Credit Card Debit & Credit Card

HBL Gold & Green Credit Card features and benefits

Your HBL credit card offers a range of benefits that are specifically designed to empower your lifestyle and help you live your whole life. Many of its features include attractive prizes, special shopping and dining offers, dedicated phone banking services and the flexibility to pay later that you buy today. Your HBL credit card is accepted at millions of outlets worldwide, making shopping even more exciting.

HBL Gold & Green Credit Card Benefits

1.      International Acceptance

Your HBL credit card gives you the freedom to buy anything you like. If you are traveling abroad, be sure to bring your HBL credit card. This is true internationally and is widely accepted in more than 22 million businesses worldwide.

2.      Security

Your HBL credit card gives you peace of mind knowing that your money is completely safe. Since you will not carry cash, you do not risk losing your money. Our HBL credit card comes with an embedded microchip that provides extra security against counterfeiting and card duplication. So now you can shop and travel with extra confidence with your chip-based HBL credit card.

3.      Zero Liability on Lost Card

If you lose your credit card, report it to our 24-hour HBL Phone Banking. After reporting the loss, you take zero responsibility for any fraudulent transactions made with your card.

4.      ATM Cash Withdrawals

If you find yourself in a situation where you urgently need cash, you can go to any 1 Link ATM in Pakistan and more than 780,000 ATMs and financial institutions around the world. Visas that display the Visa / Plus / MasterCard logo. You can withdraw cash up to the Cash Advance limit available on your HBL credit card. For applicable rates, please refer to the Bank Charges Schedule.

5.      Insurance Plans

HBL offers a credit card insurance plan that protects against life uncertainties such as illness, disability or death. Offered with an array of diverse insurance products, you now have the power to save yourself, your loved ones and your property from unforeseen circumstances at affordable premiums.

6.      Buy Now, Pay Later

The HBL credit card gives you the luxury of making custom purchases. In addition, you will have the flexibility to pay later. A credit card statement will be sent to you each month with details of all your purchases. You can enjoy interest-free credit from the date of purchase to the date of payment. This can be up to 51 days. However, interest charges for certain transactions such as cash withdrawals and balance transfers will apply from the date of transaction to the date of payment. Please pay at least 3 business days in advance if you are paying by check so that there is ample time for clearance.

7.      Pay As Much As You Want

You are free to pay the full balance on your card statement or as little as 5% of the outstanding balance in your statement will be transferred to next month’s statement. A nominal service charge will be levied on unpaid amounts each month.

8.      Balance Transfer Facility

Now you can save a lot of time with your HBL credit card balance transfer facility! You have the opportunity to use your HBL credit card to pay off other bank balances at lower service charges. Transferring your balance to your HBL credit card is just a phone call. Just call our 24 HBL Phone banking at 111-111-425.

9.      HBL Instalment Plan

Add value to your shopping experience with your HBL credit card and make your purchases much easier and more profitable. Enjoy the flexibility to convert your purchases to easy HIP on your HBL credit card and pay in installments at your convenience. The HBL installment plan is available on retail transactions and can be availed by calling HBL Phone Banking. For applicable charges, please refer to the Bank Charges Schedule.

10.  Bill Payment

Wouldn’t life be easier if you could pay all your bills from the comfort of your own home without standing in line? Just log in to HBL Internet Banking or go to HBL ATM and withdraw money from your HBL credit card. You can check the amount in your monthly card statement and pay with your regular card payment. That way you only have to pay once a month.

11.  24/7 Customer Services

Enjoy the service at your fingertips. Wherever you are in the world, as an HBL credit card holder you will always have 24/7 access to our HBL Phone Banking at 111-111-425. So whether it’s card and account inquiries, bill payments, rewards, we’re just a call away.

12.  HBL Internet Banking

A simple, hassle-free and secure internet banking service that allows HBL credit card users to make banking transactions anytime and anywhere in the day. Register at and you can view your monthly statement, view payment status and pay bills with other online services.

