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Overview
BAHL Debit Cards are a secure and convenient option to do shopping, pay bills, and do more without carrying cash. You can also withdraw money from an Automated Teller Machine (ATM) using your BAHL Debit Card.
Unlike a credit card, the amount is automatically taken from your account, so you must have the balance in your account for your transactions.
Advanced Security for your peace of mind
The small metallic square you see on your new card is what makes it smarter. It uses advanced encryption techniques (Secure chip technology ‘EMV’) to verify your card, adds another layer of security and makes it harder for your card to be misused.
Debit Cards for People from Different Walks of Life
Bank AL Habib offers Debit Cards with different transaction limits. Choose the one that fits your needs
Signature Debit Card Features
Your AL Habib Signature Debit Card offers superior features and unmatched benefits
Higher Transaction Limits
3x Supplementary cards
Purchase Protection
Travel Inconvenience Coverage
3D Secure Facility
For 24/7 assistance and guidance call at our Helpline
How To Activate Your Debit Card?
You can Activate your Debit Card through any of these Channels
ATMs
Call Center
Netbanking
AL Habib Mobile
Other Information
- How to apply for AL Habib Signature Debit Card?
New Customers:
- You may apply for a Debit Card through the account opening form if you meet the eligibility criteria. The process will be completed at your relationship branch.
Existing Customers:
- For first-time issuance of a Debit Card, contact the 24/7 Call Center at (+92 21) 111-014-014 or visit your relationship branch.
- If you already have a Debit Card and require a replacement or conversion, contact the 24/7 Call Center at (+92 21) 111-014-014.
- How many Supplementary Cards may a customer avail?
You can get up to 3 supplementary cards.
- What is the eligibility criteria to apply for a AL Habib Signature Debit Card?
Transaction Particulars New Customer Existing Customer Monthly Salary PKR 750,000 & above PKR 750,000 & above Deposit (CASA) PKR 2,000,000 & above Avg monthly balance of PKR 2,000,000 & above for 180 days - What are the daily usage limits for AL Habib Signature Debit Card?
Transaction Daily Limits (PKR) Visa Signature Primary Visa Signature Supplementary ATM Cash Withdrawal PKR 1,000,000 PKR 1,000,000 POS PKR 1,500,000 PKR 1,500,000 Funds Transfer Across Accounts PKR 2,000,000 N/A - What are the fees and charges associated with AL Habib Signature Debit Card?
Transaction Charges* Annual Fee for Primary Card PKR 20,000 Annual Fee for Supplementary Card PKR 20,000 Card Replacement Fee (Primary / Supplementary) PKR 18,000 / 18,000 Fund transfer to any account within BAHL yes ATM Cash Withdrawal - Local (1 Link) PKR 35 Balance inquiry charges - Local (1 Link) PKR 4.67 ATM Reciept printing fee - OFF Net PKR 4.67 ATM Reciept printing fee - On Net ( Cash withdrawal & Balance inquiry receipt) PKR 4.67 ATM Cash Withdrawal - International 4.50% of transaction amount Balance inquiry charges - International PKR 300 POS/E-Commerce transaction charges - International 4.50% of transaction amount IBFT charges via ATM Free IBFT - Up to PKR 25,000/- per month / per account.
For additional amount above PKR 25,000/- per month/ per account, 0.1% of the transaction amount or PKR 200, whichever is lower will be charged- *Note: These charges are exclusive of FED.
- *The rates are effective from August 2025
- How to report a Lost or Stolen Card?
In case your Debit Card is lost/stolen or you suspect misuse, immediately block your card via AL Habib Mobile App / Netbanking or by calling at Bank AL Habib Helpline (+92 21) 111 014 014 from your registered number.
Visa Debit Platinum Features
Bank AL Habib VISA Platinum Debit Card is your financial power-key. Linked to over 1.7 million ATMs and 24 million merchants globally, Bank AL Habib helps you unlock premium lifestyle facilities globally.
Use it at millions of ATMs around the world
Utility Bill Payment
Transfer Funds
For 24/7 guidance call our helpline
Get Supplementary Cards
Avail Exclusive Discounts
How To Activate Your Debit Card?
You can Activate your Debit Card through any of these Channels
ATMs
Call Center
Netbanking
AL Habib Mobile
Other Information
- How to apply for VISA Debit Platinum Card
New Customers:
- You may apply for a Debit Card through the account opening form if you meet the eligibility criteria. The process will be completed at your relationship branch.
Existing Customers:
- For first-time issuance of a Debit Card, contact the 24/7 Call Center at (+92 21) 111-014-014 or visit your relationship branch.
