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UBL
United Bank Limited commenced operations on November 7th, 1959 in Pakistan, United Bank Limited (UBL). UBL was one of the first Pakistani banks to open its international branches in London, United Kingdom. UBL has a strong track record in Pakistan with an asset base of over PKR 1 trillion built over a 50 year period.
  • Monthly APR
    Monthly BTF Rate
    Annual Fee
  • Discounts
    UBL Basic PSO Visa Card

    UBL Basic PSO Visa Card

    3.33 %
    2.00 %
    PKR 2,000

    Benefits

    • 5% cashback against purchase of fuel at PSO Stations
    • 1% cashback against purchase of fuel at stations other than PSO
    • Discounts at 100+ leading merchants across the country

    Be Aware of

    • The maximum cashback is capped at PKR 1,250 at PSO stations
    • The maximum cashback is capped at PKR 1,000 at stations other than PSO

    Rates

    Monthly APR
    3.33 %

    39.9% per annum

    Cash Advance
    3.33 %

    39.9% per annum

    Monthly BTF Rate
    2.00 %

    24% per annum


    Annual Fees

    Annual Fee
    PKR 2,000
    Supplementary Card Fees
    PKR 500
    Chip Maintenance Fee
    PKR 500

    Other Fees

    Cash Advance Fee
    PKR 750

    or 3% of withdrawn amount (whichever is higher)

    Foreign transaction Fee
    3.00 %

    of transaction amount

    Late Payment Fee
    PKR 1,250
    Overlimit Fee
    PKR 1,200

    Interest Free Period

    50 days

    SMS Alert Fee

    PKR 50 per month

    BTF Fees

    Processing Fee
    3.70 %

    This is applicable for 0% mark up program:

    • 3.7% for 3 Months
    • 7.5% for 6 Months
    • 11.2% for 9 Months
    • 15% for 12 Months

    Local Spend

    Cash Back
    5 %

    Only offered on fuel at PSO stations

    Reward Point
    -
    Airmiles
    -

    International Spend

    Int. Cash Back
    -
    Int. Reward Point
    -
    Int. Airmiles
    -

    Grocery Spend

    Cash Back
    -
    Reward Point
    -
    Airmiles
    -

    Fuel Spend

    Cash Back
    5 %

    at PSO stations

    1% at stations other than PSO

    Reward Point
    -
    Airmiles
    -

    Minimum Monthly Income

    Salaried
    PKR 35,000
    Self Employed
    PKR 100,000

    Minimum Age

    Salaried
    21 Years
    Self Employed
    21 Years

    Salaried Individual

    Bank Statement

    3 months bank statement of salary account

    CNIC
    Required

    Verified copy of valid CNIC

    Salary Slip
    Required

    Verified copy of salary slip


    Self Employed Professional

    Bank Statement
    Required

    12 months bank statement of business account and personal account 

    CNIC
    Required

    Verified copy of valid CNIC

    Proof of Business
    Required
    • Bank certificate stating legnth of the releationship

    Sole Proprietor

    Bank Statement
    Required

    12 months bank statement of business account and personal account 

    CNIC
    Required

    Verified copy of valid CNIC

    Proof Of Business
    Required
    • Bank certificate stating legnth of the releationship

    Partnership

    Bank Statement
    Required

    12 months bank statement of business account and personal account 

    CNIC
    Required

    Verified copy of valid CNIC

    Proof Of Business
    Required
    • Registered partnership deed
    • Unregistered partnership deed accompanied with bank certificate stating legnth of relationship

    Private Limited

    Bank Statement
    Required

    12 months bank statement of business account and personal account 

    CNIC
    Required

    Verified copy of valid CNIC

    Proof Of Business
    Required
    • Memorandum and Articles of Association
    • Form 29 
    • Form A
    • Verified tax return

