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HBL Platinum Credit Card Features and Benefits-discounts

Your HBL Platinum credit card gives you access to the Airport Lounge with Visa Lounge, ensuring a quiet and luxurious travel experience in selected destinations around the world. To discover the full list of participating lounges and to register for lounge access.

HBL Platinum Credit Card Benefits

1.      HBL Platinum Credit Card provides the facility of accession to the airport lounge regardless of ticket or airline class.

2.      HBL Platinum Credit Card provides the facility of free drinks and snacks.

3.      HBL Platinum Credit Card provides the facility of honorary newspapers and magazines.

4.      HBL Platinum Credit Card provides the facility of Wi-Fi, laptop and mobile charging services.

5.      HBL Platinum Credit Card provides the facility of conference rooms and recreational service.

HBL Platinum Credit Card Higher Reward Points

As an HBL Platinum Cardholder, you are automatically enrolled in our Rewards Program. For every penny you spend on food, travel, shopping, entertainment or any other purchase you get reward points that can be redeemed for exciting prizes. These include annual fee rebates, electronics, watches, dining vouchers and other gifts listed in the HBL Platinum Prize Booklet.

HBL Platinum Credit Card Visa Privileges

Discover the amazing offers that come with your Visa card. Eat and relax with great deals from luxury hotels, restaurants, lifestyle stores and spas. In addition, when you travel abroad, there is a dedicated global emergency assistance service provided for lost cards, emergency card replacements, emergency cash advances or other inquiries via Visa.

HBL Platinum Credit Card International Lounge Access

Your HBL Platinum credit card gives you access to the Airport Lounge with Visa Lounge, ensuring a quiet and luxurious travel experience in selected destinations around the world.

HBL Platinum 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 Platinum 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 Platinum 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 Platinum 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 Platinum 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:

Email: customer.complaints@hbl.com

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