13.  Supplementary Cards

Imagine how much easier your life would be if you shared your credit card account with people close to you – imagine a statement, a monthly payment and a credit limit credit for all your joint purchases such as grocery, petrol, etc. Cardholders, you can now get up to 6 additional cards and share HBL credit card benefits with your family members.

14.  SMS Alerts

For all transactions, an SMS alert will be sent to your mobile phone to confirm that the transaction has been made through you. There will be a nominal fee for this service.

15.  E -Statement

For the convenience of paperless customers who want to access their credit card statement via email, you can sign up for an e-statement with just one call. An e-statement with details of all your transactions will be sent to your specific email address each month. You no longer have to wait for your paper statement or worry about storing it anywhere.

HBL Gold & Green Credit Card Management on HBL Mobile 

Manage all your credit card needs with just a few taps on HBL Mobile. Use HBL Mobile:

1.      Activate your HBL credit card and create a PIN.

2.      Enable / disable card usage in e-commerce, POS machines, ATMs and contactless transactions.

3.      View transaction and monthly statements for your credit card.

4.      Pay your bill for an HBL or other bank credit card.

5.      Block your HBL credit card.

6.      Apply for an additional credit card.

7.      Pay utility bills and top up mobile.

8.      Check your card details on the go.

9.      Apply for a credit limit extension.

10.  Get your advance tax certificate.

11.  Get instant access to exciting deals and discounts, installment plans and products available on the HBL Rewards program.

HBL Gold & Green Credit Card Basic Charges

Annualized Percentage Rate (APR)40% (Fixed)
From the date of the transaction to the full payment, the APR will be applicable in the case of less or partial payment.
Interest RateIntroductoryMonthlyAnnual
Service Charges (Retail Transactions)Not ApplicableMaximum 3.29%Maximum 40%
Service Charges (Cash Advance)Not ApplicableMaximum 3.29%Maximum 40%
Service Charges (Balance Transfer Facility)Not Applicable2.0%24.0%
Service Charges (HBL Installment Plan)Not Applicable2.0%24.0%

HBL Gold & Green Credit Card Eligibility Criteria

1.      For Salaried Applicants

Minimum gross incomePKR 30,000
Total employment experience (starting from)1 Month
Age21 to 60 Years

2.      For Self-employed Professional Applicants

Minimum gross incomePKR 50,000
Total tenor required1 Year
Age21 to 70 Years

3.      For Self-employed Businessmen Applicants

Minimum gross incomePKR 100,000
Total tenor required1 Year
Age21 to 70 Years

HBL Gold & Green Credit Card Required Documents

1.      For Salaried Applicants

·         Copy of Computerized National Identity Card (CNIC)

·         Current pay slip / pay letter with break up.

·         If the companies are not on the panel, a bank account statement showing 3 months’ salary credit is required.

·         Case-by-case additional documents may be required.

2.      For Self-employed Professional/Businessmen Applicants

·         Copy of Computerized National Identity Card (CNIC)

·         Computerized personal bank statement (on original bank letterhead) for the last six months.

·         Case-by-case additional documents may be required.

3.      For Supplementary Card Applicants

·         Copy of Computerized National Identity Card (CNIC)

4.      Additional Requirements

·         Partnership process and partner / company account statements (if any) from the last six months.

·         Bank letter / certificate confirming ownership / partnership (in case of ownership / partnership)

·         In case of the latest Form A or Form 29 or Memorandum / Article of Association (Private Limited Company).

·         Personal Account Balance / Statements (in case of Private Limited Company)

·         Professional degree / membership certificate to professional associations (in case of professionals).

How to Get HBL Gold & Green Credit Card

For New Customers:

1.      Complete the account opening form.

2.      Select the desired card in the HBL Credit Card Application section.

For Existing Customers:

1.      Fill out an additional application form.

2.      Select the desired card in the HBL Credit Card Application section.

HBL Helpline Numbers

For any kind of information, please call us on the given telephone number:

General Helpline: 111-111-425

For any kind of queries or suggestion, please email at:


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