UBL Credit Card Annual Fee Waiver Tracker
UBL waives your annual fee if you hit a spend threshold within 60 days of your statement date — but nowhere, including UBL's own site, tells you whether you're actually on track. This does.
Your Card & Spend
Your Waiver Progress
No personal or account information is required or stored. This tool runs entirely in your browser.
Fee & Waiver Data Sources
Annual fees (Classic Rs 6,000, Gold Rs 11,000, Platinum Rs 22,000) and the 60-day spend-reversal thresholds (Rs 50,000 / Rs 100,000 / Rs 300,000 respectively) are confirmed directly from UBL's official Credit Card Summary Box / Key Fact Statement, and cross-checked against UBL's own "Criteria for Annual Fee Reversal" page (ubldigital.com).
Only POS and e-commerce retail spend counts toward the threshold — cash advances, bill payments, and mobile top-ups are explicitly excluded, per UBL's own reversal criteria.
The reversal itself is not automatic — UBL requires a call to its contact center (111-825-888), and states reversal requests are entertained up to 120 days from the statement date, even though the spend window itself is 60 days.
Last verified: August 23, 2026. Fees and thresholds change — always confirm with UBL directly before relying on this for a financial decision.
Independent estimate — not an official UBL tool. PakFinHub is not affiliated with United Bank Limited.