UBL Debit Cards: Types, Charges & Daily Limits
Part of PakFinHub's UBL coverage — see the full bank overview.
- Card comparison
- Annual charges
- ATM & shopping limits
Compare UBL debit cards by the exact card name, annual cost and transaction limits. A debit card uses money in your linked account; it does not provide the borrowing facility of a UBL credit card. Start with the fee table, then check whether the withdrawal and shopping limits suit your everyday use.
Types of UBL debit cards
UBL's product directory lists Visa Infinite, Mastercard Signature, Visa Premium Plus, Mastercard Premium, Visa Premium, Visa Urooj, Visa Freelancer, Visa FCY Business, UnionPay International and PayPak. Urooj is linked to the Urooj account, while Signature is positioned for Signature customers. These are distinct products: a Visa Premium card should not automatically be assigned Mastercard Premium limits.
UBL also lists WIZ Virtual as a prepaid product. It should not be treated as a physical debit card for ATM withdrawals simply because it appears alongside debit products. Check UBL's card directory for the current range.
UBL debit card charges: issuance and annual fees
Standard charges below come from the July–December 2026 Schedule of Charges, printed page 33. Amounts are PKR. Issuance and renewal are separate fee headings, not one combined price.
| Card | Issuance | Annual | Replacement | Supplementary |
|---|---|---|---|---|
| Visa Infinite | 45,000 | 45,000 | 1,800 | 45,000 |
| Mastercard Signature | 25,000 | 25,000 | 1,800 | 25,000 |
| Mastercard Premium / Visa Premium / Urooj / Freelancer | 2,900 | 2,900 | 1,800 | 1,500 |
| Visa Premium Plus | 3,500 | 3,500 | 1,800 | 2,400 |
| UnionPay | 2,300 | 2,300 | 1,800 | 1,500 |
| PayPak | 2,000 | 2,000 | 1,800 | 1,200 |
Source: UBL July–December 2026 Schedule of Charges. Applicable government taxes are additional. Waivers follow the relevant account's conditions; Signature downgrades can end waiver eligibility. FCY Business pricing is currency-specific and is not included in this PKR comparison.
UBL ATM card limit per day: cash versus shopping
There is no single withdrawal limit for every UBL debit card. The product pages publish these daily limits:
| Card | Cash withdrawal per day | Shopping per day |
|---|---|---|
| Mastercard Premium | PKR 200,000 | PKR 300,000 (POS/e-commerce) |
| Mastercard Signature | PKR 1,000,000 | PKR 3,000,000 |
Sources: Mastercard Premium and Mastercard Signature product pages.
A daily allowance is different from the amount an ATM can dispense in one transaction. Check the remaining daily allowance, available account balance and any restrictions on your card before planning a large withdrawal. Do not add cash and shopping limits together and assume they form one unrestricted spending balance.
UBL Signature debit card versus Mastercard Premium
Signature provides the higher published limits in the comparison above. Its product page advertises free basic, supplementary and replacement cards, while the standard tariff lists charges. Confirm your Signature relationship's waiver eligibility with UBL rather than assuming every applicant receives a free card.
The Mastercard Premium product page lists a PKR 2,900 basic annual/issuance fee, PKR 1,500 supplementary fee and PKR 1,800 replacement fee. It supports ATM, POS and e-commerce use and advertises contactless payments. Compare the cost with your actual withdrawal and shopping needs before requesting an upgrade.
How to apply for a UBL debit card
UBL directs new customers to a branch to open an account and request a card. Existing customers can apply at a branch or request an available card through internet banking or the UBL Digital App.
- Open Accounts, then Card Management.
- Choose Request Card and select Physical.
- Select the available card type and enter the name to appear on it.
- Submit the request and follow UBL's verification process.
Before submitting, confirm the fee, eligible account, delivery details and supported payment channels. For help with a request or a lost card, use our UBL helpline and complaints guide. For cash access, see the UBL ATM guide.
UBL debit cards: frequently asked questions
What is the UBL Silver debit card limit?
The reviewed UBL directory does not identify a current card simply as “Silver.” Check the exact product name in your app or card paperwork. Do not use a Premium or Signature limit based only on the card's colour.
What is the UBL primary debit card limit?
“Primary” identifies the main cardholder's card, rather than a specific product tier. You still need its full name and the transaction type—cash withdrawal, shop purchase or online payment—to identify the relevant limit.
What are UBL Premium debit card annual charges?
See the charges table for the exact variant. Premium and Premium Plus have different tariff entries, so check the full card name before comparing prices.
Can I use my card for online or international purchases?
Check your specific product's supported channels, enabled settings and applicable charges. A card that works at an ATM is not automatically enabled for every online merchant or overseas transaction.
Which UBL debit card should I choose?
Compare your eligible options against three needs: cash withdrawals, shopping channels and total annual cost. Consider benefits you will actually use; a higher limit alone is not a reason to pay for a different card.
Check your exact card before applying
Confirm availability, account eligibility, applicable charges and limits directly with UBL.
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