Signature Debit Card Term & Conditions

Investment Opportunities

Fixed Term Deposit (TDR) Foreign Currency (FCY) Term Deposits AL Habib Special Saver (TDR) AL Habib Mahana Munafa (TDR) AL Habib Salana Munafa (TDR) Real Estate Investment Fixed Term Deposit No penalty on Premature Encashment. Indicative Rates of Profit on Fixed Deposit Schemes 1 Month Deposit 9.00% p.a 3 Months Deposit 8.50% p.a 6 Months Deposit 8.00 p.a 1 Year Deposit 10.50 p.a 2 Year Deposit 8.60% p.a 3 Year Deposit 8.60% p.a 4 Year Deposit 8.60% p.a 5 Year Deposit 8.60% p.a On premature encashment, profit will be calculated as per rate of last nearest completed tenure while profit on the remaining number of days deposit held, will be calculated and paid on the Savings Account Profit Rate, applicable at the time of Booking of deposit Download Form Download KFS RDA FCY Fixed Term Deposit Indicative rates of Profit on Fixed Deposit USD GBP EURO 1 Month 4.00% p.a 3 Months 4.15% p.a 6 Months 4.25% p.a 12 Months 4.50% p.a 1 Month 3.00% p.a 3 Months 3.15% p.a 6 Months 3.25% p.a 12 Months 3.50% p.a 1 Month 3.00% p.a 3 Months 3.15% p.a 6 Months 3.25% p.a 12 Months 3.50% p.a Key Features Available in tenures of 1,3,6 & 12 Months Invest from as low as $/£ /€ 100 Early encashment is allowed Tax & Zakat Exempted Download Form Download KFS AL Habib Special Saver Certificate Let your savings earn for you Bank AL Habib Special Saver Certificate has a term of 3 years; the profit is paid out every six months. Term Deposit certificates are popular with: Individuals (single or joint) Registered Partnership Public & Private Company Registered Trust Government Body etc. Applicable Indicative Rate of Profit First Year 8.50% p.a (1st & 2nd Profit Payment) Second Year 8.50% p.a (3rd & 4th Profit Payment) Third Year 8.50% p.a (5th & 6th Profit Payment) If the Term deposit is encashed before completing the tenure, the profit on the broken period/remaining number of days deposit held will be calculated and paid on the Savings Account Profit Rate, applicable at the time of Booking of deposit. Rate without affecting profit paid previously. Expected Rate of Return on deposits is effective from May 06, 2025 payable after completion of every six months. (The Indicative rate of profit on deposit schemes are current and subject to change) Download Form Download KFS AL Habib Mahana Munafa Account Boost your monthly income AL Habib Mahana Munafa Account lets your earn high profits when you keep your savings for a fixed term. No more temptation to use the principal, just enjoy the monthly profits. High Returns Reliable and Convenient 1 Year Deposit 10.25% p.a 2 Year Deposit 8.50% p.a 3 Year Deposit 8.50% p.a 4 Year Deposit 8.50% p.a 5 Year Deposit 8.50% p.a * Expected Rate of Return on deposits effective May 06, 2025. (The Indicative rate of profit on deposit schemes are subject to change) Key Features Mahaha Munafa Account can be opened with PKR. 25,000/-. Profit paid on the 1st working day of each month. Deposit rolled over on maturity for same period at prevailing rates unless otherwise requested. Profit may be drawn through Cheque at any branch of Bank AL Habib or ATMs nationwide. Option available for premature encashment. On premature encashment, profit will be calculated as per rate of last nearest completed tenure while profit on the remaining number of days deposit held, will be calculated and paid on the Savings Account Profit Rate, applicable at the time of Booking of deposit. Download Form Download KFS AL Habib Salana Munafa Account Augment your yearly income Bank AL Habib Salana Munafa Account lets your earn high profits when you keep your savings for a fixed term. So no more temptation to use the principal, just enjoy the annual profits.Indicative Rate of Profit 10.50% p.a * Expected Rate of Return on deposits effective 01 January, 2025. (The Indicative rate of profit on deposit schemes are subject to change) Key Features Minimum investment of PKR, 25,000/-. Deposit rolled over on maturity for same period at prevailing rates unless otherwise requested. If the Term deposit is encashed before completing the tenure, the profit on the broken period/remaining number of days deposit held will be calculated and paid on the Savings Account Profit Rate, applicable at the time of Booking of deposit Download Form Download KFS Investment in Real Estate Bank AL Habib Roshan Digital Account holders are now empowered to invest their funds digitally in commercial and residential real estate in Pakistan with ease and convenience. 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Corporate Banking

