Here you can have the detailed information related to bank al habib credit card . The key benefits, features and eligibility criteria of the credit card .
Table of Contents
Introduction Of Bank AL Habib Credit Card
Bank AL Habib is a leading commercial bank in Pakistan, known for its commitment to providing high-quality banking services with a strong focus on customer satisfaction. Established in 1991, the bank has grown to become one of the most trusted financial institutions in the country, with a widespread network of branches and ATMs. Bank AL Habib offers a wide range of financial products and services, including personal and corporate banking, Islamic banking, loans, and digital banking solutions. The bank’s reputation is built on a legacy of trust, integrity, and customer-centric policies.
Why Choose Bank AL Habib Credit Card?
Choosing a Bank AL Habib credit card comes with several advantages, including:
- Wide Acceptance: The credit cards are widely accepted at thousands of merchants nationwide and internationally, making it easy to shop and pay anywhere.
- Reward Programs: Customers can enjoy attractive reward programs, earning points on transactions that can be redeemed for discounts, gifts, and services.
- Flexible Payment Options: The bank provides flexible installment plans, allowing customers to manage their finances conveniently.
- Security Features: Advanced security measures, such as EMV chip technology and fraud protection services, ensure safe transactions.
- Exclusive Discounts: Cardholders can avail themselves of exclusive discounts and deals at partner merchants, including restaurants, travel agencies, and retail outlets.
- 24/7 Customer Support: Dedicated customer service ensures prompt assistance for queries, emergencies, and lost/stolen card reporting.
- Supplementary Cards: Customers can apply for supplementary cards for family members, providing shared benefits and spending control.
- Contactless Payments: Offering ease of use with NFC-enabled contactless payments for quicker transactions.
Importance of Having a Credit Card
Owning a credit card provides several financial and lifestyle benefits, such as:
- Convenience: Credit cards allow for cashless transactions, making it easier to shop online and offline without the need to carry cash.
- Emergency Funds: They serve as a financial backup during emergencies, helping users cover unexpected expenses.
- Building Credit History: Responsible usage of credit cards contributes to a positive credit score, which is crucial for future loan approvals and financial credibility.
- Budget Management: With features like spending limits, statement tracking, and installment plans, credit cards help manage monthly budgets effectively.
- Rewards and Perks: Users can earn cashback, reward points, and exclusive offers, maximizing their spending benefits.
- Fraud Protection: Credit cards offer better security and fraud protection compared to cash or debit cards, with dispute resolution options available.
- International Transactions: Credit cards are ideal for travelers, allowing seamless foreign currency transactions and travel-related perks such as travel insurance.
- Purchase Protection: Many credit cards provide insurance coverage for purchases, offering additional peace of mind when buying expensive items.
By choosing a Bank AL Habib credit card, customers can enjoy financial flexibility, enhanced security, and access to exclusive rewards and privileges.

Types of Bank AL Habib Credit Cards
Bank AL Habib offers a variety of credit cards designed to meet the diverse financial needs of its customers. These credit cards come with exclusive benefits, competitive features, and flexible repayment options. The available credit card options include:
1. Classic Credit Card
Overview:
The Classic Credit Card is an ideal choice for individuals who seek financial convenience with essential features and benefits. It offers affordability and basic privileges to meet day-to-day spending needs.
Key Features:
- Affordable annual fee
- Accepted globally at millions of merchants
- Reward points on every transaction
- Flexible installment plans for big purchases
- Contactless payment facility
- 24/7 customer support
- SMS alerts for transaction monitoring
Ideal For:
- First-time credit card users
- Everyday shopping and bill payments
2. Gold Credit Card
Overview:
The Gold Credit Card offers enhanced purchasing power and added benefits, making it a suitable option for individuals who want more privileges and flexibility.
Key Features:
- Higher credit limit compared to the Classic Card
- Exclusive discounts and deals at partner merchants
- Reward points on all retail transactions
- Free supplementary cards for family members
- Comprehensive fraud protection measures
- Travel-related benefits such as discounts and concierge services
Ideal For:
- Frequent shoppers and travelers
- Customers seeking additional perks and higher spending limits
3. Platinum Credit Card
Overview:
The Platinum Credit Card is designed for premium customers who seek luxury, convenience, and exclusive benefits. It provides a host of superior privileges and services.
Key Features:
- High credit limit for greater spending freedom
- Exclusive access to airport lounges worldwide
- Comprehensive travel insurance coverage
- Lifestyle privileges including dining, travel, and shopping discounts
- Priority customer service with dedicated support
- Contactless payment for quick and secure transactions
- Zero liability in case of lost/stolen card
Ideal For:
- High-net-worth individuals
- Frequent travelers and premium shoppers
4. Islamic Credit Card Options
Overview:
Bank AL Habib also offers Islamic credit cards, which are Shariah-compliant and based on Islamic banking principles. These cards allow customers to enjoy the benefits of a credit card without interest (Riba), ensuring compliance with Islamic financial values.
