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Habib Bank Limited
Habib Bank Originally established in 1941, Embarking on a progressive journey, Habib Bank continued to grow and expand in the successive years. The Bank's first international branch opened in Colombo, Sri Lanka in 1951. The Bank became a trendsetter in the banking industry. International operations expanded and HBL now operates in over 25 countries across four continents.
  • Monthly APR
    Monthly BTF Rate
    Annual Fee
  • Best Deals
    HBL Platinum Credit Card

    HBL Platinum Credit Card

    3.25 %
    2.00 %
    PKR 10,000

    Benefits

    • Highest reward points on every foreign currency spend
    • Direct airport lounge access at 26 leading international destinations

    Be Aware of

    • Reward points can only be redeemed against HBL Platinum Rewards catalogue
    • Most international alliances are offered through Visa offers

    Rates

    Monthly APR
    3.25 %

    39% per annum

    Cash Advance
    3.25 %

    39% per annum

    Monthly BTF Rate
    2.00 %

    24% per annum


    Annual Fees

    Annual Fee
    PKR 10,000
    Supplementary Card Fees
    PKR 5,000
    Chip Maintenance Fee
    PKR 0

    Not applicable


    Other Fees

    Cash Advance Fee
    PKR 750

    or 3% of amount withdrawn (whichever is higher)

    Foreign transaction Fee
    3.00 %

    of transaction amount

    Late Payment Fee
    PKR 1,250
    Overlimit Fee
    PKR 1,250

    per instance


    Interest Free Period

    Not indicated

    SMS Alert Fee

    PKR 100

    per month


    BTF Fees

    Processing Fee
    PKR 500

    or 3% of the transferred amount (whichever is higher)


    Local Spend

    Cash Back
    -
    Reward Point
    1/PKR 25 spend

    1 reward point = 40 paisas

    Airmiles
    -

    International Spend

    Int. Cash Back
    -
    Int. Reward Point
    5/PKR 25 spend

    5 reward Points = PKR 2

    Int. Airmiles
    -

    Grocery Spend

    Cash Back
    -
    Reward Point
    1/PKR 25 spend

    1 reward point = 40 paisas

    Airmiles
    -

    Fuel Spend

    Cash Back
    -
    Reward Point
    25/PKR 25 spend

    1 reward point = 40 paisas

    Airmiles
    -

    Minimum Monthly Income

    Salaried
    Not Indicated
    Self Employed
    Not Indicated

    Minimum Age

    Salaried
    21 Years
    Self Employed
    21 Years

    Salaried Individual

    Bank Statement
    Not Indicated
    CNIC
    Not Indicated
    Salary Slip
    Not Indicated

    Self Employed Professional

    Bank Statement
    Not indicated
    CNIC
    Not Indicated
    Proof of Business
    Not Indicated

    Sole Proprietor

    Bank Statement
    Not Indicated
    CNIC
    Not Indicated
    Proof Of Business
    Not Indicated

    Partnership

    Bank Statement
    Not Indicated
    CNIC
    Not Indicated
    Proof Of Business
    Not Indicated

    Private Limited

    Bank Statement
    Not Indicated
    CNIC
    Not Indicated
    Proof Of Business
    Not Indicated

    Global Travel Assistance

    Benefits
    Visa Privileges

    Giving you access to discounts on lifestyle stores, restaurants, hotels and spas

     

     

    Assistance
    Charges are waived

    For:

    Lost and stolen card replacement

    Emergency card replacement

    Emergency cash disbursement

     

    Other
    Platinum protection

    Gives you access to Visa's medical & legal referral service


    Travel Insurance

    Subsidized Travel Insurance
    Not offered
    Complimentary Travel Insurance
    Not offered
    Other Insurance Benefits
    Not offered

    Lounge Access

    Domestic Lounge Access
    Domestic CIP Lounges Access

    KHI International Airport: CIP Lounge

    LHR International Airport: CIP Lounge

    ISL International Airport: CIP Lounge

    MUL International Airport: CIP Lounge

    International Lounge Access
    International CIP Lounges Access

     

    Access to 24+ lounges at leading international destinations

    Other Travel Benefits
    Visa Platinum Privileges
    • Discounts on meet & greet at 400 airport locations
    • Visa luxury hotel collection: Oher benefits at 900 hotels around the globe

    Priority Pass

    Joining Fee
    PKR 0
    Usage Fee
    PKR 0
    Other Fee
    PKR 0

    Salient Benefits

    1
    Attractive reward points on international spends
    2
    Strong international alliances through Platinum Privileges
    3
    Not indicated

