Credit Cards & Insurance · Money
HBL credit card fees from the July–December 2026 schedule: Green, Gold, Platinum and FuelSaver annual fees, 42% markup, 4% foreign charge and salary rules.
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HBL lists four credit cards: Green, Gold, Platinum and FuelSaver. As of its July to December 2026 schedule, annual fees are Rs 6,500, Rs 14,000 and Rs 22,000 before FED, and FuelSaver costs Rs 350 or Rs 700 a month. Unpaid balances and cash advances carry up to 42% a year, foreign transactions 4%. Salaried applicants need at least Rs 35,000, Rs 100,000 or Rs 400,000 a month. Platinum adds 6 free international lounge visits a year.
An HBL credit card comes in four types: Green, Gold, Platinum and FuelSaver. As of HBL’s July to December 2026 schedule, the annual fee is Rs 6,500 for Green, Rs 14,000 for Gold and Rs 22,000 for Platinum, before tax. FuelSaver charges Rs 350 or Rs 700 a month instead. Whichever you pick, an unpaid balance costs up to 42% a year, so the right card depends mostly on your income and whether you pay in full.
Cost of carrying a balance on any HBL card
Up to 42% a year
Service charge on the outstanding amount and on cash advances, from HBL's Schedule of Bank Charges, 1 July to 31 December 2026. Balance transfers and installment plans are 24% a year.
The table puts HBL’s four cards side by side. Fees are from the Schedule of Bank Charges for 1 July to 31 December 2026, and salary rules from HBL’s credit card page as of 15 October 2026.
| Green | Gold | Platinum | FuelSaver | |
|---|---|---|---|---|
| Card fee (basic) | Rs 6,500 a year | Rs 14,000 a year | Rs 22,000 a year | Rs 350 a month (Green) or Rs 700 a month (Gold) |
| Supplementary card | Rs 3,250 a year | Rs 7,000 a year | Rs 11,000 a year | Rs 175 or Rs 350 a month |
| Minimum salary (salaried) | Rs 35,000 a month | Rs 100,000 a month | Rs 400,000 a month | Not listed separately |
| Average balance (self-employed) | Rs 105,000 | Rs 300,000 | Rs 1,000,000 | Not listed separately |
| Cash withdrawal cap | 50% of limit | 75% of limit | 75% of limit | Not stated |
| Main perk | None listed | CIP lounges in Pakistan | 6 free international lounge visits a year, 3x points abroad | Up to 5% cashback on fuel (5% is the Gold rate; HBL’s Green example uses 3%) |
These amounts exclude tax. HBL’s Gold and Green fee sheet says up to 16% Federal Excise Duty (FED) applies to fees and charges, but not to service charges (markup). So expect to pay a little more than the table shows for the annual fee.
None is best for everyone. On HBL’s own published terms, the choice comes down to three things:
If you’ll often carry a balance, the perks matter less than the markup, which is the same maximum of 42% a year on every card. Compare HBL with other banks in our credit cards compared guide.
As of 1 July 2026, the Platinum annual fee is Rs 22,000 and each supplementary card is Rs 11,000, both before FED. HBL Prestige members who apply for Platinum get a 50% waiver on the annual fee, the supplementary fee and the card replacement fee.
To qualify, a salaried applicant needs a monthly salary of at least Rs 400,000 and must be 21 to 60 years old. A self-employed applicant needs an average account balance of Rs 1,000,000 and must be 21 to 65.
What you get, according to HBL’s Platinum page:
FuelSaver has no annual fee. Instead, HBL’s schedule lists Rs 350 a month for FuelSaver Green (Rs 4,200 a year) and Rs 700 a month for FuelSaver Gold (Rs 8,400 a year), before FED, as of 1 July 2026.
HBL advertises “up to 5%” cashback on fuel, saving up to Rs 2,000 a month. The 5% is the Gold rate: HBL’s own example for Green uses 3%. In HBL’s examples, Rs 40,000 of fuel a month on Gold earns Rs 2,000 back, and Rs 33,300 a month on Green earns Rs 1,000. The cashback works only on FuelSaver cards, and you’re enrolled automatically.
HBL charges 4% of the transaction amount on foreign transactions, as of 1 July 2026. Government taxes or duties are added on top, under the schedule of charges.
HBL explains how the conversion works. Visa, Mastercard or UnionPay converts the amount into US dollars, then HBL converts the dollars into rupees at the rate it buys dollars at. Because of this, the amount on your statement can differ from the receipt or the OTP screen.
Online merchants that settle in foreign currency count as foreign transactions even when the price is shown in rupees. So a rupee price on a foreign site doesn’t mean you avoid the 4% fee.