    Global Travel Assistance

    Benefits
    Discounts by Visa

    Discounts by Visa International at Hotels, Golf Clubs, etc

    Assistance
    USD 35

    USD 35 per request - Lost & Stolen Card

    USD 225 per request - Emergency Card Replacement

    Other
    USD 175

    USD 175 per request - Emergency Card Disbursement


    Travel Insurance

    Subsidized Travel Insurance
    -
    Complimentary Travel Insurance
    PKR 3,500,000

    Coverage up to PKR 3.5 million (Travel Accident Insurance)

    Other Insurance Benefits
    -

    Lounge Access

    Domestic Lounge Access
    -
    International Lounge Access
    -
    Other Travel Benefits
    -

    Priority Pass

    Joining Fee
    PKR 0
    Usage Fee
    PKR 0
    Other Fee
    PKR 0

    Salient Benefits

    1
    Cashback on fuel
    2
    Wide array of benefits
    3
    -

    Discounts

    Vendors
    75+

    Click to View


  • Discounts
    UBL Visa Gold PSO Auto Card

    UBL Visa Gold PSO Auto Card

    3.33 %
    2.00 %
    PKR 4,000

    Benefits

    • 5% Cashback against purchase of fuel at PSO stations
    • 1% cashback against purchase of fuel at stations other PSO
    • Discounts at 100+ leading merchants across Pakistan

    Be Aware of

    • The maximum cashback at PSO stations is capped at PKR 1,250
    • The maximum cashback at stations other than PSO is capped at PKR 1,000

    Rates

    Monthly APR
    3.33 %

    39.9% per annum

    Cash Advance
    3.33 %

    39.9% per annum

    Monthly BTF Rate
    2.00 %

    24% per annum


    Annual Fees

    Annual Fee
    PKR 4,000
    Supplementary Card Fees
    PKR 750
    Chip Maintenance Fee
    PKR 750

    Other Fees

    Cash Advance Fee
    PKR 750

    or 3% of amount withdrawn (whichever is higher)

    Foreign transaction Fee
    3.00 %

    of transaction amount

    Late Payment Fee
    PKR 1,250
    Overlimit Fee
    PKR 1,200

    Interest Free Period

    50 days

    SMS Alert Fee

    PKR 50 per month

    BTF Fees

    Processing Fee
    3.70 %

    This is applicable for 0% mark up program:

    • 3.7% for 3 Months
    • 7.5% for 6 Months
    • 11.2% for 9 Months
    • 15% for 12 Months

    Local Spend

    Cash Back
    5 %

    Only offered on fuel at PSO stations

    Reward Point
    -
    Airmiles
    -

    International Spend

    Int. Cash Back
    Only offered on fuel
    Int. Reward Point
    -
    Int. Airmiles
    -

    Grocery Spend

    Cash Back
    -
    Reward Point
    -
    Airmiles
    -

    Fuel Spend

    Cash Back
    5 %

    at PSO stations

    1% at stations other than PSO

    Reward Point
    -
    Airmiles
    -

    Minimum Monthly Income

    Salaried
    PKR 35,000
    Self Employed
    PKR 100,000

    Minimum Age

    Salaried
    21 Years
    Self Employed
    21 Years

    Salaried Individual

    Bank Statement

    3 months bank statement of salary account

    CNIC
    Required

    Verified copy of valid CNIC

    Salary Slip
    Required

    Verified copy of salary slip


    Self Employed Professional

    Bank Statement
    Required

    12 months bank statement of business account and personal account

    CNIC
    Required

    Verified copy of valid CNIC

    Proof of Business
    Required
    • Bank certificate stating legnth of the releationship

    Sole Proprietor

    Bank Statement
    Required

    12 months bank statement of business account and personal account

    CNIC
    Required

    Verified copy of valid CNIC

    Proof Of Business
    Required
    • Bank certificate stating legnth of the releationship

    Partnership

    Bank Statement
    Required

    12 months bank statement of business account and personal account

    CNIC
    Required

    Verified copy of valid CNIC

    Proof Of Business
    Required
    • Registered partnership deed
    • Unregistered partnership deed accompanied with bank certificate stating legnth of relationship

