No. The fee waiver is only valid for transactions conducted between 01^st Jun till 31^st July 2026.

1. Point-of-Sale (POS) Transactions made at physical card machines outside Pakistan.

2. Online (e-commerce) purchases where the transaction is billed and settled in a foreign currency, regardless of the merchant’s location.

3. Transactions processed by international payment acquirers, including those where the merchant is based in Pakistan, but the transaction is settled outside Pakistan in foreign currency — such as with certain airlines or travel websites.

All transactions conducted on international POS or settled in foreign currency (USD) will be considered for foreign transaction fee.

Yes, all transactions conducted on online/ecommerce websites having international checkout option will be eligible for fee waiver.

No, the fee waiver is automatically applied to eligible transactions during the campaign.

Yes, the standard Visa exchange rate and tax applies. Only the 4% HBL transaction fee is waived.

The standard 4% foreign transaction fee will resume for all international purchases.

Call HBL Phone Banking at 021-111-111-425

T&Cs

1. Offer valid from 01^st June 2025 to 31^st July 2025 (inclusive).
2. Offer is valid for HBL Visa USD DebitCard only.
3. Offer is valid exclusively for freelancers and exporters holding an HBL Visa USD Debit Card.
4. All transactions at Point-of-Sale (POS); transactions made at physical card machines outside Pakistan, online (e-commerce) purchases where the transaction is billed and settled in a foreign currency, regardless of the merchant’s location and transactions processed by international payment acquirers, including those where the merchant is based in Pakistan but the transaction is settled outside Pakistan in foreign currency such as with certain airlines or travel websites will be eligible for this campaign.
5. International ATM transactions are not eligible for this campaign.
6. This offer cannot be combined with other fee waiver promotions.
7. Standard 4% foreign transaction fee will resume from 01^st Aug 2026.
8. As per the directives and prevailing laws of the Government of Pakistan, Advance Tax and Provincial Tax will be applicable on all transactions.
9. Foreign exchange (FX) fees are waived off for the campaign period only.
10. This fee waiver is a promotional offer for a limited time and HBL reserves right to modify/terminate this offer without prior notice.
11. Card blocked based on the regulatory requirement will continue as is.
12. Post campaign period, if reversal of transaction is initiated by merchant, it will reflect FX fee i.e. 4% which will be settled as per the applicable promotional terms & conditions.