Last Updated: January 06, 2026
UBL credit card holders can access exclusive discounts and offers
UBL Credit Cards combine global acceptance, advanced security, and rewarding privileges. From reward points and cashback to airport lounge access, installment plans, and insurance coverage, UBL Credit Cards make everyday spending convenient, secure, and rewarding.
Card / Category | Benefit | Description |
|---|---|---|
Classic Credit Card | Reward Points | Earn 1 point per PKR 100 spent locally. Redeemable for cash-back or products via UBL website. |
Classic Credit Card | Lite Installment Plan (LIP) | Convert retail transactions of PKR 5,000+ into EMIs (3β36 months) at 0% markup at participating merchants. |
Classic Credit Card | Cash Advance | Withdraw up to 50% of credit limit instantly at ATMs and UBL branches (charges apply). |
Classic Credit Card | Travel Insurance | Free accident coverage up to PKR 3.5 million on airline, train, or bus tickets purchased via card. |
Classic Credit Card | 3D Secure OTP | Enhanced online security with one-time password verification for internet transactions. |
Gold Credit Card | Reward Points | Earn 1 point per PKR 100 locally; earn 3x points on international spend. |
Gold Credit Card | Airport Lounge Access | Complimentary access to CIP Lounges across Pakistan. |
Gold Credit Card | Lite Installment Plan (LIP) | Convert transactions β₯ PKR 5,000 into EMIs (3β36 months) at 0% markup. |
Gold Credit Card | Travel Insurance | Accident coverage up to PKR 7 million for travel purchased via card. |
Gold Credit Card | Exclusive Discounts | Privileged pricing at leading merchants and lifestyle partners. |
Visa Platinum Credit Card | Reward Points | Earn 1 point per PKR 100 locally, 3x points internationally. Redeemable for statement adjustment or products. |
Visa Platinum Credit Card | Airport Lounge Access | Free access to CIP Lounges in Karachi, Lahore, Islamabad & Multan; optional Priority Pass for 1,000+ lounges worldwide. |
Visa Platinum Credit Card | Exclusive Perks | Worldwide offers and discounts via VISA international and privileged pricing at local merchants. |
Visa Platinum Credit Card | Lite Installment Plan (LIP) | Convert eligible transactions β₯ PKR 5,000 into EMIs (3β36 months). |
Visa Platinum Credit Card | Cash Advance & Cash on Phone | Withdraw up to 50% of the credit limit at ATMs or request via phone call. |
Visa Platinum Credit Card | Insurance & Protection | Travel accident insurance, zero loss liability, transaction protection cover, comprehensive health plans, family security plan, child education plan, hospital cash plan, and Credit Guardian facility. |
All Cards | Supplementary Cards | Up to 6 supplementary cards allowed; minimum age 14 years. |
All Cards | SMS & Email Alerts | Instant transaction notifications and electronic statements for easier account management. |
All Cards | Buy Today, Pay Later | Pay a minimum 5% or the full balance monthly with flexibility. |
All Cards | 3D Secure OTP | Online transaction security with 6-digit one-time passwords. |
All Cards | Lien Marked Credit Card | Available for housewives, senior citizens, or retirees with 70% credit limit secured by a bank account. |
Important Note: All discounts, rewards, and privileges are subject to eligibility, spending limits, and applicable terms. Benefits may change or be discontinued without prior notice.
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UBL customers can enjoy a variety of exclusive discounts across brands, travel, dining, and lifestyle categories to save more on everyday purchases.
UBL CashPlus is a flexible term loan designed for salaried individuals, offering features and options to meet various financial needs, available to those with a payroll account at UBL or any other bank in Pakistan.
Experience the best in online banking with the UBL Mobile App. Manage your accounts, pay bills, recharge, and access a range of banking services anytime, anywhere.