Issued by Habib Bank Limited (HBL)
Accessible premium card with substantial dining discounts, flexible 0% installment plans, and generous point redemption across leading retailers.
Substantial dining, apparel, and lifestyle discounts across Pakistan.
Convert purchases above PKR 3,000 into 0% markup installments for up to 12 months.
1% cash rebate on all fuel purchases at licensed service stations.
Quick contactless payments for daily transactions without entering PIN under threshold.
| Card Name | HBL Gold Credit Card |
|---|---|
| Issuing Financial Institution | Habib Bank Limited (HBL) (Karachi, Pakistan) |
| Card Network | VISA |
| Card Type | Credit Card |
| Primary Category | Cashback & Rewards |
| Annual Fee | PKR 6,000 (Waived on PKR 60k spend) |
| Interest Rate / APR | KIBOR + 15% p.a. |
| Rewards & Cashback Rate | 1.5% Cashback equivalent in Reward Points |
| Foreign Transaction Fee | 3.5% + SBP Advance Tax |
| Airport Lounge Access | Domestic CIP Lounges on select ticket classes |
| 0% Installments / Financing | HBL EasyInstallments: 0% Markup on purchases above PKR 3,000 |
| Welcome Bonus Offer | 2,500 Bonus Points upon first swipe |
| Eligibility & Credit Score | Min Monthly Income: PKR 60,000 |