Key Fact Sheet

Effective from July 01, 2018 to Dec 31, 2018

HBL CreditCard – Basic Information & Charges Sheet (Summary Box)

Welcome to the world of possibilities. Experience freedom, flexibility and round-the-clock convenience with HBL CreditCard. Whether it’s
shopping, dining or traveling, HBL CreditCard makes everything more rewarding. Accepted at millions of merchants worldwide, HBL CreditCard
is packed with amazing benefits, exclusive offers and exciting rewards.

a) Basic Charges

Annualised Percentage Rate (APR) 38% to 39% (Fixed)

APR will be applicable in case of no or minimum or partial payment, from the transaction date, until paid in full.

Interest Rate Introductory Monthly Annual

Service Charges (Retail Transactions) Not Applicable Maximum 3.250% Maximum 39% per annum
Service Charges (Cash Advance) Not Applicable Maximum 3.250% Maximum 39% per annum
Service Charges (Balance Transfer Facility) Not Applicable 2.000% 24.0%
Service Charges (HBL Installment Plan) Not Applicable 2.000% 24.0%

Basic Charges HBL Visa / Master Card HBL FuelSaverCard

(FED applicable as per Law) Green Card Gold Card Platinum Card Green Card Gold Card
Joining Fee There is no Joining Fee or Card Issuance Fee for HBL CreditCard
Annual/Monthly Fee* PKR 3,000 (Annual) PKR 6,000 (Annual) PKR10,000 (Annual) PKR 250 (Monthly) PKR 500 (Monthly)
Supplementary Annual Fee PKR 1,500 (Annual) PKR 3,000 (Annual) PKR 5,000 (Annual) PKR 125 (Monthly) PKR 250 (Monthly)

*Annual/Monthly Fee will be levied within 45/30 days, respectively, from issuance of card, irrespective of card activation.
Call HBL PhoneBanking at 111-111-425 to avail Annual Fee reversal on spend** of PKR 10,000 on Green Card, PKR 25,000 on Gold Card and
PKR 50,000 on Platinum Card, within 60 days of statement generation date in which Annual Fee is levied.
Note – Annual Fee waiver is not applicable for HBL FuelSaverCard.
For existing HBL Customers, Direct Debit Instructions (for either minimum or full payment option) is mandatory to avail spend-based Annual
Fee waiver. For New to Bank (NTB) Customers, condition of Direct Debit Instructions is not valid.

BTF Processing Charges PKR 500 or 3% of transferred amount, whichever is higher

HBL Installment Plan (HIP) Processing Fee PKR 600
Late Payment Fee PKR 1,250
Card Replacement Fee PKR 600
Cash Advance Issuance Fee PKR 750 or 3% of amount withdrawn, whichever is higher
Return Cheque Charges PKR 1,000
Direct Debit Rejection Fee PKR 750
Utility Bill Payment Fee Nil
Duplicate Statement Fee Nil
Foreign Transaction Charges 3% of transaction amount
SMS Alerts Fee PKR 100 per month
Cash Payment Charges No charges for cash payment at any HBL Branch counter
Cancellation Charges No cancellation charges
Renewal Charges No Renewal Charges. Only Annual Fee applicable, as mentioned above

