How do I check the TDRs I’ve booked?

You can check your booked Term Deposits by logging into your UBL Digital App, click on Accounts and select Term Deposit. All the booked Term Deposits will appear under this section. To check the details of individual Term Deposit, click on summary.

What is the minimum and maximum booking amount?

The minimum investment amount is: Term Deposit Product Type Minimum Investment Amount UBL Mahana Aamdani Term Deposit Rs. 25,000 (progressing in multiples of Rs.25,000) UBL Certificate of Deposit (COD Maturity) Rs. 50,000 (progressing in multiples of Rs.25,000) There is no limit to the maximum amount of investment that can be made in a Term Deposit.

What rates are offered on these Term Deposit?

The rates offered are as per the Bank’s prevailing rate sheet for Certificate of Deposit (CoD-at Maturity), or Mahana Aamdani Term Deposit. You can also view the rates on each tenor whenever you place a deal in the UBL Digital app.

What tenors can the deals be booked at?

The deals can be booked for the below tenors for all products: • 3 months • 6 months • 1 year • 3 years • 5 years • 10 years

How frequently is the profit paid out on the Term Deposit?

The profit on each product is paid: Term Deposit Product Type Profit Payment Frequency UBL Mahana Aamdani Term Deposit Monthly UBL Certificate of Deposit (COD Maturity) At Maturity

Can UBL Mahana Aamdani Term Deposit be opened with a Savings Account?

You need to have a UBL current account to invest in UBL Mahana Aamdani Term Deposit. If you would like to invest in this product, please open an account online by visiting our website https://ubldigital.com/Open-a-Bank-Account-Online, or go to a nearest UBL branch.

What is rollover facility?

A rollover refers to automatic renewal of the Term Deposit, i.e. the amount invested will be automatically reinvested after the Term Deposit matures, for the same tenor at the prevalent profit rate. The rates prevalent can be viewed at https://ubldigital.com/About-UBL/Rates

How can I stop rollover of my term deposit?

You can stop automatic investment rollover by visiting your account branch.

Can the rate on these TDRs change mid- tenor?

No, the rates in CoD and Mahana Aamdani Term Deposit will remain same throughout their tenor.

Will there be any zakat deduction on these Term Deposit?

Yes, Zakat will be deducted as per the Zakat and Ushr Ordinance, 1980.

Are withholding tax charges applicable on profits disbursed?

Yes, and the rate applicable will be dependent on your ATL File/Non-Filer status. However, these taxes will be deducted in a separate transaction following immediately after the profit disbursal.

Are there any charges on Early Encashment?

Upon Early encashment, profit will be paid on minimum saving rates set by SBP applicable at the time of booking.

How do I encash my term deposits?

You can encash your previously booked deals by visiting your parent account branch and requesting to do so.

UBL Visa Infinite Debit Card

UBL Visa Infinite
Debit Card

You are limitless, and now your card is too. With the UBL Infinite Debit Card, you can experience an infinite expanse of possibilities, enjoying privileges such as high limits, international access and exclusive rewards. Backed by VISA, the UBL Infinite Debit Card empowers you with a best-in-class, safe and convenient payment solution.

Features & Benefits

Access to 1000+ Airport Lounges Worldwide

Free Golf Course Access

Exclusive alliances with premium discounts

Bespoke Global Concierge
Services

Enhanced Withdrawal,
Transaction & IBFT Limits*

International Travel & Insurance Benefits

International Fraud & Buyers’ Protections

Visa Global Benefits**

Daily Spending Limits:

Daily ATM withdrawal limit : PKR 1,000,000
Daily POS/E-Commerce limit : PKR 1,500,000
Daily ATM IBFT limit : 1,500,000

**For complete details on VISA offers, please click here: pk.visamiddleeast.com/en_pk/visa-offers-and-perks
To View available discounts Click here

How to Activate Your
Debit Card

Activating your all new UBL Visa Infinite Debit Card is easier than ever! You can opt to activate it via two easy to manage channels

UBL ATMs

Visit any UBL ATM with your new UBL Debit Card and mobile phone

Insert your Debit Card in the ATM

Enter the 6-digit OTP in the ATM that is sent on your registered mobile number, press okay to validate the OTP

Set your Debit Card PIN

Re-enter your PIN

Your Debit Card has been activated

Please collect your Card & printed slip

UBL Digital App

Login to the UBL Digital App and click on Sign-up

Tap on ‘Sign-up via Debit Card’

Activate your Debit Card by entering the last for digits of the Card and its expiry

Enter your registered mobile & CNIC number

Enter the OTP received on your registered mobile number

Create username and set a password

Experience Quick and Hassle Free Payments

Contactless Payments

Look for the NFC previlege_1 symbol on the POS machine.

Hold your UBL Debit Card in front of the contactless reader on the POS machine.

The machine will indicate that the transaction has been processed successfully and you can remove your Debit Card.

3-D Secure Ecommerce Transactions

Shop online on e-commerce websites and pay with your UBL Visa Infinite Debit Card by following these easy steps

Select the goods or services you want to purchase from an online store and proceed to the payment page.

Enter your UBL Card details and the online store will send the information to UBL for verification.

After verification, you will be routed to the 3-D secure webpage where you will be asked to select SMS Alert or Email or both to receive a One Time Password (OTP).

On selecting the preferred option, you will shortly receive the OTP.

You will then be routed to the next screen where you will be prompted to enter the OTP and press Submit.

Upon submission, your transaction will be processed.

Signature Priority Banking Helpline

Is there anything we can help you with? Please call the dedicated Priority Helpline for further assistance.

0800-99825

How to Apply

New to Bank Customer

Visit your nearest UBL or UBL Signature Branch to open a Priority Banking account & apply for a UBL Visa Infinite Debit Card

Existing Customer

Visit your nearest UBL or UBL Signature Branch

0800-99825

customer.services@ubl.com.pk

Fee Structure

Annual Fee

Basic	As per SOC
Supplementary	As per SOC

Card Replacement Fee

Basic	As per SOC
Supplementary	As per SOC

Switch Transaction Fee

Withdrawals on 1 Link ATM other than UBL	PKR. 35/-
Withdrawals on other switches	PKR. 35/-

International Usage Charges

ATM Withdrawl	4.5% of transaction amount
POS Purchase Purchase in Currency other than USD and PKR Purchase in USD and PKR	4.5% of transaction amount or Rs. 150/- whichever is higher 4.5% of transaction amount or Rs. 150/- whichever is higher