AL Habib Visa Platinum
Your Financial Passport

Experience a new world of premium benefits
Step up with the Bank AL Habib Visa Platinum Card in the world of top services and luxuries catered to meet your lifestyle.
With higher limits, special discounts and added protection on your transactions, avail services and benefits tailored to meet your expectations.
Bank AL Habib Visa Platinum Debit Card is linked with the global Visa network, allowing you to access your account from over 24 million merchants and 1.7 million ATMs around the globe including all 1LINK ATMs and POS terminals across Pakistan. Get instant access to your Bank account, 24 hours a day, and 7 days a week.
Avail world-class international Visa services, and privileges you truly deserve.
Purchase Protection
When paying with your Visa Platinum Debit Card, you will benefit from Purchase Protection for stolen or damaged goods purchased.
Extended Warranty
Items purchased on your Debit Card may be eligible for the benefit of Extended Warranty.
Local offers by VISA
Discounts at restaurants and outlets
Airport Dining Program with access to
200+
Airport Restaurant Offers Globally
Global Customer Assistance Service (GCAS)
In case of a lost card, Visa may be able to block your account, send a replacement card and provide emergency cash.
Airport Dining Offers
Visa has partnered with DragonPass to exclusively offer an airport dining discount program for Visa Platinum Cardholders. Cardholders must first register for the app. Once registered, Cardholders can search for restaurants in airports they are travelling to or from.
Jumeirah Hotel Offers
Visa Platinum Cardholders can enjoy exclusive savings on stays at Jumeirah properties, including
- Madinat Jumeirah
- Jumeirah Royal Saray
- Jumeirah Messilah Beach Hotel
- Jumeirah Port Soller Hotel & Spa
- Jumeirah Frankfurt
- Jumeirah Lowndes Hotel
- Grosvenor House Suites by Jumeirah Living
- Capri Palace Jumeirah
Medical & Travel Assistance
Travel comfortably knowing you have access to all the help you need.
- Telephone medical advice
- Medical service provider referral
- Monitoring medical condition pre & post hospitalization
- Essential medicine and equipment delivery
- Dispatch of physician to Cardholder location
- Medical evaluation and repatriation
- Legal referral
- Interpreter referral
Visa Explore App
The Visa Explore app is the perfect companion for the Visa Platinum Cardholder - making it quick and easy to access a bundle of benefits and offers. Each offer is conveniently geo - tagged and segmented, allowing Cardholders to find exactly what they want, when they want, wherever they are. Offers can also be browsed by location and category.

Visa Website
The Visa website at www.visamiddleeast.com is a one-stop-shop that connects Visa Platinum Cardholders with a wide range of exclusive offers, experiences, and resources.
With swift and convenient navigation, the website acts as a repository for:
- Visa Platinum benefits including full-service descriptions and contact details to avail travel benefits, card protection services, support, and resources.
- Visa Platinum offers an updated list of the latest offers and privileges for Cardholders.
Frequently Asked Questions
- How to apply for VISA Platinum Debit Card?
New Customers:
Apply by filling the account opening form available at your relationship branch.
Existing BAHL Customers:
For debit card replacement/conversion: please contact our 24/7 Call centre at (+92 21) 111-014-014.
- What are the charges for availing VISA Platinum Debit Card?
Card Fee Structure
Particulars FEE/Charges (In PKR) Annual – Primary 3,000 Annual – Supplementary 1,800 Renewal – Primary 3,000 Renewal – Supplementary 1,800 Card Replacement Fee
Primary / SupplementaryPKR 3,000 / PKR 1,800 Transaction Charges
Particulars FEE/Charges (In PKR) Cash Withdrawal – BAHL ATMs NIL Cash Withdrawal from Other Bank ATM PKR 18.75 - Per withdrawal International ATM Withdrawal PKR 400/- or 3.0% of transaction amount- whichever is higher International POS Transaction 3.5% of transaction amount International Balance Inquiry PKR 150/- Per inquiry - How can I activate my VISA Platinum Debit Card through ATM?
You can activate your Debit Card by calling on contact centre help line (+92 21) 111-014-014. After production of your Debit Card, you will receive your One-Time Password (OTP) for card activation on your registered mobile number / email address.
Please visit your nearest Bank AL Habib ATM with your Debit Card and follow the steps listed below:
- Insert your new Debit Card in the Bank AL Habib ATM
- Enter your 13 digit Computerized National Identity Card (CNIC) number (without spaces or dashes)
- Enter your date of birth in the format DDMMYYYY. For e.g., for DOB Jun 30, 1990, enter 30061990
- Enter your One-Time Password (OTP) received on your registered mobile number / email address
- After verification is successfully completed, please generate your desired Personal Identification Number (PIN) by entering 4 digits of your choice
- Please re-enter your desired PIN for confirmation
After successful generation of PIN, you will be notified through the ATM Screen and printed slip. Your Debit Card has been activated for use. (For your safety, do not share your PIN with anyone and keep changing it periodically in the future)
Please Note: In case you face any issue while activating your Debit Card, please contact our 24/7 Call Center at (+92 21) 111-014-014
- What kind of transactions can I do with my VISA Platinum Debit Card?
