HBL PayPak Debit Card enables 24/7 access to your bank account within Pakistan. Backed by the power of PayPak, this card offers you a basic level and convenient payment solution at a lower annual fee.
|Purchase (POS) / E-Com||PKR 100,000/-|
|Funds Transfer||PKR 150,000/-|
New customers to
Existing customers to
Terms and conditions apply
3D Secure is the latest technology supported by 1 Link, designed to ensure safe internet-based transactions by authenticating each transaction by the HBL DebitCard customer to secure the transaction. With this service, when you use your debit card on any website, which has PayPak logo on it, you will receive a One Time Password (OTP). Please use this OTP to complete the transaction.
To avail the benefits of 3D Secure, 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 Contact Centre 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 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
Manage all your DebitCard needs with just a few taps on HBL Mobile. Use HBL Mobile to:
Start managing your HBL DebitCard today!
*These services are currently available to all HBL Debit Cardholders registered on HBL Mobile