- If you already have a Debit Card and require a replacement or conversion, contact the 24/7 Call Center at (+92 21) 111-014-014.
Supplementary Cards:
- You can avail up to 3 supplementary cards.
Eligibility Criteria:
Avg. Monthly Balance (PKR) or for 180 days 500,000 or above Monthly Salary (PKR) 300,000 or above Daily Usage Limits:
Transaction Daily Limits (PKR) VISA Platinum Primary VISA Platinum Supplementary ATM Cash Withdrawal 300,000 150,000 POS (Point of Sale) Transaction 1,000,000 250,000 Funds Transfer Across Accounts 500,000 Not Allowed Fees And Charges:
Transaction Charges* Annual Fee for Primary Card PKR 8,000 Annual Fee for Supplementary Card PKR 5,500 Card Replacement Fee (Primary / Supplementary) PKR 8,000 / 5,500 Fund transfer to any account within BAHL yes ATM Cash Withdrawal - Local (1 Link) PKR 35 Balance inquiry charges - Local (1 Link) PKR 4.67 ATM Reciept printing fee - OFF Net PKR 4.67 ATM Reciept printing fee - On Net ( Cash withdrawal & Balance inquiry receipt) PKR 4.67 ATM Cash Withdrawal - International 4.50% of transaction amount Balance inquiry charges - International PKR 300 POS/E-Commerce transaction charges - International 4.50% of transaction amount IBFT charges via ATM Free IBFT - Up to PKR 25,000/- per month / per account.
For additional amount above PKR 25,000/- per month/ per account, 0.1% of the transaction amount or PKR 200, whichever is lower will be charged- *Note: These charges are exclusive of FED.
- *The rates are effective from August 2025.
Visa Debit Gold Features
Linked to the Global VISA Network, Bank AL Habib VISA Gold Debit Card empowers you to handle purchases and withdraw cash while travelling abroad.
Avail Exclusive Discounts at participating outlets
Use it at millions of ATMs and retail outlets locally and globally*
Get Supplementary Cards
Utility bill payment
For 24/7 assistance and guidance call at our Helpline
Transfer Funds
How To Activate Your Debit Card?
You can Activate your Debit Card through any of these Channels
ATMs
Call Center
Netbanking
AL Habib Mobile
Other Information
- How to Apply for VISA Debit Gold Card?
New Customers:
- You may apply for a Debit Card through the account opening form if you meet the eligibility criteria. The process will be completed at your relationship branch.
Existing Customers:
- For first-time issuance of a Debit Card, contact the 24/7 Call Center at (+92 21) 111-014-014 or visit your relationship branch.
- If you already have a Debit Card and require a replacement or conversion, contact the 24/7 Call Center at (+92 21) 111-014-014.
Supplementary Cards:
- You can get up to 5 supplementary cards.
- To apply please visit your relationship branch.
Daily Usage Limits:
Transaction Daily Limits (PKR) VISA Gold Primary VISA Gold Supplementary ATM Cash Withdrawal 250,000 100,000 POS (Point of Sale) Transaction 500,000 200,000 Funds Transfer Across Accounts 400,000 Not Allowed Fees And Charges:
Transaction Charges* Annual Fee for Primary Card PKR 4,250 Annual Fee for Supplementary Card PKR 3,000 Card Replacement Fee (Primary / Supplementary) PKR 4,250 / 3,000 Fund transfer to any account within BAHL yes ATM Cash Withdrawal - Local (1 Link) PKR 35 Balance inquiry charges - Local (1 Link) PKR 4.67 ATM Reciept printing fee - OFF Net PKR 4.67 ATM Reciept printing fee - On Net ( Cash withdrawal & Balance inquiry receipt) PKR 4.67 ATM Cash Withdrawal - International 4.50% of transaction amount Balance inquiry charges - International PKR 300 POS/E-Commerce transaction charges - International 4.50% of transaction amount IBFT charges via ATM Free IBFT - Up to PKR 25,000/- per month / per account.
For additional amount above PKR 25,000/- per month/ per account , 0.1% of the transaction amount or PKR 200, whichever is lower will be charged- *Note: These charges are exclusive of FED.
- *The rates are effective from August 2025
- How to report a Lost or Stolen Card?
In case your Debit Card is lost/stolen or suspect misuse, immediately block your card by calling at Bank AL Habib Helpline from your registered number.
Visa Debit Silver Features
Bank AL Habib Visa Silver Debit Card enables you the access to your account from over 1.65 million ATMs and 20 million merchants in 148 countries.
