Enhance the quality of your life.
24/7 access and a nominal fee structure makes Bank AL Habib UnionPay Debit Card your perfect banking companion.
- Avail Exclusive Discounts at participating outlets
- Get Supplementary Cards
- Utility bill payment
- Transfer Funds
- Use it at millions of ATMs and retail outlets locally and globally
- For 24/7 assistance and guidance call at our Helpline (+92 21) 111-014-014
| Transaction | Variable Rates | |
|---|---|---|
| Visa Primary | Visa Supplementary | |
| ATM Cash Withdrawal | 150,000 | 50,000 |
| POS | 200,000 | 100,000 |
| Funds Transfer Across Accounts | 250,000 | N/A |
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.
| Transaction | Charges* |
|---|---|
| Annual Fee for Primary Card | PKR 3,000 |
| Annual Fee for Supplementary Card | PKR 2,000 |
| Card Replacement Fee (Primary / Supplementary) | PKR 3,000/PKR 2,000 |
| Fund transfer to any account within BAHL | yes |
| ATM Cash Withdrawal Local (1 Link) | PKR 35 |
| Balance inquiry charges Local (1 Link) | PKR 4.67 |
| ATM Reciept printing fee OFF Net | PKR 4.67 |
| ATM Reciept printing fee On Net ( Cash withdrawal & Balance inquiry receipt) | PKR 4.67 |
| ATM Cash Withdrawal International | 4.50% of transaction amount or Rs 300 whichever is higher |
| Balance inquiry charges International | PKR 300 |
| POS/E Commerce transaction charges erce transaction charges International | 4.50% of transaction amount |
| IBFT charges via ATM | Free IBFT - Up to PKR 25,000/- per month / per account. For additional amount above PKR 25,000/- per month/ per account , 0.1% of the transaction amount or PKR 200, whichever is lower will be charged |
New Customers:
- Apply by filling the account opening form available at your relationship branch.
Existing Customers:
- For first-time issuance of Debit Card, contact your relationship branch.
- In case you already have a Debit Card and needs replacement or conversion, contact 24/7 call center at (+92 21) 111-014-014.
Debit Card Management via AL Habib Mobile App.
- Activation
- Reset PIN
- Enable and Disable International and Domestic Transactions
- Enable and Disable E commerce transactions
- Control your Transaction Limits
- Temporary Block / Unblock your card
Eligibility Criteria
AL Habib Credit Card is available for existing customers of the bank.
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 Program