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HBL PhoneBanking 111-111-425

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


  • 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.

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

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

3D Secure

HBL 3-D Secure is a global authentication service offered by HBL to its cardholders. It provides the cardholder with a One Time Password (OTP) ensuring that only the real cardholder is able to complete an Internet-based transaction, improving online security.

Chip & PIN

Your HBL DebitCard will now provide enhanced financial security to your transactions via the 4-digit PIN which you define. This PIN should be known only to you and you need to enter this PIN at the POS machine to authenticate the transaction.


Contactless technology is a fast and easy way to pay. Contactless cards have an embedded antenna in the plastic so that when it is used at a contactless reader it securely transmits purchase information to and from the contactless reader. All you have to do is hold your contactless card over the contactless reader to make the payment.

Rewards Program

HBL DebitCard Rewards Program (“HDRP”) is an incentive and promotional offer available only to the primary/basic HBL DebitCard member (and specifically excludes the Supplementary Cardmember) (“Cardmember”). For the purposes of the rewards Terms and Conditions the phrase “Cardmember” shall have the meaning as defined above in this clause and “Card” shall mean any debit card (primary/basic) issued by HBL.