EMI Facility: Buy Now Pay in Installment.Credit Card facility is one of the privileged credit facility extended to customers as well as the prospects of the bank. Financing Scheme under Equal Monthly Installment (EMI) has been one of the major perk for the credit cardholders by providing the opportunity to purchase high value products despite having lower credit limit. With the aim to enhance purchasing power of our cardholders, we introduce EMI service under BUY NOW PAY in INSTALLMENT. Under this scheme, Cardholder shall purchase goods or services pay through HBL credit card and convert any transaction into EMI.


  • 100% financing to purchase products and services.
  • Gets Funds immediately in card accounting.
  • No other extra cost.
  • Flexible repayment tenure up to 36 months.
  • No blocking of money in Cardholder Bank accounting.
  • Simple Interest rate @ 6.99%
  • EMI financing up to 2.5 times of credit limit or Rs 500,000.00 whichever is lower.


  • Existing Credit Cardholders of HBL with good payment history.
  • New customer with good income source.

Necessary documents to process

  • EMI application form
  • Copy of Identification of customer
  • Copy of Delivery Order
  • Copy of VAT/PAN bill