Starting from 15th December 2016, HBL CreditCard is protected by Verified by Visa (VBV) and MasterCard SecureCode using 3D Secure platform for internet based transactions. 3D Secure is a latest technology supported by Visa and MasterCard, designed to ensure safe internet based transactions through authentication of each transaction by the cardholder so that you use your card with more confidence. With this service, when you use your HBL CreditCard on websites that have incorporated the “Verified by Visa” or “MasterCard SecureCode” sign, you will receive a One-Time Password (OTP) either by SMS or email as you desire to complete your transaction.

Benefits of 3D Secure

Enhanced Protection

Get enhanced protection when shopping on 3D Secure enabled websites as authorization of payment requires secondary verification via SMS and/or email.
International Acceptance

Make online purchases from many international websites that prefer 3D Secure enabled cards.

Enjoy hassle-free online shopping. With the introduction of 3D Secure, your HBL CreditCard is automatically enabled for internet-based transactions.

Courtesy : HBL (


Amin Lalani is a subject matter specialist in Internet Retailer with several articles and research paper published so far. He has done M.Phil from IoBM in Marketing with emphasis on Internet Retailing. Besides academia he has various other certification like SAP, Google Analytic, Microsoft Small Business Solution Provider and more.

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