Key Features:
- Based on the concept of “Ujrah” (fee-based structure) instead of interest
- No Riba (interest) or hidden charges
- Halal transactions aligned with Islamic guidelines
- Rewards and discounts on Islamic-compliant purchases
- Takaful (Islamic insurance) coverage for cardholders
- Easy installment plans with Shariah compliance
Ideal For:
- Individuals seeking Islamic banking solutions
- Customers preferring ethical financial products

Key Features of Bank AL Habib Credit Cards
Bank AL Habib credit cards come with a range of features designed to offer convenience, security, and financial flexibility to customers. Below are some of the key features that make these cards an excellent choice for everyday spending and financial management.
1. Global Acceptability
Overview:
Bank AL Habib credit cards are internationally accepted, allowing cardholders to make purchases and payments across the globe. Whether traveling abroad or shopping online from international merchants, customers can enjoy seamless transactions.
Benefits:
- Accepted at millions of merchants worldwide
- Usable for online purchases and travel bookings
- Works at ATMs globally for cash withdrawals
- Facilitates currency conversion for international spending
- Provides access to emergency services while traveling
Ideal For:
- Frequent travelers
- Online shoppers purchasing from international stores
- Individuals working or studying abroad
2. Contactless Payment Technology
Overview:
Bank AL Habib credit cards are equipped with Near Field Communication (NFC) technology, enabling cardholders to make quick and secure payments by simply tapping their card at enabled terminals.
Benefits:
- Fast and hassle-free transactions with a simple tap
- Enhanced security with encrypted transactions
- Reduces the need for cash handling
- Ideal for small and frequent purchases
- Limits on contactless transactions for added security
Ideal For:
- Busy professionals seeking quick payments
- Retail shopping, restaurants, and public transport payments
- Customers looking for a secure and convenient payment option
3. Reward Points Program
Overview:
Bank AL Habib offers a rewarding loyalty program where customers earn points on every retail transaction. These points can be accumulated and redeemed for various rewards, including discounts, gift vouchers, and bill payments.
Benefits:
- Earn points on every eligible transaction
- Redeem points for shopping, travel, or bill payments
- Exclusive redemption options at partner merchants
- Bonus points on specific categories such as dining and travel
- No expiry on reward points (subject to terms & conditions)
Ideal For:
- Regular spenders who want to maximize their spending benefits
- Customers looking to reduce expenses through redemptions
- Loyalty program enthusiasts who enjoy earning rewards
4. Balance Transfer Facility
Overview:
The balance transfer facility allows cardholders to transfer outstanding balances from other bank credit cards to their Bank AL Habib credit card at lower interest rates and convenient installment plans.
Benefits:
- Lower interest rates compared to regular credit card rates
- Consolidate multiple credit card debts into one manageable payment
- Flexible repayment tenure options
- Helps in reducing financial burden and improving cash flow
- No hidden charges and easy application process
Ideal For:
- Customers managing high credit card debts
- Individuals looking for cost-effective repayment solutions
- Those seeking to simplify their monthly finances

Benefits of Bank AL Habib Credit Cards
Bank AL Habib credit cards come with numerous benefits that enhance the overall shopping, travel, and financial experience of cardholders. These benefits are designed to provide value, security, and convenience across various spending categories.
1. Cashback Offers
Overview:
Bank AL Habib credit cards provide attractive cashback offers, allowing cardholders to save money on everyday purchases. With cashback benefits, a percentage of the amount spent is returned to the cardholder, making it a rewarding way to spend.
Key Benefits:
- Earn cashback on grocery, fuel, dining, and online shopping
- Special promotional cashback offers during festive seasons
- Automatic credit of cashback to the cardholder’s account
- No complicated redemption process—cashback is applied directly to the balance
- Limits and caps ensure responsible spending while earning rewards
Ideal For:
- Frequent shoppers and diners
- Individuals looking to save on regular expenses
- Customers who prefer instant savings over reward points
2. Discounts at Partner Merchants
Overview:
Bank AL Habib credit cardholders enjoy exclusive discounts at a wide network of partner merchants, covering categories such as dining, travel, entertainment, fashion, and healthcare.
Key Benefits:
- Special discounts at top restaurants, hotels, and retail stores
- Exclusive deals on lifestyle brands and services
- Offers on online shopping platforms and food delivery services
- Discounted healthcare services at select hospitals and clinics
- Seasonal promotions and limited-time offers for cardholders
Ideal For:
- Shoppers looking for cost-effective deals
- Frequent diners and travelers
- Individuals seeking lifestyle-related savings
3. Travel and Lifestyle Benefits
Overview:
Bank AL Habib credit cards offer a range of travel and lifestyle privileges, ensuring a luxurious and hassle-free experience while traveling for business or leisure.
Key Benefits:
- Complimentary access to select airport lounges globally
- Discounts on airfare, hotel bookings, and car rentals
- Travel insurance coverage, including lost baggage and medical emergencies
- Concierge services for bookings and travel planning
- Dining privileges at premium restaurants worldwide
Ideal For:
- Frequent travelers and business professionals
- Leisure travelers seeking added convenience
- Luxury seekers who prefer premium travel experiences
4. Purchase Protection and Security
Overview:
Bank AL Habib credit cards come with advanced security features and purchase protection benefits to ensure a safe and worry-free shopping experience.
