Islamic Banking 
(021) 111-014-014 
Login 
En 
Experience a superior lifestyle with the Mastercard Platinum Credit Card, tailored for high-net-worth individuals.
Whether you’re traveling for business or leisure, enjoy premium privileges, enhanced security, and global acceptance for peace of mind worldwide.
Designed Around You
Key Features & Benefits
Complimentary Airport Lounge Access
Travel should always feel like a pleasure. With the Platinum Mastercard® Lounge Program, you can relax before your flight.
- Mastercard Travel Pass App: Download the app to access your benefits.
- Global Access: Enjoy unlimited, complimentary access for yourself to over 25 regional and international airport lounges across the UAE, Saudi Arabia, Jordan, UK, USA, Canada, France, Singapore, and more.
- Lounge Amenities: Enjoy complimentary refreshments, snacks, and access to business facilities like email, internet, and conference spaces in select lounges.
Exclusive Rewards Program
Make every spend count with our rewarding loyalty program.
- Earn Points: Earn a reward point on every spend of Rs. 50/-.
- Accelerated Rewards: Earn up to 3X rewards at selected merchants.
- Redemption: Easily redeem your rewards for shopping vouchers.
Lifestyle & Travel Privileges
AL Habib Platinum Credit Card offers incomparable benefits for travel and leisure.
- Priceless Cities: Unlock exclusive experiences in the cities you live in and travel to.
- Travel Discounts:
- Car Rental: Enjoy discounts at Avis, Budget, and rentalcars.com
- Accommodation: Get up to 10% cashback on Booking.com
- Dining: Avail exclusive discounts on Foodpanda food delivery and other various premium restaurants
- Medical Tourism: Access a dedicated Medical Tourism Concierge for your healthcare travel needs.
Comprehensive Security & Peace of Mind
- Purchase Protection: Shop with confidence knowing your purchases are protected.
- Credit Shield Coverage: Benefit from added financial security with our credit shield coverage options.
Value Added Services
- Supplementary Cards: Share the benefits with up to 3 Supplementary cards for your family members.
- Flexible Payments: Take advantage of exciting installment plans for your big-ticket purchases.
Rewards and Tools
Earn on every Spend
Earn on every Spend Earn reward points on local and international purchases made with your Platinum Credit Card.
Faster Accumulation on selected categories
Enjoy higher reward value on selected spend categories and partner merchants.
Redeem Your Way
Use your reward points across a range of redemption options available under the Bank’s rewards program.
Exclusive Privileges
Access exclusive offers, promotions, and privileges curated for Platinum cardholders.
Available Activation Channels
AL Habib Mobile App
1. Seamless activation via the app on your smartphone
Netbanking Secure
2. Activation through our online banking portal.
Call Centre
3. Your card is now active and ready to use worldwide.
Know More about Your Credit Card
| Annual Fee Basic Annual Fee Supplementary | 20,000 8,000 |
| Credit Card APR | 25% |
| Late Payment Fee | 10% of the minimum payment due or Rs. 2,200/- whichever is higher. |
| Cash Advance Fee | 3% or Rs. 1000/- whichever is higher. |
| Credit Card Replacement Fee (Basic) Credit Card Replacement Fee (Supplementary) | 1,600 1,600 |
| Cheque Return Fee | Rs. 900 |
| Sales Slip retrieval Charges (local) | At actuals |
| Sales Slip retrieval Charges (International) | At actuals |
| Charges on Foreign Transactions | 4.5% on Transaction Amount. |
Annual Percentage Rate (APR) and Interest-Free Periods : The Bank AL Habib Credit Card carries an APR of 25% per annum. However, cardholders can benefit from an interest-free period of up to 51 days, provided the statement balance is paid in full by the designated due date.
Payment Due Dates and Delinquency: Typically, your payment is due 20 to 25 days after your statement is generated. It is crucial to make payments on time; missing a due date will result in late fees and service charges being applied to your account.
Understanding Your Credit Limit: Your credit limit represents the maximum amount you are permitted to charge to your card. This figure is calculated based on several personal factors, including your monthly income, credit history, and overall financial profile. If you find that your current limit is insufficient, you may request an increase by visiting the a Bank AL Habib branch or contacting customer service.
Cash Advance Capabilities: In addition to standard purchases, you can withdraw cash using your card. The cash withdrawal limit is set at 60% of your total assigned credit limit. Please be aware that specific charges apply to all cash advance transactions.
Reporting Lost or Stolen Cards: If your card is lost or stolen, you must act immediately to prevent unauthorized transactions.
You can block your card 24/7 by calling (+92 21) 111 014 014.
Alternatively, you can instantly block your card via the Bank AL Habib Mobile App or Netbanking portal.
Earning Points: The Bank AL Habib Credit Card rewards you for your everyday spending. Cardholders earn one reward point for every PKR 50 spent, allowing you to accumulate value as you use your card for purchases.
Bank AL Habib Platinum Credit Card is available for existing customers of the bank.
Existing individual Account Holders
- Salaried Individuals: Minimum PKR 500,000 gross monthly salary.
- Self-Employed / Professionals: Average balance of PKR 1 million for last 6 months/1 year turnover.
- 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.
- Debt burden not to exceed 40% of take-home income of the applicant.
- Clearance from eCIB and compliance with SBP Prudential Regulations.
Support
Lost or stolen card replacement
In case your Card is lost or stolen, call our Helpline immediately to report the incident. Our Customer Service Officer will ensure that the Replacement Card is sent to you within turnaround time.
Learn MoreAvail AL Habib Netbanking
Your Credit Card Account is just a click away! Log on to AL Habib Netbanking from anywhere, any time and manage your AL Habib Credit Card Account conveniently, effectively and without any charges.
Learn MoreAvail SMS Alerts
SMS Alerts allow you to stay update while using the Credit Card. You will receive alerts on your mobile number if provided by you, on the following activities.
Learn More24-Hour Helpline
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.
Overseas
+92-21-111-014-014 | +92-21-800-00006 | +92-21-32446978 | +92-21-32464283 | +92-21-32464285
Pakistan
+92-21-111-014-014 | +92-21-800-00006 | +92-21-32446978
International Helpline Numbers
Access dedicated support lines across 180+ countries, available 24/7 exclusively for Platinum Cardmembers.
Disclaimer
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