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Overview

Bank AL Habib Debit Cards are a secure and convenient option to do shopping, pay bills, and do more without carrying cash. You can also withdraw money from an Automated Teller Machine (ATM) using your Bank AL Habib Debit Card

Unlike a credit card, the amount is automatically taken from your account, so you must have the balance in your account for your transactions.

Advanced Security for your peace of mind

The small metallic square you see on your new card is what makes it smarter. It uses advanced encryption techniques (Secure chip technology ‘EMV’) to verify your card, adding another layer of security this makes it harder for your card to be misused.

Debit Card
Debit Card

Debit Cards for People from Different Walks of Life

Bank AL Habib offers Debit Cards with different transaction limits. Choose the one that fits your needs

Visa
Use globally and across Pakistan
PayPak
For use in Pakistan
UnionPay
Use internationally and across Pakistan
Compare Cards Discounts & Offers

Platinum Debit Card Features

Bank AL Habib Visa Platinum Debit Card is your financial power-key. Linked to over 1.7 million ATMs and 24 million merchants globally, Bank AL Habib helps you unlock premium lifestyle facilities globally.

Debit Card
Use it at millions of ATMs around the world
Debit Card
Utility Bill Payment
Debit Card
Transfer Funds
Debit Card
For 24/7 guidance call our helpline
Debit Card
Get Supplementary Cards
Debit Card
Avail Exclusive Discounts
Debit Card
View Discounts List About Visa Platinum Visa Platinum Benefits
Click here to download Rules/Terms & Conditions

How To Activate Your Debit Card?

You can Activate your Debit Card through any of these Channels

ATMs

ATMs
Call Center

Call Center
ATMs

Netbanking
Call Center

AL Habib Mobile

Other Information

  • How to apply for Visa Debit Platinum Card?
    New Customers:
    • You can apply through the account opening form, if you fulfill the eligibility criteria, which will be completed at your relationship branch.
    Existing Customers:
    • For first-time issuance of Debit Card, contact your relationship branch.
    • In case you already have a Debit Card and needs replacement or conversion, contact 24/7 call center at (+92 21) 111-014-014.
    • You can avail up to 3 supplementary cards.
  • Average Monthly Balance ( PKR) 500,000 or above
    Monthly Salary (PKR)300,000 or above
  • TransactionDaily Limits (PKR)
    Visa Platinum PrimaryVisa Platinum Supplementary
    ATM Cash Withdrawal200,00050,000
    POS750,000100,000
    Funds Transfer Across Accounts500,000Not Allowed
  • TransactionCharges*
    Annual Fee for Primary Card PKR 6,000
    Annual Fee for Supplementary CardPKR 3,600
    Card Replacement Fee (Primary / Supplementary)PKR 6,000 / 3,600
    Fund transfer to any account within BAHLNIL
    ATM Cash Withdrawal - Local (1 Link) PKR 23.44
    Balance inquiry charges - Local (1 Link) PKR 3.13
    ATM Reciept printing fee - OFF NetPKR 3.13
    ATM Reciept printing fee - On Net ( Cash withdrawal & Balance inquiry receipt) PKR 3.13
    ATM Cash Withdrawal - International4% of transaction amount
    Balance inquiry charges - International PKR 250
    POS/E-Commerce transaction charges - International3.75% of transaction amount
    IBFT charges via ATM Free IBFT - Up to PKR 25,000/- per month / per account.
    For additional amount above PKR 25,000/- per month/ per account, 0.1% of the transaction amount or PKR 200, whichever is lower will be charged
    • *Note: These charges are exclusive of FED.
    • *The rates are effective from July 2023

  • In case your Debit Card is lost/stolen or suspect misuse, immediately block your card via AL Habib Mobile App / Netbanking or by calling at Bank AL Habib Helpline (+92 21) 111 014 014 from your registered number.

Gold Debit Card Features

Linked to the Global Visa Network, Bank AL Habib Visa Gold Debit Card empowers you to handle purchases and withdraw cash while travelling abroad.

Debit Card
Avail Exclusive Discounts at participating outlets
Debit Card
Use it at millions of ATMs and retail outlets locally and globally*
Debit Card
Get Supplementary Cards
Debit Card
Utility bill payment
Debit Card
For 24/7 assistance and guidance call at our Helpline
Debit Card
Transfer Funds
Debit Card
View Benefits
Click here to download Rules/Terms & Conditions

How To Activate Your Debit Card?