Key Benefits:
- EMV chip technology for enhanced fraud protection
- Zero liability on unauthorized transactions in case of lost or stolen cards
- Purchase protection covering accidental damage or theft of items bought with the card
- Real-time SMS and email alerts for transaction monitoring
- Secure online transactions with 3D Secure authentication
Ideal For:
- Online shoppers who prioritize secure payments
- Customers purchasing high-value items
- Individuals looking for protection against fraud and unauthorized use

Eligibility Criteria for Bank AL Habib Credit Card
To apply for a Bank AL Habib credit card, applicants must meet specific eligibility criteria related to age, income, and employment status. These criteria ensure that applicants have the financial capability to manage credit responsibly.
1. Age Requirements
Overview:
Applicants must fall within a specific age range to be eligible for a Bank AL Habib credit card. The minimum and maximum age limits vary based on employment type.
Age Criteria:
- Primary Cardholders:
- Minimum age: 21 years
- Maximum age: 60 years (for salaried individuals) and 65 years (for self-employed individuals)
- Supplementary Cardholders:
- Minimum age: 18 years
Ideal For:
- Young professionals looking to build credit history
- Middle-aged individuals seeking financial flexibility
- Retirees within the eligible age range with stable financial backing
2. Minimum Income Criteria
Overview:
Applicants must meet the bank’s minimum income requirements to qualify for different types of credit cards. The income threshold varies depending on the card type and applicant category.
Income Requirements:
- Salaried Individuals:
- Minimum monthly income: PKR 30,000 – PKR 50,000 (depending on the credit card type)
- Self-Employed Individuals/Business Owners:
- Minimum monthly income: PKR 50,000 – PKR 75,000
- Proof of consistent income required (e.g., tax returns, business statements)
Ideal For:
- Salaried professionals with stable monthly earnings
- Entrepreneurs and business owners with verifiable income sources
3. Employment Status (Salaried vs. Self-Employed)
Overview:
Eligibility varies based on whether the applicant is a salaried employee or self-employed/business owner, with different documentation and income proof requirements.
Criteria for Salaried Individuals:
- Must have stable employment with a reputable organization
- Minimum work experience of 6 months to 1 year in the current job
- Employment verification through salary slips and employer certification
Criteria for Self-Employed Individuals:
- Must have a registered business with a stable income flow
- Minimum business operational period of 1-2 years
- Financial documentation such as tax returns, bank statements, and business registration proof
Ideal For:
- Salaried professionals working in private or government sectors
- Entrepreneurs and freelancers with stable and verifiable income
Additional Eligibility Considerations:
- Credit History: A good credit score and positive repayment history improve approval chances.
- Existing Bank Relationship: Existing customers with savings or current accounts may have easier approval.
- Documentation Requirements: Applicants must provide CNIC, proof of income, employment verification, and address details.
How to Apply for Bank AL Habib Credit Card
Applying for a Bank AL Habib credit card is a simple and convenient process. Customers can choose between online and offline application methods based on their preference. Below is a step-by-step guide to applying for a credit card.
1. Online Application Process
Overview:
Bank AL Habib offers an easy and secure online application process, allowing applicants to apply from the comfort of their homes.
Steps to Apply Online:
- Visit the Official Website:
- Go to the Bank AL Habib website and navigate to the “Credit Cards” section.
- Choose Your Card Type:
- Select the desired credit card that suits your financial needs (Classic, Gold, Platinum, or Islamic).
- Fill the Online Application Form:
- Enter personal details such as name, CNIC, date of birth, contact information, and income details.
- Upload Required Documents:
- Attach scanned copies of required documents (CNIC, income proof, etc.).
- Submit the Application:
- Review the details and submit the application form.
- Track Application Status:
- After submission, an application reference number is provided to track the status online.
Processing Time:
- Usually takes 5-7 working days for approval after verification.
Advantages:
- Convenient and paperless process
- Available 24/7
- Faster processing and approval
2. Required Documents
To successfully apply for a Bank AL Habib credit card, applicants must provide the following essential documents:
For Salaried Individuals:
- Copy of valid CNIC (Computerized National Identity Card)
- Recent passport-sized photographs
- Last 3 months’ salary slips or employer’s salary certificate
- Bank statement of the past 6 months
- Proof of employment (e.g., job confirmation letter)
- Utility bill for address verification (if required)
For Self-Employed Individuals/Business Owners:
- Copy of valid CNIC
- Recent passport-sized photographs
- Last 12 months’ bank statements
- Business registration certificate (if applicable)
- Income tax return (ITR) for the past 2 years
- Utility bill for address verification
3. Offline Application at Branches
Overview:
Applicants who prefer face-to-face interaction can visit any Bank AL Habib branch to apply for a credit card.
Steps to Apply Offline:
- Visit the Nearest Bank AL Habib Branch:
- Locate the nearest branch using the bank’s branch locator tool on the website.
- Meet with a Bank Representative:
- Consult with a relationship manager to discuss credit card options and eligibility.
- Fill Out the Physical Application Form:
- Complete the required form with accurate details.
- Submit Required Documents:
- Provide necessary documents for verification.
- Receive Application Acknowledgment:
- A receipt or reference number will be provided to track the application status.
Processing Time:
- Typically takes 7-10 working days for approval and card dispatch.
