UBL Classic & Gold Credit Cards

Your UBL Credit Card's exciting and value added features will change your life in a manner which will ensure that you constantly enjoy living it.

Lite Installment Plan (LIP)

Our installment plan branded as Lite Installment Plan (LIP) allows you to purchase goods or avail specific promotions through your UBL Credit Card and repay the transaction amount in Equal Monthly Installment (EMI). You can choose tenures of 3,6,12,18,24,30 and 36 months for repayment.

You can convert any of the retail transaction of PKR 5,000 and above into LIP. A booking fee as per the prevailing Schedule of Charges is applied on every transaction converted into LIP. You can also avail the option of BTF on LIP, whereby you can pay off your other Credit Cards through your UBL Credit Card and pay back in equal monthly installment at a lower markup.

A service charge of only 2.33% per month will apply to whatever remaining unpaid balance that is carried forward. By availing simply calling our 24 hour 'UBL Contact Center' at 111-825-888

Alliances Products

Buy Now Pay Later with UBL Lite Installment Plan for 1000+ products at 0% markup.

If you've been dreaming of owning a new iPhone, refurbishing your kitchen, refreshing yourself with fresh fragrances, or maybe buying a new set of television and so on, UBL Credit Card can help make the dream come true.

With the UBL Lite Installment Plan, you can split your purchases to easy & equal monthly installments at participating merchants nationwide.

Call 111-825-888 or click on the below categories to book products of your choice.

Click here for more details.

Balance Transfer Facility - Save Big Time

Now you can really save big time with your UBL Credit Card Balance Transfer Facility! You have the opportunity to pay off balances you owe to other banks through your UBL Credit Card on a 0% balance transfer rate for up to 12 months or at a minimal rate for up to 36 months.

Transferring your balances to your UBL Credit Card is simply a phone call away, just call our 24-hour "UBL Contact Center" at 111-825-888.

You can also fill in the Balance Transfer form included in the Welcome Pack and mail it to the UBL Card Center address mentioned on it. Alternatively, you may simply use the drop box facility available at all designated Card Payment Branches nationwide to forward your application.

Cash Advance Facility

Now you can withdraw 50% cash through your UBL Credit Card's instantly from any UBL Branch nationwide and at any ATM and financial institutions worldwide displaying VISA/PLUS logo (charges applied as per SOC).

The service charges for cash advance will be applied from the day of the transaction. A cash advance fee will also apply for each cash withdrawal transaction (these charges change time to time as per SOC).

Cash on Phone

Cash on Phone allows cardholders to avail maximum of 50% of the assigned credit limit as cash, which will be directly deposited into their UBL accounts or in the form of pay order. By availing simply calling our 24 hour 'UBL Contact Center' at 111-825-888.

Reward Points

UBL Credit Card customers can earn reward points on every transaction. For only Platinum Credit Card Holders can earn 3X rewards on international transactions. These reward points can be redeemed as cash-backs & on a catalogue of products available on UBL website, with the expiry of 18 months.

Supplementary Cards

To share the value, excitement and benefits of your UBL Credit Card with your loved ones, your UBL Credit Card offers you up to 6 supplementary cards. Anyone with minimum age of 14 years can be your supplementary cardholder with no maximum age limit.

For your convenience, both your own, and the supplementary card transactions will be clearly itemized in your monthly statement. This will let you know at a glance how the spending took place and who spent how much, hence making it easier to manage the spending on each of your cards. The limit on all supplementary cards can be controlled according to your instructions at the time of application, or later by a simple phone call to UBL's 24-hour 'UBL Contact Center' at 111-825-888.

To apply for a supplementary card now, simply call 'UBL Contact Center' at 111-825-888 and give your details to our phone banker for a completely paperless application or fill in the supplementary card application form and mail it to the UBL Card Center along with photocopy of your and your supplementary cardholder beneficiary’s CNIC.

The coverage amounts are: Classic Card: Up to Rs. 3.5 Million | Gold Card: Up to Rs. 7 Million.

Free Travel Accident Insurance

Each time our Card members use their UBL Credit Card to purchase airline, train or bus tickets, they are automatically covered against any sort of accident that might befall them while traveling:

The coverage amounts are: Classic Card: Up to Rs. 3.5 Million | Gold Card: Up to Rs. 7 Million

Zero Loss Liability

Isn't it comforting to know that if you lose your card, you have nothing to worry about! UBL covers you from all fraudulent charges made on your card as soon as you report it lost to us. So make sure that you report the loss immediately after such an incident at 111-825-888. Rest assured that with your UBL Credit Card, you are completely secure against loss and theft.

UBL Transaction Protection Cover

UBL Transaction Protection Cover provides compensation to UBL Debit Card and Credit Card members up to PKR 500,000 in case of loss of Cash due to following reasons:

• Unauthorized Transaction in any UBL Payment Cards including e-money account if UBL card is lost/stolen or even card is in possession
• Social Engineering Attack
• Account Takeover Fraud
• ATM Theft

Comprehensive Health Plan

FEATURES:

• Vitality App benefit at additional Rs. 500 / month & telemedicine coverage at additional Rs. 650 /month
• Prescribed Radiotherapy and Chemotherapy is covered
• No limit capped on Emergency Local Ambulance Charges
• Life Insurance coverage of PKR 100,000 due to accident & sickness
• Up to 30% discount in selected labs and Pharmacy
• Staff doctor available on call 24 hours for referrals
• Medical Card for each customer
• Pre-hospitalization & post-hospitalization covered up to 30 days

UBL Family Security Plan

Life is precious and beautiful. However, it is full of uncertainties and unexpected events life where an injury or death of an earning family member can cause serious problems. To prepare you against such uncertainties in life, UBL Credit Card’s Family Security Plan is the ideal solution. With this plan you can ensure a regular income for your family in the event of an unfortunate accident.

