Commercial Bank

UBL Discounts

Part of PakFinHub's UBL coverage — see the full bank overview.

Credit & Debit Cards
Discount Alliance Program

Written & reviewed by Dildar Hussain — 10+ years in Pakistani banking, BS Banking & Finance (NUML University) · Last Verified: 2026-09-02

UBL discounts run through one official channel — the UBL Discount Alliance — rather than scattered social posts. This page explains how UBL discounts are structured by card tier, and where to check what's live today.

UBL runs its merchant discounts through a single official program — the UBL Discount Alliance — rather than scattering standalone offers across social media. Because specific merchant deals, caps, and validity dates change frequently, this page focuses on the card products themselves and points you to UBL's live Discount Alliance page for whatever offers are currently running, rather than listing dates that could already be expired.

UBL Discounts & Card Products

UBL Credit Cards

Multiple tiers including UBL Platinum Credit Card, positioned around credit limits scaled to the cardholder's income and relationship with the bank.

UBL Debit Cards

Includes the standard UBL Debit Card and UBL Premium Debit Card tiers, usable at ATMs, POS terminals, and online.

UBL Discount Alliance

UBL's official, centrally maintained merchant discount program for card and account holders — the authoritative source for current offers.

Compare Cards Tool

UBL's official side-by-side card comparison tool for choosing between credit card tiers.

Card Facilitation Center

Dedicated support channel for card-related issues, separate from the general helpline.

Because UBL discounts change as merchant partnerships renew, the official Discount Alliance page is always the most current source.

Card product names confirmed from UBL's official Card Products menu (ubldigital.com/Loans/Cards-Products). Current discount offers, caps, and expiry dates change frequently — check UBL's official Discount Alliance page directly for what's live today rather than relying on a cached list.

Why this page won't list individual merchant offers: several third-party "UBL discounts" listicles carry a current-looking month and year in their title while the actual merchant list underneath was compiled years earlier and never refreshed — the kind of page that looks live but isn't. A merchant discount listed on a page like that could easily have expired, changed its terms, or been dropped from the program entirely. That's precisely the trap this page avoids by pointing you to UBL's own Discount Alliance page instead of maintaining a static list here that would go stale the same way.

Card Tiers, by Name

People searching "UBL Platinum credit card discounts" or "UBL Signature card discounts" usually already know which card they hold and just want the current offer terms for that specific tier. Here's what each named tier actually is, so you can go straight to the right official page:

UBL Platinum Credit Card

A mid-to-upper credit card tier, carrying its own discount slate within the Discount Alliance program distinct from Classic/Gold tiers.

UBL Signature Credit Card

A premium credit card tier, positioned above Platinum, with its own set of Discount Alliance offers and typically higher credit limits.

UBL Premium Debit Card

UBL's upper-tier debit card (distinct from the standard debit card), carrying its own discount eligibility separate from standard-tier debit cardholders.

UBL Standard Debit / ATM Card

The base debit card issued with most current and savings accounts, usable for ATM withdrawals, POS, and online payments.

Tier names confirmed from UBL's official Card Products and Discount Alliance menus. Which specific discounts apply to which tier changes as UBL renews merchant partnerships — the official Discount Alliance page filters offers by card tier, which is the fastest way to see what applies to your exact card.

Debit Card Fees, by Tier

This is the number most people actually want before choosing a tier: what issuance, annual renewal, replacement, and supplementary cards cost. All figures exclude government levies.

Debit Card	Issuance Fee	Annual Fee	Replacement Fee	Supplementary Fee
UBL VISA Infinite Debit Card (Priority Banking)	Rs 45,000	Rs 45,000	Rs 1,800	Rs 45,000
UBL Signature Master Debit Card (Priority Banking)	Rs 25,000	Rs 25,000	Rs 1,800	Rs 25,000
UBL VISA Premium Plus Debit Card (Gold)	Rs 3,500	Rs 3,500	Rs 1,800	Rs 2,400
UBL Mastercard/VISA Premium Debit Card	Rs 2,900	Rs 2,900	Rs 1,800	Rs 1,500
UBL VISA Urooj Debit Card	Rs 2,900	Rs 2,900	Rs 1,800	Rs 1,500
UBL VISA Freelancer Debit Card	Rs 2,900	Rs 2,900	Rs 1,800	Rs 1,500
UBL UnionPay Debit Card (Classic)	Rs 2,300	Rs 2,300	Rs 1,800	Rs 1,500
UBL PayPak Debit Card (Classic)	Rs 2,000	Rs 2,000	Rs 1,800	Rs 1,200
UBL Mastercard WIZ Virtual Debit Card	Rs 600	—	—	—
UBL VISA FCY Business Debit Card	USD 15 / GBP 12 / EUR 14 / AED 56 / SAR 57 / CNY 75 (issuance & annual); USD 10 / GBP 10 / EUR 10 / AED 35 / SAR 35 / CNY 45 (replacement)