    Private Limited

    Bank Statement
    Required

    12 months bank statement of business account and personal account

    CNIC
    Required

    Verified copy of valid CNIC

    Proof Of Business
    Required
    • Memorandum and Articles of Association
    • Form 29
    • Form A
    • Verified tax return

    Global Travel Assistance

    Benefits
    Discounts by Visa

    Discounts by Visa International at Hotels, Golf Clubs, etc

    Assistance
    USD 35

    USD 35 per request - Lost & Stolen Card

    USD 250 per request - Emergency Card Replacement

    Other
    USD 175

    USD 175 per request - Emergency Cash Disbursement


    Travel Insurance

    Subsidized Travel Insurance
    Not offered 
    Complimentary Travel Insurance
    PKR 7,000,000

    Coverage up to PKR 7 million (Travel Accident Insurance)

    Other Insurance Benefits
    Not offered 

    Lounge Access

    Domestic Lounge Access
    Domestic lounges access

    KHI International Airport: UBL Lounge

    LHR Internatinal Airport: CIP Lounge

    ISL International Airport: CIP Lounge

    International Lounge Access
    Not offered
    Other Travel Benefits
    Not offered

    Priority Pass

    Joining Fee
    PKR 0
    Usage Fee
    PKR 0
    Other Fee
    PKR 0

    Salient Benefits

    1
    Cashback on fuel 
    2
    Wide array of discounts
    3
    -

    Discounts

    Vendors
    75+

    Click to View


  • Reward Points
    UBL Visa Credit Card

    UBL Visa Credit Card

    3.33 %
    2.00 %
    PKR 2,000

    Benefits

    • Redeem your reward points in the form of cashback

    Be Aware of

    • You can not access any airport lounge with this card

    Rates

    Monthly APR
    3.33 %

    39.9% per annum

    Cash Advance
    3.33 %

    39.9% per annum

    Monthly BTF Rate
    2.00 %

    24% per annum


    Annual Fees

    Annual Fee
    PKR 2,000
    Supplementary Card Fees
    PKR 500
    Chip Maintenance Fee
    PKR 500

    Other Fees

    Cash Advance Fee
    PKR 750

    or 3% of withdrawn amount (whichever is higher)

    Foreign transaction Fee
    3.00 %

    of transaction amount

    Late Payment Fee
    PKR 1,250
    Overlimit Fee
    PKR 1,200

    Interest Free Period

    50 days

    SMS Alert Fee

    PKR 50 per month

    BTF Fees

    Processing Fee
    3.70 %

    This is applicable for 0% mark up program:

    • 3.7% for 3 Months
    • 7.5% for 6 Months
    • 11.2% for 9 Months
    • 15% for 12 Months

    Local Spend

    Cash Back
    Offered indirectly 
    Reward Point
    1/PKR 50 spend

    1 reward point = 0.30 paisas (can be redeemed as cash back)

    Airmiles
    -

    International Spend

    Int. Cash Back
    Offered indirectly
    Int. Reward Point
    1/PKR 50 spend

    1 reward point = 0.30 paisas (can be redeemed as cash back)

    Int. Airmiles
    -

    Grocery Spend

    Cash Back
    Offered indirectly
    Reward Point
    1/PKR 50 spend

    1 reward point = 0.30 paisas (can be redeemed as cash back)

    Airmiles
    -

    Fuel Spend

    Cash Back
    Offered indirectly
    Reward Point
    1/PKR 50 spend

    1 reward point = 0.30 paisas (can be redeemed as cash back)

    Airmiles
    -

    Minimum Monthly Income

    Salaried
    PKR 35,000
    Self Employed
    PKR 100,000

    Minimum Age

    Salaried
    21 Years
    Self Employed
    21 Years

    Salaried Individual

    Bank Statement

    3 months bank statement of salary account

    CNIC
    Required

    Verified copy of valid CNIC

    Salary Slip
    Required

    Verified copy of salary slip 


    Self Employed Professional

    Bank Statement
    Required

    12 months bank statement of salary account

    CNIC
    Required

    verified copy of valid CNIC

    Proof of Business
    Required
    • Bank certificate stating legnth of the relationship