Advantages:
- Personalized assistance and guidance
- Immediate resolution of queries
- Assistance in choosing the right credit card
Bank AL Habib credit cards come with various fees and charges that cardholders should be aware of to manage their finances effectively. Below is an overview of the key fees associated with these credit cards:

Annual Fees
The annual fees for Bank AL Habib credit cards vary depending on the card type:
- Green Credit Card:
- Primary Card: PKR 3,000
- Supplementary Card: PKR 2,000
- Gold Credit Card:
- Primary Card: PKR 4,250
- Supplementary Card: PKR 3,000
- Platinum Credit Card:
- Primary Card: PKR 8,000
- Supplementary Card: PKR 5,500 .Bank AL Habib
Interest Rates (APR)
Bank AL Habib credit cards have an Annual Percentage Rate (APR) of 25% per annum, which translates to a monthly interest rate of approximately 2.083%. This rate applies to any outstanding balances that are not paid in full by the due date. Bank AL Habib
Late Payment Charges
If the minimum payment is not made by the due date, a late payment fee is levied. The charge is 10% of the minimum payment due or PKR 2,100, whichever is higher. Bank AL Habib
Foreign Transaction Fees
For transactions made in foreign currencies, a fee of 4.5% of the transaction amount is applied. This fee covers currency conversion and processing costs. Bank AL Habib
Additional Fees
- Cash Advance Fee: 3% of the amount withdrawn or PKR 900, whichever is higher. Bank AL Habib
- Card Replacement Fee:
- Green Credit Card: PKR 1,600
- Gold Credit Card: PKR 3,000
- Platinum Credit Card: PKR 4,250
- Cheque Return Fee: PKR 750 per returned cheque. Bank AL Habib
It’s important for cardholders to review the detailed Schedule of Charges provided by Bank AL Habib to stay informed about all applicable fees and manage their credit card usage accordingly.
Reward Programs and Loyalty Benefits of Bank AL Habib Credit Cards
Bank AL Habib credit cards come with an attractive rewards program designed to provide value and exclusive privileges to cardholders. By using the credit card for everyday transactions, cardholders can earn reward points that can be redeemed for exciting benefits and exclusive offers.
1. Earning Reward Points
Overview:
Cardholders can earn reward points on every eligible transaction made using their Bank AL Habib credit card. Points accumulate based on spending categories such as retail shopping, dining, travel, and utility payments.
Key Features:
- Earn points on every PKR spent on eligible transactions.
- Bonus reward points on special categories like dining, travel, and fuel.
- No expiration of reward points (subject to terms and conditions).
- Accelerated points accumulation during promotional periods.
- Earn reward points on both domestic and international spending.
Typical Earning Structure:
- Retail Purchases: 1 point per PKR 100 spent.
- Dining & Entertainment: 2 points per PKR 100 spent.
- International Transactions: Higher reward points per PKR spent.
Ideal For:
- Frequent shoppers and travelers.
- Cardholders who use credit cards for daily expenses.
- Individuals looking to maximize spending benefits.
2. Redeeming Reward Points
Overview:
Accumulated reward points can be redeemed for a variety of exciting rewards, giving cardholders flexibility in utilizing their points for lifestyle and financial benefits.
Redemption Options:
- Shopping Vouchers: Redeem points for gift vouchers from top retail brands.
- Bill Payments: Use points to pay utility bills and mobile recharges.
- Airline Tickets: Redeem for flight tickets and travel bookings.
- Cashback: Convert points into statement credits to offset card balances.
- Charitable Donations: Donate points to support social causes.
Redemption Process:
- Log in to the Bank AL Habib online banking portal.
- Navigate to the rewards section and select the desired redemption option.
- Confirm the redemption, and the benefit will be applied to the account.
Ideal For:
- Customers who prefer financial flexibility through cashback.
- Travel enthusiasts looking to offset travel expenses.
- Individuals who enjoy redeeming points for shopping.
3. Exclusive Offers for Cardholders
Overview:
Bank AL Habib credit cardholders have access to exclusive offers and privileges that enhance their shopping, dining, and travel experiences. These offers are tailored to provide additional value beyond standard rewards.
Exclusive Cardholder Benefits:
- Discounts at Partner Merchants: Special discounts on dining, retail, and travel partners.
- Buy-One-Get-One (BOGO) Deals: Offers on movie tickets, dining, and entertainment venues.
- Seasonal Promotions: Limited-time offers during festive periods and holiday seasons.
- Priority Access: Early access to sales, events, and product launches.
- Travel Perks: Complimentary lounge access and travel insurance benefits.
How to Avail Offers:
- Check the official Bank AL Habib website or mobile app for updated offers.
- Use the credit card at partner outlets to automatically avail discounts.
- Follow promotional SMS and email updates from the bank.
Ideal For:
- Customers who frequently dine out and shop.
- Cardholders looking for added lifestyle perks and savings.
- Frequent travelers seeking exclusive travel benefits.

Security Features and Fraud Protection of Bank AL Habib Credit Cards
Bank AL Habib credit cards are equipped with advanced security features and fraud protection mechanisms to ensure a safe and secure banking experience for cardholders. These features help prevent unauthorized transactions, provide real-time monitoring, and offer peace of mind when using the card both locally and internationally.
