UBL Credit Card Charges 2026: Annual Fee for Every Card, Late Payment, APR and Cash Advance (Full List)
UBL credit card charges 2026: annual fee Rs 6,000 Classic to Rs 30,000 Signature, 44% APR, Rs 2,200 late fee, Rs 1,200 cash advance. See every fee listed.
A UBL Visa credit card costs Rs 6,000 a year for Classic, Rs 12,000 for Gold, Rs 22,000 for Platinum and Rs 30,000 for Signature, under UBL's schedule of charges for July to December 2026. A late payment costs Rs 2,200, and unpaid balances are charged at an APR of 44%. Cash advances cost Rs 1,200 or 3% of the amount, whichever is higher.
We read the credit card section of UBL's July to December 2026 schedule of charges on 28 October 2026. Below is every annual and supplementary fee, including the Mastercard fees for former Silkbank customers. You will also find the markup rates, what a missed payment costs in rupees, and the charges you can avoid.
UBL credit card annual fees run from Rs 4,000 to Rs 30,000
UBL charges a yearly fee on each primary credit card: Rs 6,000 for Visa Classic, Rs 12,000 for Gold, Rs 22,000 for Platinum and Rs 30,000 for Signature. Former Silkbank Mastercard holders pay Rs 4,000 to Rs 18,000. Supplementary cards cost about half.
| UBL credit card | Primary card a year | Supplementary card |
|---|---|---|
| Visa Classic | Rs 6,000 | Rs 3,000 |
| Visa Gold | Rs 12,000 | Rs 6,000 |
| Visa Platinum | Rs 22,000 | Rs 11,000 |
| Visa Signature (former Silkbank) | Rs 30,000 | Rs 15,000 |
| Mastercard Standard (former Silkbank) | Rs 4,000 | Rs 2,000 |
| Mastercard Gold (former Silkbank) | Rs 8,000 | Rs 4,000 |
| Mastercard Titanium (former Silkbank) | Rs 14,000 | Rs 7,000 |
| Mastercard Platinum (former Silkbank) | Rs 18,000 | Rs 9,000 |
The Mastercard rows exist because UBL took over Silkbank's customers. Its schedule labels them "Mastercard former Silkbank Customers", and "Ex-SBL" means ex Silkbank. Annual fees can sometimes be waived for a spending target, but the schedule says charges are negotiable only with a business head's approval. Ask before your renewal date, not after the fee is billed.
UBL charges 44% a year on unpaid balances
If you do not pay your UBL credit card bill in full, the unpaid balance is charged at an APR of 44% for both shopping and cash advances. Cash on Phone is charged at 35%, the Lite Instalment Plan at 29%, and balance transfers at up to 28%.
APR is the yearly rate. Divide 44% by 12 and it comes to about 3.67% a month, which is our arithmetic. On Rs 50,000 left unpaid for a month, that is about Rs 1,833 in markup before tax. If you also miss the minimum payment, the Rs 2,200 late fee comes on top.
| Type of borrowing | UBL APR | About a month (our sum) |
|---|---|---|
| Retail purchases left unpaid | 44% | 3.67% |
| Cash advance | 44% | 3.67% |
| Cash on Phone | 35% | 2.92% |
| Lite Instalment Plan | 29% | 2.42% |
| Balance Transfer Facility | Up to 28% | Up to 2.33% |
For promotional balance transfers at 0% APR, UBL charges a one time processing fee instead: 5.25% of the amount for 3 months, 9% for 6 months, 12.75% for 9 months and 16.5% for 12 months. A "free" 12 month plan therefore costs 16.5% upfront. More plans are compared under credit card instalment plans.
A late UBL payment costs Rs 2,200, and over limit costs Rs 1,600
UBL charges Rs 2,200 if the minimum payment is late and Rs 1,600 for going over your credit limit. Cash advances cost Rs 1,200 or 3%, whichever is higher. Foreign transactions cost 4.5% or Rs 100, whichever is higher.
| UBL credit card charge | Amount |
|---|---|
| Late payment fee | Rs 2,200 |
| Over limit fee | Rs 1,600 |
| Cash advance fee | Rs 1,200 or 3%, whichever is higher |
| Foreign currency transaction | 4.5% or Rs 100, whichever is higher |
| Card replacement | Rs 1,200 |
| Card conversion or upgrade | Rs 1,000 |
| Credit limit enhancement | Rs 1,000 |
| Return cheque | Rs 1,000 |
| Premature settlement of a plan | Rs 1,000 or 5% of the outstanding, whichever is higher |
| Disputed transaction arbitration | USD 500 or equivalent |
A cash advance of Rs 20,000 costs at least Rs 1,200 in fees, because 3% of Rs 20,000 is only Rs 600 and the higher figure applies. Markup at 44% also starts from the day you take the cash. Use your debit card for cash. Before raising a dispute, try the bank's own chargeback process, because arbitration carries the USD 500 charge.
Several UBL credit card services are free
UBL lists SMS alerts, duplicate statements, utility bill payments through the card and 1-Bill payments as free on its credit cards. Gym and golf visits beyond the free ones cost Rs 2,000 plus tax a visit.
Free services are the easy part. The charges that really cost money are interest and the late fee, and both are easy to avoid. Here is the routine that keeps a UBL card close to free beyond the annual fee.
- Note your statement date and due date from your first UBL statement.
- Pay the full balance before the due date, through the UBL Digital app or 1-Bill.
- If you cannot pay in full, pay at least the minimum so the Rs 2,200 late fee does not apply.
- Keep spending under your limit, or the Rs 1,600 over limit fee applies.
- Check each statement for the annual fee month and any charge you do not recognise.
SBP rules set what your statement must show and how long you get to pay, and those rights apply to UBL too. They are explained under credit card due dates and statement rights. To use the app for payments, follow the UBL Digital app registration steps.
Common questions
What is the UBL credit card annual fee?
Rs 6,000 for Visa Classic, Rs 12,000 for Gold, Rs 22,000 for Platinum and Rs 30,000 for Signature, under the July to December 2026 schedule. Former Silkbank Mastercard holders pay Rs 4,000 to Rs 18,000.
What is UBL's credit card late payment fee?
Rs 2,200 if the minimum payment is not received by the due date.
What interest does a UBL credit card charge?
An APR of 44% on unpaid purchases and cash advances, which is about 3.67% a month. Cash on Phone is 35% and the Lite Instalment Plan 29%.
Does UBL charge for a credit limit increase?
Yes. The schedule lists a credit limit enhancement fee of Rs 1,000. You apply with UBL's limit enhancement request form.
Are UBL credit card SMS alerts free?
Yes. UBL's schedule lists SMS alerts as free on credit cards. Duplicate statements and utility bill payments through the card are also free.
How we verified this
What we checked, where we read it, and what we could not confirm.
We read the credit card section of UBL's July to December 2026 schedule of charges, linked from its charges page, on 28 October 2026. Some rows in the PDF do not line up when the text is extracted. We have left out the balance transfer booking and cancellation fees because we could not match each figure to its row with certainty. Monthly rates and rupee examples are our arithmetic. Taxes are added where they apply.
About the author
Senior Writer, Public Services and Technology
Shahid joined us in 2024 as an author. He is a senior contributor to Pakistan's leading technology websites. He writes detailed articles, mostly covering his expertise in the latest tech, mobiles, apps, gadgets, and step-by-step guides. His ideology is to help people understand the latest trends and explain complex methods through very easy-to-understand guides.