    Sole Proprietor

    Bank Statement
    Required

    12 months bank statement of salary account

    CNIC
    Required

    verified copy of valid CNIC

    Proof Of Business
    Required
    • Bank certificate stating legnth of the relationship

    Partnership

    Bank Statement
    Required

    12 months bank statement of salary account

    CNIC
    Required

    verified copy of valid CNIC

    Proof Of Business
    Required
    • Registered partnership deed
    • Unregistered partnership deed accompanied with bank certificate stating legnth of relationship

    Private Limited

    Bank Statement
    Required

    12 months bank statement of salary account

    CNIC
    Required

    verified copy of valid CNIC

    Proof Of Business
    Required
    • Memorandum and Articles of Association 
    • Form 29 
    • Form A
    • Verified tax return

    Global Travel Assistance

    Benefits
    Discounts by Visa

    Discounts by Visa International at Hotels, Golf Clubs, etc

    Assistance
    USD 35

    USD 35 per request - Lost & Stolen Card

    USD 225 per request - Emergency Card Replacement

    Other
    USD 175

    USD 175 per request - Emergency Card Disbursement


    Travel Insurance

    Subsidized Travel Insurance
    Not Offered
    Complimentary Travel Insurance
    PKR 3,500,000

    Coverage up to PKR 3.5 million (Travel Accident Insurance)

    Other Insurance Benefits
    Not offered

    Lounge Access

    Domestic Lounge Access
    Not offered
    International Lounge Access
    Not offered
    Other Travel Benefits
    Not offered

    Priority Pass

    Joining Fee
    PKR 0
    Usage Fee
    PKR 0
    Other Fee
    PKR 0

    Salient Benefits

    1
    Attractive cashback program
    2
    Wide array of discounts
    3
    Not offered

    Discounts

    Vendors
    75+

    Click to View


  • Reward Points
    UBL Gold Visa Credit Card

    UBL Gold Visa Credit Card

    3.33 %
    2.00 %
    PKR 4,000

    Benefits

    • Complimentary travel accident insurance
    • Redeem your reward points for cashback
    • Complimentary access to domestic airport lounges

    Be Aware of

    • The travel accident insurance is only applicable if you have paid for tickets through your card
    • Cashback is given on a indirect basis (i.e. you redeem reward points for cashback)

    Rates

    Monthly APR
    3.33 %

    39.9% per annum

    Cash Advance
    3.33 %

    39.9% per annum

    Monthly BTF Rate
    2.00 %

    24% per annum


    Annual Fees

    Annual Fee
    PKR 4,000

    Waived every year upon minimum spend of PKR 20,000 within 2 months of fee being applied 

    Supplementary Card Fees
    PKR 750
    Chip Maintenance Fee
    PKR 750

    Other Fees

    Cash Advance Fee
    PKR 750

    or 3% of amount withdrawn (whichever is higher)

    Foreign transaction Fee
    3.00 %

    of transaction amount

    Late Payment Fee
    PKR 1,250
    Overlimit Fee
    PKR 1,200

    Interest Free Period

    50 days

    SMS Alert Fee

    PKR 50 per month

    BTF Fees

    Processing Fee
    3.70 %

    This is applicable for 0% mark up program:

    • 3.7% for 3 Months
    • 7.5% for 6 Months
    • 11.2% for 9 Months
    • 15% for 12 Months

    Local Spend

    Cash Back
    Offered indirectly
    Reward Point
    1/PKR 50 spend

    1 reward point = 0.30 paisas (can be redeemed as cash back)

    Airmiles
    -

    International Spend

    Int. Cash Back
    Offered indirectly
    Int. Reward Point
    1/PKR 50 spend

    1 reward point = 0.30 paisas (can be redeemed as cash back)

    Int. Airmiles
    -

    Grocery Spend

    Cash Back
    Offered indirectly
    Reward Point
    1/PKR 50 spend

    1 reward point = 0.30 paisas (can be redeemed as cash back)