You may perform the following transactions using your Debit Card:
- Cash withdrawal through ATM
- Purchase through Point-of-Sale (POS) Terminals
- Utility bill payments
- Balance Inquiry
- Mini-Statement
- Funds Transfer
- What are my daily transaction limits for using BAHL VISA Platinum Debit Card?
Daily Limits:
Particulars Per day Limit (In PKR) Primary Supplementary ATM Withdrawal 150,000 50,000 POS Utilization 500,000 100,000 Funds Transfer/IBFT 250,000 Not allowed - Can the daily ATM cash withdrawal limit be changed?
No. However, you may consider applying for a different card that offers the limit structure that is best for you. please call us on (+92 21) 111-014-014
- How do I make purchases through my VISA Platinum Debit Card?
On your purchase, the merchant will insert your Debit Card in the Point-of-Sale Terminal (POS) and ask you to enter your PIN (same as that you use for ATM transactions) where applicable. The merchant may also swipe your card and give you a slip to sign. After successful verification, please remember to collect your Card and charge slip after completion of the transaction.
- Can I shop online with my Debit Card?
BAHL Debit Cards are currently not enabled for online transactions.
- How can I change my PIN?
If you have forgotten your PIN or if you simply prefer to change it, please contact the BAHL Contact Centre at 111-014-014.
- Can I use my Visa Platinum Debit Card overseas?
Yes, it can be used abroad at ATMs and POS terminals where the Visa logos are displayed.
Before travelling abroad, please inform the Bank by calling BAHL Call Center at (+92 21) 111-014-014 to activate international transactions on your Debit Card. Furthermore, please note that overseas transaction fees will apply.
- How can I apply for card replacement?
You can apply for card replacement by contacting BAHL Contact Centre at (+92 21) 111-014-014
- My current card expires soon, when will I receive a replacement?
You will be issued a replacement card within the month your card is due to expire. If you have not received your replacement card towards the end of the month, please call us on 111-014-014.
- If I suspect that information on my Debit Card has been compromised or has been used to make fraudulent purchases, what should I do?
Immediately report any fraudulent or suspected transaction on your BAHL Debit Card by contacting the BAHL Contact Centre at (+92 21) 111-014-014. The bank will investigate the transaction and update you accordingly.
- What do I do if I want to lodge a complaint?
You may lodge your complaint by contacting the BAHL Contact Centre at (+92 21) 111-014-014.
- What happens if my VISA Debit/ ATM card is lost or stolen?
If your card is lost or stolen, report the loss immediately to BAHL Contact Center at (+92 21) 111-014-014 . Once the bank is informed about the loss or theft, it will immediately block the card and replace your card by issuing you a new card at applicable charges upon your request.
It is always safe not to keep the card and the PIN together. It is also advised to change your PIN periodically.
- Can others use my Card?
We strongly request you not to allow any other person to use the card as it is intended only for the person on whose name the card is issued. The bank shall not be responsible for use of the cards by other persons and any loss or damage arising out of such transactions.
- What are the other Benefits of this Debit Card Product?
VISA Luxury Hotel Collection (VLHC)
VLHC is composed of over 900 intriguing and prestigious properties. All properties, from boutique gems to world famous hotels, provide a premium collection of benefits specially designed to offer an unparalleled experience.
Offer:
- Customers must book through www.visaluxuryhotels.com to avail of the offer
- Best available rate guarantee
- Automatic room upgrade on arrival
- Complimentary in-room Wi-Fi
- Complimentary continental breakfast daily
- $25 USD food or beverage credit
- VIP guest status
- 3pm check out upon request
Avis Car Rental
Discounts and Privileges at Avis for Visa Platinum Cardholders include up to 20% discount on standard rates and 10% off of international leisure rates
Simply visit www.avisworld.com/visa to avail the offer.
Jumeirah Dining Offers
Visa Platinum Cardholders can get 20% off at Jumeirah Dining establishments, including:
- The Rib Room, Jumeriah Emirates Towers
- Mundo Jumeriah Emirates Towers
- Scape Restaurant, Burj Al Arab
- Arboretum, Jumeirah Al Qasr
- Hanaaya, Jumeirah Mina A'Salam
- Tortuga, Madinat Jumeirah
- Imperium, Jumeirah Zabeel Saray
Free Lounge Access
Enjoy privileged free acess to airport CIP lounge and avail exculisive benefits at international Departures of Jinnah international Airport Karachi, Allama Iqbal International Airport Lahore, Multan International Airport lounge of Islamabad International Airport.