3D Secure Service

HABIBMETRO is bringing more peace in your life by offering 3D Secure Services on Internet-Based / Online Transactions through your HABIBMETRO VISA Debit Card. All HABIBMETRO VISA Debit Cards (Platinum, Gold and Premium) are enabled with 3D Secure Service powered by VBV (Verified by Visa). Now use your HABIBMETRO Visa Debit Card on the internet with more confidence.

With this service, whenever you use your HABIBMETRO Visa Debit Card on any 3D Secure enabled website for internet / online transaction, a 6-Digits One-Time Password (OTP) will be sent to you via email &/or SMS on your registered email &/or mobile number with HABIBMETRO and you have to enter that OTP to complete your transaction.

Prerequisite for Performing 3d Secure Internet / Online Transaction:

  • Customer should hold & avail HABIBMETRO Visa Debit Card
  • Customer should have enrolled in SMS Alert Service and register his/her valid mobile number & email address with the Bank
  • Customer should have activated his/her Debit card for internet/online transactions by calling HABIBMETRO Call Centre at 111-1-(HABIB) 42242 or through HABIBMETRO Web Banking Services / Mobile App.


Extra Protection

  • You will have complete control on your online transactions while shopping on 3D secure enabled websites

Scam Protection

  • All internet-based / online transactions will be confirmed after entering confirmation code (OTP) received on your registered Mobile Number and Email address only

Global Acceptance

  • You will have access to websites globally that are enabled with 3D Secure Service Stress Free
  • Your HABIBMETRO Visa Debit Cards are automatically enabled with 3D Secure service


Step 1: Visit 3D Secure enabled website

Step 2: Place your order and enter your HABIBMETRO Visa Debit Card Details

Step 3: Click Proceed and 3D Secure enabled website will route the information to HABIBMETRO for verification

Step 4: A prompt Screen will appear and ask you to select SMS or email to receive One Time Password

Step 5: After receiving 6-digit OTP, enter your OTP and click on the submit button after agreeing on Terms & Conditions

Step 6: After submission, your 3D Secure payment will be processed

Note: You will only receive an OTP for internet-based transactions on 3D Secure enabled websites. For non-3D Secure enabled websites, you will not go through the OTP authentication process.


  • 3D Secure Service is a security layer for internet transactions powered by “Verified by Visa” (VBV). While using your HABIBMETRO VISA Debit Card for internet-based transactions, it provides you with an added protection from unauthorized internet-based transactions.

    This service is used to confirm the authenticity of internet transactions by sending a One-Time Password (OTP) to your registered mobile number or email address, which will be required before process any transaction.

  • First, activate your HABIBMETRO VISA Debit Card for internet/online transactions by calling HABIBMETRO Call Centre at 111-1-(HABIB) 42242 or through HABIBMETRO Web Banking Services / Mobile App, then go to the website you want to perform your internet transaction. While performing the transaction for online purchasing/payment, usually after checkout, you will be asked to enter your necessary card details (cardholder name, card number, card expiry date, CVV code etc.). After submitting the details, you will be requested to enter OTP that has been sent to your registered mobile number and/or email address. Upon submission of OTP, the transaction will be processed.

  • The 3D Secure service is available on all variants of HABIBMETRO VISA Debit Cards.

  • There is no need for separate registration to avail 3D Secure Service. All you need to do is to enrol in SMS Alert Service and register your valid mobile number & email address with HABIBMETRO, so you can receive the OTP required to perform the transaction.

  • You can visit your HABIBMETRO account-maintaining branch to update your email address and/or mobile number.

  • There is no charge for this service.

  • No, 3D Secure PIN is an OTP that is generated every time you perform online / internet transaction. This is not the PIN that you use with your HABIBMETRO VISA Debit Card while performing ATM / POS transactions.

  • One Time Password (OTP) is consisting of a randomly generated 6-digit online verification code, which will be sent to your registered mobile number, and/or email address before executing any internet-based transaction.

  • An OTP will be valid for 10 minutes only, after which the OTP needs to be reinitiated.

  • You will only receive an OTP for internet-based transactions on 3D Secure enabled websites. For non – 3D Secure enabled websites, you will not go through the OTP authentication process.

  • Visa Card Secure Code and Verified by Visa (VBV) logos will be displayed if you are performing an internet-based transaction on a 3D Secure enabled website.

  • If you do not receive your OTP, you may click the “Resend OTP” button on the authentication screen to request a new OTP.

  • You have three attempts to enter the correct OTP. After three incorrect attempts, your transaction will be cancelled, and you will need to reinitiate the transaction with a new OTP.

  • This message is most commonly displayed when:

    ·        Your mobile number and/or email address is not available in Bank’s records

    ·        You have not activated your HABIBMETRO VISA Debit card for internet/online transactions by calling HABIBMETRO Call Centre at 111-1-(HABIB) 42242 or through HABIBMETRO Web Banking Services / Mobile App

    ·        Your card is blocked/expired

    We recommend that you contact HABIBMETRO Call Centre 111-1-(HABIB) 42242 if none of the above will apply or if you need any assistance in rectifying any of the above.

  • Please call HABIBMETRO Call Centre at 111-1-(HABIB) 42242 immediately to block your HABIBMETRO VISA Debit Card.

  • Yes, you will receive an OTP. However, you may incur roaming charges (if any) from your mobile service provider.

  • An OTP via SMS / email will only be sent to your registered mobile number and/or email address with the Bank.

  • Yes, your additional cardholder will receive an OTP on their registered mobile number and/or email address.

