HBL Classic

An entry HBL card with a low annual fee and a modest points earn rate.

classic credit

HBL Classic Visa

Visa Classic Conventional

PKR 2,000Annual fee

PKR 1,000Joining fee

PKR 35,000Minimum monthly income

PKR 1,000Supplementary card

Answer the questionnaire to estimate a rupee value for this card.

Apply now

You leave CardWorth and apply on the bank site. Last verified: 20 Jul 2026

Fees and eligibility

PKR 400,000Annual spend to waive the fee

3.5%FX charges

PKR 35,000Salaried minimum

PKR 60,000Self-employed minimum

Salaried or self-employed applicants, subject to the bank's own assessment.

Indicative only. The bank decides approval.

Type: points. Base rate: 1. Point or mile value: 0.25 PKR.

Category	Type	Rate	Min monthly	Yearly cap
dining	points	2	PKR 0	PKR 8,000
retail	points	1.5	PKR 0	PKR 6,000

Cashback rates are percentages. Points and miles are per PKR 100. Caps are yearly PKR estimates.

Dining. Higher points on dining in this sample.

Shopping. Retail points on local shopping.

No airport lounge access is published for this card.

Installments: published as available.

Cash advances, government payments, and balance transfers may be excluded from reward earning. Confirm the current exclusions with the bank.

Sample record for demonstration. Fees, rewards, and eligibility change. Verify the schedule of charges before applying.

You leave CardWorth and continue on the bank's website.

Final eligibility, pricing, fees, and approval are determined by HBL.