WELCOME GUIDE
Your Guide to a World of Possibilities
Introduction
3
What is an HBL WorldDebitCard?
5
Your New HBL WorldDebitCard
8
Features and Benefits
11
Card Activation Process
You are Now Ready
Worldwide VIP Airport Lounges
Fraudulent Transaction Protection
Travel Assistance
Covered Purchases
Extended Warranty
Trip Inconvenience Insurance
Accident and Health Coverage
Dining and Retail Discounts
Cash Withdrawal and Shopping Limit
Cash Back Facility
Online Shopping and E-commerce
Funds Transfer Facility
Mobile Payments and Top-ups
Utility Bill Payments
HBL CreditCard Bill Payments
Smart Technology
24/7 Access to HBL PhoneBanking
Free SMS Alerts
Statement Generation
Lost / Stolen Cash
FAQs
27
Important Information
33
Terms & Conditions
37
Introduction
Designed in exquisite taste that reflects the precision and excellence of
the magnificent Fibonacci sequence, with the HBL WorldDebitCard, you’re open to
a world of possibilities with easy access to your HBL account wherever you go,
whenever you need it.
With the international power of MasterCard, HBL WorldDebitCard offers you truly
secure and convenient payment solutions and privileges.
HBL WorldDebitCard is accepted at over 35,000 merchants in Pakistan and over 30
million merchants worldwide for your daily purchases and retail indulgence. It has
access to over 6,000 ATMs nationwide and 1.4 million ATMs worldwide. Your HBL
WorldDebitCard enables you to go beyond cash withdrawals; enjoy the
advantages of making fund transfers, mobile and utility bill payments and stay up
to date with your transactions with easy generation of mini statements.
With HBL WorldDebitCard, you have access to the most luxurious VIP lounges across
the globe, where you can rest and entertain yourself as you embark on new and
exciting journeys. You can also enjoy special privileges and discounts when you visit
your favourite stores and restaurants in various corners of the globe. No matter
where you are, experience peace of mind because our exclusive insurance plans
cover everything from fraudulent transactions to missed flights, and any other
misfortunes you may experience when travelling.
3
What is an HBL WorldDebitCard?
The HBL WorldDebitCard is a state-of-the-art electronic payment facility that
gives you 24 hours access to your bank account.
The card offers you the convenience of making transactions without the burden
of carrying cash or cheques. Enjoy all the benefits of your HBL WorldDebitCard for
ultimate comfort.
With a microchip embedded within the HBL WorldDebitCard your valuable
information is always encrypted and guarded to generate dynamic value for each
transaction. This makes it even harder to copy or counterfeit the card and provides
you greater security and peace of mind. The chip card also has a magnetic strip on
the back of the card in case the chip is not readable.
5
F
H
E
I
K
A
B
D
J
C
A–Card number: This is your HBL
WorldDebitCard account number.
B–Validity period: Your card is valid from
the day you have received it up to the last
day of the month/year indicated on the
card.
C –Card holder name: Please ensure that
your name has been correctly printed on
the card. In case of discrepancy, call
6
G
HBL PhoneBanking at 111-111-425.
D–MasterCard symbol: Your card is
backed by the international network of
MasterCard. All merchant outlets and
ATMs displaying this logo will accept your
card worldwide.
E –Chip: This chip contains important data
about your card.
F–24 hours customer service: You can
call HBL PhoneBanking at 111-111-425 for
any queries or information regarding
your HBL WorldDebitCard.
G–1-Link symbol: Your card is accepted
at all ATMs displaying 1-Link logo in
Pakistan.
H–Magnetic strip: Important information
pertaining to your card is encoded here.
I–Signature panel: Your signature on the
charge slips at merchant outlets should be
the same as your signature on the card.
J–Cirrus symbol: Your card is accepted at
all ATMs displaying the Cirrus symbol
internationally.
K–Mastercard Hologram: The global
hologram is three dimensional with a repeat
“MasterCard” printed in the background.
7
Your New HBL WorldDebitCard
Card Activation
You will receive your HBL WorldDebitCard
activation code via SMS on your
registered mobile number, your card will
be personally delivered to you at your
desired address.
Visit the nearest HBL ATM with your
HBL WorldDebitCard and enter your
activation code to get you through
the steps shown below. Your
HBL WorldDebitCard will be successfully
activated after the completion of these
steps.
You are Now Ready
Congratulations!
You have successfully completed all the
steps and activated your card. You are
now ready to make your first transaction,
and experience the colourful and exciting
world of HBL WorldDebitCard. You can
now use your card to access ATMs,
restaurants, shops, e-commerce and
stores all over the globe, and experience
added comfort and benefits of being an
HBL WorldDebitCard holder.
After making sure that your name is
correctly printed, please sign on the
signature panel at the back of your card.
Important Note:
In case you have not received the activation code,
please call HBL PhoneBanking at 111-111-425 to
request for a regeneration of the activation code.
8
9
Features and Benefits
Worldwide VIP Airport Lounges
Luxury and comfort is waiting for you at every step, wherever you are in the world.
Enjoy instant ease and comfort as your HBL WorldDebitCard gives you access to
over 500 VIP Airport Lounges across the world and Pakistan, covering each and
every continent. These lounges boast the most sought after experiences and
features such as a la carte and buffet dining, family rooms, business centres,
entertainment areas, spacious shower facilities, and secluded workstations with
Wi-Fi connectivity.
Fraudulent Transaction Protection
In the event that your HBL WorldDebitCard gets lost or stolen, you will be
compensated for all unauthorised transactions that are made, up to 24 hours
prior to your first reporting of the incident.
Furthermore, if your HBL WorldDebitCard is still in your possession and transactions
have been made on your account, you will be reimbursed for every fraudulent
transaction that took place up to 2 months before the first reporting of the
incident. This insurance applies to all transactions made through in-store, online
and telephone purchases, as well as ATM withdrawals.
11
Travel Assistance
When you are away from home, you can always count on HBL WorldDebitCard
to provide constant and world class assistance at any given moment. The Travel
Assistance Department is your one stop solution for all the essential and desired
services that you could need when you are travelling. Whether you are a first time
visitor in a new city, or a frequent guest, our benefits are designed to give you the
comfort and security you are seeking.
