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Overview
BAHL 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 BAHL 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.
Different debit cards for different people
Bank AL Habib offers Debit Cards with different transaction limits. Choose the one that fits your needs
Visa Debit Gold 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.
Avail Exclusive Discounts at participating outlets
Use it at millions of ATMs and retail outlets locally and globally*
Get Supplementary Cards
Utility bill payment
For 24/7 assistance and guidance call at our Helpline
Transfer Funds
Other Information
- How to Apply for VISA Debit Gold Card?
New Customers:
- Apply by filling the account opening form available at your relationship branch.
Existing BAHL Customers:
- For first-time issuance of debit card: please contact your relationship branch.
- For debit card replacement/conversion: please contact our 24/7 Call Centre at (+92 21) 111-014-014.
Supplementary Cards:
- You can get up to 5 supplementary cards.
- To apply please visit your relationship branch.
Daily Usage Limits:
Transaction Daily Limits (PKR) VISA Gold Primary VISA Gold Supplementary ATM Cash Withdrawal 100,000 30,000 POS (Point of Sale) Transaction 200,000 75,000 Funds Transfer Across Accounts 250,000 Not Allowed Fees And Charges:
Transaction Charges* Annual Fee for Primary Card PKR 1750 Annual Fee for Supplementary Card PKR 1000 Card Replacement Fee - Primary Card PKR 1750 Card Replacement Fee - Supplementary Card PKR 1000 International ATM Withdrawal Charges 3.5% of the Transaction Amount International POS Transaction Charges 3.5% on the Transaction Amount International Balance Enquiry Charges PKR 200 Funds Transfer to any account within BAHL NIL Funds Transfer to bank accounts other than BAHL: Free IBFT - Upto Rs.25, 000/- per month/per account.
For additional amount above Rs.25, 000/- per month / per account, 0.1% of the transaction amount or Rs.200, whichever is lower will be charged.- *Note: These charges are exclusive of FED.
- How to report a Lost or Stolen Card?
In case your Debit Card is lost/stolen or suspect misuse, immediately block your card by calling at Bank AL Habib Helpline from your registered number.
Visa Debit Platinum 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.
Use it at millions of ATMs around the world
Utility Bill Payment
Transfer Funds
For 24/7 guidance call our helpline
Get Supplementary Cards
Avail Exclusive Discounts
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 Cardholders
- In case you already possess a Debit Card issued by Bank AL Habib, contact your relationship branch or call 111-014-014 for further assistance.
Supplementary Cards:
- You can avail up to 3 supplementary cards.
Eligibility Criteria:
Avg. Monthly Balance (PKR) or 500,000 or above Monthly Salary (PKR) 300,000 or above Daily Usage Limits:
Transaction Daily Limits (PKR) VISA Platinum Primary VISA Platinum Supplementary ATM Cash Withdrawal 200,000 50,000 POS (Point of Sale) Transaction 750,000 100,000 Funds Transfer Across Accounts 500,000 Not Allowed Fees And Charges:
Transaction Charges* Annual Fee for Primary Card PKR 4,000 Annual Fee for Supplementary Card PKR 2,000 Card Replacement Fee (Primary / Supplementary) PKR 4,000 / 2,000 International ATM Withdrawal Charges 3.5% of the Transaction Amount International POS Transaction Charges 3.5% on the Transaction Amount International Balance Enquiry Charges PKR 200 Funds Transfer to any account within BAHL NIL Funds Transfer to bank accounts other than BAHL Free IBFT - Upto Rs.25, 000/- per month/per account.
For additional amount above Rs.25, 000/- per month / per account, 0.1% of the transaction amount or Rs.200, whichever is lower will be charged.- *Note: These charges are exclusive of FED.
Visa Debit Silver 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.
Avail Exclusive Discounts at participating outlets
Use it at millions of ATMs and retail outlets locally and globally*
Utility Bill Payment
Transfer Funds
Get Supplementary Cards
For 24/7 assistance and guidance call at our Helpline
Other Information
- How to Apply for VISA Debit Silver Card?
New Customers:
- Apply by filling the account opening form available at your relationship branch.
Existing BAHL Customers:
- For first-time issuance of debit card: please contact your relationship branch.
- For debit card replacement/conversion: please contact our 24/7 Call Centre at (+92 21) 111-014-014.
Supplementary Cards:
- You can get up to 2 supplementary cards.
- To apply please visit your relationship branch.
Daily Usage Limits:
Transaction Daily Limits (PKR) VISA Silver Primary VISA Silver Supplementary ATM Cash Withdrawal 75,000 25,000 POS (Point of Sale) Transaction 150,000 50,000 Funds Transfer Across Accounts 200,000 Not Allowed Fees And Charges:
Transaction Charges* Annual Fee for Primary Card PKR 1400 Annual Fee for Supplementary Card PKR 800 Card Replacement Fee - Primary Card PKR 1400 Card Replacement Fee - Supplementary Card PKR 800 International ATM Withdrawal Charges 3.5% of the Transaction amount International POS Transaction Charges 3.5% on the Transaction amount International Balance Enquiry Charges PKR 200 Funds Transfer to any account within BAHL NIL Funds Transfer to bank accounts other than BAHL: Free IBFT - Upto Rs.25, 000/- per month/per account.
For additional amount above Rs.25, 000/- per month / per account, 0.1% of the transaction amount or Rs.200, whichever is lower will be charged.- *Note: These charges are exclusive of FED.
- How to report a Lost or Stolen Card
In case your Debit Card is lost/stolen or suspect misuse, immediately block your card by calling the Bank AL Habib.
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)
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 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
- PIN change
- Can the daily ATM cash withdrawal limit be changed?
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) - How do I make purchases through my 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 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.
- Can I shop online with my Debit Card?
BAHL Debit Cards are currently not enabled for online transactions.
- How can I change my Debit Card PIN?
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.
- Can I use my Debit Card overseas?
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.
- How can I apply for Debit Card replacement?
You can apply for Debit Card replacement by contacting BAHL Contact Centre at (+92 21) 111-014-014
- My current Debit Card expiry date is near, when will I receive a replacement?
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.
- 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 should 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 Debit Card is lost or stolen?
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. - Can others use my Debit Card?
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.
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.
- Are chip cards more secure than magnetic stripe based cards?
Yes. Embedded chip based cards provide much better protection than traditional magnetic stripe cards.
- Will the PIN be different for ATM and POS transactions?
No, the PIN will be same for ATM and POS transactions.
- How do I make payments with my Bank AL Habib EMV Debit Card?
- 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.