Avail Exclusive Discounts at participating outlets
Use it at millions of ATMs and retail outlets locally and globally*
Utility Bill Payment
Transfer Funds
Get Supplementary Cards
For 24/7 assistance and guidance call at our Helpline
How To Activate Your Debit Card?
You can Activate your Debit Card through any of these Channels
ATMs
Call Center
Netbanking
AL Habib Mobile
Other Information
- How to Apply for VISA Debit Silver Card?
New Customers:
- You may apply for a Debit Card through the account opening form if you meet the eligibility criteria. The process will be completed at your relationship branch.
Existing Customers:
- For first-time issuance of a Debit Card, contact the 24/7 Call Center at (+92 21) 111-014-014 or visit your relationship branch.
- If you already have a Debit Card and require a replacement or conversion, contact the 24/7 Call Center at (+92 21) 111-014-014.
Supplementary Cards:
- You can get up to 2 supplementary cards.
- To apply please visit your relationship branch.
Daily Usage Limits:
Transaction Daily Limits (PKR) VISA Silver Primary VISA Silver Supplementary ATM Cash Withdrawal 200,000 75,000 POS (Point of Sale) Transaction 250,000 150,000 Funds Transfer Across Accounts 300,000 Not Allowed Fees And Charges:
Transaction Charges* Annual Fee for Primary Card PKR 3,500 Annual Fee for Supplementary Card PKR 2,500 Card Replacement Fee (Primary / Supplementary) PKR 3,500 / 2,500 Fund transfer to any account within BAHL yes ATM Cash Withdrawal - Local (1 Link) PKR 35 Balance inquiry charges - Local (1 Link) PKR 4.67 ATM Reciept printing fee - OFF Net PKR 4.67 ATM Reciept printing fee - On Net ( Cash withdrawal & Balance inquiry receipt) PKR 4.67 ATM Cash Withdrawal - International 4.50% of transaction amount Balance inquiry charges - International PKR 300 POS/E-Commerce transaction charges - International 4.50% of transaction amount IBFT charges via ATM Free IBFT - Up to PKR 25,000/- per month / per account.
For additional amount above PKR 25,000/- per month/ per account, 0.1% of the transaction amount or PKR 200, whichever is lower will be charged- *Note: These charges are exclusive of FED.
- *The rates are effective from August 2025
- How to report a Lost or Stolen Card
In case your Debit Card is lost/stolen or suspect misuse, immediately block your card by calling the Bank AL Habib.
AL Habib Digital Account Classic Features
AL Habib Digital Account Classic enables you to access your account from anywhere in the world and make transactions effortlessly.
Avail Exclusive Discounts at participating outlets
Use it at millions of ATMs around the world
Utility Bill Payment
Transfer Funds
Get Supplementary Cards
For 24/7 assistance contact us on our helpline at (+92 21) 111 014 014
How To Activate Your Debit Card?
You can Activate your Debit Card through any of these Channels
ATMs
Call Center
Netbanking
AL Habib Mobile
Other Information
- How to apply for AL Habib Digital Account Classic Debit Card?
New Customers:
- You may apply for a Debit Card through the account opening form if you meet the eligibility criteria. The process will be completed at your relationship branch.
Existing Customers:
- For first-time issuance of a Debit Card, contact the 24/7 Call Center at (+92 21) 111-014-014 or visit your relationship branch.
- If you already have a Debit Card and require a replacement or conversion, contact the 24/7 Call Center at (+92 21) 111-014-014.
- How many Supplementary Cards may a customer avail?
You can get up to 2 supplementary cards.
- What are the daily usage limits for AL Habib Digital Account Classic Debit Card?
Transaction Daily Limits (PKR) Visa Platinum Primary Visa Platinum Supplementary ATM Cash Withdrawal 200,000 75,000 POS 250,000 150,000 Funds Transfer Across Accounts 300,000 Not Allowed - What are the charges associated with AL Habib Digital Account Gold Debit Card?
Transaction Charges* Annual Fee for Primary Card PKR 3,000 Annual Fee for Supplementary Card PKR 2,500 Card Replacement Fee (Primary / Supplementary) PKR 3,000 / 2,500 Fund transfer to any account within BAHL yes ATM Cash Withdrawal - Local (1 Link) PKR 35 Balance inquiry charges - Local (1 Link) PKR 4.67 ATM Reciept printing fee - OFF Net PKR 4.67 ATM Reciept printing fee - On Net ( Cash withdrawal & Balance inquiry receipt) PKR 4.67 ATM Cash Withdrawal - International 4.50% of transaction amount Balance inquiry charges - International PKR 300 POS/E-Commerce transaction charges - International 4.50% of transaction amount IBFT charges via ATM Free IBFT - Up to PKR 25,000/- per month / per account.