The HBL WorldDebitCard Travel Assistance Department covers all your
necessities, ranging from accident coverage to lost identity documents. Most of
all, we don’t just provide financial coverage, but also provide assistance, advice and
support in dealing with local bodies, entities and institutions. No matter which
corner of the globe you are visiting, your HBL WorldDebitCard is there to make
your trip enjoyable, safe and hassle-free in every way imaginable.
Covered Purchases
Whenever you travel, you can shop with ease as your insured HBL WorldDebitCard
provides coverage for your purchased items. In the event of accidental damage or
theft, HBL WorldDebitCard will cover your loss if the incident occurs within 90
days of the purchase, which shall be indicated by the store receipt. This insurance
covers a variety of purchases, including gifts, items bought online, as well as
unregistered purchases.
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13
Golf Experience
As a WorldDebitCard holder, the most exclusive golf courses around the world will
entertain you as their valuable guest. Enjoy playing your favourite sport on
breathtaking landscapes and enjoy first class treatment till the very end of your stay.
Extended Warranty
Enjoy extended warranty on all eligible purchases with your HBL WorldDebitCard.
When your manufacturer’s warranty expires, our extended warranty duplicates the
term of the original warranty up to one full year. If your new purchases
get damaged or do not operate satisfactorily, you can always count on
HBL WorldDebitCard to cover repairs and replacements. This insurance applies to
a variety of purchases, including gifts, items bought online, as well as unregistered
purchases.
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Coverage
Maximum Benefit Amount (USD)
Fraudulent Charges Card Lost
Per Aggregate: 4,000
Per Occurance: 2,000
Purchase Protection
Per Aggregate: 20,000
Per Occurance: 3,000
Extended Warranty
Per Aggregate: 2,000
Per Occurance: 500
15
Trip Inconvenience Insurance
You can find comfort in the fact that your travelling and accommodation expenses
are covered and insured. As long as your purchases were made in advance, you no
longer have to worry about cancelled, delayed or missed flights, as well as lost, or
delayed luggage. Our goal is to make sure that your journey is a tranquil one, free
from any kind of stress.
Trip Inconvenience Protection
Maximum Benefit Amount (USD)
Trip Cancellation
Up to USD 7,500
Trip Curtailment
Up to USD 7,500
Trip Delay
For delays in excess of 6 hours, up to
USD 100 per hour up to 9 hours maximum
Missed Connection
Up to USD 650
Luggage Protection
16
Common Carrier Lost Baggage
Up to USD 3,000 excess of a USD 75
deductable and subject to a single item max
limit of USD 625
Common Carrier Baggage Delay
For delays in excess of 12 hours, up to
USD 450
17
Accident and Health Coverage
Maximum Benefit Amount (USD)
No matter where in the world you find yourself, you can remain safe and protected
from accidents and mishaps with HBL WorldDebitCard. From the minute you have
your card in your hands, travel with a new air of security and confidence.
1. Travel Accident & Insured Journey
Travel Accident Common
Carrier - International Trips
Up to USD 1,000,000
1. Travel Accident & Insured Journey
Travel Accident Common
Carrier - Domestic Trips
Up to USD 100,000
Travel Accident Insured
Journey - International Trips
Up to USD 150,000
Travel Accident Insured
Journey - Domestic Trips
Up to USD 75,000
Protect yourself from the uncertainties of life with HBL WorldDebitCard. When
you are away from home, and are embarking on new and exciting journeys, keep
yourself and your family safe from unexpected accidents. Unfortunate incidents
can happen at any time, anywhere, but with HBL WorldDebitCard you can stay safe
every step of the way.
2. Travel Medical Benefits
HBL WorldDebitCard secures you and your family in the event of any kind of
medical emergency when travelling. From basic healthcare to urgent medical
assistance, HBL WorldDebitCard covers it all. With our comprehensive travel
medical benefits plan, your health is in good hands.
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Accident and Health Coverage
2. Travel Medical Benefits:
Medical Expenses
(Injury or Sickness)
Up to USD 1,000,000
Emergency Medical Evaluation
/Return of Mortal Remains
Up to USD 2,000,000
Daily In-Hospital Cash
Benefit
Up to USD 100 per Day
19
Dining and Retail Discounts
With the HBL WorldDebitCard, you can now enjoy shopping and dining to a
whole new level. HBL WorldDebitCard offers exclusive deals and discounts at
a variety of shops, restaurants, stores and cafes. To learn more about the
latest promotions, visit www.hbl.com.
Cash Withdrawal and Shopping Limit
You can use your HBL WorldDebitCard to shop at your favourite stores, and
withdraw cash from ATMs anywhere in the world. When withdrawing cash
from an ATM using y ou r HBL WorldDebitCard, the maximum amount
that can be withdrawn is PKR 250,000/day. When shopping, whether online
or at the point of purchase, the combined limit is PKR 500,000/day.
Cash Back Facility
Enjoy receiving 1% cash back on local transactions and 2% on international
transaction, when using your HBL WorldDebitCard.
21
Online Shopping and E-commerce
Enjoy the luxury and comfort of shopping online with your HBL WorldDebitCard.
You can now purchase your desired items from any of your favourite e-commerce
stores worldwide. Not only is online shopping convenient and rewarding, but with
HBL WorldDebitCard’s enhanced security and superior features, your money and
identity are protected.
Funds Transfer Facility
Your HBL WorldDebitCard enables you to transfer funds up to Rs. 250,000/day
easily from your account by visiting the nearest HBL ATM or through HBL
InternetBanking. Our Inter Bank Funds Transfer (IBFT) facility allows you to
transfer funds instantly to any HBL account or to accounts maintained with 1-Link
member banks.
Mobile Payments and Top-ups
With the HBL WorldDebitCard, you can pay your mobile bills and top-up mobile
credit anytime from an HBL ATM or through HBL InternetBanking effortlessly if
you are a Warid, Ufone, Telenor, Mobilink, Zong or PTCL user.
23
Utility Bill Payments
Smart Technology
Use your HBL WorldDebitCard at any
HBL ATM or through HBL InternetBanking
to immediately and conveniently pay your
utility bills. The amount is directly debited
from your respective account.
We protect you with a chip that is
virtually impossible to counterfeit despite
containing important data about you and
your card.
- KESC
- LESCO - IESCO - MEPCO
- FESCO - GEPCO - PESCO - HESCO
- QESCO - LWASA - SSGC - SNGPL
- PTCL
HBL CreditCard Bill Payments
Use your HBL WorldDebitCard at any
HBL ATM or through HBL InternetBanking
to make your HBL CreditCard monthly
payments.
