Credit Card Features

Acceptability Around the Globe AL Habib Credit Cards are honored at 24 million locations in over 120 countries including thousands of merchants in Pakistan, AL Habib ATMs and MasterCard/Cirrus ATM networks worldwide. It gives you freedom of spending, financial security and worldwide recognition. You can make payments in any currency i.e. in case; you are traveling abroad, the currency of that particular country. However, the amount billed will be in Pak Rupees.   Revolving Facility You may pay in full or enjoy revolving credit facility by paying only 5% of your billed amount or PKR 400 whichever is higher plus insurance premium, if any. You have the power to spend, as you always get your limit reinstated as soon as you make the payment. In case you utilize the revolving credit facility on your credit card, the current service fee is 2.083% per month i.e. APR 25% p.a. Convenient Payment Modes Live a worry-free life; make your payments through easy modes of payment to suit your convenience. These options will save your time and help you to maintain good credit history with AL Habib. No standing in long queues or the inconvenience of long procedures. AL Habib ATMs with your ATM/Debit Card Automated payment service at our Call Centre AL Habib Netbanking Direct Debit facility from your Bank AL Habib Account Drop Boxes placed at all the Bank AL Habib Branches Cheques Cash payment at any Bank AL Habib Branch

Values

Values Directors and employees of the Bank shall always be guided by the following values: Respect for people Relationships of Trust Service to Customers Simplicity in Everything Culture of Ownership Communication & Cooperation Brief description of each of the above-mentioned values is given below: Respect for People We must treat our colleagues, customers, and all other persons who come into contact with us with utmost respect, courtesy, and decency. Relationships of Trust We must be worthy of the trust of people who work or do business with us. Trust is earned by acting with honesty, fairness, and prudence in all dealings and in all circumstances. Keeping promises is an essential element of trust. Service to Customers We must provide the best possible

AL Habib Mobile

Signature Debit Card Term & Conditions

Privacy Policy

Introduction This Website is owned and controlled by Bank AL Habib Ltd. ("BAHL"). BAHL respects the privacy of visitors to its Website, and advises all visitors/surfers and clients to read and understand our privacy policy, and to check it periodically for any updates or revisions. When you visit this Website, BAHL may collect personal data about you, either directly (where you are asked to provide the data) or indirectly (through IP address, cookies, etc.). BAHL will, however, use such personal data only for the purposes set forth in this Privacy Statement and BAHL is committed to safeguarding such personal data. This Statement sets out the purposes of BAHL's data processing in respect of this Website. BAHL may gather and analyze information relating to particulars of users, their computing equipment/devices, usage of this Website, including domain name, the number of hits, the pages visited, previous/subsequent sites visited and length of user session.  Purposes of Processing BAHL collects and processes information about customers and visitors to its Website to conduct its business, to inform and offer products and services that may be of interest to you, as well as to compile Web statistics. The information provided by you can be used to contact you when necessary, e.g. to obtain further information or confirmation about your data, notify you about functionality changes to the Website and BAHL online services, as well as to offer other services that you may find helpful (provided you have not opted out of receiving such services). Sensitive Data/Information BAHL does not seek to collect sensitive personal information (such as information revealing personal preferences, political opinions, religious beliefs, health or other matters) through this Website. If BAHL does collect any such data, your prior consent for this will be obtained. Please note that, by providing BAHL with solicited or unsolicited sensitive personal information you consent to our using such personal information as described above.  Disclosure of Information Where required by Financial Services Regulator(s) or Law Enforcement Agencies, BAHL will share necessary customer and other information, as advised. Other than this, BAHL will never disclose information that it has collected from its users to any of its affiliates, independent contractors and business partners for any purpose, whatsoever. Also we will not transfer information collected in the process of sales of our products and services. Third Party Sites Please note that this Privacy Statement does not extend to third party websites linked to this/BAHL’s Website. Amendments BAHL reserves the right to modify this Privacy Statement, or any part thereof, at any time and from time to time. You are requested to kindly review this statement frequently for any changes. Website Analytics BAHL Website uses analytical tools, a service which transmits website traffic data to analytical tools. Google Analytics does not identify users or associate your IP address with any other data. We use these tools to understand website traffic, and usage.We use the following tools for Advertising Google AdWords  Personal Data: Cookies and Usage Data Facebook Audience Network Personal Data: Cookies, unique device identifiers for advertising (Google Advertiser ID or IDFA, for example) and Usage Data For Bahrain Customers Download the Bank AL Habib Data Privacy Notice Click here.

Whistle Blower Policy

Whistle Blower Policy Policy in Reporting Violations Bank AL Habib Limited requires all employees to observe high standards of business and personal ethics in the conduct of their duties and responsibilities. They must practice honesty and integrity in fulfilling their responsibilities and comply with all applicable laws, regulations, policies, and instructions issued from time to time. This Policy outlines a process to enable employees and outside parties to report their knowledge or suspicions about any unethical, illegal, fraudulent, improper, or unauthorized activity within the Bank. This process is intended to be used for serious and sensitive matters. It is not meant for employment-related grievances, which should continue to be routed through normal channels. It is also not meant for business-related complaints, which should continue to be routed to Customer Complaint Unit at Principal Office, Karachi. Procedures/ Communication Channels for Lodgment of Complaints Duty to Report If an employee knows, believes, or suspects that any unethical, illegal, fraudulent, impr

AL Habib Digital Account

Avail 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. You also have access to the detailed product information. Stay updated with ongoing promotions and discount deals. Keep in touch with us! In case you have not already subscribed to the service please contact your Bank AL Habib branch for subscription to this service or go to instant registration.

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. In case the incident occurs while you are traveling abroad, you may call MasterCard International Helpline Numbers. No matter, where you are in the world……feel safe and secure with efficient global assistance.

AL Habib Visa Platinum