It gives you the flexibility to customize your plan by choosing the insurance plan from our 4 levels of covers depending on your own family needs with which you are most comfortable.

Child Education Plan

UBL Credit Card now offers Child Education Plan that can secure the future of your children. This plan carries a special benefit that will provide each of your children (aged between 1 to 21 years or full time students below 25 years) up to Rs. 1,000,000 in case of your accidental death &/or accidental permanent disability. A better tomorrow for your child starts today.

Hospital Cash Plan

UBL Credit Card customers can secure themselves and their families against financial emergencies during hospitalization. You can avail up to Rs. 8,000/- cash coverage of each day in hospital.

The following levels of benefit are available to choose from, providing cover in the event of hospitalization anywhere.

Benefits Table

Monthly Premium Table

Credit Guardian

UBL takes care of its Credit Card members payments in time when they cannot. Our Card members can now get total peace of mind and insure themselves against unforeseen emergencies. In the event of any temporary disability where UBL Card member is unable to pay his/her monthly dues, Credit Guardian allows payment of the outstanding monthly amount. Moreover, in the unfortunate event of permanent disability or death, the entire outstanding amount is waived off. Credit Guardian Facility is available for a minimal fee, charged automatically on the card balance every month.

Buy Today, Pay Later

Your UBL Credit Card gives you the financial flexibility to buy today and pay after a month at no extra charge. You have the option of paying a minimum 5% of the outstanding balance or any other amount of your choice up to your total account balance.

3D Secure One-Time Password (OTP)

Enjoy enhanced security on internet transactions with 3D Secure One-Time Password

Enjoy online shopping with Visa 3D Secure One Time Password (OTP) service, which will provide enhanced security for your online credit card transactions.

3-D One-Time Password (OTP) is a security feature, that will send a special 6-digit password to your registered mobile phone number / Email every time you do an online transaction on a merchant with 3D secure facility. Your transaction is then only processed on a 3D secure merchant upon entering the required OTP sent to your registered mobile phone / Email address, thus enhancing security for your Credit Card from potential Cybercrime.

If you are a UBL Credit Card customer who was previously registered for 3D Secure Password, please note that the password is no longer valid and every online transaction on a 3D secure merchant will now require an OTP sent to your registered mobile number / email.

The steps in more detail:
• Step 1: Log onto a certified Visa 3D Secure merchant website. Certified merchants can be identified by the logo “Verified by Visa” on the merchant’s website.
• Step 2: Shop as per your desire and proceed to the checkout page. Please enter relevant data needed by the merchant. Confirm that the data is correct and continue.
• Step 3: The 3D Secure page will prompt you to enter your One-Time Password (OTP) into the box provided.
• Step 4: Enter the six-digit One-Time Password, as received via SMS to your registered mobile phone number or email address, and then click 'Enter' to proceed.

This will complete your online shopping experience.

Kindly avoid using a non 3D Secure Merchant. In case of a non 3D Secure website an OTP will not be generated and the liability for all reversals will reside with the merchant only.

Benefits

• Increased Protection: Customers have complete control of their online transactions through mandatory secondary verification requirement.
• Wider Acceptance: Gives customers convenient access to global markets. You can use your card to purchase from anywhere in the world.
• Ease of Use: Allows customers to avoid cue for session activation. All Cards are automatically provided the 3-D Secure facility. No registration needed.
• Secure Merchant Identification: Easy to identify secure merchants, through a “Verified by Visa” logo.

Lien Marked Credit Cards

Now you also have a facility to get your UBL Credit Card but keeping a security with the Bank. You can now lien your account with UBL and get 70% of the amount as your credit limit. If you are a house wife, senior citizen, retired person you can now get a Lien marked Credit Card.

SMS & Email Alerts

For added security UBL Credit Card offers you SMS Alerts facility which instantly notifies you via SMS whenever a transaction is made on your card.

You can even opt for a Free Email Alert facility which will notify you on all transactions made on your card via email. To activate these services simply call "UBL Contact Center at 111-825-888.

Free e-statements

UBL gives you option of getting statement of your Credit Card electronically that makes it easier for you to manage your statements in hassle free paper less environment.

24-Hour Customer Service

By simply calling our 24-hour 'UBL Contact Center' at 111-825-888 or downloading and logging in to the UBL Digital App, you can avail the following facilities on your UBL Credit Card, 24 hours a day and 7 days a week:

• Complete online access to your card account including credit card transactions and billing statements
• Pay UBL Card bill

UBL Credit Card Dispute Resolution

For any dispute in credit card transaction, please download the UBL Dispute Resolution Form and send the duly filled form at 2nd Floor, Mai Kolachi, UBL Stationery Building karachi or FAX us at customer services: (021) 99217448.

Dispute form should be signed by the cardholder and the sign should be the same as on the back of the cardholder's card.

Credit Card Related Complaints

For any complaint related credit card, simply visit customer.complaint@ubl.com.pk or call 111-825-888