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24/7 Access to
HBL PhoneBanking
As an HBL WorldDebitCard holder, enroll
yourself for HBL PhoneBanking by
generating a TPIN after calling our phone
banking service at 111-111-425. Enjoy
hassle free services including:
-
Activation Code Regeneration
Debit Card Replacement
Debit Card Blocking
Complaint Lodging
Account Service Enquiry
25
Free SMS Alerts
We ensure that you are always aware of your retail transactions by sending instant
SMS alerts on your mobile phone on every retail transaction made by your
HBL WorldDebitCard.
Statement Generation
Remain aware of your account balance with a brief transaction history/mini
statement generated at any HBL ATM. Sign up for HBL InternetBanking or request
for detailed statements from your HBL branch.
No Liability on a Lost/Stolen Card
In case your card is lost or stolen, immediately report it by calling
HBL PhoneBanking at 111-111-425; we will protect your card against fraudulent
transactions from the time you notify us. If travelling abroad, call on
MasterCard’s global helpline at 001-636-722-7111.
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FAQs
1. How do I change my ATM PIN?
To change your ATM PIN, visit an HBL
ATM, enter your current PIN, select
“More Options” and go to “Change
PIN.”
2. What should I do if my ATM PIN is
not working?
Contact HBL PhoneBanking at
111-111-425 or visit an HBL Branch.
3. What should I do in case my details
change?
You can submit a written request or an
Additional Request Form to your
own/parent branch mentioning clearly
the change in your details.
4. How can I use my card at a Point of
Sale (POS)
Present your HBL WorldDebitCard to
the merchant for your purchases. The
merchant will then swipe your card on
the electronic Point of Sale (POS) terminal.
When you receive the charge slip,
check the amount, and then proceed to
sign it. Don’t forget to take your card
back from the merchant. Don’t forget
to take the copy of your transaction
slip before leaving the outlet.
5. How can I shop online?
Enjoy the luxury and comfort of
shopping online with your
HBL WorldDebitCard. Follow the
simple steps listed below to begin your
online shopping experience.
• Call HBL PhoneBanking from
an HBL registered mobile/phone
number
and
request
for
e-commerce activation on your
HBL WorldDebitCard
• The Phone Banking Officer will ask
a few security questions before the
activation of this service
29
• For session activation, specify
the time period for which you want
to use your card on the internet; the
maximum amount you wish to spend
and the number of transactions you
would like to perform during the
session
• Once your card is activated for
online
shopping/e-commerce,
perform any type of internet
transaction using your HBL
WorldDebitCard for the duration,
amount and frequency you have
chosen
• Your card will become inactive
for internet transactions as soon
as the session time / amount /
frequency ends
• While shopping online, please
look for secure transaction symbols
to ensure your account information is
protected. These include a lock in the
lower right-hand corner of your
browser window and a web address
that begins with "https"
30
• Always log off from any site after
you make a purchase, if you cannot
log off close the browser to prevent
unauthorised access to your account
information
6. Why does my transaction get
declined when I pay for my purchases
using HBL WorldDebitCard?
Your
HBL
WorldDebitCard
transaction gets declined due to
insufficient funds in your personal
account
linked
to
your
HBL WorldDebitCard.
7. Can my HBL WorldDebitCard be
used at shops/ATMs abroad?
HBL WorldDebitCard is internationally
accepted at retail outlets where
MasterCard is accepted. It is also
acceptable at all ATMs abroad that
carry the MasterCard logo or Cirrus
symbol. You can view your account
details and withdraw cash with the
same ATM PIN that is used in your
home country.
8. How do I use my HBL
WorldDebitCard during international
or domestic travel with ease?
To use your HBL WorldDebitCard with
ease during travel, please give a travel
notice on HBL PhoneBanking at
111-111-425 or get your TPIN.
9. What services are offered at
HBL ATMs?
HBL ATMs can be used for cash
withdrawals, HBL WorldDebitCard
activation, balance inquiry,
m i n i statement generation, utility
bill payments, credit card payments,
mobile bill payments, interbank and
intrabank funds transfer.
11. If I suspect that information on
my HBL WorldDebitCard has been
compromised or has been used to make
fraudulent purchases, what should I do?
Any fraudulent or disputed
transaction
on
your
HBL
WorldDebitCard should be reported to
HBL PhoneBanking at 111-111-425. The
bank will scrutinise the transaction and
update you on the same.
12. What should I do if I suspect
m y HBL WorldDebitCard has been
tampered with?
You need to immediately notify
HBL PhoneBanking at 111-111-425.
10. What should I do in the event of
my card being lost or stolen?
13. Are chip based HBL
WorldDebitCards safer to use than
magnetic strip cards?
You should immediately call HBL
PhoneBanking at 111-111-425 or go to
your nearest HBL branch where branch
staff will assist you. Upon your request,
your card will be blocked and you will
be issued a replacement card.
HBL WorldDebitCard provides a higher
level of security when used at a
chip-reading terminal, because the
technology in the chip makes it
difficult for the card to be copied or
counterfeited.
31
14. How can I link my additional account
to my HBL WorldDebitCard?
You can link your additional account
with HBL WorldDebitCard by calling
HBL PhoneBanking at 111-111-425 or
visit your HBL parent branch and fill an
Additional Request Form.
15. How can I apply for card
replacement?
You can apply for card replacement by
visiting your home branch or calling
HBL PhoneBanking at 111-111-425.
16. What is the insurance claim process?
The insurance claim process is
designed to be simple and easy. Call
HBL PhoneBanking on 111-111-425
immediately and you will be guided by
our Phone Banking Officer.
time on 111-111-425 to lodge a
complaint. You will be provided with
a complaint number accordingly. The
Bank shall ensure that complaints are
responded to by mail or phone within
10 business days. Meanwhile, we
assure you that your complaint will be
resolved, no later than 45 business days.
18. What are the Card and ATM charges?
HBL WorldDebitCard
Charges
Card Issuance Fees
Nil
Annual Fee
PKR 5,000/-
Card Replacement Fee
PKR 1,000/-
In order to lodge a written complaint,
write to us on the following address:
Supplementary Card Fees
Not Allowed
ATM Local Cash Withdrawal (HBL ATM)
Nil
Complaint Resolution Unit
HBL PhoneBanking
F-14, 1st Floor, Khayaban-e-Saadi,
Block-V, Clifton, Karachi.
