Pakistan bank guide · Commercial Banking
HBL Banking in Pakistan
HBL offers personal banking, savings accounts, current accounts, debit cards, credit cards, digital banking, and payment solutions for individuals and businesses across Pakistan.
- Accounts
- Savings, Current, Premium
- Cards
- Debit & Credit Cards
- Best for
- General personal and business banking
Last updated: January 15, 2026
Savings and current accounts
Tiered savings accounts for deposits; current accounts for frequent salary or business transactions with branch and digital access.
Credit cards
HBL Gold is a popular fuel-cashback card—compare annual fees and cashback caps against your monthly fuel spend before applying.
Digital banking
Bill pay, transfers, Raast, and card controls are available through HBL mobile and Konnect channels.
HBL accounts on GeniiDeals Money
All accounts
HBL Savings Account
- · Competitive profit rates
- · Nationwide ATM access
- · HBL Konnect & mobile banking
HBL credit cards
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HBL Gold Credit Card
Rs. 3,000 cashback + 5,000 reward points
Annual fee: Rs. 8,000
Help center
HBL FAQs
Quick answers about finding deals, using coupon codes, and saving money in Pakistan.
What is HBL Konnect?
Konnect is HBL's mobile wallet and digital payments platform for transfers, bill payments, and everyday transactions linked to HBL accounts.
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