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FAQs

Frequently Asked Questions

FAQs
HBL DebitCard FAQs

A: 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 HBL registered mobile number:

DC(Last 4 digits of your Debit card)
Example: DC4321

Note:

  • This activation code will be valid for 3 days only.
  • In case your activation code expires, follow step 1 to re-generate your activation code.

Step 2: Visit any HBL ATM with your HBL DebitCard, CNIC number and 5 digit activation code.

Step 3: At the HBL ATM, follow the steps mentioned below:

  • Insert your HBL DebitCard into the ATM and select your preferred language (English or Urdu)
  • Enter the 5 digit activation code
  • Enter your date of birth (DD-MM-YYYY)
  • Enter your 13-digit CNIC number
  • Enter a 4-digit ATM PIN of your choice using the keypad
  • Re-enter the ATM PIN for validation

Once you have completed these steps, your HBL DebitCard will be activated.

A: To change your ATM PIN, visit any HBL ATM, enter your current PIN, select “More Options” and go to “Change PIN.”​

A: Cont​act HBL PhoneBanking at 111-111-425 or visit an HBL Branch.

A: You can submit a written request or an Additional Request Form to your home branch mentioning clearly the change in your details.​​

A: Present your HBL DebitCard to the merchant for your purchases. The merchant will insert your card on the electronic Point of Sale (POS)​ terminal When you receive the charge slip, check the amount, then proceed to sign it . Please note that for cardholders who are prompted for a PIN at the POS device ( PIN for both ATM / POS usage is same) there will be no sales slip to sign, but rather the cardholder will be required to enter his / her PIN on the POS terminal, after which a receipt shall be printed and handed over to the cardholder (which does not require a signature).Don’t forget to take your card & your transaction slip back from the merchant.

A: HBL DebitCard cash back facility is available till July 9th, 2016

A: You are required to activate international usage on your HBL DebitCard before travelling. This can be done by calling HBL PhoneBanking through your registered phone number and place international usage activation request.

As per Federal Budget 2018-19, an advance tax of 1% for filers and 3% for non-filers is applicable from 1st July 2018 on all foreign transactions conducted on HBL DebitCard.

A: HBL DebitCard is internationally accepted at retail outlets where MasterCard, Visa or UnionPay cards are accepted. It is also acceptable at all ATMs abroad that carry the MasterCard, Visa or Plus logos. You can view your account details and withdraw cash with the same ATM PIN that is used in your home country. Please note that you will need to activate international usage on your card by calling HBL PhoneBanking through your registered number with HBL.

As per Federal Budget 2018-19, an advance tax of 1% for filers and 3% for non-filers is applicable from 1st July 2018 on all foreign transactions conducted on HBL DebitCard.

A: HBL ATMs can be used for cash withdrawals, HBL DebitCard activation, balance inquiry, mini statement generation, utility bill payments, credit card payments, mobile bill payments, interbank and intrabank funds transfer.

A: You should immediately call HBL PhoneBanking at 111-111-425 or go to your nearest HBL branch where branch staff will assist you. Upon your request, your card will be blocked and you will be issued a replacement card.

A: Any fraudulent or disputed transaction on your HBL DebitCard should be reported to HBL PhoneBanking at 111-111-425. The bank will scrutinise the transaction and update you on the same.

A: You need to immediately notify HBL PhoneBanking at 111-111-425.

A: HBL DebitCard provides a higher level of security when used at a chip-reading terminal. The technology in the chip makes it difficult for the card to be copied or counterfeited.​​

A: You can link your additional account with HBL DebitCard by calling HBL PhoneBanking at 111-111-425 or visit your HBL home branch and fill an Additional Request Form.​

A: You can apply for card replacement by visiting your home branch or calling HBL PhoneBanking at 111-111-425.

A: Call HBL PhoneBanking any time on 111-111-425 to lodge a complaint. You will be provided with a complaint number accordingly. The Bank shall ensure that complaints are responded to by mail or phone within 10 business days. Meanwhile, we assure you that your complaint will be resolved, no later than 45 business days.​​

​In order to lodge a written complaint, write to us on the following address

Complaint Resolution Unit
HBL PhoneBanking
3rd Floor, HBL Plaza, Karachi.