Your UBL Credit Card Features

Low Balance Transfer Rate
Save Big Time

Now you can really save big time with your UBL Credit Card Balance Transfer Facility! You have the opportunity to pay off balances you owe to other banks through your UBL Credit Card on a low balance transfer rate.

Transferring your balances to your UBL Credit Card is simply a phone call away, just call our 24-hour “You First Phone Banking” at 111-825-888.

You can also fill in the Balance Transfer form included in the Welcome Pack and mail it to the UBL Card Centre address mentioned on it. Alternatively, you may simply use the drop box facility available at all designated Card Payment Branches nationwide to forward your application.

Note: Balance Transfer request may take from 7 to 10 working days to process.


24 Hour Customer Service
By simply calling our 24 hour ‘You First Phone Banking’ at 111-825-888 or logging onto our website www.ubl.com.pk, you can avail the following facilities on your UBL Credit Card, 24 hours a day, 7 days a week.

Complete online access to your card account including credit card transactions and billing statements
Chip Rewards information
Pay UBL Card bill



Cash Advance
You can now withdraw cash through your UBL Credit Card’s instant cash advance facility from any designated UBL Card Payment Branches nationwide and more than 780,000 ATMs and financial institutions worldwide displaying VISA/PLUS logo.

The service charges for cash advance will be applied from the day of the transaction. A cash advance fee will also apply for each cash withdrawal.


Upto 4 Free Supplementary Cards
To share the value, excitement and benefits of your UBL Credit Card with your loved ones, your UBL Credit Card offers you up to 4 free supplementary cards.

For your convenience, both your own, and the supplementary card transactions will be clearly itemized in your monthly statement. This will let you know at a glance how the spending took place and who spent how much, hence making it easier to manage the spending on each of your cards.

The more spending there is on your supplementary cards, the more Free Roadmiles or Classic Reward points are earned on your account. Also, the supplementary card holder benefits by earning instant and exciting UBL Chip Rewards on his/her own card.

The limit on all supplementary cards can be controlled according to your instructions at the time of application, or later by a simple phone call to UBL’s 24-hour ‘You First Phone Banking’ at 111-825-888.To apply for a supplementary card now, please fill in the supplementary card application form and mail it to the UBL Card Centre. Alternatively, you may simply use the drop box facility available at all designated Card Payment Branches nationwide to forward your application.


Buy Today, Pay Later
Your UBL Credit Card gives you the financial flexibility to buy today and pay after a month at no extra charge. You have the option of paying a minimum 5% of the outstanding balance or any other amount of your choice up to your total account balance.

A service charge of only 3.25% per month will apply to whatever remaining unpaid balance that is carried forward.


Credit Guardian
UBL takes care of its Credit Cardmembers payments in time when they cannot. Our Cardmembers can now get total peace of mind and insure themselves against unforeseen emergencies. In the event of any temporary disability where UBL Cardmember is unable to pay his/her monthly dues, Credit Guardian will allow payment of the outstanding monthly amount. Moreover, in the unfortunate event of permanent disability or death, the entire outstanding amount will be waived off. Credit Guardian Facility is available for a minimal fee, charged automatically on the card balance every month.

Cardmembers can opt for this facility by calling our 24-hour “You First Phone Banking” at 111-825-888.



Free Travel Accident Insurance
Each time our Cardmembers use their UBL Credit Card to purchase airline, train or bus tickets, they are automatically covered against any sort of accident that might befall them while traveling:

The coverage amounts are:


Classic Card: Up to Rs. 3.5 Million
Gold Card: Up to Rs. 7 Million



Zero Loss Liability
Isn’t it comforting to know that if you lose your card, you have nothing to worry about! You are covered for all fraudulent charges made on your card as soon as it has been reported lost to us. So make sure that you report the loss immediately upon discovery at UBL’s 24 – hour “You First Phone Banking” at 111-825-888. Rest assured that with your UBL Credit Card, you are completely secure against loss and theft.



Free CIP Lounge Access
Take advantage of the special CIP Lounge at Karachi International Airport with free secretarial services, free buffet, internet connection, reading material and 24 - Hour porter facilities. Just present your card at the lounge and enjoy the privileged treatment you deserve.



How and Where to Pay
Your Monthly Card Payment

For the monthly payment of your UBL Credit Card bill, you can simply use any of the following payment channels:



Cheque Payments: Drop Box or By Mail
Simply send a cheque in favour of UBL Credit Card Center (address pre-printed on Card Payment envelope enclosed with your card billing statement), or
Through the drop box facility available at all designated branches (see the designated Card Payment Branches address on the card payment envelope enclosed with your card billing statement).
Please remember to write your name and credit card number at the back of the cheque and send it enclosed with detached payment slip from the bottom portion of your card statement.
Please do not send any cash inside your payment envelope.
Payment by cheque is first sent for clearing and only after funds are received is the payment posted to your account. This procedure takes approximately 3 business days.


‘You First Phone Banking’
at 111-825-888


If you are already a UBL account holder, then paying your UBL Credit Card bill is as easy as making a phone call.
Simply call UBL’s 24 Hours ‘You First Phone Banking’ at 111-825-888 where our Phone banker will assist you in making your payment.


‘UBL netbanking’
www.ubl.com.pk


Being a UBL account holder, you can pay your monthly card bill online by simply logging onto www.ubl.com.pk

Cash at Counter

You can make cash payment at all designated UBL Card Payment Branches nationwide during banking hours (see designated Card Payment branches list at the back of the Card Payment envelope).