HBL Gold Credit Card

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Enjoy amazing discounts on dining, shopping, and travelling with this card

Interest Rate / APR

40%

Chip Maintenance Fee
(Rs)

Nil

Cash Advance Fee
(Rs)

900 or 3% whichever is higher

Annual Fee
(Rs)

8,000

Pros

- Free credit limit up to 51 days

- Annual fee will be waived on Rs,50,000 spendings within two months of the statement generation date

- Free CIP lounge access

- Unlimited rewards against spending

- Get supplementary cards for your family
Cons

- Beware of late fees charges involved with this card

- Excessive use of card may put you in a large debt

Features

- Shop and pay later in easy monthly installments

- Get SMS alert on every transaction in small fee

- The card can be globally accessed all over the world

- Pay other credit card balance with HBL credit card at the lowest rate

- FREE insurance that provides you coverage against any major mishap
Eligibility

Salaried Person:
- Salary requirement not stated by bank
- Age Limit: 21 - 60 years
- Documents required: CNIC, Salary slips, bank statement, Letter from employer

Self-Employed / Businessmen:
- Income requirement not stated by bank
- Age Limit: 21 - 65 years
- Documents required: CNIC, NTN, Proof of business, Bank statement, Proof of business

Other Details

Maximum Credit Limit

400,000
Interest Free Period

51 Days
Balance Transfer Rate

24%
Cash Advance Fee Annual (PKR)

900 or 3% whichever is higher
Cash Advance Rate (%)

40%
Rewards Program

HBL CreditCard Rewards Program
Reward Points

1 reward point for every PKR 25 spend
Late Payment Fee (PKR)

1,600
Foreign Transaction Fee (PKR)

3%

Targeted For

Salaried Person and Businessmen
Min. Income for Salaried (PKR)

Salary requirement not stated by bank
Min. Income for Businessman (PKR)

Income requirement not stated by bank
Best Suitable For

Discounts and Rewards
Minimum Age (Years)

21 Years
No. of Supplementary Cards

6
Payment Network

VISA
Loung Access

CIP lounges

Other Credit Cards from Habib Bank

HBL Platinum Credit Card

APR 40%

Annual Fee Rs. 14,000

A card designed to offer you complementary lifestyle services with better rewards and discounts

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HBL Green Credit Card

APR 40%

Annual Fee Rs. 4,000

Enjoy amazing discounts on dining, shopping and travelling to make life easier

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HBL FuelSaver Gold Credit Card

APR 40%

Annual Fee Rs. 6,000

A card that offers you increased savings (5% cashback) and benefits on your day to day fuel expenses

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HBL FuelSaver Green Credit Card

APR 40%

Annual Fee Rs. 3,000

A card that allows you to make savings (3% cashback) on your day to day fuel expenses

See Details

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