Smart Spending Starts with the Right Card
Debit or credit — discover Bank AL Habib cards designed for your lifestyle. Shop online, withdraw cash, pay bills, and access rewards globally or locally, with full control in your hands.
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One Page. All Your Cards. Simplified.
Bank AL Habib offers a full range of debit and credit cards to match every lifestyle, income, and need. Whether you spend locally, travel abroad, or prefer app-based control — there’s a card built for you.
Debit Cards
Connected directly to your bank account. Spend only what you have. Ideal for everyday payments and withdrawals.
Credit Cards
Use now, pay later. Enjoy flexible spending, loyalty rewards, and more control. Great for travel, shopping, or online bills.
Why Choose Bank AL Habib Cards
Global Acceptance
Use your Mastercard or UnionPay card anywhere — online or in-store.
Protected by Design
Every card comes with security features like realtime alerts and fraud protection.
Total Control in Your Hands
Manage cards instantly via AL Habib Mobile App — activate, block, track, and more.
Access to Exclusive Discounts
Get offers on dining, retail, fuel, entertainment, and more every month.
Choose the Card that fits your lifestyle, business needs or financial goals with features designed to give you more control and convenience.
Signature Debit Card
Luxury banking meets everyday spending.
Our top-performing card with unmatched withdrawal limits, concierge services, and Mastercard global access.
- Lounge access
- High POS & ATM limits
- Lifestyle deals
- Priority support
AL Habib Signature
Your AL Habib Signature Debit Card offers superior features and unmatched benefits
AL Habib Platinum
Bank AL Habib Platinum Debit Card is your financial power key. Linked to over 1.7 million ATMs and 24 million merchants globally, it unlocks premium lifestyle facilities for you worldwide.
AL Habib Gold
Linked to the Global Visa Network, the Bank AL Habib Visa Gold Debit Card empowers you to make purchases and withdraw cash while traveling abroad.
AL Habib Classic
Bank AL Habib Visa Classic Debit Card enables you to access your account at over 1.65 million ATMs and 20 million merchants across 148 countries.
AL Habib Woman
Experience financial independence and convenience with our AL Habib Woman Debit Card and enjoy nationwide discounts!
AL Habib Remit
Seamless global interactions are now possible with our AL Habib Remit Account Debit Card that empowers the Account Holder and beneficiaries worldwide.
AL Habib UnionPay
24/7 access and a nominal fee structure makes Bank AL Habib UnionPay Debit Card your perfect banking companion.
AL Habib APNA UnionPay
24/7 access and a nominal fee structure makes Bank AL Habib UnionPay Apna Debit Card your perfect banking companion.
AL Habib PayPak
Exclusively usable in Pakistan, Bank AL Habib PayPak Debit Card gives you the power to quickly access your account from over 12,000 ATMs nationwide.
AL Habib Young Savers
Exclusively usable in Pakistan, Bank AL Habib PayPak Debit Card gives you the power to quickly access your account from over 12,000 ATMs nationwide.
AL Habib Digital Account Classic
AL Habib Digital Account Classic enables you to access your account from anywhere in the world and make transactions effortlessly.
AL Habib Digital Account Gold
Go Global with our AL Habib Digital Account Gold Debit Card which is accepted everywhere and enjoy the following benefits:
Who doesn't enjoy a good discount?
Exclusive discounts on AL Habib Debit Cards
View Discounts
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.
Rewards Rewards Programs24/7 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.
- Activation, cancellation and suspension of your Credit Card
- Answering your queries.
- Registering and resolving your complaints
- Registering a lost/stolen Credit Card
- Payment of Credit Card dues
- Reward Points Redemption
- Availing E-Statement and AL Habib Mobile and Netbanking Facility
Overseas
+92-21-111-014-014 | +92-21-800-00006 | +92-21-32446978 | +92-21-32464283 | +92-21-32464285Pakistan
021-111-014-014 | 0800-00006 | 021-324469783 Simple Steps to Start
GET
Sign on the designated space on the reverse of your AL Habib Credit Card
GO
Now your AL Habib Credit Card is ready to use at millions of establishments worldwide.
You can Activate your Debit Card through any of these Channels
ATM's
Netbanking
Call Center
AL Habib Mobile
3D Secure
Bank AL Habib's VISA and PayPak Debit Cards are now protected by 3D Secure, a leading technology that is aimed at improving all online transactions. 3D Secure ensures safe internet-based transactions through an authentication process for each transaction by the cardholder so you can use your card online without stress.
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Lost or Stolen Card Replacement
In case your Card is lost or stolen, call our Helpline immediately to report the incident. Our Customer Service Office
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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.