1. EMV Chip Technology
Overview:
Bank AL Habib credit cards come embedded with EMV (Europay, MasterCard, and Visa) chip technology, which provides enhanced security compared to traditional magnetic stripe cards. The chip generates a unique transaction code for every purchase, making it nearly impossible for fraudsters to duplicate card information.
Key Benefits:
- Enhanced Protection: Reduces the risk of counterfeit fraud by generating dynamic transaction codes.
- Global Acceptance: Widely accepted at ATMs and POS terminals worldwide.
- Secure Online Transactions: Adds an extra layer of security for e-commerce purchases when used with 3D Secure.
- Protection Against Skimming: The chip makes it difficult for fraudsters to clone the card.
Ideal For:
- Individuals who frequently travel abroad and need secure transactions.
- Customers who prioritize security in high-value transactions.
2. SMS Alerts and Notifications
Overview:
To keep cardholders informed about their credit card usage, Bank AL Habib provides instant SMS and email alerts for every transaction. This feature allows users to monitor their spending in real-time and take immediate action in case of suspicious activity.
Key Benefits:
- Transaction Alerts: Receive instant SMS notifications for all transactions, including online, in-store, and ATM withdrawals.
- Fraud Detection: Alerts for unusual spending patterns or transactions from unfamiliar locations.
- Payment Reminders: Notifications for due dates, minimum payments, and overdue amounts.
- Spending Summary: Monthly SMS updates summarizing spending trends and outstanding balances.
- Customizable Alerts: Users can set personalized alert preferences via online banking.
Ideal For:
- Customers who want to track their spending in real time.
- Individuals concerned about unauthorized transactions.
3. Zero Liability Protection
Overview:
Bank AL Habib offers zero liability protection, ensuring that cardholders are not held responsible for unauthorized transactions made in case of lost, stolen, or compromised cards. This feature provides financial security and encourages worry-free usage of the card.
Key Benefits:
- No Liability for Unauthorized Transactions: If reported promptly, cardholders are protected from fraudulent charges.
- 24/7 Customer Support: Quick resolution of fraudulent claims through dedicated support channels.
- Card Blocking Services: Instantly block the card via helpline or mobile banking app in case of loss.
- Replacement Assurance: A new card is issued promptly after reporting fraud or loss.
- Peace of Mind: Cardholders can make purchases without fear of financial loss due to fraud.
Ideal For:
- Individuals using credit cards for online shopping and international transactions.
- Cardholders who travel frequently and need added security.
Bank AL Habib Credit Card Mobile App
Bank AL Habib provides a user-friendly mobile app that allows cardholders to manage their credit card accounts conveniently from their smartphones. The app offers a range of features and functionalities to ensure seamless financial management and easy access to credit card services.
1. Features and Functionalities
The Bank AL Habib Credit Card Mobile App is designed to make banking more efficient and accessible. Below are the key features and functionalities:
- View Credit Card Transactions:
- Track all recent transactions made with your credit card.
- View detailed transaction history including date, amount, and merchant information.
- Check Credit Card Balance:
- Monitor available credit, outstanding balance, and credit limit in real-time.
- Make Payments:
- Pay the outstanding balance or the minimum due amount directly from your linked bank account.
- Schedule payments for future dates.
- View Rewards Points:
- Track the accumulated reward points and check available redemption options.
- Redeem reward points for cashback, vouchers, or travel bookings directly from the app.
- View Statements:
- Access and download monthly credit card statements in PDF format.
- Check previous billing cycles and track payment history.
- Apply for Credit Limit Increase:
- Request an increase in your credit limit if your usage and payment history qualify.
- Block and Unblock Card:
- Immediately block your card if lost or stolen, or temporarily block it for security reasons.
- Request to unblock the card once it’s found or if you want to resume using it.
- Receive Alerts:
- Get SMS and push notifications for transactions, bill due dates, and reward point updates.
- View Offers & Promotions:
- Explore exclusive discounts, partner offers, and seasonal promotions available to credit cardholders.
- Customer Support:
- Access customer service through chat or email to resolve issues related to your card.
- Contact helpline numbers for immediate support in case of emergencies or fraud.
2. How to Use the App for Card Management
Managing your Bank AL Habib credit card is easy through the mobile app. Here’s a step-by-step guide on how to use the app for efficient card management:
- Log In to the App:
- Open the Bank AL Habib mobile app on your device.
- Log in using your user ID and password. If you haven’t registered, you can create an account directly from the app.
- Track Transactions and Balance:
- After logging in, navigate to the “Credit Card” section to view recent transactions, available balance, and credit limit.
- Pay Your Bill:
- Go to the “Payments” section to make payments on your outstanding balance or schedule future payments.
- Select the payment amount and confirm the transaction using your linked bank account or a debit card.
- Redeem Reward Points:
- Check your accumulated reward points under the “Rewards” section.
- Browse the available redemption options (vouchers, cashback, flights, etc.) and redeem them as per your preference.
- Apply for a Limit Increase:
- If you need a credit limit increase, navigate to the “Credit Limit” option in the settings.
- Submit a request, and the bank will review it based on your credit usage and history.
- Block/Unblock Card:
- In case of lost or stolen cards, go to the “Card Settings” section to block the card immediately.
