Utility Bills Payment

Bank AL Habib now offers 24/7 convenience of paying your taxes online, whenever & wherever you are. Pay your taxes against your pre-generated Payment Slip ID (PSID) through: No More Paperwork and Long Queues! Bank AL Habib ATMs AL Habib Netbanking and AL Habib Mobile Counters at the Bank AL Habib nationwide branch network Track your tax payments Get receipts of your tax payments No submission of physical challan For further assistance, please visit any of our nearest branch or contact our 24/7 Call Center at 021-111-014-014. Bank AL Habib (BAHL) offers various Utility Bills to be paid through Alternate Delivery Channels (ADC), currently ATM / Debit Card, Netbanking and AL Habib Mobile. BAHL value added Bill Payment Service is an electronic bill payment system that enables paying of utility bills, mobile phone bills and mobile phone top-ups, School, Clubs, Insurance payments 24 hours a day and 7 days a week from any BAHL ATM across Pakistan and BAHL Netbanking and AL Habib Mobile. It is simple, easy to use and above all this service is free of cost. At present customer can pay bills for the following companies. Through ATM 1. Utility Companies K-Electric, LESCO, HESCO, GEPCO, MEPCO, SEPCO,PESCO, SSGC, SNGPL, KWSB,FWASA,KE NEW CONNECTION 2. PTCL Companies PTCL Land Line, PTCL EVO Pre Paid, PTCL EVO Post Paid, PTCL Vfone, PTCL Defaulter 3. Telco Companies Warid, UFone, Telenor, Mobilink, Zong, (Prepaid and Postpaid Bill Payment),Oneload 4. Schools & Colleges Fee Karachi Public School, Habib Public School, Habib Girls School, Aitchison College, LUMS,BSS, Links Education Foundation, Green Shield Public School, Haque Academy, IBA Karachi 5. Internet Companies Wateen, Wi-Tribe, QUBEE, World Call, NAYATEL 6. Clubs Creek Club, Karachi Club, Karachi Boat Club 7. Insurance Companies ALICO , Jubilee, EFU Life Insurance,Pak Qatar FamilyTakaful Top Up,Pak Qatar GeneralTakaful,Pak Qatar FamilyTakaful Renewal 8. Engro Engro Fertilizer 9. Online Store/Digital Payments Daraz.pk, Jazz Cash Voucher 10. Asset Management Companies UBL FUND Management, Askary Investment, MCB Arif Habib AKD Investment, Al Meezan Investment, 11.  Welfare & Tax FBR, GoPb, SRB & Sindh Worker Welfare Fund 12. Donation TCF 13. Aggregator KuickPay, Paypro and Haball 14. 1Bill Member Bank Credit Card Payment,Invoice/Voucher Payment,Top Up 15. Bus/Air Line Daewoo Express 16. DHA Payments DHA IR (Islamabad & Rawalpindi) Through Bank AL Habib Netbanking 1. Utility Companies Utility Companies K-Electric, LESCO, HESCO, GEPCO, MEPCO, SEPCO,PESCO, SSGC, SNGPL, KWSB, FWASA, KE NEW CONNECTION 2. PTCL Companies PTCL Land Line, PTCL EVO Pre Paid, PTCL EVO Post Paid, PTCL Vfone, PTCL Defaulter 3. Telco Companies Warid, UFone, Telenor, Mobilink, Zong, (Prepaid and Postpaid Bill Payment) 4. Schools & Colleges Fee Karachi Public School, Habib Public School, Habib Girls School, Aitchison College, LUMS, BSS, Links Education Foundation, Green Shield Public School, Haque Academy, IBA Karachi 5. Internet Companies Wateen, Wi-Tribe, QUBEE, World Call, NAYATEL, 1Load, 6. Clubs Creek Club, Karachi Club, Karachi Boat Club, Dreamworld 7. Insurance Companies ALICO , Jubilee, EFU Life Insurance,Pak Qatar FamilyTakaful Top Up,Pak Qatar GeneralTakaful,Pak Qatar FamilyTakaful Renewal 9. Fertilizers Engro Fertilizer 10. Franchise Ufone 11. Welfare & Tax SECP,FBR, GoPb, SRB & Sindh Worker Welfare Fund 12. Asset Management Companies UBL FUND Management, Askary Investment, MCB Arif Habib AKD Investment, Al Meezan Investment, 13. Online Store/Digital Payments Jazz Cash Voucher 14. Aggregator Kuickpay, ConnectPay,PAYPRO 15. 1Bill Member Bank Credit Card Payment,Invoice/Voucher Payment,Top Up 16. Travelling Daewoo Express 17. Water & Sewerage DHA IR,FAWASA,KWSB 18. Shipping Companies DP World   For any issue or complaint, please contact: Your relationship branch where your account is maintained BAHL 24X7 Call Center 021-111-014-014 info@bankalhabib.com

