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HBL PhoneBanking 111-111-425

Features & Benefits

  • Peace of Mind
  • Freedom & Flexibility
  • Convenience

Peace of Mind

International Acceptance

Your HBL Credit Card gives you the freedom to purchase anything you want. If you are travelling abroad, do not forget to carry your HBL Credit Card. It is internationally valid and has a wide acceptance globally at over 22 million merchant establishments.


Your HBL Credit Card gives you peace of mind knowing that your money is completely secure. Since you won’t be carrying cash, you are not at risk of losing your money. Our HBL Credit Card comes with an embedded microchip which provides additional security against counterfeiting and duplication of cards. So now you can shop and travel with added confidence with your chip based HBL Credit Card.

Zero Liability on Lost Card

If you lose your Credit Card, report it immediately to our 24 hour HBL PhoneBanking. After reporting the loss, you carry zero liability on any fraudulent transactions made with your card.

Insurance Plans

HBL Credit Card offers insurance plans protecting against the uncertainties of life such as illness, disability or death. With an array of diverse insurance products offered; you now have the power to protect yourself, your loved ones and your possessions against unforeseen situations at affordable premiums.

Insurance PlanAmount CoveredEvent Covered
Credit ShelterOutstanding BalanceCard Holder Death Permanent/Temporary Disability
Credit Shelter PlusOutstanding Balance (equivalent to credit limit)Card Holder Death Permanent Disability
Credit ShieldOutstanding BalanceCard Holder Death Permanent/Temporary Disability

ATM Cash Withdrawals

If you find yourself in a situation where you require cash urgently, you can go to any 1 link ATM in Pakistan and more than 780,000 ATMs and financial institutions worldwide displaying the VISA/Plus/MasterCard logo. You can withdraw cash up to the available cash advance limit on your HBL Credit Card. For applicable rates,please refer to the Schedule of Bank Charges.

Freedom & Flexibility

Buy now, pay later

The HBL Credit Card provides you the luxury of buying what you want, when you want it. What’s more you will have the flexibility of paying later. A credit card statement will be sent to you every month with details of all your purchase. You can enjoy interest-free credit from the date of purchase to the date on which payment is due. This can be as high as 51 days. However for certain transactions like cash withdrawals and balance transfer, interest charges would be applicable from the date of transaction till the date of payment. Please pay at least 3 working days in advance if you are making your payment by cheques to allow enough time for clearance.

Pay as much as you want

You have the freedom to pay the entire outstanding amount on your card statement or as little as 5% of the outstanding balance in your statement the remaining amount will be transferred to next month’s statement. A nominal service charge will be applied to the unpaid amount each month.

Balance Transfer Facility

Now you can really save big time with your HBL Credit Card Balance Transfer Facility! You have the opportunity to pay off balance you owe to other banks through your HBL Credit Card on lower service charges. Transferring your balances to your HBL Credit Card is simply a phone call away; just call our 24 hours HBL PhoneBanking at 111-111-425.

HBL Instalment Plan

Add value to your shopping experience with your HBL Credit Card and make your shopping a lot more convenient and rewarding. Enjoy the flexibility to convert your purchases on your HBL Credit Card to an easy HIP and pay in installments at your convenience. HBL Instalment Plan is available on retail transactions and can be availed by calling HBL PhoneBanking. For applicable charges, please refer to the Schedule of Bank Charges.​

Bill Payment

Wouldn’t life be easier if you could pay all your bills from the comfort of your home without having to stand in line? Just login to HBL InternetBanking or visit an HBL ATM and charge the amount to your HBL Credit Card. You can check the amount in your monthly card statement and make the payment along with your regular card payment. This way you only have to make a payment once a month!


24/7 Customer Services

Enjoy service at your finger tips. Wherever you are in the world, as a HBL Credit Cardholder you'll always have 24/7 access to our HBL PhoneBanking at 111-111-425. So whether it is card and account enquiries, bill payments, reward redemption, we're only one call away.

HBL Internet Banking

A simple, hassle-free and secured Internet banking service that allows HBL CreditCard customers to perform banking transactions through the Internet anywhere and anytime of the day. Register at and you can view your monthly statement, follow payment status and make bill payments along with a host of other online services.

Supplementary Cards

Think how much easier your life would be if you shared your credit card account with those closest to you – imagine the convenience of one statement, one monthly payment and one credit limit for all your joint purchases like groceries, petrol, etc. As a HBL Credit Cardholder, you can now avail up to 6 supplementary cards and share HBL Credit Card benefits with your family members.​

SMS Alerts

For all transactions, an SMS alert will be sent to you on your mobile phone to confirm that the transactions have been conducted by you. A nominal fee will be charge for this service.

e -Statement

For the paperless convenience of customers who like to have access to their credit card statement through email, you can enroll for an e-statement with a simply call. An e-statement with details for all your transactions will be sent to your specified email address every month. You won’t have to wait for your paper statement any more or have to worry about storing it anywhere. You can be completely paperless!