Other charges stated in HBLCreditCard Schedule of Charges (SOC) will be provided to you with your HBL CreditCard upon approval of your
application. Changes, if any, will be communicated via Schedule of Charges (credit card section only) that will be sent to you, along with Credit
Card Welcome Pack and/or Statement. You may also visit our website www.hbl.com for updated Schedule of Charges.
**HBL offers Fee Waivers, Discounts, Promotional Offers and Incentives that are discretionary and card members are not entitled to claim the
same as a matter of their right. HBL is entitled at any time without any liability to card members in any manner whatsoever to terminate or
withdraw or change the criteria and conditions for these Fee Waivers, Discounts, Promotional Offers and Incentives.
b) Other Information
Minimum 21 days and maximum 51 days
Interest Free Period Note: In case of minimum or partial payment, there will be NO interest free period.
No interest would be charged on new purchases (Retail Transactions) if the payment is made in full within the due
date for each billing cycle and no balance is carried forward from the previous months. Otherwise, the period over
which interest is charged will be as mentioned below:
Interest Charging
Service Charges (Retail Transactions) From transaction date Until paid in full
Service Charges (Cash Advance) From transaction date Until paid in full
Service Charges (Balance Transfer Facility) From transaction date Until paid in full
All payment received by the Bank from the card member or supplementary card member may be applied in and
towards payments of unpaid fees, cash advances, charges, liabilities, HIP and other costs and expenses in previous
or current Statements of Account in the following order of priority or otherwise as the Bank may deem fit:
a) all outstanding Service Charges and other Fees shown on any previous Statement of Account;
Payment Allocation b) all outstanding amounts of the Card Transactions shown on any previous Statement of Account;
c) all outstanding amounts of the Card Transactions shown on the current Statement of Account; and
d) all outstanding amounts of the Card Transactions not yet shown on the current Statement of Account.
All payments and credits shall, unless otherwise decided by the Bank, be applied by the Bank first to the
outstanding amount that has been billed to the card account for the longest period of time.
5% of outstanding balance or PKR 500 whichever is higher.
The Minimum Payment may also include all Fee(s), Service Charges, Installments, Overdue Amount if any.
Minimum Payment Minimum Payment received by Customer will first adjust the Service Charges, Bank Fee(s), Installments and the
remaining payment will settle the principle outstanding.
- Green Card: Minimum PKR 20,000 & Maximum PKR 149,999; Cash Advance Limit: 50% of Total Limit
Limit(s) - Gold Card: Minimum PKR 150,000 & Maximum PKR 499,000; Cash Advance Limit: 75% of Total Limit
- Platinum Card: Minimum PKR 500,000 & Maximum PKR 2,000,000; Cash Advance Limit: 75% of Total Limit
Expiry 2 years from the date of card issuance (for both new & renewal)

c) Insurance
Following Insurance Plans are offered on HBL CreditCard. For details/premium and/or enrollment of insurance facilities upon receipt of your
HBL CreditCard, please call our 24-hour Phone Banking Service at 111-111-HBL (425). Bank’s role in these products will be of a
Distributor/Corporate Agent. Bank will debit the Premium Amount from your credit card on behalf of the insurance company. All
documentation and/or claims etc. will be handled directly by the insurance company.
S. No. Plan Name S. No. Plan Name S. No. Plan Name
1 Credit Shelter 3 Total Assurance Plan 5 Secure Wallet Plan
2 Income Continuation Plan 4 Triple Health 6 Family Protection Plan
d) Product Category
The selection of product category given in the application form i.e. Green or Gold or Platinum is taken as a preference. However, the same is
subject to the credit limit assigned at the time of approval; and may be changed accordingly.

e) Direct Debit Facility

Direct debit facility is mandatory for existing HBL Account Holders; however, selection of “Minimum Payment” or “Full Payment” is completely
your choice.
f) Customer Contact Point
Please feel free to call our 24-hour Phone Banking Service at 111-111-HBL (425) for any complaint/query.

g) Islamic Banking Customers

Customers having an Islamic Banking Account in HBL have declared that they clearly understand that the HBL CreditCard is a conventional product
and also declare that the Islamic Banking Account can be debited for (Minimum/Partial/Full) Payments of HBL CreditCard which is a conventional
product.

h) Information Update
For existing HBL Account Holders, the information given in the Credit Card Application Form may be updated in the Bank records associated with
the HBL Deposit Account Number mentioned for Direct Debit Instructions in the Credit Card Application Form, upon approval of the Credit Card
Facility.
For existing HBL Credit Cardholders, the information given in the new Credit Card Application form may be updated in the Bank records
associated with the existing HBL CreditCard, upon approval of the new Credit Card Facility.
The Bank reserves the right to standardise and maintain one set of Customer addresses under each category of residence, mailing and office
addresses across all delivery channels. Similarly if a request for change of address is received from the Customer the same will be updated for
all delivery channels that are being availed. The Bank will not be liable for wrong delivery, in case the Customer fails to notify/provide the Bank
with the updated/change of address.

Key Fact Sheet of HBL CreditCard is self-explicit and all efforts have been made to keep it simple and free of any ambiguity. However,
if required, further clarification can be sought by referring queries to HBL Branches or HBL PhoneBanking at 111-111-425.

Bank Charges are in accordance with the Schedule of Bank Charges, as amended from time to time.
Key Fact Sheet
2018 31 2018