As of 1 July 2026, HBL’s service charges (its word for markup) are:
| Charge | Rate or fee |
|---|---|
| Unpaid balance on purchases | Up to 42% a year |
| Cash advance | 42% a year on the outstanding cash |
| Balance Transfer Facility (BTF) | 24% a year |
| HBL Installment Plan (HIP) | 24% a year |
| Late payment fee | Rs 2,500 a month |
You avoid the markup on purchases by paying the full amount by the due date. HBL gives up to 51 days interest-free on purchases this way. The minimum payment is 5% of the outstanding balance. If you pay only the minimum or part of what you owe, HBL’s FAQs say interest runs from the transaction date, and on new purchases until the next statement.
HBL doesn’t publish an APR (annualised percentage rate) on its card pages. SBP has required banks since 1 September 2014 to give you a signed Summary Box with the APR, fees, limits and minimum payment before issuing a card. When you apply, HBL has you sign a Basic Information and Charges Sheet listing its main fees and the rules on minimum payments and interest. Read it before you sign.
A cash advance costs Rs 1,200 or 3% of the amount, whichever is higher, as of 1 July 2026. The 42% a year service charge starts from the day you withdraw, with no interest-free period.
You can withdraw at 1LINK ATMs in Pakistan and Visa, Plus or Mastercard ATMs abroad. The cap is 50% of your credit limit on Green and 75% on Gold and Platinum. HBL’s example: with a Rs 300,000 limit on a card with a 75% cap, you can take out Rs 225,000.
Our calculation: on Rs 20,000 withdrawn, 3% is Rs 600, so you’d pay the Rs 1,200 minimum. The 3% only starts to bite above Rs 40,000.
HBL doesn’t publish a fixed limit for each card type. It sets your limit case by case and shows it on the welcome letter and on each statement. You can ask for a higher limit in HBL Mobile.
Up to 6 supplementary cards share the main cardholder’s limit. Supplementary cardholders must be 18 or older and need only a copy of their CNIC.
For what banks check in general, including your credit record, see how to apply for a credit card.
Two kinds of tax can apply. FED of up to 16% is added to fees such as the annual fee, but not to markup. On foreign transactions, HBL adds government taxes or duties as set out in its schedule. The main one is advance income tax under section 236Y of the Income Tax Ordinance: as of FBR’s withholding tax rate card updated for the Finance Act 2026, banks collect 0.5% of card payments abroad if you are on FBR’s Active Taxpayer List (ATL) and 1% if you are not. For how filer status affects tax in general, see filer vs non-filer.
You can download an advance tax certificate for your card in HBL Mobile.
HBL lists no Islamic credit card on its credit card pages as of 15 October 2026. HBL Microfinance Bank, a separate bank from HBL, plans to issue Pakistan’s first PayPak credit cards, with conventional and Islamic versions. As of 29 September 2026, Arab News reported no application date, and eligibility, limits and charges hadn’t been announced.
Other HBL card charges, as of 1 July 2026: card replacement Rs 1,200, installment plan processing Rs 1,200 per plan, balance transfer processing Rs 600 or 3% (whichever is higher), and early payoff of an installment plan 6% of the remaining principal. SMS alerts and the rewards programme are free.
More guides: credit cards compared, best bank in Pakistan, travel insurance, Money.
It depends on your income and spending. Green costs Rs 6,500 a year and needs a Rs 35,000 salary, Gold costs Rs 14,000 and adds CIP lounges in Pakistan, and Platinum costs Rs 22,000, needs Rs 400,000 and adds 6 free international lounge visits a year. FuelSaver suits people who spend a lot on fuel. Fees are from the July to December 2026 schedule, before FED.
As of 1 July 2026, HBL charges up to 42% a year on unpaid balances and 42% a year on cash advances. Balance transfers and installment plans are 24% a year. Purchases paid in full by the due date are interest-free for up to 51 days.
HBL charges 4% of the transaction amount, plus government taxes or duties, as of 1 July 2026. Online merchants that settle in foreign currency count as foreign even if the price is in rupees, and card spending in foreign currency is capped at US$30,000 a year across the industry.
A cash advance costs Rs 1,200 or 3% of the amount, whichever is higher, plus 42% a year service charges from the day you withdraw, as of 1 July 2026. You can withdraw up to 50% of your limit on Green and 75% on Gold and Platinum.
Call HBL PhoneBanking on 111-111-425 or visit a branch. Some existing customers can apply in the HBL Mobile app without paperwork. Salaried applicants need a CNIC copy and salary proof.
Photo by Emil Kalibradov on Unsplash
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