Ms. Tahira Raza has an experience of over four decades in the banking industry of Pakistan. Previously, she has served as the President and Chief Executive Officer of First Women Bank Limited. Her areas of expertise include risk, credit and human resource management, audit, trade and finance and general banking as well as corporate governance, leadership and project management skills.

Ms. Raza is a Master in Business Administration (MBA) in Banking and Finance from the Institute of Business Administration (IBA) and is a banking diploma holder from the Institute of Bankers Pakistan (IBP).

Mohsin is a seasoned corporate banker with over 25 years of banking experience, covering Asia (East and South-East), Middle East and Levant regions.  He was the CEO for UAE at Standard Chartered PLC and in his penultimate role, he looked after Standard Chartered Bank Pakistan Limited as CEO. Prior to that, he managed Barclays Bank Pakistan as their Country Head and Managing Director.

Mohsin’s experience spreads across corporate banking, fixed income markets and Islamic Banking. In his previous stints, he headed the Asian syndicated loans business for ABN AMRO bank based out of Singapore, he was the co-head of Asian Debt markets for Citigroup in Hong Kong. Mohsin was also appointed as Senior Credit Officer (SCO) & Senior Securities Officer (SSO) during this period. In June 2005, Mohsin joined Citigroup Dubai as Regional head of corporate banking for Middle East, where he was responsible for building the corporate business and a strong and diversified team.

Mohsin is an MBA from Institute of Business Administration, Karachi.
He is married and has four children, two daughters and two sons. He enjoys playing bridge and is actively involved in social, educational and charitable activities. Mohsin is currently on the board of I-Care Pakistan while he has served on the boards of CDC, Pakistan Centre for Philanthropy (PCP), Kidney Centre and as a trustee in the IBA endowment fund.

Khurram is a seasoned banker with over 30 years of experience spanning risk and credit management, corporate, investment and transaction banking in local and multinational financial institutions, including Banque Indosuez and Standard Chartered Bank, where he served as Country Chief Risk Officer & Chief Credit Officer.

He has held several senior management positions, including Chairman, Board of Directors at Standard Chartered Modaraba and Standard Chartered Leasing and Director at HABIBMETRO Financial Services.

Prior to taking charge as President & CEO of HABIBMETRO, he led the Corporate & Transaction Banking Group at the Bank, as an SEVP and a member of the Management Committee.

Khurram is an MBA from University of Rochester, USA, and also holds a BSc Engineering degree from UET Lahore. He is also a Certified Director.

Mr. Rashid Ahmed Jafer has an experience of 37 years with M/s. A.F. Ferguson & Co., including 23 years as a partner at the organization. He is a fellow member of the Institute of Chartered Accountants of Pakistan (ICAP) and enjoys an expertise in statutory audit.

He has been a member of the Professional Standards and Technical Advisory Committee of ICAP for several years and is also a member of the SBP – ICAP Coordination Committee.

Mr. Mohamedali R. Habib is a graduate in Business Management – Finance from Clark University, USA. He also holds a Post Graduate Diploma in General Management from Stanford – National University of Singapore. Mr. Habib has worked in the corporate sector for three decades, in various managerial capacities across different industries, including multinational projects. Mr. Habib stepped into the banking industry in 1996 when he joined Habib Bank AG Zurich, where he has worked in different capacities.

In addition to serving as the Group CEO of Habib Bank AG Zurich, Mr. Habib holds other directorship positions in Indus Motor Company Limited and Thal Limited. He is also serving as Chairman of HBZ Finance Ltd. Hong Kong.

Mr. Mohomed Bashir is an experienced businessman and a known figure in the textile industry. He holds a fellow membership of Chartered Institute of Management Accountants (C.I.M.A), UK. Presently, Mr. Mohomed Bashir is the Chairman & Director of Gul Ahmed Textile Ltd., and also holds directorship of Gul Ahmed Energy Ltd, Gul Ahmed Holdings (Pvt.) Ltd., GTM (Europe) Ltd., UK, Gul Ahmed International Ltd., (FZC) UAE.

Mr. Hamza Habib was appointed as a non-executive director of Habib Metropolitan Bank Ltd. in 2020. He is also a director on the board of Agriauto Industries Ltd, a PSX-listed company. He has over 14 years of banking experience and is currently the Head of Corporate Banking at Habib Bank AG Zurich (HBZ) in Dubai, UAE. Mr. Habib has held various positions within the HBZ Group, including Alternate Chief Executive at Habib Bank Zurich (Hong Kong) Ltd, prior to which he was an Area Head with HBZ in the UAE. He also worked with Standard Chartered Bank in Geneva and London.

Mr. Hamza Habib graduated from Babson College in Wellesley, Massachusetts (USA), with a Bachelor of Science in Business Management. He is also a Certified Director from the Pakistan Institute of Corporate Governance.


Mr. Abbas is recognized as a decisive and pioneering C-level Officer and advisor reputed for strategy and leadership, with a wealth of experience in Financial and Banking sectors. Over 25 years he has been driving e-business, customer product solutions, revenue generation and innovative financial solutions through use of technology and strategic partnerships

As a highly personable subject matter expert in Payments, Microfinance, and Transactional Banking, this trusted board advisor has demonstrated adaptability and strategic thinking to develop high performing teams, systems and solutions in highly competitive yet traditionally structured environments.

With the technical and commercial expertise to deliver tangible results, Mr. Abbas will quickly add value to any forward thinking organization and its partners.

Mr. Habib is a banker by profession, with over 40 years of experience. He is presently the President of Habib Bank AG Zurich. Additionally, he holds directorships of HBZ Bank Ltd., South Africa, Habib Canadian Bank, Canada, and Gefan Finanz AG, Switzerland. Mr. Habib is a graduate in Finance from Babson College, Boston MA. USA.