The banking sector of Pakistan has thrived in the last two decades. This is attributable to several factors such as economic growth and modernization of banking practices. Within the banking industry, consumer financing has exhibited handsome growth due to the reliance of consumers on debt financing when it comes to purchasing cars, availing credit lines, and investing in real estate. One such bank that has shown exceptional performance is HBL. It is offering several consumer products to Pakistanis with different features and discounts. One such product is the HBL Gold credit card which is a perfect combination of rewards, discounts, privileges, gifts, and special features.
All banks in Pakistan are offering credit cards with different features such as credit limits, discounts, rewards, and gifts. The HBL gold credit card among all them is an outstanding credit facility.
Some of the basic features of the HBL Gold credit card are explained below.
This implies that if you repay your outstanding amount within 51 days from the date of expense you will not be charged any interest.
BTF facility allows you to transfer the outstanding of any other bank to your HBL bank, which you can then convert to easy installments and repay your loan comfortably.
Easy installment plans are available on the purchase of many products. You can avail of an easy installment plan of up to a tenor of 4 years to make your installment easy to repay.
A monthly mark-up rate of 3.25 % is charged on transactions if you go beyond 51 days.
You can avail cash advance facility up to 50 % of your available credit limit at an annual mark-up rate of 39 %.
You are required to make a minimum monthly payment of 5 % of your outstanding amount.
The fee on foreign transactions is 3 % of the transaction amount.
The HBL Gold credit card limit is Rs.500, 000.
Annual fee of Rs.6000, reversible subject to spending 25,000 within 60 days of credit statement.
With the HBL Gold credit card, you can avail of discounts on numerous insurance plans of prestigious insurance companies for yourself and your family.
CIP lounge facilities allow you to enjoy VIP services such as snacks, Beverages, Internet, magazines, at the six major airports of Pakistan.
HBL Gold credit card offers a long list of benefits to its holder. These include a fast-moving reward point plan which you can redeem for many gifts and discounts. The list of restaurants that provide you discounts on HBL Gold credit cards is a very long one and includes famous names such as Pizza Hut, Fujiyama, Marco Polo, Cafe Aylanto, Howdy, and many more.
The card also offers you discounts in pharmacies, hospitals, and laboratories. These include Aga Khan laboratories, SKMH, Chughtai Labs, Accu Lab, Rahman and Rahman, and others. The CIP lounge facility allows you to enjoy VIP services in airports in the six major cities of the country. You can enjoy comfortable sitting while you wait for your flight, avail services like free internet and media, enjoy snacks and beverages for free.
Apply online today for your HBL gold credit card and avail outclass benefits, discounts, and rewards. If you are an HBL account holder, you can also use HBL’s mobile app to apply for HBL’s gold credit card.
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