Credit Card Annual & Supplementary Fees

Credit Card Tier	Primary Annual Fee	Supplementary Card Fee
Visa Classic	Rs 6,000	Rs 3,000
Visa Gold	Rs 12,000	Rs 6,000
Visa Platinum	Rs 22,000	Rs 11,000
Visa Signature (Ex-SBL)	Rs 30,000	Rs 15,000
Mastercard Standard (former Silkbank)	Rs 4,000	Rs 2,000
Mastercard Gold (former Silkbank)	Rs 8,000	Rs 4,000
Mastercard Titanium (former Silkbank)	Rs 14,000	Rs 7,000
Mastercard Platinum (former Silkbank)	Rs 18,000	Rs 9,000

Other credit card charges worth knowing before you swipe: a Rs 100 or 4.5% (whichever higher) international/foreign transaction charge, a Rs 2,200 late payment fee, a Rs 1,200 card replacement fee, a Rs 1,200-or-3%-of-transaction (whichever higher) cash advance fee, and a Rs 1,600 over-limit fee. Duplicate statements and SMS alerts are free; a credit limit enhancement request costs Rs 1,000.

All card fees confirmed from UBL's official Schedule of Bank Charges, Consumer Banking — Sections A (ATM/Debit Card) and F (Credit Cards), effective 1 July 2026. UBL's Mastercard tiers trace to the former Silkbank merger and use different tier names (Standard/Gold/Titanium/Platinum) than the Visa lineup (Classic/Gold/Platinum/Signature) — don't assume they line up one-to-one by tier name. Figures exclude government levies, taxes, and FED, which are recovered in addition. Annual fees are charged in advance and are non-refundable on account closure.

Card Customer Service & Fraud Warning

24/7 Card Services

Call the UBL Contact Center at 111-825-888, or manage most card functions (lock/unlock, PIN change, activation) directly in the UBL Digital App.

Official Activation Numbers

UBL states it will only contact you for credit card activation from its official numbers 18257 and 18258 — treat any other number claiming to activate your card as a scam.

Report Card Fraud

Suspected fraudulent activity should be reported immediately via the 24/7 UBL Contact Center at 021-111-825-888.

Confirmed from UBL's official Card Customer Service and Fraud Intimation Process pages.

In-App Card Controls

The UBL Digital App lets you lock or unlock a debit card, change its PIN, check its status, and view linked accounts without calling support — see the UBL Digital App guide for the full feature list.

FAQs

Where can I see current UBL card discounts?

UBL runs merchant discounts through a single official program, the UBL Discount Alliance, which is the authoritative and most current source for live offers by card tier. Be cautious of third-party listicles that carry a current-looking date but list merchant offers compiled years earlier.

What does a UBL Platinum Credit Card cost annually?

The UBL Visa Platinum credit card carries a Rs 22,000 primary annual fee and a Rs 11,000 supplementary card fee, confirmed from UBL's Schedule of Bank Charges effective 1 July 2026.

What is the international transaction charge on a UBL credit card?

UBL charges Rs 100 or 4.5% of the transaction amount, whichever is higher, for international/foreign transactions on its credit cards, per the official Schedule of Bank Charges.

Good For

Comparing UBL's credit and debit card tiers
Finding where current UBL Discount Alliance offers are listed
Avoiding stale third-party discount listicles that look current but aren't
Identifying which official numbers activate a UBL card
Reporting card fraud through the right channel quickly

Ready to bank with UBL?

Verify current rates, offers, and terms directly with UBL before you apply.

Visit UBL Official Website See UBL Bank Profile