Access your account 24/7 with your HBL Debit Card. Not only you shop cash-less and hassle free, your transactions list is always available in your account statement
Charges (if any) may apply as per prevailing schedule of charges
|Withdrawal||PKR 50,000/-||PKR 50,000/-||PKR 50,000/-|
|Purchase (POS)||PKR 250,000/-||PKR 250,000/-||PKR 250,000/-|
|Funds Transfer||PKR 150,000/-||PKR 150,000/-||PKR 150,000/-|
Above limits are for HBL EMV CHIP based cards however, limits may vary for Magstripe based cards.
New customers to
Existing customers to
Terms and conditions apply
HBL UnionPay DebitCards are now protected by UPOP using UPOP SecurePay interface for internet-based transactions. UPOP SecurePay is the latest technology supported by UPOP, designed to ensure safe and secure internet-based transactions through authentication of each transaction by the cardholder so that you use your card with more conﬁdence. With this service, when you use your HBL UnionPay DebitCard on websites that have incorporated the UPI SecurePay, you will receive a One-Time Password (OTP) through SMS to complete your transaction.
To avail the beneﬁts of UPOP SecurePay, please ensure that your mobile phone number and/or email address are updated with us. To update these details, please visit your parent branch or call HBL PhoneBanking at 111-111-425.
Step 1 - Select the goods or services you want to purchase from the merchant websites and proceed to the payment page
Step 2 - You will be asked to select payment mode. If UnionPay is selected, you will be forwarded to UnionPay Online Payments (UPOP) hosted payment page
Step 3 - You will be required to enter the UnionPay DebitCard number, payment information and registered mobile number and click submit
Step 4 - Upon successful validation, you will receive a 6-digit Dynamic Verification Code
Step 5 - You will enter the expiry date, CVN (3-digit code printed on the back of the UnionPay DebitCard) and the Dynamic Verification Code on the UnionPay Online Payments (UPOP) hosted payment page
Step 6 – Upon successful transaction you will see the response on the e-Commerce website and will also get SMS from HBL on your registered mobile number
3D Secure is the latest technology supported by MasterCard and Visa, 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, when you use your HBL DebitCard on websites that have incorporated the “MasterCard SecureCode” or “Veriﬁed by Visa” sign, you will receive a One-Time Password (OTP) either by SMS or email as you desire to complete your transaction.
To avail the beneﬁts of 3D Secure, you must ensure that your mobile phone number and/or email address are updated with us. To update these details, please visit your parent branch or call HBL PhoneBanking at 111-111-425.
Step 1: Shop online at any 3D Secure enabled website
Step 2: Enter your HBL DebitCard details during check-out. The online store will route the information to HBL for veriﬁcation
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
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.
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) - Example: DC4321
Once the code is received, visit any HBL ATM along with your HBL DebitCard, activation code and CNIC number. (This code is valid for 3 days only. 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. You can view the DebitCard Terms and Conditions from the documents given below.
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