UBL Credit Cards
Part of PakFinHub's UBL coverage — see the full bank overview.
- Classic / Gold / Platinum
- No Joining Fee
UBL issues credit cards across three core tiers — Classic, Gold and Platinum — with no joining fee but a recurring annual fee that scales by tier. UBL also offers a conditional annual fee waiver tied to spend, and an installment facility (LIP) for converting purchases into fixed monthly payments.
Fees & Limits by Tier
| Tier | Basic Card Annual Fee | Supplementary Card Fee | Typical Credit Limit Range |
|---|---|---|---|
| Classic | Rs 6,000 | Rs 3,000 | Rs 25,000 – Rs 124,999 |
| Gold | Rs 11,000 | Rs 6,000 | Rs 125,000 – Rs 499,999 |
| Platinum | Rs 22,000 | Rs 12,000 | Rs 500,000 – Rs 7,000,000 |
Confirmed from UBL's official Credit Card Summary Box / Key Fact Statement for 2026 (ubldigital.com). There is no joining fee on any tier. Rates and fees change periodically — verify against the current KFS before applying.
Getting the Annual Fee Waived
UBL will reverse the annual fee if combined primary and supplementary card retail spend (POS and e-commerce only — cash advances, bill payments and mobile top-ups don't count) reaches a set threshold within 60 days of the statement date the fee was charged on: Rs 50,000 for Classic, Rs 100,000 for Gold, and Rs 300,000 for Platinum. You need to call the UBL contact center (111-825-888) to request the reversal — it isn't automatic — and UBL states reversal requests are entertained up to 120 days from the statement date.
Are You On Track to Get Your Fee Waived?
Enter your card tier, statement date, and spend so far — this tool tells you exactly how much more you need to spend and by when, using UBL's own reversal criteria.
Other Card Costs Worth Knowing
International Transactions
UBL charges Rs 100 or 4.5% of the transaction amount, whichever is higher, on international/foreign-currency transactions.
Interest-Free Period
Up to 50 credit-free days apply to retail transactions only — cash advances, balance transfers and LIP purchases carry no interest-free period.
Lite Installment Plan (LIP)
Convert a purchase into Equal Monthly Installments over 3, 6, 12, 18, 24, 30 or 36 months.
Confirmed from UBL's official Credit Card Summary Box and UBL Credit Card product page (ubldigital.com).
FAQs
What is the annual fee on a UBL credit card?
For 2026: Classic Rs 6,000, Gold Rs 11,000, and Platinum Rs 22,000 basic card fee, confirmed from UBL's official Credit Card Summary Box (Key Fact Statement) for 2026.
Can I get my UBL credit card annual fee waived?
Yes. UBL reverses the annual fee if combined primary and supplementary card retail spend within 60 days of the statement reaches a set threshold per tier (Rs 50,000 for Classic, Rs 100,000 for Gold, Rs 300,000 for Platinum) — call the UBL contact center to request it.
What is UBL's Lite Installment Plan (LIP)?
LIP lets you convert a credit card purchase or promotion into Equal Monthly Installments over a chosen tenure of 3, 6, 12, 18, 24, 30 or 36 months, confirmed from UBL's official Credit Card product page.
Good For
- Comparing Classic, Gold and Platinum fees side by side
- Understanding exactly how to qualify for an annual fee waiver
- Planning a large purchase around the Lite Installment Plan
- Budgeting for international transaction charges before travel
Ready to apply for a UBL credit card?
Verify current fees, limits and offers directly with UBL before you apply.
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