Credit Card Terms & Conditions

Bank AL Habib’s Conversion to Islamic Banking

At Bank AL Habib, we are committed to providing financial solutions that align with Islamic principles, ensuring Shariah compliance in all aspects of banking. In line with the directives of SBP, we aim to offer the highest standards of trust, transparency, and excellence through Islamic Banking services. We Offer Shariah-compliant products and services Comprehensive solutions for personal and business needs Experienced and dedicated Islamic Banking experts Need Assistance with the Transition? Our dedicated Islamic Banking support team is available to address your questions and concerns regarding this transition. Guides & Resources Islamic Banking Product Portfolio Click here to learn about which Bank Account will be offered to you post Account Conversion Feedback Click here for to request support, provide your thoughts or to make complaints Tutorials View this informative series about the benefits of Islamic Banking Documents for Customers Intimation Letter Consent Form Dissent Form Terms & Conditions Locker Application Form Product Information Product Mapping Schedule of Charges Deposit Rates Downloads Current Account KFS AL Habib Islamic Foreign Currency Current Account AL Habib Islamic Armed Forces Pensioner Current Account AL Habib Islamic Asaan Current Account AL Habib Islamic Asaan Digital Current Account AL Habib Islamic Asaan Remittance Current Account AL Habib Islamic Basic Banking Account AL Habib Islamic Current Account AL Habib Islamic Digital Current Account (FCY) AL Habib Islamic Digital Current Account (PKR) AL Habib Islamic Freelancer Current Account AL Habib Islamic Freelancer Digital Current Account AL Habib Islamic Pensioners Current Account AL Habib Islamic RDA Current Account (FCY) AL Habib Islamic RDA Current Account (PKR) AL Habib Islamic Remit Current Account AL Habib Islamic Remit Digital Current Account AL Habib Woman Islamic Digital Current Account AL Habib Woman Islamic Asaan Current Account AL Habib Woman Islamic Asaan Digital Current Account AL Habib Woman Islamic Current Account Saving Account KFS AL Habib Islamic Pay Plus Account AL Habib Islamic Pay Account AL Habib Islamic Tijarat Account AL Habib Islamic Signature Account AL Habib Islamic Freelancer Saving Account AL Habib Islamic Freelancer Digital Saving Account AL Habib Islamic Armed Forces Pensioner Savings Account AL Habib Woman Islamic Asaan Digital Savings Account AL Habib Woman Islamic Savings Account AL Habib Woman Islamic Digital Savings Account AL Habib Woman Islamic Asaan Savings Account AL Habib Islamic Young Savers Account AL Habib Islamic Senior Citizen Account AL Habib Islamic Savings Account AL Habib Islamic Remit Savings Account AL Habib Islamic Remit Digital Savings Account AL Habib Islamic RDA Savings Account (PKR) AL Habib Islamic RDA Savings Account (FCY) AL Habib Islamic Mahana Amdani Savings Account AL Habib Islamic Income Plus Account AL Habib Islamic Digital Savings Account (PKR) AL Habib Islamic Digital Savings Account (FCY) AL Habib Islamic Asaan Savings Account AL Habib Islamic Asaan Remittance Savings Account AL Habib Islamic Asaan Digital Savings Account AL Habib Islamic Apna Individual Account AL Habib Islamic Foreign Currency Saving Account Islamic Term Deposit KFS AL Habib Islamic Mahana Munafa Term Deposits (Monthly) AL Habib Islamic Senior Citizen 1-Year TDR AL Habib Islamic Term Deposits - PKR (maturity) .accordion-list .accordion-list-items{ display:block; } .downloadFieldWrapper .downloadList.mt-4{ margin-top:0 !important; } .accordion-list .accordion-list-items:last-child { border-top: 1px solid #eee !important; } .links-wrapper a{ text-decoration: underline; } .links-wrapper a:hover{ color:#00a25a; }