You can Activate your Debit Card through any of these Channels

ATMs

ATMs
Call Center

Call Center
ATMs

Netbanking
Call Center

AL Habib Mobile

Other Information

  • How to apply for Visa Gold Debit Card?
    New Customers:
    • Apply by filling the account opening form available at your relationship branch.
    Existing Customers:
    • For first-time issuance of Debit Card, contact your relationship branch.
    • In case you already have a Debit Card and needs replacement or conversion, contact 24/7 call center at (+92 21) 111-014-014.
    • A customer may avail up to 5 supplementary cards.
  • TransactionDaily Limits (PKR)
    Visa Gold PrimaryVisa Gold Supplementary
    ATM Cash Withdrawal150,00030,000
    POS250,00075,000
    Funds Transfer Across Accounts300,000Not Allowed
  • TransactionCharges*
    Annual Fee for Primary Card PKR 3,000
    Annual Fee for Supplementary CardPKR 1,850
    Card Replacement Fee (Primary / Supplementary)PKR 3,000 / 1,850
    Fund transfer to any account within BAHLNIL
    ATM Cash Withdrawal - Local (1 Link) PKR 23.44
    Balance inquiry charges - Local (1 Link) PKR 3.13
    ATM Reciept printing fee - OFF NetPKR 3.13
    ATM Reciept printing fee - On Net ( Cash withdrawal & Balance inquiry receipt) PKR 3.13
    ATM Cash Withdrawal - International4% of transaction amount
    Balance inquiry charges - International PKR 250
    POS/E-Commerce transaction charges - International3.75% of transaction amount
    IBFT charges via ATM Free IBFT - Up to PKR 25,000/- per month / per account.
    For additional amount above PKR 25,000/- per month/ per account , 0.1% of the transaction amount or PKR 200, whichever is lower will be charged
    • *Note: These charges are exclusive of FED.
    • *The rates are effective from July 2023

  • In case your Debit Card is lost/stolen or suspect misuse, immediately block your card via AL Habib Mobile App / Netbanking or by calling at Bank AL Habib Helpline (+92 21) 111 014 014 from your registered number.

Silver Debit Card Features

Bank AL Habib Visa Silver Debit Card enables you the access to your account from over 1.65 million ATMs and 20 million merchants in 148 countries.

Debit Card
Avail Exclusive Discounts at participating outlets
Debit Card
Use it at millions of ATMs and retail outlets locally and globally*
Debit Card
Utility Bill Payment
Debit Card
Transfer Funds
Debit Card
Get Supplementary Cards
Debit Card
For 24/7 assistance and guidance call at our Helpline
Debit Card
View Benefits
Click here to download Rules/Terms & Conditions

How To Activate Your Debit Card?

You can Activate your Debit Card through any of these Channels

ATMs

ATMs
Call Center

Call Center
ATMs

Netbanking
Call Center

AL Habib Mobile

Other Information

  • How to apply for Visa Silver Debit Card?
    New Customers:
    • Apply by filling the account opening form available at your relationship branch..
    Existing Customers:
    • For first-time issuance of Debit Card, contact your relationship branch.
    • In case you already have a Debit Card and needs replacement or conversion, contact 24/7 call center at (+92 21) 111-014-014.
    • You can get up to 2 supplementary cards.
  • TransactionDaily Limits (PKR)
    Visa Silver PrimaryVisa Silver Supplementary
    ATM Cash Withdrawal100,00025,000
    POS200,00050,000
    Funds Transfer Across Accounts250,000Not Allowed
  • TransactionCharges*
    Annual Fee for Primary Card PKR 2,000
    Annual Fee for Supplementary CardPKR 1,400
    Card Replacement Fee (Primary / Supplementary)PKR 2,000 / 1,400
    Fund transfer to any account within BAHLNIL
    ATM Cash Withdrawal - Local (1 Link) PKR 23.44
    Balance inquiry charges - Local (1 Link) PKR 3.13
    ATM Reciept printing fee - OFF NetPKR 3.13
    ATM Reciept printing fee - On Net ( Cash withdrawal & Balance inquiry receipt) PKR 3.13
    ATM Cash Withdrawal - International4% of transaction amount
    Balance inquiry charges - International PKR 250
    POS/E-Commerce transaction charges - International3.75% of transaction amount
    IBFT charges via ATM Free IBFT - Up to PKR 25,000/- per month / per account.
    For additional amount above PKR 25,000/- per month/ per account, 0.1% of the transaction amount or PKR 200, whichever is lower will be charged
    • *Note: These charges are exclusive of FED.
    • *The rates are effective from July 2023