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Avail SMS Alerts
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
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- After production of your Debit Card, you will receive your One-Time Password (OTP) for card activation on your registered mobile number / email address
Please visit your nearest Bank AL Habib ATM with your Debit Card and follow the steps listed below:
- Insert your new Debit Card in the Bank AL Habib ATM
- Enter your 13 digit Computerized National Identity Card (CNIC) number (without spaces or dashes)
- Enter your date of birth in the format DDMMYYYY. For e.g., for DOB Jun 30, 1990, enter 30061990
- Enter your One-Time Password (OTP) received on your registered mobile number / email address
- After verification is successfully completed, please generate your desired Personal Identification Number (PIN) by entering 4 digits of your choice
- Please re-enter your desired PIN for confirmation
- After successful generation of Debit Card PIN, you will be notified through the ATM Screen and printed slip. Your Debit Card has been activated for use. (For your safety, do not share your PIN with anyone and keep changing it periodically in the future)
Note: Kindly collect and activate your Debit Card within 90 days of issuance from your concerned branch. In case the collection/activation of Debit Card exceeds beyond the mentioned timeline, it may result in cancellation/blockage of your Debit Card after which a replacement card will be issued on request and will be charged as per the prevailing schedule of charges.
For further assistance or query while activating your Debit Card, please contact our 24/7 Call Center at (+92 21) 111-014-014.
You may perform the following transactions using your Debit Card:
- Cash withdrawal through ATM
- Purchase through Point-of-Sale (POS) Terminals
- Utility bill payments
- Balance Inquiry
- Mini-Statement
- Funds Transfer
- PIN change
- No. However, you may consider applying for a different Debit Card that offers the limit structure that is best for you. Please find a comparison of our Debit Card on the link given below: (Comparison link)
- On your purchase, the merchant will insert your Debit Card in the Point-of-Sale Terminal (POS) and ask you to enter your Debit Card PIN (same as that you use for ATM transactions) where applicable. For International transactions only, the Merchant can also swipe your card and give you a slip to sign. Only if the fallback service has been enabled by the Bank upon the customer's request.
- After successful verification, please remember to collect your Debit Card and charge slip after completion of the transaction.
- After successful verification, please remember to collect your Debit Card and charge slip after completion of the transaction.
- BAHL Visa Debit Cards are currently enabled for online transactions through 3D Secure.
If you have forgotten your Debit Card PIN or if you simply prefer to change it, you may use the following channels:
- AL Habib Netbanking (In Debit Card Management section)
- AL Habib Mobile (In Debit Card Management section)
- Call Center
- AL Habib ATMs
Only VISA and UnionPay Debit Card may be used abroad at ATMs or POS terminals. PayPak cards can be used only in Pakistan.
AL Habib Netbanking (In Debit Card Management section).Before travelling abroad, please inform the Bank by calling BAHL Call Center at (+92 21) 111-014-014 to activate international transactions on your card.
Furthermore, please note that overseas transaction fees will apply.
You can apply for Debit Card replacement by contacting BAHL Contact Centre at (+92 21) 111-014-014
You will be issued a replacement card within the month your Debit Card is due to expire. If you have not received your replacement card towards the end of the month, please call us on (+92 21) 111-014-014.
Immediately report any fraudulent or suspected transaction on your BAHL Debit Card by contacting the BAHL Contact Centre at (+92 21) 111-014-014. The bank will investigate the transaction and update you accordingly.
You may lodge your complaint by contacting the BAHL Contact Centre at (+92 21) 111-014-014.
If your Debit Card is lost or stolen, report the loss immediately to BAHL Contact Center at (+92 21) 111-014-014. Once the bank is informed about the loss or theft, it will immediately block the Debit Card and replace your card by issuing you a new Debit Card at applicable charges upon your request.
It is always safe not to keep the debit card and debit card the PIN together. It is also advised to change your PIN periodically.
We strongly request you not to allow any other person to use the Card as it is intended only for the person on whose name the Card is issued. The bank shall not be responsible for use of the Card by other persons and any loss or damage arising out of such transactions. However, you can share the power of financial freedom with loved ones with supplementary card.
- Log in to AL Habib Mobile App or AL Habib Net Banking.
- Navigate to the ‘Debit Card Management” section from the main menu.
- Select "Manage Card".
- Entre your, DOB and OTP received via SMS on your registered mobile number as per bank’s record.
- Set a 4-digit PIN for debit card usage.
- Upon successful activation of card, SMS alert/ email will be sent to your registered mobile as per bank's record.
- Dial our 24/7 Call Center (+92 21) 111-014-014 from registered number to speak with the Phone banking officer for activation of your debit card.
- Once connected, Phone banking officer will verify your credentials
- Upon successful verification, call will be transferred to Interactive Voice Response (IVR) for PIN generation.
- After the activation of card, SMS alert/ e-mail will be sent to your registered mobile as per bank’s record.
- Debit card will be ready for use immediately upon successful activation.