Here’s How You Can Get A UBL Credit Card Easily in 2025

By Abdul Wasay ⏐ 6 months ago

If you want a card that offers both everyday financial convenience and premium perks, United Bank Limited (UBL) has a wide selection to meet your needs. Whether you’re just starting to build your credit history or seeking elite benefits like lounge access, insurance, and international usage, UBL credit cards cover a range of lifestyles and income brackets.

From contactless payments to installment plans, their cards offer features designed to enhance your shopping, travel, and payment experiences. Choose from their Classic, Gold, and Platinum offerings, each embedded with chip security, robust fraud protection, and reward programs tailored to reward your every spend. Let’s explore how to get one—and what to expect.

UBL Credit Card: Eligibility Requirements

Before applying, make sure you meet the following conditions:

Age: 21–60 years
Residency: Must be a Pakistani citizen with a valid CNIC
Account Status: You should have an active UBL bank account or demonstrate sufficient income
Credit History: A good credit profile with no significant defaults

Income Requirements

Salaried Individuals: Gross monthly salary of PKR 35,000 or more
Self-Employed Individuals: Must provide verifiable proof of income. Required income may vary depending on the card tier.

NOTE: Banks rarely publish specific minimum income requirements for each card tier on their main public websites, but they do have internal criteria. However, PKR 35,000 is a common entry-level minimum for credit cards in Pakistan across various banks.

UBL Credit Card Application Methods

UBL offers multiple convenient ways to apply:

Online via UBL Digital App or Website: Visit the Apply Now portal and fill out the credit card application digitally
UBL Helpline: Call 111-825-888 to apply or inquire about your eligibility
Branch Visit: Visit the nearest UBL branch to complete the application process with the help of a representative

Required Documents

Keep the following documents ready when applying:

Copy of valid CNIC
Latest salary slips (for salaried individuals)
Six months to 1 year of bank statements (for self-employed applicants)
Employer or business letter verifying your income (if applicable)

UBL Credit Card: Approval and Activation

Approval Timeline

Online/App Submission: Pre-screened or eligible customers may get approval within an estimated 4-5 working days
Branch or Helpline: Applications may take 5–7 working days to process

Card Delivery

Once approved, your credit card is dispatched to your registered mailing address via courier

Activation Process

Call 111‑825‑888 to activate your card
Set your 4-digit PIN
You can also activate your card through the UBL Digital App or at UBL ATMs

Benefits of UBL Credit Cards

UBL’s credit cards are designed with security, flexibility, and rewards in mind:

Chip Security & Global Acceptance: Use your card globally wherever Visa or MasterCard is accepted
Supplementary Cards: Add up to 6 family members (subject to change based on individual situation) with individually adjustable limits
Reward Points: Earn 1 point per PKR 100 on local spend and 3 points on international transactions with Platinum cards
Airport Lounge Access: CIP lounge access at major airports in Pakistan; Priority Pass available for international lounges
Travel & Health Insurance: Accidental death, permanent disability, and international medical insurance is offered on premium cards
Zero Liability Protection: Unauthorized transactions reported promptly are covered under UBL’s liability waiver policy
Flexible Payment Plans: Pay as little as 5% of your total bill each month. Enjoy balance conversions and installment payment options
Balance Transfer & EMI Plans: Transfer outstanding balances from other banks
Transaction Alerts & E-Statements: Get SMS and email notifications for every transaction and digital monthly statements

Frequently Asked Questions (FAQs)

Can I get supplementary cards?

Yes, UBL offers up to 6 supplementary cards. The supplementary cardholder must be at least 14 years of age.

How do the reward points work?

You earn points on every transaction. These points can be redeemed against your bill or used for purchasing items from UBL’s rewards catalog.

What are the applicable interest rates?

Installment plans and balance transfers may carry lower rates depending on tenure and plan.

Can I use the UBL credit card internationally?

Yes, all UBL credit cards are internationally accepted at any merchant or ATM that supports Visa or MasterCard.

What should I do if I lose my card?

Immediately call 111-825-888 to block your card. You can also do this via the UBL app. A replacement card can be issued after identity verification.

Final Thoughts

UBL’s credit card range brings together global access, lifestyle perks, and essential financial control, all under one roof. Whether you’re using your card to pay for everyday groceries, booking international flights, or managing large expenses with flexible EMIs, UBL gives you the power to manage your finances with ease.

For professionals, frequent travelers, or students just entering the financial world, there’s a card that fits every profile. With solid digital banking integration, robust security, and attractive reward programs, a UBL credit card isn’t just a tool; it’s a lifestyle companion.