ATM Local Cash Withdrawal (non-HBL ATM)
PKR 13/-
M-Net ATMs Balance Inquiry
PKR 5/-
International ATM Cash Withdrawal
4% of transaction or PKR 400,
whichever is higher
International ATM Balance Inquiry
PKR 500/-
POS Purchase Local
Nil
POS Purchase International
4% of transaction amount
SMS Alert (POS Transaction)
Nil
17. What do I do if I want to lodge a
complaint?
You may call HBL PhoneBanking any
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33
Important Information
• To avoid misuse, immediately sign the back of your HBL WorldDebitCard on the
signature panel with a non-erasable ballpoint pen
• In case of loss, theft, damage or suspicion of fraudulent use of your
HBL WorldDebitCard, immediately call HBL PhoneBanking at 111-111-425
• When you get a new HBL WorldDebitCard, destroy your old card by cutting
it through the magnetic strip and the chip into two pieces to avoid misuse
• Your HBL WorldDebitCard is for your personal use. Make sure you do not give
your HBL WorldDebitCard to anyone (including HBL staff) in any situation, e.g.
for a limit increase, renewal or cancellation etc.
• To protect the magnetic strip on the back of the HBL WorldDebitCard, avoid
bending and exposing the card to electronic devices, gadgets or direct sunlight
• Upon receipt of your ATM PIN, memorise it for future use and do not disclose it
to anyone, including HBL staff. For safety purposes, do not keep your ATM
PIN and HBL WorldDebitCard together
35
• In case you forget your ATM PIN, contact your branch or HBL PhoneBanking for
issuance of a new ATM PIN
• For purchase transactions, HBL WorldDebitCard can only be used at merchant
outlets with an electronic Point of Sale terminal. (Do not use your card with paper
imprinters or for mail / telephone order transactions)
• Before signing the transaction slip, ensure that all purchase details are correct and
complete. Retain these slips for your record
• For safety purposes, ATMs are designed to seize the card and cash if you do not
remove them within 20 seconds. Therefore, please respond to the beep promptly
• If an HBL ATM seizes your HBL WorldDebitCard, contact your own branch for its
retrieval. If your card is seized by any other bank’s ATM, it will be delivered to your
own HBL branch within 3 working days.
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37
HBL WorldDebitCard Terms and Conditions
The following terms and conditions shall
apply to HBL WorldDebitCard issued
by Habib Bank Limited ("Bank").
HBL WorldDebitCard may be used at
Automated Teller Machines ("ATMs") of
the Bank, ATMs of all other banks in
Pakistan and ATMs abroad (overseas)
which carry the *Payment network logo.
HBL WorldDebitCard may also be used as a
debit card for direct debit transactions to
Linked Account(s) carried out through POS
terminals at Payment network merchants in
Pakistan & abroad and for transactions
carried out utilising the Easy Access Online
Banking Service.
1. Eligibility
Account holders to whom HBL
WorldDebitCard is issued shall hereinafter
be referred to as "Cardholders" and an
Account linked for use to the HBL
WorldDebitCard shall hereinafter be
referred to as "Linked Account".
1
1.1
The following Account holders shall
be eligible for applying and using
HBL WorldDebitCard:
1.1.1 Current (Individual) and/or PLS
Savings Account holders; and
1.1.2 Current (Joint) and / or PLS Savings
Account holders (where the Account
is operated on the signature of any
one of the Account holders).
1.1.3 Joint Accounts which are operated
on the signature of any one of the
multiple discretion, issue more than
one HBL WorldDebitCard against the
Joint Account for one or more of the
Joint Account holders upon their
written request (as applicable). Each
Joint Account holder / Supplementary
Cardholder (to whom an HBL
WorldDebitCard is issued) shall be
deemed to be duly authorised by the
other Joint Account holder(s) to have
39
such card issued in his or her favour.
The terms and conditions herein shall
be jointly and severally binding on all
Joint Account holders and as the
context requires. Moreover, terms
herein denoting the singular shall
include the plural and vice-versa.
1.1.4 Basic Cardholders can also request for
issuance of Supplementary HBL
WorldDebitCard on their Account(s)
in favour of those immediate family
members only who are Pakistani
nationals possessing a CNIC, who
may or may not be Account holder(s).
The Basic Cardholder(s) will be liable
for all transactions processed by the
use of any HBL WorldDebitCard
/ HBL SupplementaryCard issued.
2. Photo Accounts
2.1
40
HBL WorldDebitCard to Photo
Account holder will be issued only for
cash withdrawal and balance inquiry.
It can be used locally on HBL / 1-Link/
M-Net ATMs.
2.2
Other facilities on debit card will not
be available to Photo Account holders.
3. Restrictions in the usage
of HBL WorldDebitCard
3.1
3.2
The HBL WorldDebitCard is not
transferable and shall be used
exclusively by the Cardholder only. It
is the Cardholder’s responsibility to
ensure its safe and secure possession
at all times.
HBL WorldDebitCard is to be used in
the manner specified hereunder:
3.2.1 As an ATM card on the ATMs of
the Bank, all the ATMs of all other
banks in Pakistan and ATMs which
carry the Payment network logo in
other countries.
3.2.2 As a debit card for the payment of
goods and services at Point of Sale
(POS) terminals at any designated
retail / service outlet(s) of merchant(s)
approved by the Bank from time to
time ("Merchant Locations") in
Pakistan and those displaying the
Payment network logo in foreign
countries.
3.2.3 You can use your HBL
WorldDebitCard to make online
purchases. To enable the service, you
will be required to contact HBL
PhoneBanking, the service will be time
bound and enabled only on a time
period accepted by the Customer. The
service shall be enabled after proper
verification and at the sole risk of the
customer. Please note that HBL will
not under any circumstances be held
responsible for any unauthorised use
of the service or potential
malfunctions during execution of
payment transaction.
3.2.4 For transfer of funds between Linked
Accounts (including payment of
utility bills through ATMs) and to third
party bank customers.
3.2.5 For additional Services that the Bank
may offer from time to time
related to the HBL WorldDebitCard.
3.2.6 The Bank reserves the right to change
the existing limit of Debit Card after
informing the Customer.