  • In case your Debit Card is lost/stolen or suspect misuse, immediately block your card via AL Habib Mobile App / Netbanking or by calling at Bank AL Habib Helpline (+92 21) 111 014 014 from your registered number.

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.

For SBP Circular: CLICK HERE

Visa Global Customer Assistance Service (GCAS)

While travelling overseas, you can get emergency assistance at the following numbers:

Debit Cards Frequently Asked Questions

  • How can I activate my Debit Card through BAHL ATMs?
    • 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)

    Note: Kindly collect and activate your Debit Card within 60 days of issuance from your concerned branch. In case the collection/activation of Debit Card exceeds beyond the mentioned timeline, it may result in cancellation/blockage of your Debit Card after which a replacement card will be issued on request and will be charged as per the prevailing schedule of charges.

    For further assistance or query 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
    • PIN change

  • No. However, you may consider applying for a different Debit Card that offers the limit structure that is best for you. Please find a comparison of our Debit Card on the link given below:
    (Comparison link)

  • 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. For International transactions only, the Merchant can also swipe your card and give you a slip to sign. Only if the fallback service has been enabled by the Bank upon the customer's request.

    After successful verification, please remember to collect your Debit Card and charge slip after completion of the transaction.

    Note : Local transactions under PKR 3000/- do not require a Debit Card PIN. The payment can be made by Tap & Pay on the Point-of-Sale (POS).

  • 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, you may use the following channels:

    • AL Habib Netbanking (In Debit Card Management section)
    • AL Habib Mobile (In Debit Card Management section)
    • Call Center
    • AL Habib ATMs

  • Only VISA and UnionPay Debit Card may be used abroad at ATMs or POS terminals. PayPak cards can be used only in Pakistan.

    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 debit card and debit card 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 Debit Card by other persons and any loss or damage arising out of such transactions.

    • Log in to AL Habib Mobile App or AL Habib Net Banking
    • Navigate to the ‘Debit Card Management” section from the main menu
    • Select "Manage Card"
    • Entre your, DOB and OTP received via SMS on your registered mobile number as per bank’s record.
    • set a 4-digit PIN for debit card usage
    • Upon successful activation of card, SMS alert/ email will be sent to your registered mobile as per bank's record.
    • Dial our 24/7 Call Center (+92 21) 111-014-014 from registered number to speak with the Phone banking officer for activation of your debit card.
    • Once connected, Phone banking officer will verify your credentials
    • Upon successful verification, call will be transferred to Interactive Voice Response (IVR) for PIN generation.
    • After the activation of card, SMS alert/ e-mail will be sent to your registered mobile as per bank’s record.
    • Debit card will be ready for use immediately upon successful activation.

EMV Chip Frequently Asked Questions

  • What is an EMV Chip & PIN Card?

    Chip and PIN cards are evolution of electronic payments around the globe, helping to make payments more secure. This means that cardholders will be required to enter PIN (Personal Identification number) to complete the transactions performed on POS terminals and ATMs.

  • Yes. Embedded chip based cards provide much better protection than traditional magnetic stripe cards.

  • No, the PIN will be same for ATM and POS transactions.

    • Step 1: The merchant inserts your Debit Card at POS machine and enters the transaction amount.
    • Step 2: The POS machine will prompt for a Debit Card PIN to be entered by you.
    • Step 3: On entering the correct PIN, the transaction is confirmed and completed.
    • Step 4: Receive the card from the merchant without delay.

    Note: Bank AL Habib will never contact you for asking your personal information, card number, PIN, OTP or CVV via phone, SMS or email. Never share your debit card PIN or any other confidential information with anyone. Please also change your PIN frequently for your own security and convenience.