Higher Reward Points

As an HBL Platinum Cardholder, you are automatically enrolled in our Rewards program. Every rupee you spend on dining, traveling, shopping, entertainment or any other purchase earns you reward points which can be redeemed for exciting rewards. These include annual fee waivers, electronics, watches, dining vouchers and a host of other gifts listed in the HBL Platinum Reward Booklet.

The reward point calculation is as follows:

One reward point will be earned on every local spending of PKR 25 whereas three reward points will be earned against a foreign currency spending equivalent to PKR 25.

Visa Privileges

Explore amazing offers that accompany your Visa card. Dine and unwind with great deals from luxury hotels, restaurants, lifestyle stores and spas. Moreover, when you travel abroad there is a dedicated Global Emergency Assistance Service provided by Visa for reporting a lost card, emergency card replacement, emergency cash advance or for other enquiries. For updated details on all privileges and for a list of contact numbers, please visit www.visacemea.com

Global Customer Assistance Services (GCAS ) – Emergency Services

GCAS offers a full range of emergency services 24 hours a day, 7 days a week. Access the GCAS numbers through the concierge hotlines if you require any assistance.The following services are offered. ​​

• Lost & Stolen Card Reporting.
• Emergency Card Replacement
• Emergency Cash Disbursement.
• Platinum Protection.

Lost & Stolen Card Reporting

In the event that you lose your Visa Platinum Card, help is just a phone call away. Simply call the Global Customer Assistance Services (GCAS) helpline and we will take care of the rest.​

Emergency Card Replacement

Visa Platinum Cardholders whose cards are lost or stolen while traveling may request a replacement card by simply calling the Global Customer Assistance Services (GCAS). We will have a replacement card delivered promptly to you to minimize any inconvenience.

Emergency Cash Disbursement

If you are overseas and require emergency cash, Global Customer Assistance Services (GCAS) will help arrange for it to be delivered to you through our worldwide network of cash disbursement agencies. Emergency cash disbursement is subject to the available balance on your Visa Platinum Card and needs to be repaid.

Platinum Protection

With Visa Platinum you have access to our medical and legal referral service. And you are automatically covered by our extended warranty and purchase protection insurances when making purchases with your Visa Platinum Card. Please refer to visa website www.visacemea.com​ for applicable policy terms and conditions.​

Platinum Privileges

Get rewarded with special offers on the things you enjoy most. Be it travel, shopping, dining, sports, music or adventure, we want you to get more from life.​ Discount on meet & greet services at over 400 airport locations worldwide.

• Discounts at 50,000 hotels worldwide at HotelClub.com.
• VISA Luxury Hotel Collection: Benefits at over 900 Luxury Hotels around the world.
• Special privileges and discounts at participating dining, lifestyle and retail outlets. For details and applicable terms & conditions please visit www.visacemea.com

International Lounge Access

Complimentary and privileged access to International Airport Lounges

Your HBL Platinum CreditCard gives you complimentary airport lounge access with Visa LoungeKey at select destinations worldwide­ ensuring a serene and luxurious travelling experience. To explore the complete list of participating lounges and to register for LoungeKey access, please visit www.Loungekey.com/visaplatinummena

Facilities Available:

• Access to airport lounges regardless of class of ticket or airline
• Complimentary drinks and snacks
• Complimentary newspapers and magazines
• Wi-Fi, laptop and mobile charging facilities
• Conference rooms and entertainment facilities

4 Easy Steps to Access Visa LoungeKey:

• Visit the LoungeKey website at www.Loungekey.com/visaplatinummena for one-time registration of your HBL Platinum CreditCard
• Use Lounge Finder, on the LoungeKey website or mobile app, to access the full list of available airport lounges
• Simply present your HBL Platinum CreditCard at the lounge reception and mention the keyword “LoungeKey”
• Your card will be swiped to register your visit and give you complimentary access to the lounge facilities

Experience more with Visa LoungeKey mobile app

Download the app to help you find lounges faster and also access secure content available only when you log in. You can download the LoungeKey app at the Apple App Store or through Google Play.

Complimentary airport lounge locations are subject to change. To find the complete up-to-date list of participating lounges, visit www.Loungekey.com/visaplatinummena and search using the lounge finder facility.

Important Note

• Cardholders will need to mention “Lounge Key” to reception staff in order to avail the facility
• The benefit of access to the Lounge is free for valid/active HBL Visa Platinum Credit Cardholders and their Supplementary Cardholders only
• Guests are not eligible for complimentary airport lounge access. Entry for guests is subject to rules and regulations of the respective lounge and may vary from lounge to lounge
• This complimentary privilege is accessible to HBL Platinum Credit Cardholders, irrespective of class of travel or airline
• Card holder’s visit allocation is limited to 6 free visits per calendar year. All additional visits and guests are charged at $27 per guest, per visit
• Participating lounges and facilities are subject to change anytime as per Visa policy. Customers should visit www.Loungekey.com/visaplatinummena for updated information prior to travelling
• All Conditions of Use of LoungeKey available on www.loungekey.com/en/visaplatinummena/conditions-of-use shall apply
• The above services are provided via third party service providers on a best effort basis. HBL makes no warranties and assumes no liability and responsibility with respect to the service provided by the vendor

Card Management on HBL Mobile  

Manage all your credit card needs with just a few taps on HBL Mobile. Use HBL Mobile to:

• Activate your HBL CreditCard and generate PIN
• Enable / disable card usage at ecommerce, POS machines, ATM and contactless transactions
• View transactions and the monthly statement for your credit card
• Pay your bill for HBL or any other bank’s credit card
• Block your HBL CreditCard
• Apply for a supplementary credit card
• Make utility bill payments and mobile top-ups
• View your card details on the go
• Apply for credit limit enhancement
• Get your advance tax certificate
• Instantly access exciting deals & discounts, installment plans and products available on HBL Rewards Program
• Manage international transactions by enabling/disabling specific countries

Start managing your HBL CreditCard today!

*These services are currently available to basic cardholders registered on HBL Mobile