HBL Credit Card – How to Apply?

Updated: September 24, 2020

Are you looking for a flexible and reliable credit card to shop locally, internationally, and online?

Want a credit card that benefits you with discounts, perks, and rewards points?

Well, you can stop the search because an HBL Credit Card offers all this and more. Read on to find out how you can apply for an HBL Credit Card.

HBL Credit Card

Currently, HBL offers different types of credit cards, ranging from the basic through to the elite. Each comes with its own unique benefits and discounts, designed especially to suit your lifestyle and needs.

To further explore the benefits and features of HBL Credit Cards, we’ve chosen 3, representing the classic, premium, and elite categories. Read on to learn about the benefits of an HBL Credit Card…

HBL Platinum Credit Card Features & Benefits

Benefits

Complimentary access to select airport lounges worldwide, ensuring you have a serene and luxurious travel experience
Earn 1 reward point for every PKR 25 spent
Earn triple (3x) rewards points for foreign currency spending equivalent to PKR 25
Redeem your rewards points for annual fee waivers, electronics, watches, dining vouchers, and a range of other gifts
Enjoy Up to a 10% discount on groceries and cosmetics
Enjoy a 10% – 25% discount at restaurants and shopping malls
Amazing deals on luxury hotels, restaurants, lifestyle stores, and spas with VISA

Features

You get the flexibility to pay later for what you buy today. Additionally, you get global customer assistance services for any emergency, including lost and stolen card reporting, emergency card replacement, and emergency cash disbursement.

Cardholders receive Platinum Protection, which is a medical and legal referral service with extended warranty and purchase protection insurances.

With this card, users can shop locally, internationally, and online in a wide VISA payment network.

Eligibility and How to Apply

To apply for an HBL Credit Card you must head to the HBL website.

To qualify, you must meet the minimum salary requirement of Rs 100,000. The age limit is 21 – 60 years. Documents required include a CNIC, salary slips, bank statement, and a letter from your employer.

For those who are self-employed, you must meet a minimum income of Rs 150,000, the age limit of 21 – 65 years, and have a CNIC, NTN, proof of business, and bank statement.

Fees

APR: 40%
Retail transaction rate: max. 3.29% monthly
Cash advance rate: max. 3.29% monthly
Balance transfer rate: 2% monthly
Zero joining fees
Annual membership fee: Rs. 12,000
Annual supplementary card fee: Rs. 6,000
Late payment fee: Rs. 1,500
Cash advance fee: Rs. 900 or 3% (whichever is higher)

Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.

HBL Gold & Green Credit Cards

Benefits

[GOLD CARD ONLY] Complimentary access to CIP Airport Lounges at various international airports in Pakistan
Gain 1 reward point for every PKR 25 spend
Redeem your rewards points for annual fee waivers, electronics, watches, dining vouchers and a range of other gifts
Enjoy 10% – 25% discount at restaurants, shopping malls and retail outlets
Amazing deals on luxury hotels, restaurants, lifestyle stores and spas with VISA
Insurance plans against illness, disability or death

Features

The option of paying only 5% of your outstanding balance by the payment due date
Buy now, pay later – enjoy interest-free credit from the date of purchase to the date of due payment (up to 51 days)
Cash Advance service
HBL installment program – pay for your purchases on a monthly schedule
Shop with extra confidence knowing your credit card is secure – embedded microchip provides additional security against counterfeiting and duplication of cards
Accepted worldwide and online
VISA payment network

Eligibility

Salaried Persons must meet the minimum salary requirement of Rs 50,000, age limit of 21 – 60 years, and bring these documents: CNIC, salary slips, bank statement, and letter from employer.

Self-Employed / Businessmen must meet the minimum income of Rs 75,000, age limit of 21 – 65 years, and have these documents: CNIC, NTN, proof of business, and a bank statement.

Gold Card Fees and Rates

Annual membership fee: Rs. 7,000
Annual supplementary fee: Rs. 3,500
APR: 40%
Retail transaction rate: max. 3.29% monthly
Cash advance rate: max. 3.29% monthly
Balance transfer rate: 2% monthly
Zero joining fees
Late payment fee: Rs. 1,500
Cash advance fee: Rs. 900 or 3% (whichever is higher)

Eligibility

A salaried person must meet the minimum salary requirement of Rs 25,000, age limit of 21 – 60 years, and bring these documents: CNIC, salary slips, bank statement, and a letter from an employer. Apply on the website.