Benefits

• Exclusive Discounts
• Global acceptability
• Instant funds transfer and bill payment facility
• Get transaction alerts through SMS Alert facility
• Higher daily Cash Withdrawal Limit
• Higher spending limits

Debit Cards daily usage limits

How to apply

• Complete the Account Opening Form
• Select the desired card in the HBL DebitCard request section

Existing customers to

• Fill out an Additional Request Form
• Select the desired card in the HBL DebitCard request section

Terms and conditions apply

CHIP & PIN

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.

HOW TO GENERATE A PIN?

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 14250 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.

HOW DOES CHIP & PIN DEBIT CARD WORK?

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

UNIONPAY ONLINE PAYMENT

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.

BENEFITS OF UPOP

• Enhanced Protection: Get enhanced protection when shopping on UPOP SecurePay enabled websites as authorisation of payment requires secondary verification via SMS
• International Acceptance: Make online purchases from international websites that prefer UPOP enabled cards
• Convenience: Enjoy hassle-free online shopping. With the introduction of UPOP, your HBL UnionPay DebitCard is automatically enabled for internet-based transactions

HOW DOES UPOP SECUREPAY WORK?

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

CARD MANAGEMENT ON HBL MOBILE

Manage all your DebitCard needs with just a few taps on HBL Mobile. Use HBL Mobile to:

• Activate your HBL DebitCard
• Generate or change DebitCard PIN
• Enable / disable ecommerce transactions
• Enable / disable International transactions
• Manage your DebitCard ATM Cash Withdrawal & POS / E-commerce transaction limits
• Temporay block and unblock your HBL DebitCard
• Permenantly Block your HBL DebitCard
• Initiate DebitCard replacement request
• View your DebitCard details on the go
• Instantly access exciting deals & discounts.

Start managing your HBL DebitCard today!

*These services are currently available to all HBL Debit Cardholders registered on HBL Mobile