3.2.7 If desired, the Customer may call HBL
PhoneBanking or visit a branch for an
increase or decrease in existing limit
of his/her HBL WorldDebitCard.
However, while requesting an
increase in limit, the Customer must
bear in mind that more funds will be
available to be used via ATMs, at
Point of Sale or for purchase through
the internet; in case of any loss due to
unauthorised use of Debit Card, the
Bank will not be held responsible.
3.3
The Basic Cardholder can have the
above mentioned ATM facilities
blocked on the Supplementary Card
in which case the Supplementary Card
will only be used as a Debit Card.
41
3.4
3.5
4.1
42
The Cardholder shall use the PIN for
ATM transactions. For debit card
transactions at POS installed at
Merchant Locations, the Cardholder
will be required to sign the Receipt of
Charge (“ROC”) printed by the POS
or use the PIN if the POS prompts for
the same. The Cardholder undertakes
not to pass on the HBL
WorldDebitCard or disclose the PIN
to any other person and shall take
every precaution to prevent disclosure
of the PIN to any other person / third
party.
While HBL WorldDebitCard holders
will be allowed to withdraw cash from
ATMs in foreign countries displaying
the Payment network logo and also
utilise the card for payments to
merchants, the Bank may at its
discretion disallow this facility if
circumstances arise which in its
opinion prohibit it from doing so.
4. PIN
HBL WorldDebitCard, along with the
slip containing the Personal
Identification Number (“PIN") shall be
issued to the Cardholder at his / her
sole risk and responsibility. The PIN is
a confidential number issued by the
Bank and may bechanged by the
HBL will not be held responsible for
any misuse of the activation code
received through SMS or for the ATM
PIN generation by any unauthorised
person in case of any loss or
concealment of information of
Customer. Customer is bound to keep
the activation code in safe custody.
HBL WorldDebitCard will be
delivered at Customer’s registered
corresponding address upon showing
the original CNIC of the Customer by
the Customer or any blood relation
residing on registered address or, it
may be delivered at HBL’s respective
branch. HBL will not be responsible
for any misuse and misplacement
of
activation
code
or
HBL WorldDebitCard under any
circumstances.
Cardholder subsequently at his / her
own risk.
HBL WorldDebitCard must not be
used for any unlawful purposes
including the purchase of goods or
services prohibited by the law in
Pakistan or in any foreign country
where it is being used.
4.2
Customers will receive a one-time
activation code through SMS on their
registered mobile number for HBL
WorldDebitCard activation and ATM
PIN generation. After inserting the
HBL WorldDebitCard in HBL’s ATM,
the activation code is required to be
entered along with the Customer’s
credentials in order to verify
Customer’s identity.
5. Loss of Card / Disclosure
of PIN
5.1
accept full responsibility for the
transactions involving the use and /or
misuse of the HBL WorldDebitCard
and / or the PIN whether or not made
with his / her knowledge or authority
and he / she accepts the Bank’s record
of transactions as binding for all
purposes in relation to the same.
5.2
The HBL WorldDebitCard holder will
be solely responsible for any
inconvenience, damage and / or losses
incurred as a result of the loss, theft,
misuse or unauthorised use of the HBL
WorldDebitCard and / or the PIN and
the Bank shall stand absolved from
any liability in any such event. The
HBL WorldDebitCard holder further
undertakes to immediately inform the
Bank on the telephone number /
address mentioned on the back of the
HBL WorldDebitCard in the event of
loss or theft of the card and / or of
unauthorised disclosure of the PIN
to a third party.
The Cardholder further undertakes to
43
The Cardholder shall not be liable for
any transactions on the HBL
WorldDebitCard after receipt of the
aforementioned intimation by the
Bank.
5.3
5.4
44
6. Exemption, Exclusion
6.1
The Bank is authorised to block
the HBL WorldWorldDebitCard
transactions or any Services linked
with the HBL WorldDebitCard at any
time, without prior notice to the
Cardholder and without assigning any
reasons in respect thereof. The
Cardholder will be intimated
subsequent to such blockage
and / or suspension of the
HBL WorldDebitCard.
If the Cardholder loses his / her HBL
WorldDebitCard overseas, he / she
may either follow the above
procedure or call the Payment
network helpline to report the loss. In
case the Cardholder uses the Global
Customer Assistance Service Payment
network, then the charges for the same
shall be borne by the Cardholder.
6.2
The HBL WorldDebitCard holder shall
under no circumstances have a claim
to any compensation from the
Bank if the HBL WorldDebitCard
transactions are not carried out due
to any technical malfunctions and / or
operations failures and / or due to the
built-in safety features of the HBL
WorldDebitCard and ATMs or for any
other reason whatsoever. The Bank is
absolved from liabilities for all losses
and / or damages suffered by the
Cardholder for not being able to use
the HBL WorldDebitCard and denial
of debit card transactions.
The Bank shall not in any way be liable
to the HBL WorldDebitCard holder for
any inconvenience, loss and / or
damage suffered as a result of the
Bank being prevented from or delays
in providing any banking or other
Services to the HBL WorldDebitCard
holder due to any reason whatsoever
including mechanical failure or failure
of power supplies or equipment,
for the claimed amount after
verifying such claim with the
respective bank whose ATM was used.
strikes, an act of war or causes beyond
the Bank's control.
6.3
6.4
The Bank shall not be responsible
for any inconvenience, loss,
damage
or
embarrassment
suffered by the Cardholder due
to malfunctioning or non-operation
of other bank's ATMs in Pakistan or
abroad. The Bank shall also not be
responsible to the Cardholder if the
HBL WorldDebitCard is not honoured
/ accepted or if cash has not been
disbursed although the Linked
Account has been debited or if cash is
disbursed short for any reason
whatsoever or if the HBL
WorldDebitCard is retained by the
ATMs.
In the event that a Cardholder's
Account is debited and cash is not
disbursed or disbursed short when the
HBL WorldDebitCard is used at
another bank's ATMs, the Cardholder
will submit a claim for the respective
transaction / amount with the Bank.
The Bank will only reverse the entry
6.5
The Bank shall not be liable to the
Cardholder in the event of any
inconvenience, loss and / or damage
suffered by the Cardholder resulting
from the refusal of the card by the
Merchant Location, other banks or
ATMs in connection with any debit
card transaction or the retention of
the HBL WorldDebitCard by an ATM
both in Pakistan or abroad.
