HBL
Digital & Virtual Prepaid
•••• •••• •••• 9518
VALID THRU 12/29
HBL Konnect Debit / Wallet Card
PAYPAK
🇵🇰 Pakistan Branchless Mobile Wallet Card Prepaid / Virtual Card

HBL Konnect Debit / Wallet Card

Issued by Habib Bank Limited (HBL)

Branchless banking card linked directly to the HBL Konnect mobile account. Openable with biometric CNIC verification in minutes without visiting a bank branch.

Annual Fee PKR 1,200 issuance / Low maintenance
Reward Rate Cashback on Mobile Top-ups & Utility Bills
APR / Profit Rate 0% (Linked Konnect Mobile Wallet)
Apply via Official HBL Site → Compare with Other Cards

Exclusive Features & Cardholder Privileges

✓

Instant Branchless Onboarding

Open a mobile account in minutes using just your CNIC and mobile number.

✓

ATM Cash Withdrawals

Withdraw wallet funds from any ATM in Pakistan or at over 50,000 Konnect agents.

✓

Utility Bills & Mobile Top-ups

Pay bills and buy mobile packages directly from the app or swipe at local stores.

✓

Zero Minimum Balance

No balance penalty fees or complex bank paperwork required.

RichQuill Editorial Verdict: Pros & Cons

✓ What We Like

  • No bank branch visit required to open or maintain
  • Zero minimum balance penalty
  • Works at all local ATMs and Konnect agent points

⚠ Considerations

  • Monthly wallet transaction limits apply according to SBP level tiers

Detailed Fees & Specifications

Card Name HBL Konnect Debit / Wallet Card
Issuing Financial Institution Habib Bank Limited (HBL) (Karachi, Pakistan)
Card Network PAYPAK
Card Type Prepaid / Virtual Card
Primary Category Digital & Virtual Prepaid
Annual Fee PKR 1,200 issuance / Low maintenance
Interest Rate / APR 0% (Linked Konnect Mobile Wallet)
Rewards & Cashback Rate Cashback on Mobile Top-ups & Utility Bills
Foreign Transaction Fee N/A (Domestic Wallet Card)
Airport Lounge Access N/A
0% Installments / Financing No
Welcome Bonus Offer Instant Digital Onboarding on Konnect App
Eligibility & Credit Score Any Registered HBL Konnect User