- You can also unblock the card once the issue is resolved or if you want to resume using it.
- Set Alerts and Notifications:
- Go to “Settings” and enable notifications for transaction updates, due dates, rewards, and special offers.
3. Download and Setup Guide
The Bank AL Habib Credit Card Mobile App is available for both Android and iOS devices. Here’s how to download and set it up:
For Android Users:
- Download the App:
- Open the Google Play Store on your Android device.
- Search for “Bank AL Habib” and select the app from the search results.
- Tap Install to download and install the app.
- Set Up the App:
- Once installed, open the app from your home screen.
- Enter your user ID and password to log in.
- Follow any on-screen instructions to complete the setup process, including setting up security features like a PIN or biometric login (fingerprint/face recognition).
For iOS Users:
- Download the App:
- Open the App Store on your iPhone or iPad.
- Search for “Bank AL Habib” in the search bar.
- Tap Get to download and install the app.
- Set Up the App:
- Once installed, open the app and enter your user ID and password to log in.
- Set up additional security features as prompted, including touch ID or Face ID for secure access.
For New Users:
- If you don’t have a Bank AL Habib account, you can create one directly from the app by following the on-screen instructions.
- Once registered, you can apply for a credit card and manage it via the app once issued.
Comparing Bank AL Habib Credit Cards with HBL, MCB, and UBL Credit Cards
When choosing a credit card, it’s essential to compare different offerings from various banks to find the best fit for your needs. Below is a comparison of Bank AL Habib Credit Cards with credit card offerings from HBL (Habib Bank Limited), MCB (Muslim Commercial Bank), and UBL (United Bank Limited). This comparison will focus on key factors such as annual fees, reward programs, interest rates, and unique features to help you make an informed decision.
1. Comparison of Key Features
Feature | Bank AL Habib | HBL | MCB | UBL |
---|---|---|---|---|
Types of Credit Cards | Classic, Gold, Platinum, Islamic | HBL Classic, Gold, Platinum, UBL World | MCB Classic, Gold, Platinum, UBL Gold | UBL Classic, Gold, Platinum, UBL Travel |
Annual Fee (Primary Card) | PKR 3,000 – PKR 8,000 | PKR 2,500 – PKR 8,000 | PKR 2,500 – PKR 10,000 | PKR 2,500 – PKR 8,000 |
Interest Rate (APR) | 25% per annum | 25% per annum | 25% per annum | 25% per annum |
Reward Points Program | Yes (Various categories) | Yes (Earn points on spending) | Yes (Earn points on retail transactions) | Yes (Earn points and redeem rewards) |
Cashback Offers | Limited seasonal promotions | Cashback on selected cards | Limited cashback offers | Cashback on selected purchases |
Foreign Transaction Fee | 4.5% | 3% | 3% | 3% |
Balance Transfer Facility | Yes | Yes | Yes | Yes |
EMV Chip Technology | Yes | Yes | Yes | Yes |
Fraud Protection | Zero Liability Protection, SMS alerts | Zero Liability, Alerts | Zero Liability, Alerts | Zero Liability, Alerts |
Mobile App Availability | Yes | Yes | Yes | Yes |
Contactless Payments | Yes | Yes | Yes | Yes |
Pros Of The Bank Al Habib Credit Card
- Global Acceptance
- Bank AL Habib credit cards are accepted worldwide, making them an excellent choice for international travelers who need access to funds globally.
- Advanced Security Features
- EMV Chip Technology provides enhanced security by generating a unique transaction code for every purchase, reducing the risk of fraud.
- Zero Liability Protection ensures that cardholders are not responsible for unauthorized transactions made with a lost or stolen card.
- SMS Alerts and notifications allow you to monitor transactions in real-time, helping detect any fraudulent activity quickly.
- Reward Points Program
- Earn reward points on everyday purchases, which can be redeemed for various benefits such as cashback, shopping vouchers, and travel-related rewards.
- Balance Transfer Facility
- Allows you to transfer outstanding balances from other credit cards, which can be useful for consolidating debt and managing payments more effectively.
- Exclusive Offers and Discounts
- Enjoy discounts at partner merchants, special deals on dining, shopping, and travel, and seasonal promotions that offer additional savings.
- Contactless Payments
- The ability to make quick and secure payments through contactless technology, ensuring a faster checkout experience.
- Mobile App for Easy Management
- The Bank AL Habib Credit Card Mobile App allows you to view transactions, pay bills, check reward points, and manage the card on the go.
Cons Of The Bank Al Habib Credit Card
- Higher Foreign Transaction Fees
- With a foreign transaction fee of 4.5%, the cost of using the card internationally is higher than some other banks like HBL and MCB, which charge lower fees (around 3%).
- Annual Fees for Premium Cards
- The Platinum and Gold cards come with relatively higher annual fees (ranging from PKR 3,000 to PKR 8,000), which could be considered expensive compared to other banks’ offerings.
- Limited Cashback Offers
- While there are rewards and promotional offers, Bank AL Habib’s cashback opportunities are not as extensive as some other banks, such as HBL and UBL, which offer more competitive cashback programs.
- High Interest Rates
- Like many credit cards, Bank AL Habib charges an APR of 25%, which can be expensive if the balance is not paid off in full by the due date.
