A Review of HBL Platinum Credit Card

HBL offers multiple credit cards to cater the needs of its wide-ranging customers covering from the students to the executives, from household customers to the high-end stream of the corporate world. HBL Platinum credit card is the highly privileged card specially designed for the executives of the corporate world, high-end users of credit cards, business men and other top-notch dignitaries.

The reason why HBL Platinum credit card is for high-end customers because of a range of benefits associated with the upper class, high subscription fee, and usage of credit card intensity. The more you use your HBL Platinum credit card the more benefits it will provide to its holder. Another reason this Platinum credit card is attached with the high-end users is due to its usage intensity. Normally, people from business and corporate class make excessive use of credit cards. They make every payment and every shopping on credit cards. This will give benefit to them in the form of point which they in the long run or after sometime redeemed in the form of discounts on various products and items.

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Let’s review all these things of HBL Platinum credit card in detail to have a fair idea of advantages for its customers:

Advantages of HBL Platinum Credit Card

HBL platinum credit card has multiple advantages in wide ranging domains. Which includes rewards, discounts, supplementary cards, and access to airport lounges. Let’s discuss them in detail.

1. Rewards

HBL reward program is more fulfilling then any other credit card as it is offering wide range of benefits under the umbrella of the reward program. It makes the shopping for their customers more delightful as they earn the reward point on every spending of 25 Rupee on retail transaction from your HBL platinum credit card. While these reward points multiply five times on spending the foreign currency. The reward program provides you opportunity to avail amazing discounts on multiple items. Further, win points on shopping and other items which includes: digital appliances, timeless precision-smart watches, signature excellence-cufflinks and pens on multiple brands which includes Apple, S.T. Dupnot, Montblanc and others. You can redeem your points by choosing a gift of your choice from the booklet and HBL will deliver at your door step.

2. Travel Comfort

 It is also providing comfort in your travelling. You can enjoy free access to airport lounges regardless of class and ticket to worldwide with your HBL Platinum credit card. Further, it also compliments your travel with free snacks and drinks, newspapers and magazines, Wi-Fi and mobile charging facility and lastly availability of conference rooms and entertainment facilities.

Additional Reading: A Guide to Choose the Best Credit Card in Pakistan

3. SMS Alert Notifications

To keep their customers informed regarding their activities and transactions they send you SMS alerts and E-statement alerts directly to your mobile no and email address registered with the HBL. This will help the customer to avoid any suspicious transaction and he/she can keep the record of the transaction. Besides this it is also a good tool to keep an eye on your spending pattern.

Drawback of HBL Platinum Credit Card

No matter how good a card’s perk are, not everyone is going to enjoy those perks because there are certain business men and other top-notch officials who doesn’t travel frequently or have time to go to shopping. For them this kind of card is not useful, they are better off with the other options available in the credit cards

For more information: HBL Credit Card

Fees and Charges

The following chart will give you an idea about the fees and charges of the HBL Platinum credit card.

There are few service charges as well on whom the Federal Excise duty is not applicable, those rates under the realm of HBL Platinum Credit card are as:

Reference: HBL Schedule of Platinum Card Charges

*These rates may subject to change as per the banks policy, it is advisable that you cross check with the bank’s as well.

Additional Reading: 3 Tips for Selecting a Credit Card in Pakistan

Conclusion  

In a nutshell, HBL platinum credit card is offering wide range of services to its customers of high profile. But as mentioned in the disadvantages there are certain back off’s as well irrespective of the customer being in the high cadre of income group. Log in to Mawazna.com to know about different credit cards. You can even compare different banks credit cards to choose the best for yourself and your family.