6.6
At the request, sole risk and
responsibility of Debit Card holder /
Customer, the Bank may activate
e-commerce service after due
verification and satisfaction of the
Bank for online purchase by the
Customer for a specific time period
and amount without taking any
responsibility on its part with respect
to quality or non-supply of goods.
45
7. Right of Set-off
7.1
7.2
46
In the event that another bank's ATM
dispenses cash but the relevant
Cardholder's Linked Account is not
debited for the same, the Bank is
irrevocably authorised to debit the
relevant Linked Account for such
withdrawal along with applicable Bank
Charges and mark-up at the rate
prescribed by the Bank, regardless of
whether the Cardholder is informed
or has authorised the same. The
applicable Bank Charges will be in
accordance with the Bank's Schedule
of Charges in force at the time. In case
the Cardholder's Linked Account(s)
does not have sufficient funds for any
reason, the Bank will have the right to
set-off any credit balance / proceeds
of instruments or other items of the
Cardholder available with the Bank.
The Cardholder accepts that he / she
will be responsible to immediately
adjust any Temporary Running
Finance (Overdraft) that may be
created in his/her Account along with
mark-up at the rate prescribed by the
Bank, due to the execution of any
ATM/POS transactions, whether
created with or without the prior
approval of the Bank. The Cardholder
further accepts that in case of
non-adjustment of the said overdraft
along with the accrued mark-up.
8.3
8. Fees
8.1
8.2
The Cardholder agrees to accept that
a fee (as determined by the Bank) will
be charged on all transactions
performed on other bank's ATMs in
Pakistan, transactions performed at
Merchant Locations and Payment
network ATMs overseas.
The Bank is duly authorised to levy a
fee on issuance / renewal /
replacement
of
the
HBL
WorldDebitCard and to levy an annual
fee for each card, as per the Bank’s
current Schedule of Charges in force
at the time.
The Bank, at its sole discretion,
reserves the right to levy and / or
increase charges / fees for Services
provided through the use of HBL
WorldDebitCard. Such charges will be
determined by the Bank and will be
applied as stated in the Bank’s
Schedule of Charges in force at the
time and the Cardholder irrevocably
authorises the Bank to debit his / her
Account for the same. The Bank is
entitled to debit such charges from
any other Account of the Cardholder
in case the Linked Account pertaining
to the HBL WorldDebitCard has
insufficient funds.
card transactions, all Services
available on the HBL WorldDebitCard
will remain suspended until such time
that the HBL WorldDebitCard holder
clears all related charges and gives a
request in writing for reactivation of
the same.
9.2
The Cardholder hereby allows the
Bank to debit the Linked Account(s)
of the HBL WorldDebitCard with the
Rupee equivalent plus its charges on
the day of settlement in respect of all
foreign currency transactions carried
out abroad whether through Payment
network ATMs or merchants. The
exchange rate between the foreign
currency and the Rupee will be the
Bank's ruling rate on the date the
transaction is received and processed
in Pakistan. The rate used will be final
and not open to any questioning
whatsoever by the Cardholder.
9.3
The Cardholder accepts full
responsibility for the correctness of
payment instructions given on the
ATMs and irrevocably authorises the
9. Payment
9.1
In case there is insufficient balance in
the Linked Account(s) for carrying out
any debit card or ATM transactions,
the same shall be denied to the
Cardholder. In the event that there are
also insufficient funds for debit of
outstanding charges owed to the Bank
by the Cardholder in respect of the
47
9.4
Bank to act upon any payment
instruction received through
an ATM.
or carried out through the ATM once
that instruction or transaction has
been processed.
The HBL WorldDebitCard holder
understands that the HBL
WorldDebitCard is for electronic use
only and charge / sales slip is printed
electronically through Point of Sale
terminal at the merchant outlet /
ATM. The Cardholder shall check /
verify the amounts and other contents
of the charge /sales slip and sign the
same slip. He / she shall handover the
merchant copy to the merchant and
retain the customer copy thereof for
record. The Cardholder shall check /
verify the amounts and other content
of the charge / sales slip.
10.2 The Bank may in its absolute
discretion and without incurring any
liability whether by virtue of the terms
and conditions or otherwise under
intimation to the Customer refuse to
implement any instructions.
10. Disclaimer and Limitation
of Liability
10.1 The Cardholder acknowledges that he
/ she will not be able to countermand
any instruction or transaction given
48
10.3 The Bank will not be responsible for
levying late payment charges to the
Account of the Cardholder in case
utility bill payment instructions are
received on the due date of bill after
business hours on working days. The
Cardholder agrees, understands and
confirms that the Bank shall not be
held liable on account of any
discrepancy / error or delay or on any
account whatsoever in effecting
payment instructions in respect of
utility bills or other transactions
carried out by the Cardholder using
the HBL WorldDebitCard at an ATM.
10.4 The Cardholder will be liable for all
losses or costs incurred by the Bank
as a result of any breach by the
Cardholder of the terms and
conditions contained herein and shall
reimburse to the Bank all such costs
on the Bank’s demands.
10.5 If the Customer or the Bank may, for
any reason whatsoever, terminate this
agreement at any time upon prior
written notice, liabilities incurred by
the Customer shall, however, survive
the termination of the agreement.
11. Card Cancellations
11.1 In the event that a Cardholder decides
to discontinue use of the HBL
WorldDebitCard, the card shall be
returned to the Bank. Notwithstanding
this, the card issued to a Cardholder
shall remain at all times, the sole
property of the Bank and shall be
surrendered on demand to the Bank
as per the Bank's request. The Bank at
its sole discretion reserves
the right, at any time to cancel or
withdraw the HBL WorldDebitCard or
refuse to reissue, renew or replace the
card under intimation to the
Customer.
11.2 In the event of death of the
Cardholder, transactions related to
such HBL WorldDebitCard shall
continue to be debited to the
Cardholder's Linked Account and / or
other Accounts till such time that the
Bank is informed in writing about the
death of the Cardholder. Upon
receiving such notice, the Bank will
block any fresh transactions carried
out with the card from the date of
receipt of the notice. All transactions
authorised through the card and / or
PIN before receipt of notice of death
49
of the Cardholder by the Bank, shall
be debited to the Cardholder's Linked
Account and / or other Accounts
accordingly.