For additional amount above PKR 25,000/- per month/ per account, 0.1% of the transaction amount or PKR 200, whichever is lower will be charged- *Note: These charges are exclusive of FED.
- *The rates are effective from August 2025
- How to report a Lost or Stolen Card?
In case your Debit Card is lost/stolen or you suspect misuse, immediately block your card via AL Habib Mobile App / Netbanking or by calling at Bank AL Habib Helpline (+92 21) 111 014 014 from your registered number.
AL Habib Digital Account Gold Features
Go Global with our AL Habib Digital Account Gold Debit Card which is accepted everywhere and enjoy the following benefits:
Avail Exclusive Discounts at participating outlets
Use it at millions of ATMs and retail outlets locally and globally*
Utility Bill Payment
Transfer Funds
Get Supplementary Cards
For 24/7 assistance and guidance call at our Helpline
How To Activate Your Debit Card?
You can Activate your Debit Card through any of these Channels
ATMs
Call Center
Netbanking
AL Habib Mobile
Other Information
- How to apply for AL Habib Digital Account Gold Debit Card?
New Customers:
- You may apply for a Debit Card through the account opening form if you meet the eligibility criteria. The process will be completed at your relationship branch.
Existing Customers:
- For first-time issuance of a Debit Card, contact the 24/7 Call Center at (+92 21) 111-014-014 or visit your relationship branch.
- If you already have a Debit Card and require a replacement or conversion, contact the 24/7 Call Center at (+92 21) 111-014-014.
- How many Supplementary Cards may a customer avail?
You can get up to 2 supplementary cards.
- What are the daily usage limits for AL Habib Digital Account Gold Debit Card?
Transaction Daily Limits (PKR) Visa Platinum Primary Visa Platinum Supplementary ATM Cash Withdrawal 200,000 100,000 POS 500,000 200,000 Funds Transfer Across Accounts 400,000 Not Allowed - What are the charges associated with AL Habib Digital Account Gold Debit Card?
Transaction Charges* Annual Fee for Primary Card PKR 4,250 Annual Fee for Supplementary Card PKR 3,000 Card Replacement Fee (Primary / Supplementary) PKR 4,250 / 3,000 Fund transfer to any account within BAHL yes ATM Cash Withdrawal - Local (1 Link) PKR 35 Balance inquiry charges - Local (1 Link) PKR 4.67 ATM Reciept printing fee - OFF Net PKR 4.67 ATM Reciept printing fee - On Net ( Cash withdrawal & Balance inquiry receipt) PKR 4.67 ATM Cash Withdrawal - International 4.50% of transaction amount Balance inquiry charges - International PKR 300 POS/E-Commerce transaction charges - International 4.50% of transaction amount IBFT charges via ATM Free IBFT - Up to PKR 25,000/- per month / per account.
For additional amount above PKR 25,000/- per month/ per account , 0.1% of the transaction amount or PKR 200, whichever is lower will be charged- *Note: These charges are exclusive of FED.
- *The rates are effective from August 2025
- How to report a Lost or Stolen Card?
In case your Debit Card is lost/stolen or you suspect misuse, immediately block your card via AL Habib Mobile App / Netbanking or by calling at Bank AL Habib Helpline (+92 21) 111 014 014 from your registered number.
Visa Global Customer Assistance Service (GCAS)
While travelling overseas, you can get emergency assistance at the following numbers:
Debit Cards Frequently Asked Questions
- How can I activate my Debit Card through ATM?
- After production of your Debit Card, you will receive your One-Time Password (OTP) for card activation on your registered mobile number / email address.
Please visit your nearest Bank AL Habib ATM with your Debit Card and follow the steps listed below:
- Insert your new Debit Card in the Bank AL Habib ATM
- Enter your 13 digit Computerized National Identity Card (CNIC) number (without spaces or dashes)
- Enter your date of birth in the format DDMMYYYY. For e.g., for DOB Jun 30, 1990, enter 30061990
- Enter your One-Time Password (OTP) received on your registered mobile number / email address
- After verification is successfully completed, please generate your desired Personal Identification Number (PIN) by entering 4 digits of your choice
- Please re-enter your desired PIN for confirmation
- After successful generation of PIN, you will be notified through the ATM Screen and printed slip. Your Debit Card has been activated for use. (For your safety, do not share your PIN with anyone and keep changing it periodically in the future)
Note: Kindly collect and activate your Debit Card within 60 days of issuance from your concerned branch. In case the collection/activation of Debit Card exceeds beyond the mentioned timeline, it may result in cancellation/blockage of your Debit Card after which a replacement card will be issued on request and will be charged as per the prevailing schedule of charges.