    Discounts

    Vendors
    50+

    Click to view


  • Best Deals
    HBL Gold Fuel Saver Card

    HBL Gold Fuel Saver Card

    3.25 %
    2.00 %
    PKR 6,000

    Benefits

    • Instant cashback on the purchase of fuel
    • Subsidized insurance coverage

    Be Aware of

    • The highest cash back limit is capped at PKR 2,000 a month. You have to spend PKR 40,000 per month to qualify for this amount
    • Annual fee is charged on a monthly basis

    Rates

    Monthly APR
    3.25 %

    39% per annum

    Cash Advance
    3.25 %

    39% per annum

    Monthly BTF Rate
    2.00 %

    24% per annum


    Annual Fees

    Annual Fee
    PKR 6,000

    PKR 500 per month

    Supplementary Card Fees
    PKR 3,000

    PKR 250 per month

    Chip Maintenance Fee
    PKR 0

    Not indicated


    Other Fees

    Cash Advance Fee
    PKR 750

    or 3% of amount withdrawn (whichever is higher)

    Foreign transaction Fee
    3.00 %

    of transaction amount

    Late Payment Fee
    PKR 1,250
    Overlimit Fee
    PKR 1,250

    Interest Free Period

    Not indicated

    SMS Alert Fee

    PKR 100 per month

    BTF Fees

    Processing Fee
    PKR 500

    or 3% of the transferred amount (whichever is higher)


    Local Spend

    Cash Back
    5.00 %

    Only applicable on the purchase of fuel

    Reward Point
    -
    Airmiles
    -

    International Spend

    Int. Cash Back
    -
    Int. Reward Point
    -
    Int. Airmiles
    -

    Grocery Spend

    Cash Back
    -
    Reward Point
    -
    Airmiles
    -

    Fuel Spend

    Cash Back
    5.00 %

    Capped at PKR 2,000 a month

    Reward Point
    -
    Airmiles
    -

    Minimum Monthly Income

    Salaried
    Not indicated
    Self Employed
    Not indicated

    Minimum Age

    Salaried
    21 Years
    Self Employed
    21 Years

    Salaried Individual

    Bank Statement
    Not indicated
    CNIC
    Not indicated
    Salary Slip
    Not indicated

    Self Employed Professional

    Bank Statement
    Not indicated
    CNIC
    Not indicated
    Proof of Business
    Not indicated

    Sole Proprietor

    Bank Statement
    Not Indicated
    CNIC
    Not Indicated
    Proof Of Business
    Not Indicated

    Partnership

    Bank Statement
    Not Indicated
    CNIC
    Not Indicated
    Proof Of Business
    Not Indicated

    Private Limited

    Bank Statement
    Not Indicated
    CNIC
    Not Indicated
    Proof Of Business
    Not Indicated

    Global Travel Assistance

    Benefits
    Not offered
    Assistance
    Not offered
    Other
    Not offered

    Travel Insurance

    Subsidized Travel Insurance
    Not offered
    Complimentary Travel Insurance
    Not offered
    Other Insurance Benefits
    Subsidized insurance plans

    Credit Shelter


    Lounge Access

    Domestic Lounge Access
    Not offered
    International Lounge Access
    Not offered
    Other Travel Benefits
    Not offered

    Priority Pass

    Joining Fee
    PKR 0
    Usage Fee
    PKR 0
    Other Fee
    PKR 0

    Salient Benefits

    1
    Cashback on fuel
    2
    Subsidized insurance coverage
    3
    Not indicated

    Discounts

    Vendors
    0

  • Best Deals
    HBL Green Fuel Saver Card

    HBL Green Fuel Saver Card

    3.25 %
    2.00 %
    PKR 3,000

    Benefits

    • Instant cashback on the purchase of fuel
    • Subsidized insurance coverage

    Be Aware of

    • The cashback limit is capped at PKR 1,000. You have to spend a maximum of PKR 33,300
    • Annual fee is charged over the course of the year on a monthly basis

    Rates

    Monthly APR
    3.25 %

    39% per annum

    Cash Advance
    3.25 %

    39% per annum

    Monthly BTF Rate
    2.00 %

    24% per annum


    Annual Fees

    Annual Fee
    PKR 3,000

    PKR 250 per month 

    Supplementary Card Fees
    PKR 1,500

    PKR 125 per month 

    Chip Maintenance Fee
    PKR 0

    Not indicated


    Other Fees

    Cash Advance Fee
    PKR 750

    or 3% of amount withdrawn  (whichever is higher)