AL Habib Visa Platinum

Current Openings

Customer Security Awareness

Introduction For the Netbanking Customers of Bank AL Habib, an extensive Customer Awareness Programme has been established to make our customers aware of initiatives undertaken by the Bank to facilitate its customers in enjoying secure internet banking. Security Tips Latest Internet Threats Identity Theft SIM Replacement Social Media Keystroke Capturing Social Engineering From time to time, Bank AL Habib will also issue updated guidelines and alerts for the continued security of our customers while using the Netbanking services. These guidelines/alerts are formulated both in En

Value Added Services

Debit Card Terms & Conditions

Green Banking Initiatives

Bank AL Habib promotes environmental sustainability through its Green Banking initiatives, while also nurturing a strong culture of social responsibility. By aligning with global sustainability frameworks, engaging employees, and taking steps to reduce its carbon footprint, Bank AL Habib demonstrates its commitment to building a more sustainable future. Bank AL Habib integrates environmental sustainability across 3 core pillars: Strengthening Sustainability Through Environmental and Social Risk Management (ESRM) Integration Environmental and Social Risk Management Green Business Facilitation Reduction of the Bank’s Own Environmental Impact The Bank has embedded an ESRM framework within its credit evaluation process for both new and existing clients. As one of only two banks selected by the State Bank of Pakistan to pilot ESRM in lending, Bank AL Habib commenced full integration of the framework in March 2024. This ensures that all credit proposals are subject to rigorous screening for environmental and social risks. Where risks are identified, an Environmental and Social Action Plan is implemented to ensure continuous improvement and monitoring. To support this initiative, over 1500+ employees have been trained in ESRM, reinforcing compliance with mitigation protocols. To further strengthen its sustainability strategy, Bank AL Habib has partnered with KPMG Taseer Hadi & Co. Pakistan for consultancy in the implementation, validation and reporting of its Environmental, Social, and Governance initiatives. This collaboration enhances the credibility, effectiveness, and transparency of the Bank s ESG efforts. WWF-Pakistan Green Office Certification: A Milestone in Sustainable Operations Bank AL Habib's DHA Phase 6, Lahore branch has been recognized as the first certified Green Office of 2024 by WWF-Pakistan. This certification, part of WWF’s Green Office initiative, aims to reduce CO₂ emissions through energy efficiency, effective waste management, and the adoption of sustainable operational practices. As part of the certification process, WWF-Pakistan conducted a comprehensive audit, validating Bank AL Habib's commitment to environmental sustainability. This achievement highlights the Bank's continued efforts to enhance resource efficiency through water and energy conservation, minimized paper consumption, and responsible procurement practices. Empowering Employees for a Sustainable Future Employee engagement plays a vital role in Bank AL Habib's sustainability journey. To build internal capacity and foster a culture of environmental responsibility, 3,500+ employees across the country have participated in more than 75+ sessions focusing on key topics such as Green Banking, Green Taxonomy, and Environmental and Social Risk Management. These initiatives promote a deeper understanding of sustainable finance and risk mitigation. To further embed sustainability in its corporate culture, Bank AL Habib has introduced a Green Culture initiative, which includes regular sustainability bulletins to raise staff awareness. Additionally, sustainability principles have been integrated into the Management Trainee Officer program, equipping future leaders with the knowledge and tools to champion environmental stewardship in the financial sector. Driving Resource Efficiency Through Green Branches Bank AL Habib is actively expanding its network of green branches, with seven locations already designated as sustainable branches. These branches operate with