Issued by United Bank Limited (UBL)
Specially designed for IT professionals and remote digital freelancers. Directly linked to Exporter Special Foreign Currency (ESFCA) accounts to facilitate USD payments for SaaS, hosting, and international equipment.
Directly spends from retained 50% USD foreign currency export proceeds.
Zero-friction online checkout for AWS, GitHub, Google Cloud, Figma, and OpenAI.
Discounted foreign transaction markup for registered software exporters.
Approved for instant linking to PayPal (receive via remittance), Payoneer, and Wise.
| Card Name | UBL Visa Freelancer Debit Card |
|---|---|
| Issuing Financial Institution | United Bank Limited (UBL) (Karachi, Pakistan) |
| Card Network | VISA |
| Card Type | Debit Card |
| Primary Category | Freelancer & Digital Exporter |
| Annual Fee | PKR 2,500 / year (Waived on $500 monthly export remittance) |
| Interest Rate / APR | 0% (Linked to Freelancer Digital / FCY Account) |
| Rewards & Cashback Rate | 1 Point / PKR 100 + Zero SBP Withholding Surcharge |
| Foreign Transaction Fee | 1.5% - Subsidized Foreign Transaction Rate |
| Airport Lounge Access | Standard Access |
| 0% Installments / Financing | No |
| Welcome Bonus Offer | Free Digital Debit Card + Fast-Track Remittance Settlement |
| Eligibility & Credit Score | Freelancer Exporter Account (Upwork, Fiverr, Remote IT) |