    Foreign transaction Fee
    3.00 %

    of transaction amount

    Late Payment Fee
    PKR 1,250


    Overlimit Fee
    PKR 1,250



    Interest Free Period

    Not indicated

    SMS Alert Fee

    PKR 100 per month

    BTF Fees

    Processing Fee
    PKR 500

    or 3% of the transferred amount (whichever is higher)


    Local Spend

    Cash Back
    3 %

    Only applicable on the purchase of fuel

    Reward Point
    -
    Airmiles
    -

    International Spend

    Int. Cash Back
    -
    Int. Reward Point
    -
    Int. Airmiles
    -

    Grocery Spend

    Cash Back
    -
    Reward Point
    -
    Airmiles
    -

    Fuel Spend

    Cash Back
    3 %

    Capped at PKR 1,000 a month

    Reward Point
    -
    Airmiles
    -

    Minimum Monthly Income

    Salaried
    Not indicated
    Self Employed
    Not indicated

    Minimum Age

    Salaried
    21 Years


    Self Employed
    21 Years



    Salaried Individual

    Bank Statement
    Not indicated
    CNIC
    Not indicated
    Salary Slip
    Not indicated

    Self Employed Professional

    Bank Statement
    Not indicated
    CNIC
    Not indicated
    Proof of Business
    Not indicated

    Sole Proprietor

    Bank Statement
    Not Indicated
    CNIC
    Not Indicated
    Proof Of Business
    Not Indicated

    Partnership

    Bank Statement
    Not Indicated
    CNIC
    Not Indicated
    Proof Of Business
    Not Indicated

    Private Limited

    Bank Statement
    Not Indicated
    CNIC
    Not Indicated
    Proof Of Business
    Not Indicated

    Global Travel Assistance

    Benefits
    Not offered
    Assistance
    Not offered
    Other
    Not offered

    Travel Insurance

    Subsidized Travel Insurance
    Not offered
    Complimentary Travel Insurance
    Not offered
    Other Insurance Benefits
    Subsidized insurance plans

    Credit Shelter


    Lounge Access

    Domestic Lounge Access
    Not offered
    International Lounge Access
    Not offered
    Other Travel Benefits
    Not offered

    Priority Pass

    Joining Fee
    PKR 0
    Usage Fee
    PKR 0
    Other Fee
    PKR 0

    Salient Benefits

    1
    Cashback on fuel
    2
    Subsidized insurance coverage
    3
    Not indicated



    Discounts

    Vendors
    0

  • Best Deals
    HBL Gold Visa Card

    HBL Gold Visa Card

    3.25 %
    2.00 %
    PKR 6,000

    Benefits

    • An attractive reward program
    • Airport CIP Lounge access

    Be Aware of

    • Airport CIP Lounge access is limited only to Karachi

    Rates

    Monthly APR
    3.25 %

    39% per annum

    Cash Advance
    3.25 %

    39% per annum

    Monthly BTF Rate
    2.00 %

    24% per annum


    Annual Fees

    Annual Fee
    PKR 6,000
    Supplementary Card Fees
    PKR 3,000
    Chip Maintenance Fee
    PKR 0

    Not indicated


    Other Fees

    Cash Advance Fee
    PKR 750

    or 3% of amount withdrawn (whichever is higher)

    Foreign transaction Fee
    3.00 %

    of transaction amount

    Late Payment Fee
    PKR 1,250
    Overlimit Fee
    PKR 1,250

    Interest Free Period

    Not indicated

    SMS Alert Fee

    PKR 100

    per month


    BTF Fees

    Processing Fee
    PKR 500

    or 3% of the transferred amount  (whichever is higher)


    Local Spend

    Cash Back
    -
    Reward Point
    1/PKR 25 spend

    1 reward point = 25 paisas

    Airmiles
    -

    International Spend

    Int. Cash Back
    -
    Int. Reward Point
    1/PKR 25 spend

    1 reward point = 25 paisas

    Int. Airmiles
    -

    Grocery Spend

    Cash Back
    -
    Reward Point
    PKR 1/PKR 25 spend

    1 reward point = 25 paisas

    Airmiles
    -

    Fuel Spend

    Cash Back
    -
    Reward Point
    PKR 1/PKR 25 spend

    1 reward point = 25 paisas

    Airmiles
    -

    Minimum Monthly Income

    Salaried
    Not indicated
    Self Employed
    Not indicated

    Minimum Age

    Salaried
    21 Years
    Self Employed
    21 Years

    Salaried Individual

    Bank Statement
    Not indicated
    CNIC
    Not indicated
    Salary Slip
    Not indicated

    Self Employed Professional

    Bank Statement
    Not indicated
    CNIC
    Not indicated
    Proof of Business
    Not indicated