a focus on 5 key sustainability indicators: Paper Fuel Water Electricity Waste To promote responsible consumption, the Bank closely monitors paper usage across its operations, achieving significant reductions. To minimize electricity consumption and reliance on non-renewable energy sources, these branches are powered by solar energy. The Bank has also partnered with a specialized vendor to manage recycling and waste repurposing, significantly reducing landfill contributions. To further reduce its carbon footprint, Bank AL Habib encourages virtual meetings to limit travel and associated fuel usage. In support of transparency and performance tracking, the Bank is developing an online database for real-time reporting on resource consumption and reduction milestones. Additionally, the Bank's Green Procurement Strategy ensures that all purchasing decisions are aligned with environmentally sustainable standards, reinforcing its long-term commitment to responsible operations. Alignment with the United Nations’ Sustainable Development Goals. Bank AL Habib’s sustainability efforts are closely aligned with the United Nations' Sustainable Development Goals (SDGs), reflecting the Bank’s commitment to driving positive environmental and social impact. Through its initiatives, Bank AL Habib contributes to the global agenda for sustainable development, aiming to build a more resilient and inclusive future by 2030. Good Health and Well Being Since 2024, Bank AL Habib has placed an even stronger emphasis on employee well-being by conducting a series of health and wellness initiatives. These include workshops on stress management, awareness sessions on Thalassemia, breast cancer, and diabetes, as well as emotional intelligence training to foster a healthier and more supportive work environment. Health, Safety, and Environment remains a key operational priority for the Bank. Regular fire drills are conducted across all premises, complemented by comprehensive training sessions designed to equip employees with essential safety knowledge and emergency response protocols. This proactive approach not only enhances workplace readiness but also encourages the adoption of safety practices beyond the office, promoting a culture of well-being and responsibility. Gender Equality Bank AL Habib is committed to advancing gender equality through inclusive hiring practices and other women-centric initiatives. The "Banking on Equality" department, which oversees the AL Habib Woman, a dedicated portfolio of banking services for women, is a prominent feature of the Bank. This department also manages various women-focused initiatives within the Bank. Aligned with its vision of empowering women in business, the Bank has introduced the AL Habib Kamyab Khatoon Zarai Finance scheme, offering specialized financial products for female agri-entrepreneurs across Pakistan. Additionally, the Bank AL Habib Woman ApniCar Auto Finance Facility allows women to fulfill their dream of car ownership with flexible repayment plans and affordable rates. The Bank celebrates International Women’s Day and Women’s Week to further promote financial inclusion and highlight the critical role of women in the economy. Affordable and Clean Energy In 2024, Bank AL Habib successfully solarized 57 branches, with a total installed capacity exceeding 682KW, reflecting a 52% increase from the previous year. The Bank is committed to further expanding its solarization efforts in 2025, continuing to enhance its sustainability initiatives and reduce reliance on non-renewable energy sources. Health, Safety, and Environment remains a key operational priority for the Bank. Regular fire drills are conducted across all premises, complemented by comprehensive training sessions designed to equip employees with essential safety knowledge and emergency response protocols. This proactive approach not only enhances workplace readiness but also encourages the adoption of safety practices beyond the office, promoting a culture of well-being and responsibility. Decent Work and Economic Growth Bank AL Habib supports inclusive economic growth through targeted recruitment programs focused on youth, women, and marginalized communities. The Bank