Enhance the quality of your life.
Buy now and pay later at your convenience with AL Habib Gold Credit Card
- Monetary Value Of Reward Points PKR 0.10 per PKR 50 of Retail Spend.
- Free SMS Alerts, e-Statement and Internet Banking
- FOREX Premium Charges on All Foreign Retail Transactions 4.0%
- Reward Points
- Points Expire on first in first out Basis, if unutilized within One Year of Reward.
- Low Financial Charges
- 60% Cash Advance Facility
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Other Information
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
SBP Directives for Cross-Border Transactions:
It gives us great pleasure to inform our valued customers that Bank AL Habib has arranged Absolutely Free Insurance Cover for our existing account holders.
- Debit/Credit Card individual cross border industry wide transactions limit is now capped up to USD 30,000 annually and will only be allowed for personal usage. It is applicable from November 1st 2022.
- Cards usage limits will be prescribed limits as per the risk profile of customers.
- Non-compliance of this circular may lead to will face pecuniary or administration action if deemed necessary by SBP.
- A proper due diligence and update of risk profiling of the customers is required at the time of card on boarding and allow cross border limit as per their profiles. Issuance of multiple cards to the customers must be adjusted as per their risk profiles and should also be monitored.
- Bank prescribed application form.
- Copy of Computerized National Identity Card.
- Bank Statement Minimum of Six months.
- CF 1-Annexure Annexure – details of various facilities already obtain from other Banks/DFIs.
- Credit Shield undertaking, if customer opts, for Credit Shield.
For Salaried Applicants
- Salary Slip or Certificate preferably signed and stamped by Employer.
- Last six months bank statement crediting the salary amount.
For Self-Employed Professionals & Businessmen:
- Proprietorship letter.
- Company last six-month bank statement.
For Partnerships:
- Partnership deed.
- Company last six-month bank statement.
Director Public or Private Limited Company:
- Company Articles and Memorandum of Association form “29 A” where-in mentioned ownership stake.
- Company last six-month bank statement.
Eligibility Criteria
AL Habib Credit Card is available for existing customers of the bank.
- Existing individual Account Holders
- Salaried employees of Corporate Relationships receiving monthly salaries in their Bank AL Habib account.
- Self-employed Professionals and Businessmen.
- 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.
- Minimum Income requirement for salaried applicants PKR 20,000 per month.
- Minimum Income requirement for self-employed Professional & Businessmen PKR 25,000 per month.
- Debt burden not to exceed 40% of take-home income of the applicant.
- Clearance from eCIB and compliance with SBP Prudential Regulations.
About Our Reward Points
Being our valued customer, you deserve to be rewarded! Earn Reward Points with every PKR. 50 (or equivalent foreign currency) purchases on Basic or Supplementary Cards. Redeeming your Reward Points for desired items or services is quick and easy. Choose from a wide variety and options available at our Reward Points Redemption Partners. Only 2500 Reward Points are required to embark on the redemption journey. Just call our Helpline for redemption.
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