UBL Gold Credit Card

A card that provides you free travel accidental insurance up to Rs. 7 Million with unique rewards program

Interest Rate / APR
Chip Maintenance Fee
Cash Advance Fee
1000 or 3% whichever is higher
Annual Fee
  • Pros

    - Free credit limit up to 51 days

    - Provides you cash advance facility up to 70% of credit limit

    - The card can be globally accessed all over the world

  • Cons

    - High annual fee

    - High interest but offers good associate benefits

    - Beware of late fees charges involved with this card

  • Features

    - Enjoy complimentary CIP lounges access in Pakistan

    - Enjoy attractive discounts on shopping and dinning

    - Avail cash advance and balance transfer facility at the lowest rate

    - Payback your other credit card’s outstanding in equal installments of 3 to 36 months at lowest markup rate

    - Provides you insurance cover against travel inconvenience and Medical related emergencies

    - Pay your outstanding amount on easy monthly installment instead of the complete amount

    - Avail various insurance plans through your card and secure your family future

    - Get 6 supplementary cards for your family

  • Eligibility

    Salaried Person:
    - Salary requirement not stated by bank
    - Age Limit:  21 - 60 years
    - Documents required: CNIC, Salary slips, Bank statement, Letter from employer

    Self-Employed / Businessmen:
    - Income requirement not stated by bank
    - Age Limit:  21 - 65 years
    - Documents required: CNIC, NTN, Proof of business, Bank statement

Other Details

  • Maximum Credit Limit

    Up to 5-6 times of salary

  • Interest Free Period

    51 Days

  • Balance Transfer Rate


  • Cash Advance Fee Annual (PKR)

    1000 or 3% whichever is higher

  • Cash Advance Rate (%)


  • Rewards Program

    UBL PSO Road Miles

  • Reward Points

    Get free fuel from any PSO outlet on spending Rs. 5000 or more

  • Late Payment Fee (PKR)


  • Foreign Transaction Fee (PKR)


  • Targeted For

    Salaried Person and Businessmen

  • Min. Income for Salaried (PKR)

    Salary requirement not stated by bank

  • Min. Income for Businessman (PKR)

    Income requirement not stated by bank

  • Best Suitable For

    Discounts and rewards

  • Minimum Age (Years)

    21 Years

  • No. of Supplementary Cards


  • Payment Network


  • Loung Access

    Free CIP lounges access

Additional Offers: Get up to 50% discount on various categories