offers competitive employee benefits and leadership development opportunities, while also advancing financial inclusion through its expanding digital banking services. By providing customized financial solutions for small and medium enterprises and women entrepreneurs, Bank AL Habib plays a key role in promoting job creation and driving economic diversification across the country. Reduced Inequalities Bank AL Habib is dedicated to fostering financial inclusion and accessibility by employing over 150 persons with disabilities (PWDs) and retrofitting more than 14 branches to ensure ease of access for all. These enhancements include wheelchair-friendly entrances, ATM cabins, and cash counters, along with ramps, railings, and tactile flooring to support mobility. To further accommodate customers and employees with disabilities, the Bank has introduced dedicated service counters, token systems, help desks, and designated parking spaces. Branches are equipped with wheelchair-accessible door designs, appropriate signage, and Braille materials to enhance the banking experience. Recognizing the importance of inclusive communication, Bank AL Habib has trained staff in effective interaction with PWDs and introduced Sign Language training and sensitization sessions through its Training & Management Development Division. Additionally, the Bank launched an e-learning module, AL Habib iLearn, to promote continued awareness and understanding of PWD-related sensitivities. With nearly 98% of its branches now accessible, Bank AL Habib reaffirms its commitment to reducing inequalities and building a truly inclusive environment for both customers and employees. Climate Action Bank AL Habib offers Smart Climate Agriculture Financing to promote resource-efficient practices and technologies across both agricultural and non-agricultural sectors. This tailored financing solution supports the adoption of alternative energy systems, advanced water management techniques, and precision agriculture practices, enhancing sustainability and operational efficiency across the agricultural value chain. Beyond financing, the Bank actively contributes to environmental awareness and policy dialogue. It has published insightful articles on critical topics such as green taxonomy, sustainable supply chains, and carbon markets in leading English, Urdu, and Sindhi newspapers. Additionally, Bank AL Habib collaborates with prominent think tanks such as Future Forum and regularly participates in national and international summits dedicated to green finance and climate change—reinforcing its commitment to driving impactful, knowledge-based sustainability initiatives. #green-banking p { font-size: 19px !important; } span.green { color: #00a25b !important; } .environment-sec h4 { color: #00a25b; font-size: 26px !important; } .environment-sec h3 { font-size: 35px; text-transform: capitalize; } .environment-sec .card { background: white; border-radius: 20px !important; box-shadow: 0px 0px 2px 3px #eee; } .environment-sec h5 { font-weight: 400; color: black !important; } .green-feature-inner .icon-wrap { padding: 45px 15px; background: #f4f4f4; border-radius: 7px; } .featuerImg img { width: 78px !important; height: 78px !important; } .green-feature-inner img { width: 78px !important; height: 78px !important; } .green-feature-inner h5 { font-weight: 400 !important; color: black !important; } .owl-nav { top: -15px !important; } .owl-carousel .owl-item { height: unset !important; } .owl-carousel .owl-nav button { border: 0px !important; background: white !important; width: 40px; height: 40px; line-height: 43px !important; } .owl-carousel .owl-nav button i { color: #00a25b; } .owl-nav button[class^="owl-"]:hover i { color: #fff !important; } .owl-theme .owl-nav [class*=owl-]:hover { background: green !important; } body.dark-mode .environment-sec .card { background: #333 !important; box-shadow: none !IMPORTANT; } body.dark-mode .environment-sec h5 { color: white !important; } body.dark-mode .green-feature-inner .icon-wrap { background: transparent !important; border: 1px solid #5a5a5a !important; } body.dark-mode .green-feature-inner h5 { color: white !important; } body.dark-mode h4 { color: #72ec8e !important; }

