How to Participate

Simply spend internationally through POS or E-Commerce transactions - whether its shopping, dining, or subscriptions - and let your spending earn you exciting prizes.

Eligible customers will be automatically entered into the lucky draw based on their total international spending made during the campaign period.

Terms and Conditions

• The Cross Border Spend and Win Campaign for HBL Mastercard DebitCards will be valid from 15^th November, 2025 to 31^st December, 2025.
• This campaign rewards customers for their international spending with exciting prizes
• This campaign is only valid only for HBL Mastercard DebitCard holders
• Only international transactions will qualify for this campaign
• Eligible transactions include international e-commerce and international POS purchases
• Local transactions, international ATM withdrawals, wallet loads, and fund transfers are not eligible
• Winners will be selected through a computerized lucky draw based on cumulative international spending during the campaign period
• Customers with a cumulative international spending between PKR 10,000 – PKR 25,000 will qualify for a chance to win Apple Air pods.
• Customers with a cumulative international spending between PKR 25,000 – PKR 50,000 will qualify for a chance to win Apple Watch Series.
• Customers with a cumulative international spending between PKR 50,000 or more will qualify for a chance to win a seven – day trip to Thailand.
• Each eligible customer will automatically be entered into the lucky draw based on their total international spending during the campaign period only
• All entries must comply with the campaign’s eligibility terms as specified above
• HBL holds the right to substitute prizes or disqualify entries in case of misuse/fraud.
• HBL will not be responsible for any warranty or after-sales service.
• By participating, customers will be consenting to HBL using their names & pictures for promotional purposes.
• This is a promotional offer for a limited time and HBL reserves right to modify/terminate this offer without prior notice.