Bank AL Habib offers a choice of Classic and Gold Credit Cards to its existing account holders.
Enjoy financial freedom as you can buy now and pay later at your convenience. There are up to 51 credit-free days. Choose the Card that suits your lifestyle.
Being our valued customer, you deserve to be rewarded! Earn Reward Points with every PKR. 50 (or equivalent foreign currency) purchases on Basic or Supplementary Cards. Redeeming your Reward Points for desired items or services is quick and easy. Choose from a wide variety and options available at our Reward Points Redemption Partners. Only 2500 Reward Points are required to embark on the redemption journey. Just call our Helpline for redemption.
You can Activate your Debit Card through any of these Channels
AL Habib Mobile
3 Simple Steps to Start
Sign on the designated space on the reverse of your AL Habib Credit Card
Call us at Helpline UAN: 111-014-014 or 0800-00006 or 021 - 32446978
Now your AL Habib Credit Card is ready to use at millions of establishments worldwide.
AL Habib Helpline is accessible 24/7 from around the world where our well-trained and efficient staff is at your service to assist you.
Activation, cancellation and suspension of your Credit Card.
Answering your queries.
Registering and resolving your complaints.
Registering a lost/stolen Credit Card
Payment of Credit Card dues.
Reward Points Redemption.
Availing E-Statement and AL Habib Mobile and Netbanking Facility.
AL Habib Credit Card is available for existing customers of the bank.
Existing individual Account Holders
Salaried employees of Corporate Relationships receiving monthly salaries in their Bank AL Habib account.
Self-employed Professionals and Businessmen.
Age: 21-60 years for salaried customers.
Age: 21-65 years for self-employed Professional and Businessmen.
Age for Supplementary Card Applicant: 18-70 years.
Minimum Income requirement for salaried applicants PKR 20,000 per month.
Minimum Income requirement for self-employed Professional & Businessmen PKR 25,000 per month.
Debt burden not to exceed 40% of take-home income of the applicant.
Clearance from eCIB and compliance with SBP Prudential Regulations.
As per the directives of State Bank, transactions are not permissible directly or indirectly with forex trading apps/websites/platforms which are involved in Foreign Exchange trading, Margin Trading and Contract for Difference (CFD) trading (such as OctaFx, Easy Forex, etc) and will be blocked by the system. For more information, please Click Here
SBP Directives for Cross-Border Transactions:
Debit/Credit Card individual cross border industry wide transactions limit is now capped up to USD 30,000 annually and will only be allowed for personal usage. It is applicable from November 1st 2022.
Cards usage limits will be prescribed limits as per the risk profile of customers.
Non-compliance of this circular may lead to will face pecuniary or administration action if deemed necessary by SBP.
A proper due diligence and update of risk profiling of the customers is required at the time of card on boarding and allow cross border limit as per their profiles. Issuance of multiple cards to the customers must be adjusted as per their risk profiles and should also be monitored.