Your HBL CreditCard is protected by Verified by Visa (VBV) and MasterCard SecureCode using 3D Secure platform for internet based transactions. 3D Secure is the latest technology supported by Visa and MasterCard, designed to ensure safe internet based transactions through authentication of each transaction by the cardholder so that you use your card with more confidence. With this service, upon using your HBL CreditCard on websites that have incorporated the “Verified by Visa” or “MasterCard SecureCode” sign, you will receive a One-Time-Password (OTP) either by SMS or email to complete your transaction.
A: 3D Secure service, powered by Verified by Visa (VBV) and MasterCard SecureCode, adds an additional layer of security when using your HBL CreditCard for internet-based transactions. It provides you added protection 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.
A: One Time Password (OTP) is a 6-digit online verification code sent to your mobile number or email address or both, whichever is selected to complete an internet-based transaction.
A: The 3D Secure service is available on all HBL CreditCards.
A: There is no charge for the 3D Secure service provided by HBL.
A: Registration is not required for 3D Secure. All HBL Credit Cardholders with an email and/or mobile number registered with HBL can avail this facility. However, primary HBL Credit Cardholder needs to be enrolled for either of the following services in order to conduct a 3D Secure enabled internet-based transaction:
A: No, with 3D Secure you will be able to conduct internet-based transactions without the need to call HBL PhoneBanking for session based e-commerce activation.
A: An OTP will be valid for 10 minutes only, after which the transaction needs to be reinitiated.
A: You will only receive an OTP for internet-based transactions on 3D Secure enabled websites. For non – 3D Secure enabled websites, you will not go through the OTP authentication process.
A: If you do not receive your OTP, you may click the “Resend OTP” button on the authentication screen to request a resend.
A: You have three attempts to enter the correct OTP. After three incorrect attempts, your transaction will be cancelled and you will need to reinitiate the transaction with a new OTP.
A: Please call HBL PhoneBanking at 111-111-425 immediately to block your HBL CreditCard.
A: Yes, you will receive an OTP via SMS. However, you may incur roaming charges (if any) from your mobile service provider.
A: An OTP via SMS will only be sent to your mobile number registered with HBL. Alternatively, you can opt to receive the OTP on your email address registered with HBL.
A: Yes, your supplementary cardholder will receive an OTP on their mobile number or email address registered with HBL.
To update or register your supplementary cardholder’s mobile number and/or email address, please call HBL PhoneBanking at 111-111-425.
A: Any compatible browser such as Internet Explorer, Microsoft Edge, Apple Safari, Google Chrome, Opera and Mozilla Firefox.
Please ensure that you have enabled the pop-up windows in your browser in order to complete your payment with 3D Secure authentication.
A: Look for secure transaction symbols when shopping online to ensure your account information is protected. These include a lock symbol ( ) usually found on the right or left side of your browser’s address bar and a web address that begins with “https”.
Always sign-out of any website after you make a purchase. If you can’t sign-out, close the browser window and clear your browser’s cache and history to prevent unauthorized access to your account information.
A: MasterCard SecureCode and Verified by Visa (VBV) logos will be displayed if you are performing an internet-based transaction on a 3D Secure enabled website.
A: If you have subscribed for SMS alerts, you will be notified via SMS, once the transaction is processed.
A: Immediately call HBL PhoneBanking at 111-111-425 and report the same
A: You can call HBL PhoneBanking at 111-111-425, (from your HBL registered phone number) to update your email address and/or mobile number.
A: Primary Credit Cardholders can request to enroll for SMS alerts and/or e-statement facility at any time, by simply calling HBL PhoneBanking at 111-111-425, from their phone number registered with HBL.
To update or register your supplementary cardholder’s mobile number and/or email address, please call HBL PhoneBanking.
For further information please contact HBL PhoneBanking at 111-111-425 or visit www.hbl.com
Get enhanced protection when shopping on 3D Secure enabled websites as authorization of payment requires secondary verification via SMS and/or email.
Make online purchases from many international websites that prefer 3D Secure enabled cards.
Enjoy hassle-free online shopping. With the introduction of 3D Secure, your HBL CreditCard is automatically enabled for internet-based transactions.
To avail the benefits of 3D Secure, you must be enrolled for SMS alerts and/or e-statement facilities with updated contact information i.e. mobile number and email address. Applicable for Primary Cardholders only.
To enroll for SMS alert or e-statement services or to update your mobile number and email address, simply call HBL PhoneBanking at 111-111-425.
When the Supplementary Credit Cardholder makes an online transaction at any 3D Secure website, the Supplementary Credit Cardholder will receive the OTP on his/her own registered mobile and email address. Kindly note that ONLY the Primary Credit Cardholder can update the contact details for his/her Supplementary Credit Cardholder.
Step 1: Shop online at any 3D Secure enabled website
Step 2: Enter your HBL CreditCard details during checkout
Step 3: A window will appear asking you to select a medium (SMS or email or both) to receive a One-Time Password (OTP)
Step 4: As per your selected medium, you will receive an SMS and/or email with the unique 6-digit OTP
Step 5: Enter the 6-digit OTP, select the check-box “Agree to Terms and Conditions” and click “Submit”
Step 6: Upon submission, your transaction will be processed
For more information on 3D Secure, please refer to and the 3D Secure Information Flyer.