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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.


HBL Credit Card


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HBL Credit Card Offers


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HBL Credit Card Apply


With Karlo, you are just one step away to apply for the the best credit card. With hbl credit card apply online, it becomes a hassle-free task to apply for best credit card online. Happy karlo!



Best HBL Air Miles Card


HBL air miles credit card brings convenience at your fingertip. Known as the most flexible and comprehensive options to cover your family and yourself against uncertainties; HBL credit card has something for everyone. Compare and choose the best HBL credit card for miles and find a suitable one for your needs.

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Like Collecting Reward Points?

Reward points can be exciting. We know earning reward points to get the latest television, fancy wrist watch, or dinner voucher is a good feeling. After all who doesn't appreciate a freebie?  We know this can be an important factor when deciding which card to apply for, that's why we have this list. You don't have to visit the providers website anymore, find all your deals in one place

Generally speaking the card issuer will have a reward program that tells you how many points you need to redeem against pre selected gifts and prizes. Once you have selected the reward of choice you simply fill in a form, or call the contact center of the bank to process your request.

Simply put reward points are a reward for spending on your card. So if you are a person who likes to you use plastic to pay for your transactions having reward points can yield many benefits. You can collect these reward points and redeem them at a later date for exciting gifts, prizes or discounts.

When you find the right credit card that matches your needs, you need to ensure that you meet the minimum criteria of the bank offering the card. Some of the general minimum criteria's of banks are as follows

  •  You must be a minimum age of 21 years for a primary card, and 18 years of age to qualify as a supplementary card holder
  • Have a valid national ID card (CNIC)
  • Have a stable stream of income, by virtue of being a salaried individual or self employed.
  • Have good credit standing and not be in default of any loan or credit facility from any financial institution.

All banks have their respective policies and procedures. Look at our more info section for the card of your choice to evaluate whether you meet the requirements of the card that you like.

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