HBL Gold Credit Card

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


Interest Rate / APR
 
40%
Chip Maintenance Fee
(Rs)
Nil
Cash Advance Fee
(Rs)
750 or 3% whichever is higher
Annual Fee
(Rs)
7,000
  • Pros

    - Annual fee of Rs. 7000/-

    - Beware of late fees charges involved with this card

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

  • Cons

    - Annual Fee of Rs 7000/-

    - 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 into easy installments

    - You can also use your card for online shopping

    - Get SMS alert on every transaction in small fee

    - Your card is globally access all over the world

    - Buy insurance with your credit card and protect your life from any mishap

  • Eligibility

    Salaried Person:
    - Minimum Salary Requirement: Rs 50,000
    - Age Limit:  21 - 60 years
    - Documents required: CNIC, Salary slips, bank statement, Letter from employer

    Self-Employed / Businessmen:
    - Minimum income: Rs 75,000
    - 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)

    750 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)

    1250

  • Foreign Transaction Fee (PKR)

    3%

  • Targeted For

    Salaried Person and Businessmen

  • Min. Income for Salaried (PKR)

    50,000

  • Min. Income for Businessman (PKR)

    75,000

  • Best Suitable For

    -

  • Minimum Age (Years)

    21 Years

  • No. of Supplementary Cards

    6

  • Payment Network

    VISA

  • Loung Access

    CIP lounges