Who can apply for the HBL Platinum CreditCard?
Any adult resident of Pakistan with a valid CNIC, a regular documented income and a clean repayment record can apply. HBL does not publish a minimum salary for the Platinum card on the product page; the limit and the decision come from the bank’s assessment of your income, your existing debt and your eCIB history. Because this is a premium card with a Rs. 22,000 annual fee, the bank expects a higher income bracket than for its Gold and Green cards.
If you already receive your salary in an HBL account, the process is usually simpler, since the bank can see your income directly. Approval is never guaranteed: HBL evaluates each application and may offer a lower limit or a different card.
Requirements to get the HBL Platinum CreditCard
✔️ Be a Pakistani resident of legal age with a valid, unexpired CNIC
✔️ Proof of income: salary slip and bank statement for salaried applicants, or business proof and statements for the self-employed
✔️ A mobile number registered in your name, used for OTPs and SMS alerts
✔️ Repayment history in the eCIB without unpaid defaults; the bank also checks your total debt burden
✔️ Supplementary cardholders must be family members of legal age, up to six per account
A piece of advice for you!
Before you apply, ask yourself how much you will spend on the card in a year. HBL lets you redeem points for annual fee waivers, so a cardholder who concentrates household spending on the card and pays in full can recover a good part of the Rs. 22,000 fee; a cardholder who uses it occasionally cannot.
When the card arrives, activate it in HBL Mobile, set your own PIN and leave e-commerce and international channels switched off until you need them. Turn on SMS alerts so that every transaction reaches your phone.
And never pay only the minimum out of habit. HBL’s minimum is 5% of the statement balance, which keeps the account current but leaves the rest accruing service charges at up to 42% per annum. If a large purchase is coming, ask about the HBL Instalment Plan, which converts it into fixed instalments at a lower published rate.
What are the fees and charges of the HBL Platinum CreditCard?
According to the HBL CreditCard Schedule of Charges effective 1 July 2026: annual fee Rs. 22,000 (basic) and Rs. 11,000 (supplementary); transaction service charge up to 42% per annum; balance transfer facility and HBL Instalment Plan at 24% per annum on the outstanding amount; BTF processing Rs. 600 or 3% of the transferred amount, whichever is higher; cash advance issuance charge of 3% of the amount withdrawn with a floor of Rs. 1,200, plus cash advance service charges also up to 42% per annum; late payment fee Rs. 2,500; card replacement Rs. 1,200; foreign transaction charge 4% of the amount; instalment plan processing Rs. 1,200 and early payment of an instalment plan 6% of the remaining principal. Federal Excise Duty of up to 16% applies to fees, as per the law in force.
How to apply for the HBL Platinum CreditCard?
You can start the request online on the HBL website through the “Apply Now” form on the product page, or visit any HBL branch. The bank verifies your CNIC and income documents, checks your credit history and, if approved, sends the card to your address. Activation and PIN generation are done in HBL Mobile or through HBL PhoneBanking at 111-111-425.
If you have your CNIC and your last salary slip at hand, press the button to go to the official HBL page and begin.
Kredua is not a bank, a lender or a financial institution and does not issue cards or loans. We review products offered in Pakistan so that you can decide with better information; every application is made directly with the bank, which alone assesses and approves it.