12. Dispute Handling
12.1 If a Merchant Location makes a refund
for a card transaction, the Bank will
credit the Linked Account when it
receives the Merchant Location’s
proper instructions and the funds in
respect of such refund. The Bank will
not be responsible for any delay in
receiving such instructions and
refunds.
12.2 All disputes relating to a Merchant
Location shall be resolved exclusively
between the relevant Merchant
Location and the Cardholder.
50
13. Statements
13.1 The Cardholder can have access to
mini statements for balance enquiry
pertaining to his / her Linked Account
through ATMs. In the event that the
Account balance is incorrectly
reflected in such statement, it is the
responsibility of the Cardholder to
notify the Bank of the same within 45
days from the date of issuance of the
relevant statement.
13.1.1 Debit card Customers can request for
Account statement(s) and Charges
will apply as per Bank’s Schedule of
Charges.
13.1.2 The Bank may, in future decide to
email Account statement to the
Cardholder on their email address or
send SMS alerts regarding certain
transactions on the card or Account.
The Bank reserves the right to decide
on the mode of dispatch of card/
Account statements as it deems fit,
after duly informing the Cardholder.
13.1.2A Cardholder should inform the Bank
of any mistake, discrepancy and / or
error appearing in his / her Account
statement within 45 days from the
date of the relevant statement of
Account or else the statement will be
deemed to be in order.
13.1.3 The Bank shall endeavour that debit
and credit entries are correctly
recorded in all Account statements.
However, in case of any error, the
Bank shall be within its rights to rectify
the error unilaterally without notice
to the Cardholder and recover any
amount wrongly paid and credited,
together with any accrued interest or
profit. The Bank shall not be liable for
any loss or damage suffered due to
such errors and subsequent reversals
by the Bank.
14. SMS Alerts on POS
Transactions
14.1 On receipt of Customer consent for
the SMS alerts facility, the Customer
shall pay the Bank fees and Charges
for the SMS alerts facility. In this
connection, the Bank is hereby,
authorised by the Customer to debit
any of the Customer’s Account(s)
maintained with the Bank.
14.2 In case of non-payment of Bank
Charges or due to any other reason,
the Bank at its discretion may without
prior notice withdraw temporarily or
terminate the SMS alerts facility either
wholly or in part at any time.
14.3 The Customer acknowledges that the
SMS alerts facility is dependent on the
telecommunications infrastructure,
connectivity and services within
Pakistan. The Customer accepts that
timeliness of alerts sent by the Bank
will depend on factors affecting the
telecommunications industry. Neither
51
the Bank nor its service
providers shall be liable for
non-delivery or delayed delivery of
alerts, error, loss, distortion in
transmission of and wrongful
transmission of alerts to the Customer.
15. Severance
15.1 These terms and conditions shall be
read in accordance with the general
terms and conditions governing
Accounts of the Cardholder held with
the Bank, as amended from time to
time at the Bank’s discretion and the
general policies of the Bank in force
from time to time and such amended
terms and policies shall be binding on
the Cardholder.
15.2 For transactions in Account(s)
maintained by HBL IslamicBanking,
all terms and conditions will be
governed by and shall be construed in
accordance with the Shariah principles.
The Customer undertakes and allows
the Bank that barring applicable Bank
52
Charges, any additional payment/
mark-up be carried to and dispensed
in the charity Account maintained by
the Bank.
cash back amount offered will be
credited in the active bank account of
the HBL WorldDebitCard holder in the
subsequent month.
15.3 The Cardholder may use the HBL
WorldDebitCard to obtain the aforementioned Services and such other
Services as the Bank may provide from
time to time in relation to the HBL
WorldDebitCard.
16.2 The Bank reserves the right to
terminate promotion schemes
announced by HBL on the usage of
Debit Cards by its customers at any
time without prior notice to
customers; in such a situation
customers will have no right to claim
any compensation.
All such Services will be subject to
these terms and conditions and
amendments made there in from time
to time.
16. Cash Back
16.1 Bank may offer cash back on
transactions conducted on POS to its
HBL WorldDebitCard holders at its
own discretion. HBL reserves the right
to modify or suspend any such offer
or any of the terms applicable to such
offer without assigning any reasons
or without any prior intimation. The
17. HBL WorldDebitCard for
Photo Account Holder
17.1 HBL WorldDebitCard to Photo
Account holders will be issued only
for cash withdrawal and balance
inquiry and can be used on
HBL/1-Link/M-Net ATMs only.
HBL WorldDebitCard to Photo
Account holder will not be acceptable
on POS and will be applicable only in
Pakistan.
18. Complaints
18.1 In case of any complaints, the HBL
WorldDebitCard holder may call HBL
PhoneBanking at 111-111-425 or write
to: Complaint Resolution Unit,
HBL PhoneBanking, F-14,1st Floor,
Khayaban-e-Saadi, Block-5, Clifton,
Karachi.
General Terms & Conditions
for HBL PhoneBanking
Mandate, authorisation and indemnity
for accepting all verbal and electronic
instructions:
I (“Customer”), having provided my
particulars overleaf, hereby request
you, Habib Bank Limited (“Bank”) to
accept and act upon all telephonic and
keystroke based electronic instructions
(“Instructions”) issued by the
Customer or any other person
53
1.
54
That the Bank is irrevocably authorised
and instructed to accept all
Instructions received by the Bank via
voice Instructions or the telephone or
keystrokes on the IVR, mobile and
Internet banking and may rely
conclusively on the authenticity of and
due authorisation for any such
Instructions and regard the same as
emanating from me, the Customer,
where the issuer of such Instructions
correctly provides such information for
identification purposes as is contained
in the subscription form attached here
to, as may be requested by the Bank,
including but not limited to:
agrees:
a) Not to keep his / her PIN / password
in a form that can be easily identified
as a PIN / password.
a) The Customer’s Computerised
National Identity Card Number
(CNIC).
purporting to be me (upon due
authorisation by the Bank) using my
security details, including PIN
/password, for availing any or all of
the banking services (“Services”) that
the Bank may, at its discretion, offer
from time to time. In consideration of
the Bank, at its absolute discretion,
agreeing to accept such instructions,
I the Customer hereby irrevocably
agree and undertake as follows:
b) The Personal Identification Number
(PIN) or password, as the case
requires, issued by the Bank to the
Customer for being able to verify the
identity of the Customer and for the
Customer to validly issue Instructions
for availing any Service over any of the
electronic channels.
