HBL Gold Credit Card

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

Interest Rate / APR
Chip Maintenance Fee
Cash Advance Fee
1000 or 3% whichever is higher
Annual Fee
  • 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


  • Interest Free Period

    51 Days

  • Balance Transfer Rate


  • Cash Advance Fee Annual (PKR)

    1000 or 3% whichever is higher

  • Cash Advance Rate (%)


  • Rewards Program

    HBL CreditCard Rewards Program

  • Reward Points

    1 reward point for every PKR 25 spend

  • Late Payment Fee (PKR)


  • Foreign Transaction Fee (PKR)


  • 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


  • Payment Network


  • Loung Access

    CIP lounges