Issued by United Bank Limited (UBL)
Entry-level consumer credit card designed for first-time cardholders, offering Lite Installment Plans, emergency cash-on-phone, and PKR 3.5M travel insurance.
Affordable revolving credit limit for day-to-day shopping and utility payments.
Automatic accident coverage when travel fares are paid using the card.
Convert purchases into affordable 3 to 36-month equal monthly installments.
Instant cash disbursement directly into your bank account via UBL Contact Center.
| Card Name | UBL Visa Classic Credit Card |
|---|---|
| Issuing Financial Institution | United Bank Limited (UBL) (Karachi, Pakistan) |
| Card Network | VISA |
| Card Type | Credit Card |
| Primary Category | No Annual Fee / Low Fee |
| Annual Fee | PKR 3,500 / year (Waived on PKR 35k annual spend) |
| Interest Rate / APR | KIBOR + 14% p.a. |
| Rewards & Cashback Rate | 1 Point / PKR 100 spent |
| Foreign Transaction Fee | 3.5% + SBP Advance Tax |
| Airport Lounge Access | Standard Airport Lounge Rates |
| 0% Installments / Financing | Lite Installment Plan (LIP): 3 to 36 months |
| Welcome Bonus Offer | 1,000 Activation Points |
| Eligibility & Credit Score | Min Monthly Income: PKR 35,000 |