Please note that all your formerly issued Silkbank Credit Cards will remain valid for now. Any required updates will be communicated in advance through UBL’s official communication channels.

Ex-SBL Credit Cards Annual Fee & Reversal Criteria

Card Variant	Annual Fee (PKR)		Reversal Criteria (PKR)
	Primary	Supplementary	Primary	Supplementary
VISA Classic	6,000	3,000	50,000	25,000
VISA Gold	12,000	6,000	100,000	50,000
VISA Platinum	20,000	10,000	250,000	125,000
VISA Signature	30,000	15,000	500,000	250,000

Card Variant	Annual Fee (PKR)		Reversal Criteria (PKR)
	Primary	Supplementary	Primary	Supplementary
Master Standard	3,500	1,750	50,000	25,000
Master Gold	8,000	4,000	100,000	50,000
Master Titanium	14,000	7,000	150,000	75,000
Master Platinum	18,000	9,000	250,000	125,000

Spend Duration: Spend within 60 days of statement generation date in which annual fee is levied
Requests for annual fee reversals will be entertained up to 120 days from the statement generation date in which annual fee is levied
Annual fee is charged at the time of card activation and annually on the anniversary date. The FED against Annual fee will not be reversed
Only the retail transactions (POS, Ecommerce, Cash Advance & UBP) will be qualified for meeting spending criteria for reversal.

Click here to view the General Features & Benefits.

Signature Features & Benefits:

Free Visits to Gyms & Health Clubs Avail free visits to premium gyms and health clubs with Silkbank Visa Signature Credit Card, based on defined monthly spending. Please call Silkbank Phone Banking at 021-111-100-777 for the list of partner outlets and eligibility criteria

Travel the world like never before There’s something deeply satisfying about discovering new people, new places and new stories. Silkbank Visa Signature Credit Card enriches the experience further. With a wealth of travel benefits, your imagination will take flight before you even book your ticket.

Free Access to Over 1,200+ Airport Lounges Live the high life, before you take to the sky. Enjoy access to more than 1,200+ airport lounges around the world. As a Silkbank Visa Signature Credit Cardholder, you can enjoy up to a maximum of 12 visits in a calendar year to over 1,200+ Airport Lounges across the world via Visa Airport Companion App (VAC)

The first visit to the Lounge in the calendar year is complimentary. However, in order to be eligible for the subsequent complimentary visits in the same calendar year, the cardholder (separately for Primary and Supplementary cardholders) needs to make a minimum international spend of USD 1. If the cardholder exceeds the maximum number of complimentary visits (i.e. 12 visits in a calendar year) or does not meet the above conditions, Lounge Key shall charge USD 32 to the card.

To enjoy airport lounge services, download the VAC app and enroll your cards:

Download App from Play store:

https://play.google.com/store/search?q=visa+airport+companion+app&c=apps&hl=en

Download App from Apple Store:

https://apps.apple.com/us/app/visa-airport-companion/id1291608009

A) IHG Hotel & Resort Offers: Up to 15% off. For booking visit https://www.ihg.com

B) Agoda Offer: Save up to 15% off. For booking visit www.agoda.com

C) Budget Car Rental: Up to 10% off. For booking visit https://avisbudgetgroup.com

D) Rentalcars: Enjoy Instant 10% off. For booking visit Rentalcars.com

E) Avis Car Rental: Get up to 35% on standard rates, and up to 30% on international leisure rates. Visit www.avisworld.com/visa

F) Medical & Travel Assistance Silkbank Visa Signature Cardholders can travel the world knowing that their elite status will keep them protected. Medical services include telephone medical advice, essential medicine and equipment delivery, dispatch of physician to cardholder location, interpreter referral, etc. For more information, call +971 (4) 253 6024.

G) Visa Luxury Hotel Collection VLHC is composed of over 900 intriguing and prestigious properties. All properties, from boutique gems to world famous hotels, provide a premium collection of benefits specially designed to o er an unparalleled experience. Silkbank Visa Signature Credit Cardholders must book through www.visaluxuryhotels.com to view over details and avail offers.

H) Jumeriah Hotel Offers: Enjoy up to 25% on stays at selected Jumeirah properties. All reservations must be made via https://www.jumeirah.com/en/offers/global-offers/visa-offers

I) Booking.com: Enjoy up to 10% cashback on Booking.com. Visit //www.booking.com/10visacemea

Cashback on Silkbank Visa Credit Card:

Card Variant	Local Cashback Points	International Cashback Points
Visa Classic	0.25%	0.50%
Visa Gold	0.25%	0.50%
Visa Platinum	0.25%	0.50%
Visa Signature	0.50%	1%

*Double Cashback for Education on both Local & International Spend

Upper Limit of Cashback:

Up to 2% Cashback Points

MasterCard Credit Cards reward points:

Group 1	Reward Points Multiplier	Group 2	Reward Points Multiplier
Supermarket	1x	Apparel & Clothing	1x
Hotels	2x	Fuel	2x
Tours & Travels	3x	Restaurants	3x
Airlinesature	4x	Hospitals & Medical	4x
Education & Bookstores	5x	Pharmacies	5x

Card Fee:

As per the SOC: https://www.ubldigital.com/More/ScheduleofCharges

How to Apply?

We are pleased to inform you that all new card applications will now be processed by United Bank Limited (UBL). For more information or assistance on applying for a UBL Credit card:

Apply online now!
Contact UBL's dedicated support team at 111-825-888.
Visit your nearest UBL branch.

We look forward to serving you with enhanced services and benefits.

FAQs:

Click here to view former Silkbank Credit Card FAQs.

For your assurance, please note that the following numbers belong to former Silkbank’s dedicated Credit Card team and are operated through official, recorded lines:

021-37130360
021-38655255

Silkbank Credit Cards