UBL Credit Cards Annual Fee

As UBL announced earlier this year, 2023 marks a decade since the launch of our highly popular UBL Visa credit card. Over the past ten years, this card has become a trusted companion for millions of customers across Pakistan who enjoy earning rewarding points on every purchase. However, all good things must evolve with time. Beginning January 2024, UBL will be introducing an annual fee of Rs. 2000 for our Visa credit card a small price to pay for the unbeatable value and experience this card delivers. While no one enjoys paying more, I hope this brief post helps provide some context around our decision and highlights the many additional benefits we are introducing to make the fee well worth it for our loyal customers.

Before diving into the specifics, let’s take a moment to familiarize ourselves with UBL credit cards. UBL (United Bank Limited) offers a range of credit cards tailored to meet the diverse needs of their customers. These cards provide convenience, flexibility, and a wide array of benefits. Understanding annual fees is an essential part of managing your credit card effectively.

Understanding UBL Credit Card Annual Fees

Annual fees are charges imposed by credit card issuers to maintain and manage your credit card account. These fees help cover the costs associated with providing credit card services and benefits. It’s crucial to have a clear understanding of annual fees, as they form a significant part of the overall cost of owning a credit card.

Different Types of Annual Fees Charged by UBL

UBL credit cards come with various types of annual fees, each serving a specific purpose. These fees can include the basic card fee, supplementary card fee, and other charges. Let’s explore each type in detail.

Ubl Annual Fee Breakdown for 2024

For the year 2024, UBL has released their updated annual fee schedule for credit cards. Here’s a breakdown of the annual fees for each category:

  • Silver Category: The annual basic card fee for Silver category stands at Rs4,000, and the supplementary card fee is Rs2,000.
  • Gold Category: The annual basic card fee for Gold Credit Card is Rs8,000, and the supplementary card fee is Rs4,000.
  • Platinum Category: UBL has increased the annual fee for the Platinum credit card to Rs16,000. The supplementary card fee for the Platinum category is Rs8,000.

It’s important to note that these fees are subject to change, and it’s advisable to refer to the latest updates from UBL for accurate information.

Factors Affecting Annual Fees

Several factors can influence the amount of the annual fee charged for a credit card. These factors may include the type of card, credit limit, cardholder’s creditworthiness, and the benefits and rewards associated with the card. It’s essential to be aware of these factors and understand how they can impact the annual fee.

Comparing Annual Fees with Competitors

When evaluating credit cards, it’s always beneficial to compare the annual fees of different banks and financial institutions. By doing so, you can gain insights into the competitiveness of UBL credit card annual fees. Take the time to research and compare the fees charged by other banks to ensure you are getting the best value.

Tips to Maximize the Value of Annual Fees

Paying an annual fee doesn’t have to be just an expense. With the right approach, you can make the most of the fee paid and maximize the value of your credit card. Here are a few tips to help you get the most out of your UBL credit card:

  1. Utilize Rewards and Benefits: Explore the rewards and benefits associated with your credit card. Take advantage of cashback offers, airline miles, discounts, and other perks to make your annual fee worthwhile.
  2. Optimize Credit Card Usage: By using your credit card responsibly and paying your bills on time, you can build a positive credit history and potentially qualify for better terms and conditions in the future.
  3. Evaluate Card Features: Regularly review the features and benefits of your UBL credit card.If necessary, consider switching to a different card to better suit your needs.


Understanding the UBL Credit Cards Annual Fee for 2024 is vital for effectively managing your credit card. By being aware of the fees charged, considering the factors that influence them, and utilizing the benefits and rewards offered by UBL, you can make informed decisions and make the most of your credit card. Remember to stay updated with the latest information from UBL regarding annual fees and other charges.

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