4.2DEBIT CARD: HBL Visa Debit Card allows you to pay for your purchases directly from your bank account. You dont have to carry cash and your monthly statement provides you with a complete record of all your transactions so you can manage your expenses with ease.

Features of Debit Card No Interest Ease & Security No Liability International Recognition& Acceptability Spending Limits Free Account Statement 24 hour Customer Service Global Customer Assistance Service No InterestHBL Visa Debit Card is the perfect way of paying for your purchases as it gives you access to the exact amount of money you need, as and when you need it. There is no interest or credit on payments because you spend from the money available in your personal HBL Account.Ease & SecurityHBL Visa Debit Card offers ease and convenience because you dont have to visit an ATM to withdraw cash. Paying with the HBL Debit card is safe because it eliminates the need to carry cash. A single swipe automatically debits the exact purchase amount from your personal HBL account.

No LiabilityIn case of a lost or stolen card, you are protected against fraudulent transactions made on your card after you report the incident. Please report your card as lost or stolen immediately by calling our 24 hour HBL Phone Banking service at 111-111-425 within Pakistan or the Global Customer Assistance Service helpline for the relevant country if you are traveling abroad.International Recognition & AcceptabilityYour HBL Visa Debit Card is accepted at over 20 million Visa merchants worldwide, including over 10,000 merchants in Pakistan. As an ATM card it is accepted at more than 1,000 1-Link & M-Net ATMs in Pakistan and 864,000 Visa ATMs worldwide. No matter where you are, with the HBL Visa Debit Card, we are always with you.Spending LimitsThe daily spending limit at shops and outlets on your HBL Visa Debit Card is Rs. 50,000. On the HBL Visa Gold Card your daily spending limit is Rs. 100,000 with no restrictions on the number of transactions. (Please note that these figures are subject to the balance available in your account).Free Account StatementOur cardholders receive a free monthly account statement for their Debit Card and ATM transactions to help them keep track of their spending.24 Hour Customer ServiceLocalContact our 24 hour HBL Phone Banking Service at 111-111-425 if you need assistance related to your HBL Visa Debit Card.InternationalInternational callers can call +92-21-111-111-425 for 24 hour service.Global Customer Assistance Service (GCAS)When traveling overseas, HBL Visa Debit cardholders receive global assistance 24 hour a day, 7 days a week from the local Visa Global Customer Assistance Service.

4.3 CREDIT CARD:Welcome to a world of convenience, flexibility and opportunity. The HBL Credit Card will add simplicity and excitement to your life. Accepted at over 24 million merchants worldwide, HBL Credit Card makes shopping fun and paying simple. Make the most out of your shopping experience with your very own HBL Credit Card.

GOLD CARD

GREEN CARD

Benefits of Credit Card Convenience Security Affordability Cash Advance Balance Transfer Facility ConvenienceInstead of paying with cash, simply present your HBL Credit Card to the shopkeeper and pay for anything you want.

Bill PaymentWe'll pay your bills on your behalf and charge the amount to your HBL Credit Card. You can give one-time standing instructions to pay your monthly bills. Check the amount in your monthly card statement and make the payment with your regular card payment.

SMS AlertsFor all transactions, an SMS alert will be sent to you on your mobile phone to confirm that the transactions have been conducted by you. A nominal fee will be charged for this service.

E - StatementsYou can enroll for an e-statement with a simple call. An e-statement with details of all your transactions will be sent to your specified email address every month. You wont have to wait for your paper statement any more or have to worry about storing it.

Statement by FaxHBL Credit Card also offers the facility of receiving your card statement by fax. Just give us a call and your last card statement will be faxed to you at the fax number specified by you.

SecurityYour HBL Credit Card ensures your money stays completely secure. You cannot lose cash if you dont carry it. In the unlikely event that your card is stolen, call us at HBL Phone Banking and your card will be blocked immediately.Affordability Buy Now, Pay LaterHBL Credit Card gives you the flexibility to buy what you want, when you want and pay for it later. A credit card statement will be sent to you every month with details of all your purchases. You will have 21 credit free days to make the payment from the statement date. Please pay at least 3 days in advance if you make your payment by cheques to allow enough time for clearance.Pay As Much As You Want You have the freedom to pay the entire outstanding amount on your card statement or as little as 5% of the outstanding balance in your statement. The remaining amount will be transferred to next months statement. A nominal service charge will be applied to the unpaid amount each month. Lower Rate Every Year Just make sure all your HBL Credit Card payments are made before the due date and you will benefit from a reduction in the rate of service charges at the end of each year.Cash AdvanceIf you require cash urgently, you can go to any specified HBL branch and withdraw cash at the counter. You can also go to any 1 Link ATM in Pakistan and more than 780,000 ATMs and financial institutions worldwide displaying the Visa/Plus logo. You can withdraw cash up to the available cash advance limit on your HBL Credit Card. For Cash Advance, nominal service charges will be applied from the withdrawal date.Balance Transfer FacilityWith your HBL Credit Card Balance Transfer Facility, you have the opportunity to pay off balances you owe to other banks through your HBL Credit Card at lower service charges.