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HBL PhoneBanking 111-111-425

HBL CreditCard FAQs

Card Basics

Upon receiving your HBL CreditCard, simply call HBL PhoneBanking at 111-111-425 from your registered contact number or login to HBL Mobile to activate your card.

Credit Limit

Your credit limit is displayed on the Welcome Letter you receive with your card. Besides this, your statement also holds details like total limit, current balance (outstanding) and available balance

Revolving Credit

If you send a payment for the Total Amount Due before the “Payment Due Date”, no interest charges would be applicable. Thus you can enjoy interest – free credit from the date of purchase to the date on which the payment is due. That can be as high as 51 days. However, for certain transactions like cash withdrawals and balance transfers, interest charges would be applied from the date of transaction till the date of payment.

If you send a payment for the “Minimum Amount Due” or pay any part amount less than the “Total Amount Due”, interest charges are applied on the outstanding amount from transaction date and on any new transactions that you make subsequently till the statement generation date.

If there are some unpaid “Minimum Amounts Due” of previous statements, then these will also be added on the “Minimum Amount Due” of your current statement.

If you have for some reason exceeded your credit limit then the amount by which you have exceeded the credit limit will also be added to the “Minimum Amount Due”. ​​

Settling the Bill

Your monthly credit card statement will indicate the minimum payment as the payment due date. You could also get the same information through our 24-hour HBL PhoneBanking Service by dialing 111-111-425

Fee & Charges

For cash withdrawals through ATMs or over the counter transactions, a nominal fee will be charged as per the Schedule of Charges


You can simply inform us of your new mailing address by calling HBL PhoneBanking at 111-111-425 and updating your profile or by sending a written request at the following address:
Customer Services Department
3rd Floor, HBL Plaza,
I.I. Chundrigar Road, Karachi.

3D Secure

3D Secure is a security feature for internet-based credit card transactions. It protects you 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.

HBL Qatar Airways CreditCard

Privilege Club is the frequent-flyer program operated by Qatar Airways whereby a Qatar Airways Privilege Club Member will be awarded Qmiles which may be used to acquire air travel and other benefits
Card Type
Redemption Discount %
On accumulation of 7,500 Qmiles through HBL Qatar Airways CreditCard usage every card anniversary year
35% discount on one redemption ticket via accumulated Qmiles to be utilized within 12 months from the offer qualification date
On accumulation of 5,000 Qmiles through HBL Qatar Airways CreditCard usage every card anniversary year
25% discount on one redemption ticket via accumulated Qmiles to be utilized within 12 months from the offer qualification date
The redemption discount can be utilized within 12 months from offer qualification date. For instance, your HBL Qatar Airways CreditCard anniversary date is 15th November 2018 and you reach the defined annual Qmiles target by 31st May 2019. In this case you are eligible to avail the applicable redemption discount within 12 months from the offer qualification date i.e. from 1st June 2019 to 31st May 2020 period.

Chip & PIN

In order to ensure the security of our cardholder’s financial information and to prevent fraud, all HBL Cardholders will be gradually updated to a Chip & PIN card.

Contactless Payments

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.