    Sole Proprietor

    Bank Statement
    Not Indicated
    CNIC
    Not Indicated
    Proof Of Business
    Not Indicated

    Partnership

    Bank Statement
    Not Indicated
    CNIC
    Not Indicated
    Proof Of Business
    Not Indicated

    Private Limited

    Bank Statement
    Not Indicated
    CNIC
    Not Indicated
    Proof Of Business
    Not Indicated

    Global Travel Assistance

    Benefits
    Not offered
    Assistance
    Not offered
    Other
    Not offered

    Travel Insurance

    Subsidized Travel Insurance
    Not offered
    Complimentary Travel Insurance
    Not offered
    Other Insurance Benefits
    Subsidized Insurance Plans

    Credit Shield


    Lounge Access

    Domestic Lounge Access
    KHI International Airport: CIP Lounge Access
    International Lounge Access
    Not offered
    Other Travel Benefits
    Not offered

    Priority Pass

    Joining Fee
    PKR 0
    Usage Fee
    PKR 0
    Other Fee
    PKR 0

    Salient Benefits

    1
    Complimentary access to KHI International Airport CIP Lounge
    2
    An attractive reward program
    3
    Not indicated

    Discounts

    Vendors
    0

  • Best Deals
    HBL Green Visa Card

    HBL Green Visa Card

    3.25 %
    2.00 %
    PKR 3,000

    Benefits

    • An attractive reward program

    Be Aware of

    • SMS services are charged

    Rates

    Monthly APR
    3.25 %

    39% per annum

    Cash Advance
    3.25 %

    39% per annum

    Monthly BTF Rate
    2.00 %

    24% per anum


    Annual Fees

    Annual Fee
    PKR 3,000
    Supplementary Card Fees
    PKR 1,500
    Chip Maintenance Fee
    PKR 0

    Not indicated


    Other Fees

    Cash Advance Fee
    PKR 750

    or 3% of amount withdrawn (whichever is higher)

    Foreign transaction Fee
    3.00 %

    on transaction amount

    Late Payment Fee
    PKR 1,250
    Overlimit Fee
    PKR 1,250

    Interest Free Period

    Not indicated

    SMS Alert Fee

    PKR 100 per month

    BTF Fees

    Processing Fee
    PKR 500

    or 3% of the transferred amount  (whichever is higher)


    Local Spend

    Cash Back
    -
    Reward Point
    1/PKR 25 spend

      1 reward point = 28 paisas

    Airmiles
    -

    International Spend

    Int. Cash Back
    -
    Int. Reward Point
    1/PKR 25 spend

      1 reward point = 28 paisas

    Int. Airmiles
    -

    Grocery Spend

    Cash Back
    -
    Reward Point
    1/PKR 25 spend

      1 reward point = 28 paisas

    Airmiles
    -

    Fuel Spend

    Cash Back
    -
    Reward Point
    1/PKR 25 spend

     1 reward point = 28 paisas

    Airmiles
    -

    Minimum Monthly Income

    Salaried
    Not indicated
    Self Employed
    Not indicated

    Minimum Age

    Salaried
    21 Years
    Self Employed
    21 Years

    Salaried Individual

    Bank Statement
    Not indicated
    CNIC
    Not indicated
    Salary Slip
    Not indicated

    Self Employed Professional

    Bank Statement
    Not indicated
    CNIC
    Not indicated
    Proof of Business
    Not indicated

    Sole Proprietor

    Bank Statement
    Not Indicated
    CNIC
    Not Indicated
    Proof Of Business
    Not Indicated

    Partnership

    Bank Statement
    Not Indicated
    CNIC
    Not Indicated
    Proof Of Business
    Not Indicated

    Private Limited

    Bank Statement
    Not Indicated
    CNIC
    Not Indicated
    Proof Of Business
    Not Indicated

    Global Travel Assistance

    Benefits
    Not offered
    Assistance
    Not offered
    Other
    Not offered

    Travel Insurance

    Subsidized Travel Insurance
    Not offered
    Complimentary Travel Insurance
    Not offered
    Other Insurance Benefits
    Subsidized Insurance Plans

    Credit Shield


    Lounge Access

    Domestic Lounge Access
    Not offered
    International Lounge Access
    Not offered
    Other Travel Benefits
    Not offered

    Priority Pass

    Joining Fee
    PKR 0
    Usage Fee
    PKR 0
    Other Fee
    PKR 0

    Salient Benefits

    1
    An attractive reward program
    2
    Subsidized Insurance Plans
    3
    Not indicated

    Discounts

    Vendors
    0


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