanking from an HBL registered mobile/phone number and request for e-commerce activation on your HBL DebitCard. The Phone Banking Officer will ask a few security questions before the activation of this service.

Q: While traveling overseas do I need to activate my HBL DebitCard for International usage?

You are required to activate international usage on your HBL DebitCard before travelling. This can be done by calling HBL PhoneBanking through your registered phone number and place international usage activation request.

As per Federal Budget 2018-19, an advance tax of 1% for filers and 3% for non-filers is applicable from 1st July 2018 on all foreign transactions conducted on HBL DebitCard.

Q: Can my HBL DebitCard be used at shops/ATMs abroad?

HBL DebitCard is internationally accepted at retail outlets where MasterCard, Visa or UnionPay cards are accepted. It is also acceptable at all ATMs abroad that carry the MasterCard, Visa or Plus logos. You can view your account details and withdraw cash with the same ATM PIN that is used in your home country. Please note that you will need to activate international usage on your card by calling HBL PhoneBanking through your registered number with HBL.

As per Federal Budget 2018-19, an advance tax of 1% for filers and 3% for non-filers is applicable from 1st July 2018 on all foreign transactions conducted on HBL DebitCard.

Q: What services are offered at HBL ATMs?

HBL ATMs can be used for cash withdrawals, HBL DebitCard activation, balance inquiry, mini statement generation, utility bill payments, credit card payments, mobile bill payments, interbank and intrabank funds transfer.

Q: What should I do in the event of my card being lost or stolen?

You should immediately call HBL PhoneBanking at 111-111-425 or go to your nearest HBL branch where branch staff will assist you. Upon your request, your card will be blocked and you will be issued a replacement card.

Q: If I suspect that information on my HBL DebitCard has been compromised or has been used to make fraudulent purchases, what should I do?

Any fraudulent or disputed transaction on your HBL DebitCard should be reported to HBL PhoneBanking at 111-111-425. The bank will scrutinise the transaction and update you on the same.

Q: What should I do if I suspect my HBL DebitCard has been tampered with?

You need to immediately notify HBL PhoneBanking at 111-111-425.

Q: Are chip based debit cards safer to use than magnetic strip cards?

HBL DebitCard provides a higher level of security when used at a chip-reading terminal. The technology in the chip makes it difficult for the card to be copied or counterfeited.

Q: How can I shop Online?

Follow the simple steps listed below to begin your online shopping experience

Call HBL PhoneBanking from an HBL registered mobile/phone number and request for e-commerce activation on your HBL DebitCard
The Phone Banking Officer will ask for a few security questions before the activation of this service
For session activation, specify the time period for which you want to use your card on the internet; the maximum amount you wish to spend and the number of transactions you would like to perform during the session
Once your card is activated for online shopping/e-commerce, perform any type of internet transaction using your HBL DebitCard for the duration, amount and frequency you have chose
Your card will become inactive for internet transactions as soon as the session time / amount / frequency ends
While shopping online, please look for secure transaction symbols to ensure your account information is protected. These include a lock in the lower right-hand corner of your browser window and a web address that begins with "https"
Always log off from any site after you make a purchase, if you cannot log off close the browser to prevent unauthorised access to your account information

Q: How can I link my additional account to my HBL DebitCard?

You can link your additional account with HBL DebitCard by calling HBL PhoneBanking at 111-111-425 or visit your HBL home branch and fill an Additional Request Form.

Q: How can I apply for card replacement?

You can apply for card replacement by visiting your home branch or calling HBL PhoneBanking at 111-111-425.

Q: What do I do if I want to lodge a complaint?

Call HBL PhoneBanking any time on 111-111-425 to lodge a complaint. You will be provided with a complaint number accordingly. The Bank shall ensure that complaints are responded to by mail or phone within 10 business days. Meanwhile, we assure you that your complaint will be resolved, no later than 45 business days.

In order to lodge a written complaint, write to us on the following address

Complaint Resolution Unit
HBL PhoneBanking
3rd Floor, HBL Plaza, Karachi.

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HBL DebitCard FAQs