The Platinum CreditCard is the Visa that HBL, the bank with the widest branch network in Pakistan, offers to people who travel and spend abroad. Its core benefit is complimentary lounge access at selected airports through the Visa Airport Companion App, and its rewards formula is simple: one point for every Rs. 25 spent locally and three points per Rs. 25 equivalent in foreign currency.
Why we recommend the HBL Platinum CreditCard
Lounge access works with a digital membership: you register the card in the app once and show it at participating lounges, whatever the airline or ticket class. The benefit covers the primary and supplementary cardholders, while guests pay the lounge’s own rate. Up to six supplementary cards share one statement, one due date and one limit.
Points accrue automatically and can be exchanged for electronics, dining vouchers and other gifts from the HBL rewards catalogue. Annual fee waivers are among the options too, which is the smartest use of the points for someone who spends heavily, since it cuts the main fixed cost of holding the card.
Control sits in HBL Mobile: activate the card, generate the PIN, enable or block e-commerce, POS, ATM and contactless use separately, and switch international transactions on for chosen countries. Abroad, the Visa Platinum layer adds emergency cash, emergency card replacement, extended warranty and purchase protection under Visa’s terms.
Author’s opinion
We see it as a card for someone with a solid income who travels at least a few times a year. Under the HBL Schedule of Charges effective 1 July 2026, the annual fee is Rs. 22,000 for the basic card and Rs. 11,000 per supplementary card, and the service charge on unpaid balances goes up to 42% per annum, with Federal Excise Duty of up to 16% on fees.
Those costs only make sense when the lounges and points are used. HBL’s interest-free period applies only when no balance is carried over, so paying the full statement by the due date keeps the service charge at zero, and anyone who will not travel or redeem rewards should choose a cheaper card.
Our advice is to treat the fee as the price of the travel benefits, set the statement to auto-pay in full and keep foreign use switched off in HBL Mobile until the trip begins. Being able to close every channel you are not using is a real security advantage on a card that travels.
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