How to Increase Your Credit Card Limit in Pakistan: HBL and UBL Steps
HBL takes limit increase requests on 111-111-425. UBL uses a request form that asks you to declare other loans. Steps, risks and what banks do not publish.
To raise your credit card limit in Pakistan, you ask your own bank. At HBL you call PhoneBanking on 111-111-425. At UBL you fill in the bank's limit enhancement request form and send it with the documents the bank asks for. Neither bank promises a new limit, because the bank decides.
We read both banks' own pages on 7 October 2026. Most banks do not publish the income or record they need for a higher limit, and we say where we could not find a rule. Nothing below is a promise of approval.
HBL takes a limit increase request by phone
HBL's credit card FAQ says you can call HBL PhoneBanking on 111-111-425 and place a request for a credit limit increase. The page gives no income test and no list of documents. The same FAQ says you can also lower your limit over the phone.
That is all HBL publishes. If the agent asks for papers, such as a recent salary slip or bank statement, ask what they need and where to send them. Write down the date, the agent's name and the reference number.
UBL asks you to declare every other loan and card
UBL publishes a one-page Credit Card Limit Enhancement Request Form. You ask for your limit to be raised "to the maximum as allowed by the bank's policy", attach the documents the bank requires, and list your credit cards and loans at other banks.
The form we read asks you to declare the following, as on the date of your request:
| What you declare on UBL's form | Detail asked for |
|---|---|
| Your current UBL limit | Rs amount and your name, CNIC |
| Other credit cards, unsecured and secured | Bank name and approved limit |
| Personal loans, unsecured and secured | Bank, approved limit, amount still owed |
| Other facilities | Bank, limit, secured or not, amount owed |
| Applications in process elsewhere | Bank and facility |
The form's own words are that the bank "requirement" for documents applies. The form does not list them. We could not find an official UBL page that lists the documents, so we do not state one. Ask the bank or check the form again before you send anything.
The declaration matters. Banks in Pakistan can see your wider borrowing, so be accurate. Our guide to the credit report banks check before they lend explains what a bank can see.
Five steps to ask for a higher credit card limit
Pay on time first, check your credit report, then ask through the bank's own channel. Keep proof of what you send. If the bank refuses, ask for the reason in writing and wait before asking again.
- Check your card statement. It shows your total limit, balance and available balance.
- Pay at least the minimum on time for several months before you ask.
- Collect your latest salary slip or business bank statement, and your CNIC.
- Ask through the bank's official channel: PhoneBanking for HBL, the published form for UBL.
- Keep the reference number and a copy of everything you sent.
Do not send documents to a number or email you found on social media. Use only the contact details on the bank's own site or on the back of your card.
A higher limit also raises your cash advance limit
Your cash advance limit is a share of your credit limit, so raising one raises the other. HBL's FAQ gives the shares: 50% of the limit on a Green card, and 75% on Gold and Platinum cards.
HBL's own example is simple. With a Rs 300,000 limit and a 75% cash share, you can withdraw cash up to Rs 225,000. Cash advances carry their own charges. In our comparison of credit card fees across eight banks, we found cash advance fees of Rs 1,200 or 3% listed at several banks.
A bigger limit is also a bigger risk. More room to spend means a larger bill if you carry a balance. The markup (interest) on credit cards in our comparison ran as high as 42% to 45% a year. Ask for the limit you can repay, not the largest one on offer.
If you are tempted to use the extra room for a big purchase, credit card instalment plans at nine banks may cost less than carrying the balance. Compare before you decide.
If the bank refuses or charges you without consent
A refusal is the bank's right. A charge you never agreed to is a different matter. State Bank guidelines say a bank should not levy a charge that is not in the user guide, application form or schedule of charges you were given, unless you agree.
That rule is in the State Bank press release on credit card operations, dated 17 January 2009, which we read on 5 October 2026. It also says disputes should be resolved within 45 days. For a wrong charge, follow the steps to dispute a credit card charge. If the bank does not answer your complaint, the Banking Mohtasib complaint route is the next step.
One honest limit. We could not find an official rule from the State Bank that tells a bank how often it must consider a limit request. So we do not promise a time frame.
Common questions
How do I increase my HBL credit card limit?
Call HBL PhoneBanking on 111-111-425 and place a request for a credit limit increase. HBL's FAQ gives that route and no other.
How do I increase my UBL credit card limit?
Fill in UBL's Credit Card Limit Enhancement Request Form, declare your other cards and loans, and send it with the documents the bank requires. The form does not list the documents.
What income do I need for a higher limit?
We could not find a published figure for limit increases at HBL or UBL. Banks decide case by case.
Will a limit increase hurt my credit score?
We found no bank statement either way. A new limit is a new exposure on your record, so ask only for what you need.
Can a bank raise my limit without asking me?
We found no State Bank rule on this in the document we read. Ask your bank in writing if you want a limit left unchanged, and check your statement each month.
Can I lower my credit card limit?
At HBL, yes, by phone, though it cannot go below the minimum limit of your card.
How we verified this
What we checked, where we read it, and what we could not confirm.
Last checked 7 October 2026. The HBL details come from the HBL credit card FAQ. The UBL details come from UBL's Credit Card Limit Enhancement Request Form on ubldigital.com. The charges rule and the 45-day dispute limit come from the State Bank of Pakistan's credit card guidelines press release of 17 January 2009. We did not apply for a limit increase ourselves, did not find limit increase pages for other banks, and did not test how long either bank takes. Nothing here is financial advice.
About the author
Senior Writer, Public Services and Technology
Shahid joined us in 2024 as an author. He is a senior contributor to Pakistan's leading technology websites. He writes detailed articles, mostly covering his expertise in the latest tech, mobiles, apps, gadgets, and step-by-step guides. His ideology is to help people understand the latest trends and explain complex methods through very easy-to-understand guides.
