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Desolator. Are u sure, because i have called them NOT recently but like 2 years ago or so when i got my debit card, they wernt even sure what i was talking about. you must be confusing it with credit cards, some banks in PK dont let u use it online unless u call them and ask them to enable it for certain amount of time so you can use it online?
update: yup! I just called HBL they are not offering such facility. but after I called UBL, they on the other hand are offering Online facility on debit card, you just need to activate it.