Card Fee Structure

Transaction Charges

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:

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

You may perform the following transactions using your Debit Card:

Daily Limits:

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

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.

BAHL Debit Cards are currently not enabled for online transactions.

If you have forgotten your PIN or if you simply prefer to change it, please contact the BAHL Contact Centre at 111-014-014.

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.

You can apply for card replacement by contacting BAHL Contact Centre at (+92 21) 111-014-014

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.

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.

You may lodge your complaint by contacting the BAHL Contact Centre at (+92 21) 111-014-014.

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.

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.

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