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A: You are able to redeem your rewards by calling HBL Phone Banking on 111-111-425.

Make sure your delivery address and phone numbers are up to date in our system so that we can ensure your rewards arrive as soon as possible.

If there are some unpaid “Minimum Amounts Due” of previous statements, then these will also be added on the “Minimum Amount Due” of your current statement.Getting a credit card with no annual fee is a start, but if you carry a balance, you could still incur a cost in the form of interest.Knowing how and when credit card interest is charged is the best way to avoid paying interest and keep your credit card free.You're also not charged interest on balances with a 0% promotional APR.Your very first billing statement on a new credit card won't have a finance charge, unless you made a cash advance or your credit card doesn’t come with a grace period (this is rare).This will help you keep a record of all your transactions A: Direct Debit facility allows HBL Account Holders to give standing instructions to pay their credit card bills (either minimum amount or total amount due) directly through their bank account. You can also call HBL Phone Banking and place your request for card cancelation.Simply give written or telephonic instructions to HBL to directly debit the payment from your account every month on call our 24-hour HBL Phone Banking Service at 111-111-425A: If you are living outside Pakistan, we recommend that you make payments through HBL Internet Banking. A: If for any reason, you do not wish to continue using your HBL Credit Card, please cut the card into half, and send both halves to the following address Customer Services Department 3rd Floor, HBL Plaza, I. A: If at any time you face a problem regarding your credit card account, call our 24-hour HBL Phone Bankingat 111-111-425 or you can email your enquiries on our online helpline at [email protected]: Yes you can use your points to pay your annual fee.Each month you don’t pay your balance in full, you’ll have a finance charge added to your balance.The way to carry a balance and avoid paying interest is to take advantage of a 0% interest rate promotion.A: All HBL Credit Cards are issued to Pakistan residents only.Therefore, under HBL Policy Guidelines, you have to surrender your cards to the bank if you are proceeding abroad on employment or on emigration.

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