HBL Credit Card

Visa Classic/Gold International

Visa Classic/Gold International is a card which can be used anywhere in the world exceptin India. Customers having regular income source in foreign currency and maintaining a foreign currency account with any of the Himalayan Bank Branches are eligible to apply for this card.

Product Feature are :

  • A secure and convenient payment solution for payment and shopping needs
  • Accepted in both ATMs and POS merchants accepting the brand
  • EMV compliant State-of-the-Art CHIP based advanced technology
  • Flexibility in payment depending on the card
  • Valid for 4 years
  • Can be used for Online/Internet transaction
  • Easy to apply
  • Premium world renowned brand product and you can get supplementary cards for spouse/children too.
  • E-Statement Service for monthly credit card statement & 24/7 Card Center Customer Helpline


Eligibility Criteria

  • 18 years of age
  • Individuals with regular source of Income and maintaining account with the Bank are eligible to apply for the card. The card limit will be issued considering the income and other relevant documents of the applicant.
  • Individuals applying for HBL International (USD) Credit Card are required to have Foreign Currency (FCY) Account i.e. USD/EUR/GBP at HBL. Additionally, documents evidencing FCY income source is mandatorily required.


Documents required to avail HBL Credit Card:


For Personal Card (using Personal A/C):-

  • Completed Application Form with Applicant’s Signature
  • Passport size latest color photograph.
  • Sketch of location of the residence/office of applicant.
  • Identification document (Copy of Citizenship Certificate/Passport).
  • Photocopy of utility bills – either electricity and/or water, certifying the address of the applicant.
  • Salary Certificate/Documentation to prove income sources duly issued by the concerned organization.

Beside the above documents, additional documents may be required on case to case basis as required by the HBL Management.

For Corporate Card (using Company A/C):-

  • Completed Application Form with Applicant’s Signature
  • Passport size latest color photograph.
  • Sketch of location of the residence/office of applicant.
  • Identification document (Copy of Citizenship Certificate/Passport).
  • Company/Firm Registration Certificate/PAN.
  • Income Tax Registration and Tax Clearance Certificate.
  • Board Resolution authorization for availing of credit card and debiting company account for all charges.
  • Letter by authorized Management Personnel for issuing individual credit card.
  • A copy of latest audited/provisional Balance Sheet and statement of Profit and Loss of the Company/Firm along with proof of any other income sources.
  • Beside the above documents, additional documents may be required on case to case basis as required by the HBL Management.

Note:

  • Earmarked balance kept for Credit Card cannot be used for regular settlement of Card dues.
  • KYC document needs to be mandatorily filled by the customer to avail Prepaid Card and Credit Card.

helpful documents

  • Completed Application Form with Applicant’s Signature (Signature to be verified by Branch)
  • Passport size latest color photograph.
  • Sketch of location of the residence/office of applicant.
  • Email – ‘IF’ E-statement selected & HBL A/C No. – ‘IF’ Account is to be linked to the card.
  • Identification document (Copy of Citizenship Certificate/Passport).
  • Photocopy of utility bills – either electricity and/or water, certifying the address of the applicant.
  • Salary Certificate/Documentation to prove income sources duly issued by the concerned organization.
  • Completed Application Form with Applicant’s Signature (Signature to be verified by Branch)
  • Passport size latest color photograph.
  • Sketch of location of the residence/office of applicant.
  • Email - IF E-statement selected & HBL A/C No. - IF Account is to be linked to the card.
  • Identification document (Copy of Citizenship Certificate/Passport).
  • Company/Firm Registration Certificate/PAN.
  • Income Tax Registration and Tax Clearance Certificate.
  • Board Resolution authorization for availing of credit card and debiting company account for all charges.
  • Letter by authorized Management Personnel for issuing individual credit card.
  • A copy of latest audited/provisional Balance Sheet and statement of Profit and Loss of the Company/Firm along with proof of any other income sources.

FAQs

It will take minimum 3 days depending upon the document provided by Card Applicant.

For detailed information regarding the schedule of fees and charges applicable for HBL Credit Cards, you may contact any of our HBL Branches or may speak to our Customer Services Executive at 24/7 help line service at Card Center. Fees & charges

Credit Cards are accepted worldwide on terminal accepting the Card Brand.

You can speak to our Customer Services Executive at 24/7 help line service at Card Center to inquire about your credit limit. Contact us.

It is a date when the monthly card transaction/dues are generated in a statement and same is forwarded to the card holders for settlement within a payment due date, i.e. generally 15 days period.

It is the last date by which the card due as mentioned in the statement needs to be settled. If you have assigned your HBL Account for your Credit Card, then based on your monthly card statement you shall maintain sufficient balance in your account and the system will automatically settle your dues.

You may contact the respective branch where you have maintained your account with or may contact our Customer Services Executive at 24/7 help line service at Card Center to make any changes/update in your credit card account. Contact Us. Speak to RMs for loan clients

Yes. However, online transaction limits are set to zero by default. To avail Credit Card Online Service, you need to submit an application to enable desired daily/monthly online transaction limit to your respective branch or Customer Services Department, Card Center.

There are various reasons wherein a credit card may get declined. Point here is to note that committing a transaction by a credit card involves multiple parties. An error or connection fluctuation in any party may result decline of a card. If your card gets declined, it is not necessary that your card has any problem. Please contact your respective branch or may contact our Customer Services Executive at 24/7 help line service at Card Center for the support. Contact Us

Interest charges are levied for the credit facility that cardholder enjoys on Credit Card.

If you cross your credit limit for any reason, you should settle the card dues as early as possible. This will not only refresh the card limit but also saves you from additional charge/fees.

For the repayment of Credit Card bill, you may opt any of the below listed option:

  • Cash Payment Mode:

You can visit your nearest HBL branch and simply fill up the Card Deposit Voucher (available at all HBL branches) and deposit the required amount.

  • Account Debit Mode:

If you have provided your HBL Account for your Credit Card, then based on your monthly card statement you can maintain sufficient balance in your account and the system will automatically settle your dues.