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AL Habib Platinum Debit Card

Your Financial Passport

Experience a new world of premium benefits

Step up with the Bank AL Habib Platinum Debit 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 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 Exclusive Discounts

Your Bank AL Habib Platinum Debit Card gives you access to premium discounts exclusively.

View Discounts

Avail world-class international Visa services and privileges you truly deserve.

Purchase Protection

When paying with your 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

Access to
Majestic Lounge (Karachi) & CIP Lounge (Lahore, Islamabad, Peshawar, Multan, Faisalabad).

Applicable at International Departure Terminals only

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.

Jumeirah Hotel Offers

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

Platinum Cardholders can travel the world safe in the knowledge that they always have access to the help they 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.
  • A constantly updated array of the latest Visa Platinum offers, privileges and indulgences, all selected from the most discerning cardholders.

Frequently Asked Questions

  • How to apply for VISA Platinum Debit Card?
    Existing Cardholders
    • In case you already possess a Debit Card issued by Bank AL Habib, contact your relationship branch or call (+92 21) 111-014-014 for further assistance.
    Supplementary Cards:
    • You can avail up to 3 supplementary cards.
    Eligibility Criteria:
    Avg. Monthly Balance (PKR) or500,000 or above
    Monthly Salary (PKR)300,000 or above

  • Card Fee Structure

    ParticularsFEE/Charges (In PKR)
    Annual – Primary8,000
    Annual – Supplementary5,500
    Renewal – Primary8,000
    Renewal – Supplementary5,500
    Card Replacement Fee Primary / Supplementary 8,000 / 5,500

    Transaction Charges

    ParticularsFEE/Charges (In PKR)
    Cash Withdrawal – BAHL ATMsNIL
    Cash Withdrawal from other Bank ATMPKR 23.44 - Per withdrawal
    International ATM Withdrawal4.50% of transaction amount or Rs 300 whichever is higher
    International POS Transaction4.50% of transaction amount
    International Balance InquiryPKR 300/- Per inquiry

    *The rates are effective from 1st July 2025

  • 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 Debit Card 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:

    • Cash withdrawal through ATM
    • Purchase through Point-of-Sale (POS) Terminals
    • Utility bill payments
    • Balance Inquiry
    • Mini-Statement
    • Funds Transfer

  • Daily Limits:

    Particulars Per day Limit (In PKR)
    Primary Supplementary
    ATM Withdrawal300,000 150,000
    POS Utilization1,000,000 250,000
    Funds Transfer/IBFT500,000 Not allowed

  • No. However, you may consider applying for a different Debit 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 Debit Card 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 Debit Card and charge slip after completion of the transaction.

  • BAHL Visa Debit Cards are currently enabled for online transactions through 3D Secure.

  • If you have forgotten your Debit Card PIN or if you simply prefer to change it, please contact the BAHL Contact Centre at (+92 21) 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 card. Furthermore, please note that overseas transaction fees will apply.

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

  • You will be issued a replacement card within the month your Debit Card is due to expire. If you have not received your replacement card towards the end of the month, please call us on (+92 21) 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 Debit 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 Debit Card and replace your card by issuing you a new Debit 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 Debit Card as it is intended only for the person on whose name the Debit Card is issued. The bank shall not be responsible for use of the Card by other persons and any loss or damage arising out of such transactions.

  • 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,Jumeirah Emirates Towers
    • Mundo, Jumeirah Emirates Towers
    • Hanaaya, Jumeirah Mina A’Salam
    • Scape Restaurant, Burj Al Arab
    • Tortuga, Madinat Juimeirah
    • Imperium, Jumeirah Zabeel Saray
    • Arboretum, Jumeirah Al Qasr

    Free Lounge Access

    Enjoy privileged free access to airport CIP lounge and avail exclusive benefits at International Departures of Jinnah International Airport Karachi, Allama Iqbal International Airport lahore, Multan International Airport and Airline lounge of Islamabad International Airport.