Islamic Commercial Bank

DIB Lost or Stolen Card

Part of PakFinHub's DIB coverage — block it now, then replace it.

24/7 Phone Blocking
WhatsApp Option

Written & reviewed by Dildar Hussain — 10+ years in Pakistani banking, BS Banking & Finance (NUML University)

If your DIB card is lost or stolen, block it first and ask questions later — every minute it's active is a minute someone else could use it. Two ways to do that right now, both work 24/7.

Block It Immediately

Channel	How
Phone Banking	Call 111-786-DIB (342). A Phone Banking Officer verifies your identity via security questions, then blocks the card.
WhatsApp Banking	Message DIB's official WhatsApp number, select Card Services, then the block/deactivate option, and complete OTP verification.

Source: DIB Pakistan's official Signature and Aayan Debit Card pages (dibpak.com), which describe this verification flow for card services generally.

Then Get a Replacement

Card	Replacement Charge
Visa (Signature & Aayan)	Rs 900
UnionPay (Silver & Gold)	Rs 900
PayPak	Rs 800 + FED

Request the replacement in the same call or WhatsApp session where you block the card — DIB issues it with the same account attributes as the blocked one. See our Cards & Discounts page for full card tier details.

Source: DIB Pakistan's official Schedule of Charges.

Stay Safe While You Wait

DIB will never ask for your password, ATM PIN, CVV, or OTP by phone, WhatsApp, or email — not even to "help" block your card. Anyone asking for these while claiming to assist with a lost card is committing fraud. See our Cyber Security & Fraud page for how to report it.

Your Liability Before You Report It

Per DIB's official Debit Card Terms & Conditions, you must inform the bank in writing and report to DIB's Call Center at 111-786-342 as soon as your card is lost, misplaced, or stolen. For the period between the loss/theft and your report to DIB, you are liable for the actual amount lost on transactions carried out using the card or PIN. Once you've reported it, that liability shifts to DIB, and the card cannot be used again even if it's later found. This is exactly why calling the moment you notice a card is missing matters more than which channel you use to do it.

Confirmed from DIB Pakistan's official Terms and Conditions for the use of DIB Pakistan issued Debit Card (dibpak.com).

Lost or Stolen Card FAQs

How do I block a lost or stolen DIB card immediately?

Call DIB Phone Banking at 111-786-DIB (342), available 24/7. A Phone Banking Officer verifies your identity through security questions, then blocks the card immediately.

Can I block a DIB card through WhatsApp?

Yes. Message DIB's official WhatsApp Banking number, select Card Services, then the block/deactivate option, and follow the OTP verification prompts.

How much does a DIB debit card replacement cost?

Charges vary by card type — e.g. Rs 900 for Visa (Signature/Aayan) and UnionPay replacement, per DIB's official Schedule of Charges. Check the exact fee for your specific card tier before requesting a replacement.

Will I be liable for transactions made after my card is lost?

You're liable for the actual amount lost on transactions made between the card being lost/stolen and your report to DIB, per DIB's official Debit Card Terms and Conditions. Once you report it — in writing and to the Call Center at 111-786-342 — liability shifts to DIB.

Official Sources & Last Verified

Facts checked against DIB Pakistan's official Debit Card pages and Schedule of Charges. Last verified: September 12, 2026. Charges and processes can change; confirm with DIB directly if urgent.

Good For

Blocking a lost or stolen DIB card fast, without hunting for the number
Knowing what a replacement actually costs by card type
Avoiding a scam that pretends to help block your card

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