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

Electronic Funds Transfer

Electronic Funds Transfer Facility Electronic Funds Transfer facility enables funds transfer between bank accounts, either within the same Bank or to another Bank or financial institution, using alternative delivery channels including ATMs, POS terminals, mobile and internet banking platforms, call center or any other channel approved by the State Bank of Pakistan. Bank AL Habib provides customers the following alternate delivery channels to initiate electronic funds transfer: AL Habib ATM through Debit Card AL Habib Mobile App AL Habib Netbanking Getting Started with Bank AL Habib`s Electronic Funds Transfer Services You need to have a Savings or Current Account in Bank AL Habib along with either a Debit Card or AL Habib Mobile App / Netbanking. EFT Limits Through AL Habib Debit Cards: AL Habib Signature Debit Card Rs 2,000,000/- AL Habib Platinum Debit Card Rs 500,000/- AL Habib Gold Debit Card Rs 400,000/- AL Habib Silver Debit Card Rs 300,000/- AL Habib UnionPay Debit Card Rs 250,000/- AL Habib PayPak Debit Card Rs 200,000/- Through AL Habib Mobile App/Netbanking: Raast P2P / 1-link per day Transaction Limits in PKR Transaction Mode Transaction Limits Any Bank AL Habib Account PKR 2,000,000 Own Account PKR 4,000,000 Any other Bank Account via RAAST PKR 500,000 Any other Bank Account via 1-Link (IBFT) PKR 500,000 EFT Charges There are no charges for customers who wish to transfer funds from one Bank AL Habib Account to another account within Bank AL Habib. If you wish to transfer funds from your Bank AL Habib account to a Bank Account in another Bank, the charges are as follows: Inter Bank Funds Transfer Free IBFT - Upto Rs. 25,000/- per month / per account. For the 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 Error/Dispute/Complaint Reporting Procedures For support, you may contact: Your relationship branch where your Bank Account is maintained Our 24/7 Call Center (+92 21) 111-014-014 (+92 21 32446978 69 for international customers) Through Email via info@bankalhabib.com You may also drop your complaint / suggestion in the Complaint Box available at all Bank AL Habib branches and ATMs Alternatively, you may visit the provided link to submit a complaint, where the entire procedure is outlined for your convenience. Click here Availability of Online Funds Transfer Facility Service Availability: 24/7 Expected Duration for Fund Transfer Instantly, funds transfer on a real time basis. On successful funds transfer a SMS alert will be sent to customer registered mobile number, where available. An email alert along with the SMS alert will be sent to customers registered email address if transfer funds through AL Habib Mobile and Netbanking. Funds Transfer to Member Bank account ADVANCE MICROFINANCE BANK ALBARAKA ALLIED BANK LIMITED APNA MICROFINANCE BANK ASKARI BANK LIMITED BANK ALFALAH LIMITED BANK OF KHYBER BANK OF PUNJAB BANK ISLAMI CITI BANK DUBAI ISLAMIC BANK FINCA FINJA EMI WALLET FAYSAL BANK LIMITED FIRST WOMEN BANK HABIB BANK LIMITED HABIB METROPOLITAN BANK ICBC JS BANK LIMITED KMBL KHUSHALI MICRO FINANCE BANK MCB ARIF HABIB SAVINGS MCB BANK LTD MCB ISLAMIC BANK LTD MEEZAN BANK LIMITED MOBILINK MICROFINANCE BANK NAYAPAY NBP FUNDS MANAGEMENT NRSP NATIONAL BANK OF PAKISTAN SAMBA SILK BANK SINDH BANK SONERI BANK STANDARD CHARTERED BANK BANK MAKRAMAH LIMITED TELENOR MICROFINANCE BANK LTD HBL MICROFINANCE BANK U MICROFINANCE BANK UNITED BANK LIMITED ZARAI TARAQYATI BANK LTD AL MEEZAN INVESTMENTS CENTRAL DIRECTORATE OF NATIONAL SAVINGS (CDNS) CENTRAL DEPOSITORY COMPANY (CDC) DIGITT++ KEENU ONEZAPP PAYMAX SADAPAY TAG .contentSection.bank-list ul li { width: 24%; display: inline-block; vertical-align: top; margin-top: 25px; margin-bottom: 0; padding-right:20px; } .contentSection ul li{ line-height:1.5; } @media only screen and (max-width: 991px) { .contentSection.bank-list ul li { width: 33%; margin-top: 15px; } } @media only screen and (max-width: 767px) { .contentSection.bank-list ul li { width: 100%; } }

Individual Financing