UBL Credit Card Annual Fee Reversal & Waiver Tracker

Understand the reversal rules, check your eligible spending and prepare your request. This independent calculator estimates progress; UBL decides eligibility.

Searching for “UBP fee reversal”?

Do not assume that a transaction labelled “UBP fee reversal” is a UBL credit card annual-fee refund. We have not verified an official definition of that exact label across banks or wallets. If it appears in your transaction history, check the provider, original charge and transaction reference with that provider’s support.

This page explains UBL credit card annual fee reversal. UBL’s summary box lists UBP among transactions excluded from qualifying spending; it does not establish the meaning of a separate “UBP fee reversal” entry.

What is UBL annual fee reversal?

It is a conditional refund of the annual card fee after the applicable spending requirement is met. It is separate from a purchase refund or a disputed transaction. Meeting a calculator target does not itself approve a refund.

Published primary-card fees and combined-spend targets (PKR)
Card	Annual fee*	Spend target
Classic	6,000	50,000
Gold	12,000	100,000
Platinum	22,000	300,000

*Fees above follow the live UBL reversal page. The January 2026 summary box instead lists Platinum at PKR 20,000. Confirm the fee applicable to your account; fees are not used to calculate spending progress.

The summary box specifies a 60-day spending period and requests within 120 days, measured from the statement containing the fee. The live reversal page describes the spending start as the fee-charge or anniversary date. Confirm your applicable start date with UBL if these differ.

Count eligible retail purchases on primary and supplementary cards within the spending period. Exclude cash advances, UBP and mobile top-ups. FED on the annual fee is not reversed.

How to request a fee reversal

Find the statement containing the annual fee and confirm the start date.
Review qualifying purchases and their dates. Ask UBL about returns or transaction types you are unsure about.
Contact UBL at 111-825-888 to request review, and retain the reference number.
Check a subsequent statement for the outcome. Continue meeting payment obligations while awaiting the decision.

Do not make unnecessary purchases simply to reach a waiver target. Compare any extra spending and borrowing costs with the fee you might recover.

Your Card & Spend

Card Tier

Applicable start date confirmed from your fee statement / UBL

Use the date applicable to your account; see the source difference explained above.

Eligible retail spend within the first 60 days (Rs.)

Enter only qualifying purchases made within the spending window, not lifetime or later spending.

Your Waiver Progress

Status

—

Threshold for Your Tier—

Spent So Far—

Still Needed—

Days Left in 60-Day Window—

Average daily amount needed (estimate)—

The calculator does not ask for card numbers or account credentials. Calculation inputs are processed in your browser. This page also includes site analytics.

Sources and limitations

Checked 15 October 2026: UBL annual-fee reversal criteria and UBL Credit Card Summary Box, effective January 2026 (PDF). The source differences in fee and start-date wording are disclosed above. Confirm your current terms directly with UBL.

The tracker uses elapsed calendar days in Pakistan and an estimated cutoff at start date plus 60 days. It cannot verify posting dates, refunds, account status or the bank’s inclusive-day convention. Contact UBL near a deadline rather than relying on the final estimated day.

Independent estimate — not an official UBL tool. PakFinHub is not affiliated with United Bank Limited.