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.
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.
Bank AL Habib offers Debit Cards with different transaction limits. Choose the one that fits your needs
Linked to the Global VISA Network, Bank AL Habib VISA Gold Debit Card empowers you to handle purchases and withdraw cash while travelling abroad.
Transaction | Daily Limits (PKR) | |
---|---|---|
VISA Gold Primary | VISA Gold Supplementary | |
ATM Cash Withdrawal | 100,000 | 30,000 |
POS (Point of Sale) Transaction | 200,000 | 75,000 |
Funds Transfer Across Accounts | 250,000 | Not Allowed |
Transaction | Charges* |
---|---|
Annual Fee for Primary Card | PKR 1750 |
Annual Fee for Supplementary Card | PKR 1000 |
Card Replacement Fee - Primary Card | PKR 1750 |
Card Replacement Fee - Supplementary Card | PKR 1000 |
International ATM Withdrawal Charges | 3.5% of Transaction Amount |
International POS Transaction Charges | 3.5% of Transaction Amount |
International Balance Enquiry Charges | PKR 200 |
Funds Transfer to any account within BAHL | NIL |
Funds Transfer to bank accounts other than BAHL: Up to PKR 10,000/- Above PKR 10,000/- & up to PKR 50,000/- Above PKR 50,000/- & up to PKR 75,000/- Above PKR 75,000/- & up to PKR 150,000/- | PKR 25 PKR 40 PKR 60 PKR 100 |
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.
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.
Transaction | Daily Limits (PKR) | |
---|---|---|
VISA Silver Primary | VISA Silver Supplementary | |
ATM Cash Withdrawal | 75,000 | 25,000 |
POS (Point of Sale) Transaction | 150,000 | 50,000 |
Funds Transfer Across Accounts | 200,000 | Not Allowed |
Transaction | Charges* |
---|---|
Annual Fee for Primary Card | PKR 1400 |
Annual Fee for Supplementary Card | PKR 800 |
Card Replacement Fee - Primary Card | PKR 1400 |
Card Replacement Fee - Supplementary Card | PKR 800 |
International ATM Withdrawal Charges | 3.5% of the Transaction Amount |
International POS Transaction Charges | 3.5% on the Transaction Amount |
International Balance Enquiry Charges | PKR 200 |
Funds Transfer to any account within BAHL | NIL |
Funds Transfer to bank accounts other than BAHL: Up to PKR 10,000/- Above PKR 10,000/- & up to PKR 50,000/- Above PKR 50,000/- & up to PKR 75,000/- Above PKR 75,000/- & up to PKR 150,000/- | PKR 25 PKR 40 PKR 60 PKR 100 |
In case your Debit Card is lost/stolen or suspect misuse, immediately block your card by calling the Bank AL Habib.
While travelling overseas, you can get emergency assistance at the following numbers:
Please visit your nearest Bank AL Habib ATM with your Debit Card and follow the steps listed below:
Please Note: In case you face any issue while activating your Debit Card, please contact our 24/7 Call Centre at (+92-21) 111-014-014.
You may perform the following transactions using your Debit Card:
To see the daily limits of your card, please click on the relevant link given below:
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)
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.
BAHL Debit Cards are currently not enabled for online transactions.
If you have forgotten your PIN or if you simply prefer to change it, please contact the BAHL Contact Centre at 111-014-014.
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.
You can apply for card replacement by contacting BAHL Contact Centre at 111-014-014
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.
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.
You may lodge your complaint by contacting the BAHL Contact Centre at 111-014-014.
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.
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.
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.
Yes. Embedded chip based cards provide much better protection than traditional magnetic stripe cards.
No, the PIN will be same for ATM and POS transactions.
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.