2.
3.
The Bank shall be, at its own
discretion, at absolute liberty to refuse
or accept or give effect to any
Instructions given verbally, if in the
sole opinion of the Bank, the
authenticity of such Instructions is
doubtful or the Bank is otherwise
unable to give effect to the
Instructions for any reason
whatsoever.
The Customer accepts full
responsibility for keeping the security
information, furnished in the
subscription form secure and further
b) Not to voluntarily disclose his / her
PIN / password to any other person.
content, information availability,
accuracy safety or reliability of
telephone or keystrokes on the IVR,
mobile and Internet banking.
6.
Information that is transmitted over
the telephone or via other networks
(cable, wireless, Internet or otherwise)
may be subject to interception. While
the Bank takes all reasonable
precautions to ensure that IVR, mobile
and Internet banking is secure, the
Bank cannot be liable for any loss or
damage the Customer suffers as a
result of using these electronic
channels for conducting any banking
Services and transactions.
7.
The Bank shall not be held responsible
if the IVR, mobile and Internet
banking remains unavailable from
time to time due to routine
maintenance or emergency repairs or
because of the unavailability of any
electricity, telecommunication system
or network.
8.
The Bank will not be liable for any loss
c) Not to negligently or recklessly
disclose his / her PIN / password.
d) To notify the Bank, immediately, if
the Customer’s PIN / password has
been lost or has become known to
someone else.
4.
5.
Kindly note that the Bank has the sole
discretion to levy fees / charges for
any of the various Services offered by
the Bank and mentioned in its
Schedule of Charges.
No warranties of any kind, whether
expressed or implied, are made in
respect of telephone or keystrokes on
the IVR, mobile and Internet banking,
including in respect of the
performance, quality, security,
55
or damage to the Customer due to
any transaction not being carried out
or being carried out incorrectly when
caused directly or indirectly by failure
of
equipment,
electronics,
communication or similar mechanical
failures or by misrouting information,
industrial dispute or other causes
beyond the Bank’s control.
9.
10.
56
The Instructions given in the terms of
this mandate shall at all times be
legally binding and enforceable against
the Customer. The Customer waives
all rights and remedies to challenge or
dispute any Instructions executed by
the Bank in compliance with the terms
of this mandate.
The Customer hereby permits and
authorises the Bank to use voice
recording and to record any IVR
keystrokes, mobile keystrokes and
website keystrokes along with all
verbal communications with the
Bank’s customer service officers to
constitute evidence of the Instructions
communicated by the Customer.
11.
12.
The Customer acknowledges and
accepts that he / she shall have no
claim against the Bank on account of
the Bank relying on this mandate and
any Instruction given in terms hereof,
and irrevocably agrees to indemnify
and keep the Bank safe and secured
against any and all direct or
consequential losses, cost, damages,
expenses, claims, litigation or
objections of any nature whatsoever
arising out of the Bank acting upon
this mandate.
The Bank may at any time terminate
this mandate by notice in writing to
the Customer, singly or generally,
without assigning any reason thereof.
The Customer may terminate this
mandate by written Instructions in
original only and such termination will
only become effective on the 7th
calendar day following the receipt of
such original written Instructions. Any
banking Services Instructions or
otherwise given by the Customer prior
to the final termination shall be
executed and continue to be held valid
Instructions are genuine and the
Customer will indemnify the Bank for
acting on such Instructions.
and irrevocable.
13.
14.
For Instructions pertaining to transfer
of funds out of any Account of
Customer, the Customer shall, in
advance of such Instructions, provide
the Bank with the Account number(s)
of his / her source Account(s), as
stipulated within the subscription
form. The Bank may also effect any
Instructions requiring it to transfer
funds to a Third Party Account as
conveyed from time to time via
electronic / telephonic shall not be
responsible for any loss sustained by
the customer against financial and
non-financial transactions made in
that even.
For utility bill payments, top-ups &
remote merchant payments, any
Instructions given to the Bank through
use of the Bank's alternate delivery
channels and by using his / her PIN
and user name / password / challenge
answers, will be deemed to be given
by the Customer and the Bank will be
entitled to assume that the referred
The Bank will be entitled to act on the
Customer’s Instructions without any
further written or other confirmation
from the Customer, even if it later
transpires that these Instructions have
not actually been given or authorised
by the Customer. The Customer
understands that the Bank is only
providing the Customer with the
facility (without obligation) of carrying
out the transactions in relation to his
/ her Account(s).
15.
The Customer acknowledges that the
issuing of verbal Instructions in
accordance with this mandate for
utilising any of the Services through
such verbal telephone Instructions
involves inherent risks, including but
not limited to risks associated with
fraud and unintended / erroneous
Instructions which the Bank cannot
eliminate. Customer’s use of the
customer contact centre or any of
57
the electronic banking Services
offered by the Bank implies that he /
she fully understands the limitations
and inherent risks of verbal and
keystrokes based Instructions for
carrying out financial transactions and
agrees to the condition of use in force
at the time. The Customer hereby
absolves the Bank of all responsibility
and accepts any risk associated with
the execution of Instructions in
accordance with this mandate.
16.
The Bank reserves the right to add or
alter any of the aforesaid terms and
conditions under intimation to the
Customer and the Customer agrees
to abide by the said changes.
17.
The Customer is responsible to keep
all personal & confidential information
including but not limited to email
addresses, login IDs and related
passwords and should not share it with
any other person to avoid its
unauthorised use. The Customer is
also responsible for the safe keeping
and security of his / her mobile phone
58
and mobile SIM that is registered with
the Bank in connection with the
services availed from the Bank.
In case the mobile phone or mobile
SIM is lost or snatched, the Customer
should immediately notify and instruct
the Bank to suspend the facility till
further instruction.
In case the Customer fails to protect
his / her personal & confidential
information, the Bank shall not be
responsible for any loss sustained by
the customer against financial and
non-financial transactions made in
that event.
18.
HBL WorldDebitCard to Photo
Account holders will be issued only
for cash withdrawal and balance
inquiry and can be used on HBL /
1-Link / M-Net ATMs only.
HBL WorldDebitCard to Photo
Account holder will not be acceptable
on POS and will be applicable only in
Pakistan.
59