UBL
No Annual Fee / Low Fee
•••• •••• •••• 9505
VALID THRU 12/29
UBL PayPak Debit Card
PAYPAK
🇵🇰 Pakistan 100% Domestic Scheme Domestic Debit Card

UBL PayPak Debit Card

Issued by United Bank Limited (UBL)

Pakistan's sovereign domestic payment scheme. Provides secure, highly affordable ATM cash withdrawals and local merchant POS transactions without foreign scheme surcharges.

Annual Fee PKR 1,800 / year (Economical)
Reward Rate Domestic Retail Discounts
APR / Profit Rate 0% (Linked Account)
Apply via Official UBL Site → Compare with Other Cards

Exclusive Features & Cardholder Privileges

✓

Pakistan Sovereign Scheme

Settles 100% locally via 1Link, keeping all transaction data within Pakistan.

✓

Lowest Annual Card Fee

Most budget-friendly card in the UBL debit portfolio at only PKR 1,800/year.

✓

Nationwide 1Link ATMs

Cash withdrawals and balance inquiries at over 18,000 ATMs across Pakistan.

✓

PIN-Protected EMV Chip

Robust chip security safeguarding against local skimming and unauthorized use.

RichQuill Editorial Verdict: Pros & Cons

✓ What We Like

  • Lowest annual fee of any UBL debit card
  • No international exchange surcharges
  • Reliable nationwide 1Link interoperability

⚠ Considerations

  • Cannot be used outside Pakistan or for international websites (e.g. Netflix, Amazon)

Detailed Fees & Specifications

Card Name UBL PayPak Debit Card
Issuing Financial Institution United Bank Limited (UBL) (Karachi, Pakistan)
Card Network PAYPAK
Card Type Domestic Debit Card
Primary Category No Annual Fee / Low Fee
Annual Fee PKR 1,800 / year (Economical)
Interest Rate / APR 0% (Linked Account)
Rewards & Cashback Rate Domestic Retail Discounts
Foreign Transaction Fee N/A (Domestic Only)
Airport Lounge Access Standard Access
0% Installments / Financing No
Welcome Bonus Offer Basic Onboarding
Eligibility & Credit Score All UBL Account Holders