    Airmiles
    -

    Fuel Spend

    Cash Back
    Offered indirectly
    Reward Point
    1//PKR 50 spend

    1 reward point = 0.30 paisas (can be redeemed as cash back)

    Airmiles
    -

    Minimum Monthly Income

    Salaried
    PKR 35,000
    Self Employed
    PKR 100,000

    Minimum Age

    Salaried
    21 Years
    Self Employed
    21 Years

    Salaried Individual

    Bank Statement

    3 months bank statement of salary account

    CNIC
    Required

    Verified copy of valid CNIC

    Salary Slip
    Required

    Verified salary slip

     


    Self Employed Professional

    Bank Statement
    Required

    12 months bank statement of business account and personal account

    CNIC
    Required

    Verified copy of valid CNIC

    Proof of Business
    Required
    • Bank certificate stating length of the relationship

    Sole Proprietor

    Bank Statement
    Required

    12 months bank statement of business account and personal account

    CNIC
    Required

    Verified copy of valid CNIC

    Proof Of Business
    Required
    • Bank certificate stating length of the relationship

    Partnership

    Bank Statement
    Required

    12 months bank statement of business account and personal account

    CNIC
    Required

    Verified copy of valid CNIC

    Proof Of Business
    Required
    • Registered partnership deed
    • Unregistered partnership deed accompanied with bank certificate stating legnth of relationship

    Private Limited

    Bank Statement
    Required

    12 months bank statement of business account and personal account

    CNIC
    Required

    Verified copy of valid CNIC

    Proof Of Business
    Required
    • Memorandum and Articles of Association 
    • Form 29 
    • Form A
    • Verified tax return

    Global Travel Assistance

    Benefits
    Discounts by Visa

    Discounts by Visa International at Hotels, Golf Clubs, etc

    Assistance
    USD 35

    USD 35 per request - Lost & Stolen Card

    USD 250 per request - Emergency Card Replacement

    Other
    USD 175

    USD 175 per request - Emergency Cash Disbursement


    Travel Insurance

    Subsidized Travel Insurance
    Not offered 
    Complimentary Travel Insurance
    PKR 7,000,000

    Coverage up to PKR 7 million (Travel Accident Insurance)

    Other Insurance Benefits
    Not offered

    Lounge Access

    Domestic Lounge Access
    Domestic lounges access

    KHI International Airport: UBL Lounge

    LHR International Airport: CIP Lounge

    ISL International Airport: CIP Lounge

    International Lounge Access
    Not offered
    Other Travel Benefits
    Not offered

    Priority Pass

    Joining Fee
    PKR 0

     

    Usage Fee
    PKR 0

     

    Other Fee
    PKR 0

     


    Salient Benefits

    1
    Attractive cashback program
    2
    Complimentary Travel Accident Insurance
    3
    -

    Discounts

    Vendors
    75+

    Click to View


  • Best Deals
    UBL Platinum Visa Card

    UBL Platinum Visa Card

    3.33 %
    2.00 %
    PKR 6,000

    Benefits

    • Up to 8 complimentary visits a month to Shapes Health Club in Karachi, Lahore and Multan
    • Discounts at 55 leading merchants across Pakistan
    • Complimentary Priority Pass

    Be Aware of

    • USD 35 is charged per visit  to an airport lounge using the Priority Pass
    • PKR 1,200 (+FED) is charged for excess visits at Shapes Health Club
    • Airmiles can only be redeemed against purchase of airline ticket

    Rates

    Monthly APR
    3.33 %

    39.9% per annum

    Cash Advance
    3.33 %

    39.9% per annum

    Monthly BTF Rate
    2.00 %

    24% per annum


    Annual Fees

    Annual Fee
    PKR 6,000

    Waived upon minimum spend of PKR 300,000 within 6 months of fee being applied

    Supplementary Card Fees
    PKR 2,000
    Chip Maintenance Fee
    PKR 1,000

    Other Fees

    Cash Advance Fee
    PKR 750

    or 3% of amount withdrawn (whichever is higher)

