UBL ATM Card: Request, Activate and Lock in the UBL Digital App, With Fees for Every Card

You can request, activate and lock a UBL ATM card in the UBL Digital app. To order one, go to Accounts, then Card Management, then Request Card. UBL's annual fee is Rs 2,000 for a PayPak card and Rs 2,900 for a Visa or Mastercard Premium card. For help, call 111-825-888.

UBL's card pages are spread across half a dozen product pages, each with its own fee table and limit. We read all of them on 24 October 2026, along with the UBL Digital App page, and put them in one place. Below: how to order a card in the app, how activation and locking work, the fee and limit for each card, and what to do if the card goes missing.

Order a UBL debit card in the app under Card Management

UBL's card pages give the exact path in the UBL Digital app or internet banking: Login, Accounts, Card Management, Request Card, Physical, select the card type, enter the name on card, and Apply. After processing, UBL's contact centre calls you to issue the card.

1. Log in to the UBL Digital app or UBL internet banking.
2. Open Accounts, then Card Management.
3. Tap Request Card and choose Physical.
4. Select the card type: PayPak, Visa Premium or Mastercard Premium.
5. Type the name you want printed on the card.
6. Tap Apply, then wait for the call from UBL's contact centre.

Two other routes exist. You can fill in the application form at any UBL branch, or call 111-825-888 for help. New customers must first open an account at a branch, or in the app with a Smart Account. If you are not on the app yet, UBL Digital app registration needs your CNIC, a SIM on your own CNIC and a fingerprint scan.

UBL card fees run from Rs 2,000 to Rs 2,900 a year

UBL's product pages list the PayPak card at Rs 2,000 a year and the Visa Premium and Mastercard Premium cards at Rs 2,900. Replacement costs Rs 1,800 on all three. The Signature Mastercard is free for Signature Priority Banking customers.

PayPak suits local use and saves Rs 900 a year over Premium

UBL describes the PayPak card as designed for local transactions at ATMs, shops and online. If you never travel or buy from foreign websites, it costs Rs 900 a year less than a Premium card. Premium cards double the daily cash limit to Rs 200,000.

The Rs 900 gap is our arithmetic from UBL's two prices. The limits matter as much as the fee. A shopkeeper who pays suppliers by card may need the Premium card's Rs 300,000 daily shopping limit, while a salaried person drawing cash twice a month rarely comes near the PayPak limit of Rs 100,000.

UBL's product pages do not say whether these figures include tax. UBL's full schedule of charges is the place to check. To see how UBL's fees sit against other banks, the debit card annual fees across Pakistani banks are compared side by side.

Activate and lock the UBL card from the same app

UBL says you can activate a new debit card in the UBL Digital app in a few taps, without calling anyone. The same app locks a missing card, unlocks it when you find it, changes the card PIN and shows the card's status.

UBL describes these tools on its app page but does not print the activation taps in text. If you cannot find the option, call the 24/7 call centre on (021) 111-825-888 and ask for card activation. From abroad, UBL lists +92-21-32446949.

Activation matters for your money too. Under the State Bank's conduct rules, the annual fee can start only after you activate a debit card. A card you did not ask for can be refused instead of switched on.

Lock a missing UBL card first, then call 111-825-888

If your UBL card is missing, lock it straight away in the UBL Digital app, and unlock it if it turns up at home. If it was stolen, or you see a payment you did not make, call (021) 111-825-888 and report it.

A lock in the app stops new payments at once, which is why it should come before the phone call. Then ask the call centre for a replacement, which costs Rs 1,800 on every UBL card except Signature. State Bank rules also say a bank must answer a lost or stolen card call within one minute.

Never give your PIN, card number or app OTP to a caller, even one who says they are from UBL's card team.

Complaints about a card charge

UBL takes complaints on the call centre, by email at customer.services@ubl.com.pk, through its website, at any branch, and inside the UBL Digital app from the top-left icon on the main screen. Keep the reference number for every complaint.

Common questions

How do I apply for a UBL ATM card online?

In the UBL Digital app or internet banking, go to Accounts, Card Management, Request Card, choose Physical, pick the card type, enter the name and Apply. UBL's contact centre then calls you.

What is the UBL PayPak debit card annual fee?

Rs 2,000 for the basic card, Rs 1,200 for a supplementary card and Rs 1,800 for a replacement, according to UBL's PayPak card page.

How much cash can I withdraw with a UBL card in a day?

Rs 100,000 on PayPak, Rs 200,000 on the Visa or Mastercard Premium cards, and Rs 1,000,000 on the Signature card.

Can I lock my UBL card without calling?

Yes. UBL says you can lock the card in the UBL Digital app and unlock it later from the app.

What is the UBL helpline for cards?

UBL's 24/7 call centre is (021) 111-825-888. Signature Priority Banking customers have 0800-99825.

Is the UBL Signature debit card really free?

UBL's Signature card page lists the annual, supplementary and replacement fees as free. The card is for Signature Priority Banking customers.

How we verified this

What we checked, where we read it, and what we could not confirm.

We read UBL's PayPak debit card page, its Visa Premium, Mastercard Premium and Signature debit card pages, its Omni PayPak page, its Digital App page and its contact page on 24 October 2026. Fees, limits, the request path and helpline numbers come from those pages. UBL does not say on them whether the fees include tax, and it does not publish the in-app activation taps in text. We did not order or activate a card.