To apply for an HBL credit card in Pakistan, choose a card tier that fits HBL’s published eligibility criteria, prepare the documents for your employment type, then apply by calling HBL PhoneBanking or visiting a branch. HBL Mobile applications are available only to selected customers. Meeting the published criteria does not guarantee approval, and you should check HBL’s currently effective fees before signing or activating a card.
Check which HBL card tier you may qualify for
HBL publishes different screening thresholds for salaried and self-employed applicants. The figures below come from HBL’s Credit Cards Overview, accessed in 2026. They are criteria to compare against your circumstances, not a promise of approval; HBL says terms apply and it may request additional documents.
| Card tier | Salaried applicant: minimum monthly salary | Self-employed applicant: average account balance | Published age range |
|---|---|---|---|
| Green | PKR 35,000 | PKR 105,000 | Salaried: 21–60; self-employed: 21–65 |
| Gold | PKR 100,000 | PKR 300,000 | Salaried: 21–60; self-employed: 21–65 |
| Platinum | PKR 400,000 | PKR 1,000,000 | Salaried: 21–60; self-employed: 21–65 |
HBL’s overview lists the same age range for each tier within each employment category. Choose based on the threshold you can document and the card’s benefits—not only on the tier name. Ask HBL to confirm the exact eligibility and benefits applicable when you apply.
Prepare the documents for your employment type
HBL’s published checklist distinguishes salaried from self-employed applicants and, in some cases, existing from new-to-bank customers. Confirm the current checklist with HBL before visiting a branch; the bank says additional documents may be requested case by case.
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If you are salaried
- A copy of your CNIC.
- A salary slip or salary certificate.
- If you are an existing HBL customer, HBL’s list specifies a six-month salary-credit relationship and an original 12-month bank statement showing salary credits.
If you are self-employed
- A copy of your CNIC.
- If you are new to HBL, an original 12-month company bank statement.
- Relevant business records, such as a proprietorship letter, partnership deed, or company incorporation documents and forms, as applicable.
- If you are an existing HBL customer, HBL says you should have held an HBL account for at least six months.
These document requirements are from HBL’s Credit Cards Overview. Ask whether HBL needs any additional proof for your specific application.
Apply through a route available to you
- Call HBL PhoneBanking or visit a nearby HBL branch. HBL lists these as application routes. Confirm how to submit your documents and what forms you need to sign.
- Use HBL Mobile only if the offer appears for you. HBL describes the mobile application as an option for selected customers, not a route available to everyone. The in-app flow asks eligible customers to confirm interest, review benefits, accept the applicable terms, and submit the application.
- Complete the Basic Information and Charges Sheet. HBL says the application process includes a signed copy of this sheet.
- Review the card documents before activation or use. HBL says detailed terms and conditions and a Schedule of Bank Charges are provided with the card. Read them before activating it.
HBL does not promise immediate approval on its overview page. Applying through the app or meeting a published threshold should not be treated as confirmation that a card will be issued.
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Verify fees and charges before you commit
The latest HBL fee documents located here cover January 1 through June 30, 2026. Their amounts are period-specific and are not confirmed as applicable in October 2026. Request the currently effective Key Fact Sheet and Schedule of Bank Charges from HBL before applying or activating a card.
| Charge | Published amount | Period and source |
|---|---|---|
| Annual fee: Green | PKR 6,500 | HBL Key Fact Sheet, effective January 1–June 30, 2026 |
| Annual fee: Gold | PKR 14,000 | HBL Key Fact Sheet, effective January 1–June 30, 2026 |
| Annual fee: Platinum | PKR 22,000 | HBL Key Fact Sheet, effective January 1–June 30, 2026 |
| FuelSaver monthly fee: Green | PKR 350 | HBL Key Fact Sheet, effective January 1–June 30, 2026 |
| FuelSaver monthly fee: Gold | PKR 700 | HBL Key Fact Sheet, effective January 1–June 30, 2026 |
| Maximum annual service charge on outstanding card amounts | 42% | HBL Schedule of Bank Charges, effective January 1–June 30, 2026 |
| Late fee | PKR 2,500 | HBL Schedule of Bank Charges, effective January 1–June 30, 2026 |
| Foreign-transaction charge | 4% | HBL Schedule of Bank Charges, effective January 1–June 30, 2026 |
HBL’s Key Fact Sheet also states that fee-waiver rules and conditions apply; do not assume a waiver. In the current documents, pay particular attention to the minimum-payment amount, interest or service charges, how payments are allocated, and other fees.
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Before you sign or activate the card
- Match your employment category, age, and documented income or account balance to the tier you want.
- Check with HBL that your documents meet the current checklist, including any requirements based on your relationship with the bank.
- Request current fee and terms documents; do not rely on the January–June 2026 charges as October 2026 rates.
- Read the minimum-payment, interest, payment-allocation, and fee provisions before signing or activating.
HBL warns that late or overdue payment history may be reported to eCIB and advises cardholders to pay on time. See HBL’s overview and application information for its published guidance.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Applying for a supplementary card
If you already hold an HBL credit card, HBL says you can request supplementary cards through PhoneBanking or a branch; its overview also mentions an HBL Mobile application for existing HBL credit-card customers. HBL’s credit-card FAQ says a primary cardholder may enroll up to six supplementary cardholders. The primary and supplementary cardholders share one credit limit. Confirm the current terms with HBL before requesting additional cards.
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