    Foreign transaction Fee
    3 %

    of transaction amount

    Late Payment Fee
    PKR 1,250
    Overlimit Fee
    PKR 1,200

    Interest Free Period

    50 days

    SMS Alert Fee

    PKR 50 per month

    BTF Fees

    Processing Fee
    3.7 %

    This is applicable for 0% mark up program:

    • 3.7% for 3 Months
    • 7.5% for 6 Months
    • 11.2% for 9 Months
    • 15% for 12 Months

     


    Local Spend

    Cash Back
    -
    Reward Point
    -
    Airmiles
    1/PKR 50 spend

    1 airmile = PKR 50 spend


    International Spend

    Int. Cash Back
    -
    Int. Reward Point
    -
    Int. Airmiles
    3/PKR 50 spend

    3 airmiles = PKR 50 spend (or equivalent)


    Grocery Spend

    Cash Back
    -
    Reward Point
    -
    Airmiles
    1/PKR 50 spend

    1 airmile = PKR 50 spend


    Fuel Spend

    Cash Back
    -
    Reward Point
    -
    Airmiles
    1/PKR 50 spend

    1 airmile = PKR 50 spend


    Minimum Monthly Income

    Salaried
    PKR 100,000
    Self Employed
    PKR 200,000

    Minimum Age

    Salaried
    21 Years
    Self Employed
    21 Years

    Salaried Individual

    Bank Statement
    CNIC
    Required

    verified copy of valid CNIC

    Salary Slip
    Required

    Verified copy of salary slip 


    Self Employed Professional

    Bank Statement
    Required months

    12 months bank statement of business account and personal account

    CNIC
    Required

    verified copy of valid CNIC

    Proof of Business
    Required
    • Bank certificate stating length of the releationship 

     


    Sole Proprietor

    Bank Statement
    Required

    12 months bank statement of business account and personal account 

    CNIC
    Required

    verified copy of valid CNIC

    Proof Of Business
    Required
    • Bank certificate stating length of the relationship

    Partnership

    Bank Statement
    Required

    12 months bank statement of business account and personal account 

    CNIC
    Required

    verified copy of valid CNIC

    Proof Of Business
    Required
    • Registered partnership deed
    • Unregistered partnership deed accompanied with bank certificate stating legnth of relationship

    Private Limited

    Bank Statement
    Required

    12 months bank statement of business account and personal account 

    CNIC
    Required

    verified copy of valid CNIC

    Proof Of Business
    Required
    • Memorandum and Articles of Association
    • Form 29 
    • Form A
    • Verified tax return

    Global Travel Assistance

    Benefits
    Discounts by Visa

    Discounts by Visa International at Hotels, Golf Clubs, etc

    Assistance
    USD 35

    USD 35 per request - Lost & Stolen Card

    USD 250 per request  - Visa Emergency Card Replacement

    Other
    USD 175

    USD 175 per request - Emergency Cash Disbursement


    Travel Insurance

    Subsidized Travel Insurance
    Not offered

     

    Complimentary Travel Insurance
    Not offered

     

    Other Insurance Benefits
    Not offered

     


    Lounge Access

    Domestic Lounge Access
    Domestic lounges access

    KHI International Airport: UBL Lounce

    LHR International Airport: CIP Lounge

    ISL International Airport: CIP Lounge 

    International Lounge Access
    Priority pass

    Access offered through Priority Pass

    Other Travel Benefits
    Not offered

    Priority Pass

    Joining Fee
    Complimentary Priority Pass

    Complimentary Priority Pass upon card activation

    Usage Fee
    USD 35

    per card holder + accompanying guest

    Other Fee
    Not indicated

    Salient Benefits

    1
    8 visits a month at Shapes

    Health Club in Karachi, Lahore and Multan 

    2
    Free valet parking

    at Dolmen Mall Karachi

    3
    Attractive airmile program

    Discounts

    Vendors
    75+

    Click to View



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