UBL Debit Cards
Part of PakFinHub's UBL coverage — see the full bank overview.
- Visa & Mastercard
- Chip-Enabled
- Rs 600 – Rs 45,000
UBL issues debit cards across five tiers — Priority Banking, Premium, Classic, a virtual card, and specialty foreign-currency/Gold options — spanning Rs 600 to Rs 45,000 in issuance and annual fees. UBL revised its debit card issuance and annual fees effective January 2026, with the largest increases landing on its premium and Priority Banking tiers.
Debit Card Fees by Category (2026)
| Card | Issuance + Annual Fee | Replacement | Supplementary |
|---|---|---|---|
| UBL Visa Infinite Debit Card (Priority Banking) | Rs 45,000 | Rs 1,800 | Rs 45,000 |
| UBL Signature Master Debit Card (Priority Banking) | Rs 25,000 | Rs 1,800 | Rs 25,000 |
| UBL Mastercard Premium / Visa Premium / Visa Urooj / Visa Freelancer (Premium Category) | Rs 2,900 | Rs 1,800 | Rs 1,500 |
| UBL UnionPay / PayPak Debit Card (Classic Category) | Rs 2,300 | Rs 1,800 | Rs 1,500 |
| UBL Mastercard WIZ Virtual Debit Card | Rs 600 issuance, no annual fee | — | — |
Priority Banking, Premium Category, Classic Category, and WIZ Virtual fees confirmed from UBL's official Schedule of Charges effective January 2026, cross-checked against independent reporting (Pakistan Observer). Supplementary cards on the Priority Banking tiers are priced the same as the primary card. UBL also issues a Visa Premium Plus (Gold Category, reported around Rs 3,500) and a Visa FCY Business Debit Card in foreign currency — these weren't independently cross-confirmed for this update, so check UBL's official Schedule of Charges (ubldigital.com/More/ScheduleofCharges) for those two specifically before relying on a figure.
Daily Limits — What They Actually Depend On
Daily cash withdrawal and shopping (POS/e-commerce) limits differ by the specific debit card, not a single bank-wide number. As an example, UBL's UnionPay International Debit Card carries a PKR 200,000 daily cash withdrawal limit and a PKR 300,000 daily e-commerce/POS shopping limit. Other tiers carry different limits — check the "Fee Structure & Card Limits" page for your specific card on ubldigital.com before assuming a figure applies to your card.
FAQs
How much does a UBL Visa Infinite Debit Card cost?
Rs 45,000 for both issuance and the annual fee, confirmed from UBL's official Schedule of Charges effective January 2026 — it sits under UBL's Priority Banking debit card category.
What is the annual fee on a UBL Signature Master Debit Card?
Rs 25,000 for both issuance and annual renewal, confirmed from UBL's official Schedule of Charges effective January 2026.
How much does a regular UBL debit card cost, not the Priority Banking tiers?
UBL's Premium Category cards (Mastercard Premium, Visa Premium, Visa Urooj, Visa Freelancer) cost Rs 2,900 for issuance and annual fee. The Classic Category (UnionPay, PayPak) costs Rs 2,300. Both confirmed from UBL's official Schedule of Charges effective January 2026.
Is there a free UBL debit card?
The UBL Mastercard WIZ Virtual Debit Card carries only a Rs 600 issuance fee and no annual fee, confirmed from UBL's official Schedule of Charges — the cheapest card in UBL's debit lineup.
What is the daily cash withdrawal limit on a UBL debit card?
It varies by card tier — for example, UBL's UnionPay International Debit Card allows PKR 200,000 cash withdrawal and PKR 300,000 e-commerce/POS shopping per day, confirmed from UBL's official fee structure and card limits page for that card.
Good For
- Comparing debit card costs across every UBL tier, not just Priority Banking
- Finding UBL's cheapest debit card option (WIZ Virtual, Rs 600)
- Understanding that limits differ by exact card, not by bank-wide default
- Knowing where to check the current official fee schedule
Ready to apply for a UBL debit card?
Verify current fees and limits directly with UBL before you apply.
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