HBL Credit Card – Basic Information& Charges Sheet (Summary Box)

Dear Customer,
Thank you for applying for HBL Credit Card. As a part of application processing, we want to ensure that the information given below
is communicated to you.
a) Basic Charges:

Annualized Percentage Rate (APR) 38% to 39% (Fixed)

APR will be applicable incase of no or minimum or partial payment, from the transaction date, until paid in full.
Interest Rate Introductory Monthly Annual
Service Charges (Retail Transactions) Not Applicable Min 3.167% & Max 3.250% Min 38.0% & Max 39.0%
Service Charges (Cash Advance) Not Applicable Min 3.000% & Max 3.250% Min 36.0% & Max 39.0%
Service Charges (Balance Transfer Facility) Not Applicable 2.000% 24.0%
Basic Charges HBL VISA / Master Card HBL Fuel Saver Card
(FED applicable as per Law) Green Card Gold Card Platinum Card Green Card Gold Card
Joining Fee There is No Joining Fee or Card Issuance Fee for HBL Credit Card
Annual/Monthly fee* Rs. 3,000(Annual) Rs. 6,000(Annual) Rs.10,000(Annual) Rs. 250 (Monthly) Rs. 500 (Monthly)
Supplementary annual fee Rs. 1,500 (Annual) Rs. 3,000(Annual) Rs. 5,000(Annual) Rs. 125(Monthly) Rs. 250 (Monthly)
* Annual / Monthly Fee will be levied within 45 / 30 days, respectively, from issuance of your card, irrespective of card activation.
Call HBL Phone Banking on 111-111-425 to avail annual fee reversal on spend** of PKR 10,000/- on Green, PKR 25,000/- on Gold
card and PKR 50,000/- on Platinum Card, within 60 days of statement generation date in which annual fee is levied.
Note – Annual fee waiver is not applicable for HBL Fuel Saver Card.
For Existing HBL Customers, Direct Debit Instructions (for either minimum or full payment option) is mandatory to avail spend based
annual fee waiver. For New to Bank (NTB) customers, condition of Direct Debit Instructions is not valid.
Rs. 500 or 3% of transferred amount,
BTF Processing Charges Rs. 500 or 3% of transferred amount, whichever is higher
whichever is higher
Late Payment Fee Rs. 1,250 Rs. 1,250
Card Replacement Fee Rs. 600 Rs. 600
Cash Advance Issuance Fee Rs. 750 or 3% whichever is higher Rs. 1,000 or 3%, whichever is higher
Return Cheque Charges Rs. 1,000 Rs. 1,000
Direct Debit Rejection Fee Rs. 750 Rs. 750
Utility Bill Payment Fee Nil Nil
Duplicate Statement Fee Nil Nil
Foreign Transaction
3% of the transaction amount 3% of the transaction amount
Charges
SMS alerts Fee Rs. 100 per month Rs. 100 per month
Cash Payment Charges No charges for Cash Payment at any HBL Branch counter
Cancellation Charges No Cancellation Charges
Renewal Charges No Renewal Charges. Only Annual Fee applicable, as mentioned above.
Other charges stated in HBLCreditCard Schedule of Charges (SOC) will be provided to you with your HBL Credit Card upon
approval of your application. Changes, if any, will be communicated via schedule of charges(Credit Card section only) that will be
sent to you, along with Credit Card welcome-pack and/or statement. You may also visit our website at www.hbl.com for updated
schedule of charges.
**HBL offers fee waivers, discounts, promotional offers and incentives that are discretionary and the card members are not entitled to
claim the same as a matter of their right. HBL is entitled at any time without any liability to card member in any manner whatsoever to
terminate or withdraw or change the criteria and conditions for these fee waivers, discounts, promotional offers and incentives.
b) Other Information:
Minimum 21 days and maximum 51 days
Interest Free Period Note: in case of minimum or partial payment, there will be NO interest free period. (Applicable on …
remaining amount or total?)
No interest would be charged on new purchases (Retail Transactions) if the payment is made in full within the
due date for each billing cycle and no balance is carried forward from the previous months. Otherwise, the
period over which interest is charged will be as mentioned below:
Interest Charging
Service Charges (Retail Transactions) From Transaction Date Until Paid in Full
Service Charges (Cash Advance) From Transaction Date Until Paid in Full
Service Charges (Balance Transfer Facility) From Transaction Date Until Paid in Full
All payment received by the Bank from the Card member or Supplementary Card member may be applied in
and towards payments of unpaid fees, Cash Advances, Charges, Liabilities, HIP and other costs and expenses
in previous or current Statements of Account in the following order of priority or otherwise as the Bank any
deem fit:
a) all outstanding service charges and other fees shown on any previous Statement of Account;
Payment Allocation
b) all outstanding amounts of the Card Transactions shown on any previous Statement of Account;
c) all outstanding amounts of the Card Transactions shown on the current Statement of Account; and
d) all outstanding amounts of the Card Transactions not yet shown on the current Statement of Account.
All payments and credits shall, unless otherwise decided by the Bank, be applied by the Bank first to the
outstanding amount that has been billed to the Card Account for the longest period of time.
Version 1 – 2018 Effective from January 01, 2018 (Page 1 of 2)
 5% of the outstanding balance or Rs. 500 whichever is higher.
The Minimum payment may also include all fee(s), service charges, installments, overdue amount if any.
Minimum Payment
Minimum payment received by customer will first adjust the service changes, bank fee(s), installments and the
remaining payment will settle the principle outstanding
- Green Card: Minimum Rs. 20,000 & Maximum Rs. 149,999; Cash Advance Limit: 50% of Total Limit
Limit(s) - Gold Card: Minimum Rs. 150,000 & Maximum Rs. 499,000; Cash Advance Limit: 75% of Total Limit
- Platinum Card: Minimum Rs. 500,000 & Maximum Rs. 2,000,000; Cash Advance Limit: 75% of Total Limit
Expiry 2 years from the date of Card issuance (for both New & Renewal)
c) Insurance:
Following insurance plans are offered on HBL Credit Card. For details/premium and/or enrollment of insurance facilities upon
receipt of your HBL Credit Card, please call our 24 hours Phone Banking service at 111-111-HBL (425). Bank role in these
products will be of a Distributor / Corporate Agent. Bank will debit the premium amount from your Credit Card on behalf of
insurance company. All documentation and/or claims etc; will be handled directly by insurance company.
S. S.
S. No. Plan Name No. Plan Name No. Plan Name
1 Credit Shelter 3 Total Assurance Plan 5 Secure Wallet Plan
2 Income Continuation Plan 4 Triple Health 6 Family Protection Plan
c) Product Category:
The selection of product category given in the application form i.e. Green or Gold or Platinum is taken as a preference. However,
the same is subject to the credit limit assigned at the time of approval; and may be changed accordingly.
d) Direct Debit Facility:
Direct Debit Facility is mandatory for existing HBL account holders; however, selection of “minimum payment” or “full payment”
is completely your choice.
e) New Promotions / Services:

HBL offers new promotion/services on HBL Credit Card for which we contact our customers to inform them of the same. If you do
not wish to be contacted for such offers / promotions, please select/tick on the given check-box: (Do not Call)
Note: You may also call our 24 hour Phone Banking at 111-111-HBL (425) & have your details updated upon issuance of
HBLCreditCard.

f) Customer Contact Point:

Please feel free to call our 24 hour Phone Banking service at 111-111-HBL (425) for any complaint / query.
g) Islamic Banking Customers:
Customers having an Islamic Banking Account in HBL have declared that they clearly understand that the HBL Credit Card is a
conventional product and also declare that the Islamic Banking account can be debited for (minimum,/partial/full) payments of
HBL Credit Card which is a conventional product.
h) Information Update:
For existing HBL account holders, the information given in the credit card application form may be updated in the bank records
associated with the HBL deposit account number mentioned for Direct Debit instructions in the credit card application form, upon
approval of the credit card facility.
For existing HBL credit card holders, the information given in the new credit card application form may be updated in the bank
records associated with the existing HBL credit card, upon approval of the new credit card facility.
The Bank reserves the right to standardize & maintain one set of customer address under each category of residence, mailing and
office addresses across all delivery channels. Similarly if a request for change of address is received from the customer the same
will be updated for all delivery channels that are being availed. The Bank will not be liable for wrong delivery, in case the customer
fails to notify / provide the Bank with the updated / change of address.
Sincerely,
HBL Credit Card
I hereby confirm that I have understood & agreed to the information mentioned in this Basic Information & Charges Sheet and
have received the copy of the same (both pages i.e. page 1 and page 2 of this sheet).
Customer Name: __________________________________________

CNIC:--
Customer Signature:
Date:--
for Bank use only:
Bank Staff Name: _________________________________________


Employee#:
Bank Staff Signature & Stamp:
Date:--
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