For further assistance or query while activating your Debit Card, please contact our 24/7 Call Center at (+92 21) 111-014-014.
- What kind of transactions can I do with my Debit Card?
You may perform the following transactions using your Debit Card:
- Cash withdrawal through ATM
- Purchase through Point-of-Sale (POS) Terminals
- Utility bill payments
- Balance Inquiry
- Mini-Statement
- Funds Transfer
- PIN change
- What are my daily transaction limits for using BAHL Debit Card?
To see the daily limits of your card, please click on the relevant link given below:
- Can the daily ATM cash withdrawal limit be changed?
No. However, you may consider applying for a different card that offers the limit structure that is best for you. Please find a comparison of our cards on the link given below:
(Comparison link) - How do I make purchases through my Debit Card?
On your purchase, the merchant will insert your Debit Card in the Point-of-Sale Terminal (POS) and ask you to enter your PIN (same as that you use for ATM transactions) where applicable. The merchant may also swipe your card and give you a slip to sign.
After successful verification, please remember to collect your Card and charge slip after completion of the transaction.
- Can I shop online with my Debit Card?
BAHL Visa Debit Cards are currently enabled for online transactions through 3D Secure.
- How can I change my PIN?
If you have forgotten your PIN or if you simply prefer to change it, please contact the BAHL Contact Centre at 111-014-014.
- Can I use my Debit Card overseas?
Only VISA and UnionPay cards may be used abroad at ATMs or POS terminals where the VISA or UnionPay logos are displayed, respectively. PayPak cards can be used only in Pakistan.
Before travelling abroad, please inform the Bank by calling BAHL Call Center at 111-014-014 to activate international transactions on your card. Furthermore, please note that overseas transaction fees will apply.
- How can I apply for card replacement?
You can apply for card replacement by contacting BAHL Contact Centre at 111-014-014
- My current card expires soon, when will I receive a replacement?
You will be issued a replacement card within the month your card is due to expire. If you have not received your replacement card towards the end of the month, please call us on 111-014-014.
- If I suspect that information on my Debit Card has been compromised or has been used to make fraudulent purchases, what should I do?
Immediately report any fraudulent or suspected transaction on your BAHL Debit Card by contacting the BAHL Contact Centre at 111-014-014. The bank will investigate the transaction and update you accordingly.
- What do I do if I want to lodge a complaint?
You may lodge your complaint by contacting the BAHL Contact Centre at 111-014-014.
- Moreover, please note the following changes in the Lost or Stolen Debit Card FAQ section
- What happens if my VISA Debit/ ATM card is lost or stolen?
If your card is lost or stolen, report the loss immediately to BAHL Contact Center at111-014-014. Once the bank is informed about the loss or theft, it will immediately block the card and replace your card by issuing you a new card at applicable charges upon your request.
It is always safe not to keep the card and the PIN together. It is also advised to change your PIN periodically. - Can others use my Card?
We strongly request you not to allow any other person to use the card as it is intended only for the person on whose name the card is issued. The bank shall not be responsible for use of the cards by other persons and any loss or damage arising out of such transactions.
EMV Chip Frequently Asked Questions
- What is an EMV Chip & PIN Card?
Chip and PIN cards are evolution of electronic payments around the globe, helping to make payments more secure. This means that cardholders will be required to enter PIN (Personal Identification number) to complete the transactions performed on POS terminals and ATMs.
- Are chip cards more secure than magnetic stripe based cards?
Yes. Embedded chip based cards provide much better protection than traditional magnetic stripe cards.
- Will the PIN be different for ATM and POS transactions?
No, the PIN will be same for ATM and POS transactions.
- How do I make payments with my Bank AL Habib EMV Debit Card?
- Step 1: The merchant inserts your card at POS machine and enters the transaction amount.
- Step 2: The POS machine will prompt for a PIN to be entered by you.
- Step 3: On entering the correct PIN, the transaction is confirmed and completed.
- Step 4: Receive the card from the merchant without delay.
Note: Bank AL Habib will never contact you for asking your personal information, card number, PIN, OTP or CVV via phone, SMS or email. Never share your ATM PIN or any other confidential information with anyone. Please also change your PIN frequently for your own security and convenience.