How to Successfully Apply for a HBL Credit Card 

Getting an HBL Credit Card gives access to several financial advantages including simplicity, rewards, and special offers. From shopping and travel to using the services of a respected company like HBL, this book provides a simple, methodical approach to help you with anything.  

Your preferred method of application submission will depend on your goal: the HBL Mobile App, the hotline, or a branch visit.  

HBL Credit Card: Eligibility Requirements 

Before applying, ensure you meet the following criteria:  

• Age: 21–65 years. 
• Residency: Must be a resident of Pakistan with a valid CNIC. 
• Account Status: Existing HBL account holder. 
• Credit History: Good credit standing. 
• Income Requirements: 
  • Salaried Individuals: 
    • Green Card: Minimum monthly salary of PKR 35,000. 
    • Gold Card: Minimum monthly salary of PKR 100,000. 
    • Platinum Card: Minimum monthly salary of PKR 400,000. 
  • Self-Employed Individuals: 
    • Green Card: Average monthly balance of PKR 105,000. 
    • Gold Card: Average monthly balance of PKR 300,000. 
    • Platinum Card: Average monthly balance of PKR 1,000,000. 

HBL Credit Card Application Methods 

HBL offers multiple avenues to apply for a credit card:  

HBL Mobile App

1. Download and log in to the HBL Mobile App. 
2. Navigate to the “More” section and select “Secured Credit Card” under the Roshan Digital Account category. 
3. Enter your login credentials and follow the on-screen instructions to complete your application.  

Note: This feature is exclusively available to select HBL customers.  

Helpline or Branch Visit

1. Call the 24-hour HBL PhoneBanking Centre at 111-111-425 to provide initial details. 
2. Alternatively, visit your nearest HBL branch for in-person assistance.  

If you are an HBL Credit Card member, you may easily apply for a second HBL Credit Card using HBL Mobile without any documentation or branch visits and share the great advantages of an HBL Credit Card with your loved ones.  Visit hbl.com/m to download HBL Mobile app and get going.  

Required Documents 

To facilitate the application process, prepare the following documents:  

• A clear copy of your CNIC. 
• Recent salary slips (last 3 months) for salaried individuals. 
• Bank statements (last 6 months) for self-employed individuals. 
• Proof of address, such as a utility bill or rental agreement.  

HBL Credit Card: Approval and Activation 

After submitting your application:  

Approval Timeline

• Applications via the HBL Mobile App may receive approval within 24 hours. 
• Applications through the helpline or branch may take up to a month.  

Card Delivery

• Upon approval, the credit card will be delivered to your registered address.  

Activation Process

• Call the activation number provided with your card. 
• Enter the required details, including your CNIC and card number. 
• Set your PIN for secure transactions.  

Pro Tip: If your credit history isn’t great, consider improving it first by paying off debts and maintaining a healthy bank balance. 

Benefits of HBL Credit Cards 

HBL Credit Cards come with a host of benefits:  

• Reward Points: Earn points on every purchase, redeemable for various rewards. 
• Exclusive Discounts: Avail discounts at partner merchants for shopping, dining, and travel. 
• Global Acceptance: Use your card at millions of locations worldwide. 
• 24/7 Customer Support: Access assistance anytime through HBL PhoneBanking.   
• Digital Integration: HBL was the first bank in Pakistan to offer credit card applications through its mobile app, providing a convenient, paperless, and fast application process.   
• Global Acceptance: HBL’s credit cards are widely accepted globally, thanks to partnerships with international payment networks like Visa and MasterCard.   

Final Thoughts 

HBL distinguishes itself mostly from other banking companies by emphasizing on consumer convenience. Over the years, HBL credit cards have made handling money simple and fulfilling for thousands of Pakistanis.  

You have different options to get about ordering a card for you: you can apply online via the mobile app, the website or go to a bank branch. You can also access a variety of card varieties and rest easy that these benefits also apply to a few international brands due to HBL’s worldwide acceptance.  

Furthermore, you never find yourself in the dark when you need help thanks to 24/7 customer service and a range of reward schemes designed specifically for the average card user. So, if you’re ready to take control of your spending and unlock some incredible perks along the way, an HBL Credit Card is a smart choice.