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Bank AL Habib MasterCard Credit Cards and Visa Debit Cards are now protected by “MasterCard SecureCode” and “Verified by Visa (VBV)” respectively, which uses the advanced 3D secure platform for internet-based transactions.

3D Secure is the latest technology aimed at improving online security through authentication of each transaction by the cardholder so that you use your card with more confidence and peace of mind. With this service, when you use your Bank AL Habib MasterCard Credit Card and Visa Debit Card on websites that display "MasterCard SecureCode” and “Visa Secure” respectively, you will receive a One-Time-Password (OTP) through SMS and email as you complete your transaction.

In order to perform e-commerce transactions on your cards, please call our 24/7 call center (+92-21) 111-014-014 to activate the service.

Note: E-commerce per day transaction limits of Visa Debit Cards are clubbed with POS limits.

Click here to download Rules/Terms & Conditions

3D Secure Enablement Process

Shop online at any 3D Secure enabled website
Enter your Card details in payment section
You will receive an email (if available) and SMS with a unique 6-digit OTP
Enter the unique 6-digit OTP shared by the Bank
Upon submission, your transaction will be processed


  • Bank AL Habib is indemnified against any and all actions, proceedings, liabilities, claims, losses, damages, costs and expenses incurred or sustained by Bank AL Habib in relation to or arising as a result of action of internet session.
  • In case a non 3D secure website is used to perform an online transaction, an OTP will not be generated and the liability for all reversals will reside with the merchant. Therefore, kindly avoid using non 3D secure websites.
  • Bank AL Habib will never contact you asking for your Personal Information, Debit/Credit card number, PIN, OTP or CVV via Phone, SMS or email, and it will not be liable for any loss, damage, costs or expenses of any nature whatsoever arising from any disclosure that you make of the aforesaid information.
  • Please contact our 24/7 call center (+92-21) 111-014-014 to activate the e-commerce service on your card.

Frequently Asked Questions