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Following Debit Cards and Credit Cards of Bank AL Habib are now protected by 3D Secure.

  • Visa Debit Cards: Platinum, Gold, and Silver
  • PayPak Debit Card
  • Mastercard Credit Card: Classic & Gold

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 Debit or Credit Card on websites that display "MasterCard SecureCode” and “Visa Secure” sign respectively, you will receive a One-Time-Password (OTP) through SMS and email as you complete your transaction.

To perform E-Commerce transactions on your cards, please call our 24/7 call center on (+92-21) 111-014-014 to activate the service.

Note: E-Commerce per day transaction limits of VISA and PayPak Debit Cards is clubbed with POS limits.

Click here to download Rules/Terms & Conditions

Click here to download the PayPak 3D Secure - Merchant List

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 on (+92-21) 111-014-014 to activate the e-commerce service on your card.

Frequently Asked Questions