Hbl Credit Cards Benefits and Features

You can earn up to 3% cashback on your purchases with Hbl credit cards.

Rewards are redeemable for cash, gift cards, or statement credits, giving you flexibility in how you use your rewards.

Some Hbl credit cards also offer sign-up bonuses, which can be a great way to boost your rewards earnings right from the start.

HBL offers a variety of credit cards to its customers, each with its own unique benefits and discounts.

There are 5 types of credit cards offered by HBL: HBL Platinum credit card, HBL Gold credit card, HBL Green credit card, HBL Fuel Saver Gold credit card, and HBL Fuel Saver Green credit card.

These credit cards are designed to cater to different needs and preferences of customers, providing them with a range of options to choose from.

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If you're looking for a credit card that fits your needs, you can browse by providers to find the right one. HBL offers five types of credit cards to its customers, each with unique benefits and discounts.

HBL's credit card options include the HBL Platinum credit card, HBL Gold credit card, HBL Green credit card, HBL Fuel Saver Gold credit card, and HBL Fuel Saver Green credit card. These credit cards are designed to cater to different classes of customers.

You can find detailed product information for each credit card by visiting the comparison section of the page. Here are some of the credit card providers you can browse through:

These providers offer a range of credit card options, so you're sure to find one that suits your needs.

Eligibility in Pakistan is a crucial aspect to consider when applying for a credit card. Every bank has a separate eligibility criterion.

To get approved, salaried individuals typically need to meet a minimal salary requirement, which varies from bank to bank. You'll need to check with your bank to find out what their specific requirement is.

Self-employed individuals, on the other hand, usually need to maintain a minimal account balance to be eligible.

The HBL Platinum credit card limit is the highest among all HBL credit cards, allowing you to spend up to 2 million rupees.

You can enjoy a generous interest-free period ranging from 21 to 51 days, which means you'll pay no interest if you settle your outstanding within this time frame.

The annual fee/joining fee is Rs. 12,000, but it can be reversed if you spend Rs. 75,000 within two months of issuance of your credit card statement.

The APR (Annualized Percentage Rate) on HBL's platinum card is 40% (Monthly maximum 3.29%).

The minimum monthly payment is 5% of your outstanding amount, so paying more than the minimum can save you from interest.

You can also withdraw cash from your HBL platinum card using the cash advance facility, which has a fee of 3% of the cash amount.

The HBL platinum card offers a balance transfer facility, allowing you to transfer your other credit card loan or outstanding to HBL's credit card and settle it in instalments or lump sum.

The balance transfer facility charges are 3% of the transferred amount, so it's essential to factor this into your calculations.

Suggestion: Credit Settlement

Improving your financial situation is a great feeling, and one way to do that is by improving your credit score.

Making timely payments is a crucial step in improving your credit score, and this can significantly benefit you in the long run.

In western societies, credit scores play a huge role in loan decisions, and a good credit score can get you loans at lower interest rates.

By taking control of your finances and making payments on time, you can start building a strong credit history that will serve you well.

With HBL credit cards, you can earn rewards that make your life easier and more enjoyable. Rewards such as discounts and cashbacks are just the beginning.

You can also get accidental coverage and travel insurance, which can provide peace of mind on your trips. This can be a huge relief, especially when traveling abroad.

HBL credit cards offer a range of rewards that can be redeemed for exciting experiences, such as access to premium airport lounges.

HBL Pay allows customers to use their mobile phones as credit cards, making payments instantly via the HBL Mobile App.

This feature is embedded in the HBL Mobile App, making the customer experience more convenient and hassle-free.

The tokenization technology used by HBL is also employed by leading technological giants, enabling the creation of a unique token for each card, stored in the mobile phone.

Currently, this feature is only compatible with Android phones that have NFC functionality.

Customers can make payments by tapping their unlocked phones on a contactless-enabled Point of Sale (POS) machine instead of their physical credit card.

This cardless environment is made possible by HBL Pay, which is paving the way for customers to enjoy a more efficient and secure digital transaction experience.

If you're considering applying for an HBL credit card, you'll be pleased to know that they offer a range of certifications and services to ensure a secure and rewarding experience.

HBL credit cards are certified by international standards such as Visa and Mastercard, which guarantee a high level of security and reliability.

Their credit cards are designed to be user-friendly, with features like contactless payments and digital wallets for added convenience.

HBL also offers a range of services to support their customers, including online banking, mobile banking, and a dedicated customer support team.