- Limited Travel Perks
- While there are some travel benefits, such as rewards and discounts, Bank AL Habib credit cards may not offer as many premium travel-related perks (like airport lounge access) as those from banks like UBL.
- Eligibility Requirements
- The eligibility criteria for certain cards (especially the Platinum) can be stringent, requiring a higher minimum income or employment status, which may exclude some potential applicants.
Tips for Responsible Credit Card Usage
Using a credit card responsibly can help maintain a good credit score, avoid unnecessary debt, and make the most of the benefits available. Here are some practical tips for responsible credit card usage:
1. Managing Credit Limit Effectively
Why It’s Important:
Your credit limit defines how much you can spend on your credit card. However, it’s essential to use it wisely to avoid accumulating debt and negatively impacting your credit score.
Tips for Managing Your Credit Limit:
- Stay Below 30% of Your Credit Limit:
Ideally, aim to use no more than 30% of your total credit limit at any given time. Using more than this can affect your credit score and make it harder to manage repayments. - Request a Credit Limit Increase Carefully:
If your income increases or if you want more flexibility, consider requesting a credit limit increase. However, make sure you’re capable of managing the additional credit without overspending. - Review Your Statements Regularly:
Keep track of your spending each month by reviewing your credit card statement or using the mobile app to stay within your limit. This can help avoid overspending. - Keep Track of Upcoming Bills:
Stay aware of your spending patterns and upcoming due dates. Avoid charging large expenses close to the due date to give yourself more time to pay off the balance.
2. Avoiding Late Payments
Why It’s Important:
Late payments can result in late fees, increased interest rates, and a negative impact on your credit score. Staying on top of due dates is essential to maintain financial health.
Tips for Avoiding Late Payments:
- Set Up Automatic Payments:
Enable automatic payments for the minimum due amount or the full balance to ensure that your payments are never late. This helps avoid missed payments and the potential for penalties. - Use Alerts and Reminders:
Set up SMS or email alerts through the mobile app or online banking to receive reminders before your payment due date. - Pay More Than the Minimum:
If possible, try to pay more than the minimum payment each month. This will help you reduce the balance faster and save on interest. - Create a Budget:
Include credit card payments as part of your monthly budget to ensure you always have enough funds set aside for timely payments. - Monitor Your Payment Cycle:
Keep track of when your bill cycle ends and make sure to pay before the due date to avoid late fees and interest.
3. Maximizing Rewards
Why It’s Important:
Credit card rewards programs are designed to provide you with benefits such as cashback, points, and discounts. By maximizing these rewards, you can make your spending more rewarding and save money on future purchases.
Tips for Maximizing Rewards:
- Understand Your Card’s Rewards Structure:
Bank AL Habib, like many banks, offers rewards points for specific categories like groceries, dining, or travel. Be sure to understand which spending categories earn you the most rewards and focus your spending in those areas. - Use Your Credit Card for Regular Purchases:
To accumulate points quickly, use your credit card for regular expenses such as grocery shopping, utilities, and entertainment. This allows you to accumulate rewards faster. - Take Advantage of Special Offers:
Many credit cards, including Bank AL Habib, offer special seasonal promotions or partnerships with retailers. These promotions can provide additional rewards, discounts, or bonus points. - Redeem Rewards Efficiently:
Regularly check your accumulated reward points and redeem them for items or discounts that provide the best value. For example, you might redeem points for travel bookings, cashback, or merchandise. - Pay Off Your Balance:
To ensure you aren’t losing rewards due to interest fees, try to pay off your balance in full each month. Interest charges can diminish the value of any rewards you’ve earned.
Customer Support and Helpline Information for Bank AL Habib Credit Cards
Bank AL Habib offers a comprehensive support system to assist credit cardholders with any inquiries, issues, or disputes related to their accounts. Here are the various ways you can contact the bank’s customer support for help with your credit card.
1. 24/7 Helpline Details
Bank AL Habib provides round-the-clock assistance through their helpline to address credit card-related concerns. Whether you need help with a lost card, transaction disputes, or general inquiries, you can reach them at any time.
Helpline Numbers:
- Pakistan (Domestic): +92 21 111 014 014
- International (for non-resident Pakistanis): +92 21 3533 4177
These numbers are available 24/7 to offer immediate support for card-related issues, including emergency card blocking, payment inquiries, and general customer assistance.
2. Email and Live Chat Support
In addition to phone support, Bank AL Habib offers email and live chat services for more in-depth inquiries or issues that may require documentation or a follow-up response.
Email Support:
- Credit Card Queries: info@bankalhabib.com.pk
- General Banking Inquiries: customercare@bankalhabib.com.pk
You can send your queries via email, and the bank’s customer support team will respond within a reasonable time frame. This method is especially useful for disputes, documentation requests, and general inquiries.
Live Chat Support:
- Website Support: Visit the Bank AL Habib website and use the Live Chat feature to directly communicate with a customer service representative. This is typically available during business hours but can sometimes provide off-hours support depending on the bank’s resources.
