Welcome to a world of convenience with enhanced security. Your HBL DebitCard is now a Chip & PIN debit card.
This card provides enhanced financial security as transactions conducted with this card will be validated through a four-digit Personal Identification Number (PIN). This PIN will be the same which will be used for your ATM transactions. You will need to enter this PIN to complete your transaction on PIN enabled Point of Sale (POS) machines
Kindly note that for POS machines which do not support PIN authentication, your signature will be required on the receipt to complete the transaction.
How to generate a PIN?
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 mobile
number registered with HBL:
DC(Last 4 digits of your debit card)
Once the code is received, visit any HBL ATM along with your HBL DebitCard, activation code and CNIC number.
1) This code is valid for 3 days only.
2) In case your activation code expires, please repeat Step 1 of the card activation process to generate a new activation code.
Step 2: Insert your HBL DebitCard into any HBL ATM
Step 3: Select your preferred language
Step 4: Enter your 5 digit HBL DebitCard activation code
Step 5: Enter your date of birth (DDMMYYYY)
Step 6: Enter your 13 digit CNIC number
Step 7: Select your 4-digit PIN code
Step 8: Re-enter your PIN code
Step 9: Check for successful card activation message and memorize your PIN code
Your Personal Identification Number (PIN) should not be shared with anyone
HBL DebitCard Terms and Conditions can be downloaded from https://www.hbl.com/Download/CNP.pdf
How does Chip & PIN Debit Card work?
Step 1: The merchant inserts your card at a PIN enabled POS machine and enters the transaction amount
Step 2: The POS machine will prompt for a PIN to be entered by you
Step 3: On entering the correct PIN the transaction is confirmed and completed
Please review the brochure attached below which provides a step-by-step guide on the card activation process along with the process of perfoming a transaction at the merchant POS