3. Resolving Disputes
If you encounter any issues, such as unauthorized transactions, billing errors, or disputes with merchants, Bank AL Habib provides a structured process to help resolve the situation:
Steps to Resolve Disputes:
- Contact Customer Support Immediately:
As soon as you notice a dispute or unauthorized charge, contact Bank AL Habib’s customer support via the 24/7 helpline, email, or live chat.- Provide detailed information about the disputed transaction, including the date, amount, and merchant name (if applicable).
- Report if your card was lost or stolen to prevent further fraudulent use.
- Submit a Dispute Form:
In some cases, the bank may require you to fill out a dispute form. This can typically be accessed through the bank’s website or by requesting it directly via email. Ensure you provide all requested documentation, such as receipts or transaction records. - Investigation Process:
Bank AL Habib will investigate the issue and work with you to resolve the dispute. The bank typically conducts a thorough review of the claim within a few days.- The bank may issue a temporary credit for the disputed amount while the investigation is underway.
- Follow Up:
- Keep track of your communication with customer support and follow up regularly if you haven’t received an update within the expected time frame.
- If you are not satisfied with the resolution or feel the investigation was not conducted properly, you can escalate the matter by requesting to speak with a supervisor or manager.
Conclusion
Bank AL Habib offers a range of credit cards tailored to different financial needs and preferences, with a focus on global acceptance, security, rewards, and customer support. Whether you’re a frequent traveler, a shopper, or someone who wants to consolidate debt, Bank AL Habib provides solutions that cater to a wide range of cardholders.
With EMV chip technology, zero liability protection, and SMS alerts, Bank AL Habib ensures safe and secure card usage worldwide. Cardholders can take advantage of various reward points programs, seasonal promotions, and partner discounts to make the most of their spending.
Bank AL Habib’s foreign transaction fee of 4.5% may be higher compared to other banks. Premium cards come with relatively higher annual fees, which may not suit every customer. While reward points are available, cashback offers are more limited compared to some competitors.
By using your credit card responsibly—staying within your credit limit, avoiding late payments, and maximizing rewards—you can enjoy the full benefits of a Bank AL Habib credit card while maintaining financial health. Whether for everyday purchases or travel, Bank AL Habib’s credit card options provide a reliable and secure solution for managing your finances.
FAQs
What types of credit cards does Bank AL Habib offer?
Bank AL Habib offers various types of credit cards, including Classic, Gold, Platinum, and Islamic Credit Cards.
How can I apply for a Bank AL Habib credit card?
You can apply online through the bank’s official website, or by visiting a Bank AL Habib branch.
What are the eligibility criteria for a Bank AL Habib credit card?
You must meet age, income, and employment status requirements. Generally, applicants should be at least 21 years old and have a minimum monthly income as defined by the bank.
Is there an annual fee for Bank AL Habib credit cards?
Yes, Bank AL Habib charges an annual fee, which varies depending on the type of card (Classic, Gold, Platinum).
Can I get a credit card without an income proof?
Income proof is usually required for most types of credit cards. However, some exceptions may apply based on the applicant’s profile.
How do I earn reward points with a Bank AL Habib credit card?
You earn reward points by making purchases using your credit card, with points accumulating based on your spending categories.
What can I redeem my reward points for?
You can redeem your reward points for cashback, shopping vouchers, airline tickets, and various other rewards available through Bank AL Habib’s partner merchants.
Do I need to register to start earning rewards?
No, the rewards program is automatically activated once you receive your card. Simply use the card for eligible purchases to start earning points.
Are there any special offers for credit cardholders?
Yes, Bank AL Habib provides seasonal promotions, partner merchant discounts, and exclusive offers for cardholders throughout the year.
How can I maximize my reward points?
Use your credit card for regular spending on categories that earn the most reward points, such as groceries, dining, and travel.
What is the foreign transaction fee on Bank AL Habib credit cards?
The foreign transaction fee is 4.5% on international purchases made using the credit card.
What are the late payment charges for Bank AL Habib credit cards?
Late payment charges vary, but typically, a fee is applied if you fail to pay at least the minimum payment by the due date.
What is the interest rate on Bank AL Habib credit cards?
The annual percentage rate (APR) for most Bank AL Habib credit cards is around 25%.
Are there any hidden fees associated with Bank AL Habib credit cards?
Aside from the annual fee, foreign transaction fee, and late payment charges, there are no hidden fees. All charges are transparently mentioned in your credit card agreement.
How does Bank AL Habib protect my credit card from fraud?
Bank AL Habib provides EMV chip technology, zero liability protection, and SMS alerts to protect against unauthorized transactions.
What should I do if I lose my Bank AL Habib credit card?
Immediately contact Bank AL Habib’s 24/7 helpline to block the card and prevent fraudulent use. You can also report the loss through email or the bank’s mobile app.
How do I report an unauthorized transaction on my credit card?
You can report unauthorized transactions by calling the 24/7 helpline, emailing the bank, or using live chat support. The bank will guide you through the dispute process.
How can I pay my Bank AL Habib credit card bill?
Payments can be made through online banking, mobile app, ATMs, or directly at Bank AL Habib branches.
What happens if I don’t pay my credit card bill on time?
Late payments will incur late fees and interest charges. Repeated late payments can negatively impact your credit score.
Can I pay more than the minimum payment on my credit card bill?
Yes, paying more than the minimum payment reduces your balance faster and helps avoid excessive interest charges.