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Repair Windows errors before they cause bigger problemsFix Now →Fix the driver behind crashes, sound loss and screen glitchesFind Drivers →You can apply for a UBL credit card through the bank’s online application form, but UBL does not publish a minimum salary or a complete eligibility and document checklist on the reviewed public pages. The form asks for your contact details, CNIC, salary or income, profession and city. Applying does not guarantee approval, so confirm the current requirements and fees with UBL before submitting.
How to apply for a UBL credit card
- Choose a card tier to enquire about. UBL offers Visa Classic, Visa Gold and Visa Platinum. See UBL’s credit-card overview.
- Open UBL’s application form. Use the bank’s official Apply Now page.
- Enter the requested information. The form asks for your name, mobile number, email address, CNIC, salary or income, profession and city.
- Complete the verification code and submit. UBL’s form does not say that submission means automatic acceptance or provide a processing-time estimate.
- Confirm the details that are not published. Before you rely on a particular tier or apply, ask UBL to confirm your eligibility, supporting documents, applicable fees and approval process.
What UBL publishes about eligibility
The online form asks for salary or income and profession, but the reviewed application page and product overview do not state a minimum income, age threshold, employment-duration requirement, credit-history threshold or complete document checklist. You will need to ask UBL for the current requirements that apply to you. Do not assume eligibility terms published for another UBL product, such as a virtual prepaid card, also apply to this credit card.
Compare the three card tiers and annual fees
UBL lists three Visa variants. Its fee page, displayed as updated 11 September 2026, gives these primary annual fees and combined primary-and-supplementary retail-spend thresholds:
| Card | Primary annual fee on UBL fee page | Spend threshold shown for reversal |
|---|---|---|
| Visa Classic | PKR 6,000 | PKR 50,000 |
| Visa Gold | PKR 12,000 | PKR 100,000 |
| Visa Platinum | PKR 22,000 | PKR 300,000 |
There is a discrepancy for Platinum: UBL’s 2026 summary box, effective 1 January 2026, lists its annual fee as PKR 20,000, while the bank’s fee page, displayed as updated 11 September 2026, lists PKR 22,000. The same summary box lists Classic at PKR 6,000 and Gold at PKR 12,000, and says joining and issuance fees are free. Confirm the applicable Platinum fee, and any other charges relevant to your account, directly with UBL before applying.
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- RFID Protection: An electromagnetically opaque layer helps block unauthorized scans, protecting credit card, debit card, and passport information from nearby readers; This RFID blocking card helps prevent digital skimming by shielding your wallet from electronic theft
- Threats Stay Outside: Digital pickpockets use hidden readers to skim contactless cards in crowds, transit and checkout lines; This credit card protector works as an RFID blocker the moment it's placed in your purse or wallet, stopping electronic theft before it occurs
- Invisible Yet Active: Ultra-thin and sized to fit any wallet slot, this rfid blocking card adds no bulk; Invisible protection helps shield your debit cards and IDs from electronic skimming without changing the way you carry your wallet
- One Card Protects All: Forget slipping every card into a separate RFID sleeve, just one RFID blocking card protects every contactless card, passport, and license all at once; Carry it in a purse, travel pouch or cardholder and stay shielded at airports, transit hubs and during daily commutes
- Drop and Defend: Keep the RFID blocking card in your wallet or travel bag, or save it as a backup; Simply insert it alongside your credit and debit cards for immediate protection against identity theft — no charging, no setup
How the annual-fee reversal works
UBL’s fee page says the listed combined retail-spend threshold must be met within 60 days from the annual-fee charge or the basic card’s anniversary date. Its 2026 summary box describes the 60-day period in relation to statement generation and says cash advances, UBP and mobile top-ups do not count as qualifying spend. Since the official materials describe the timing differently, ask UBL which rule applies to your card and keep the relevant statement and terms.
UBL says the FED charged on the annual fee is not reversed. Do not treat a fee reversal as automatic: confirm the qualifying-spend rules and applicable taxes with the bank.
Rank #2
- Secure Your Information: Simply insert the RFID blocking card into your wallet to protect against digital pickpocketing. Block unauthorized scanning of your contactless cards, including credit/debit cards, passports, driver's licenses - to safeguard your identity and financial security
- Effective Protection: Our RFID blocking card utilizes advanced electromagnetic shielding technology, which features an embedded antenna mesh and chip that instantly detects and scrambles scanning attempts, providing consistent and reliable protection for the entire wallet
- Ultra Slim & Easy to Use: Credit-card-sized and just 0.03 inches (0.76 mm) thick, it slips easily into your wallet, purse or card holder adding no bulk. No charging or batteries needed. It will not demagnetize other cards, nor interfere with your phone signals
- A Thoughtful Gift: Give the practical gift of security. Effortlessly protecting your loved ones from digital theft – offering instant peace of mind, which is a truly meaningful way to show your care
- Test the Card: Test our RFID blocking card at self-checkout: Layer your contactless card with our RFID card on the reader - payment fails instantly, error message pops up
What to verify before submitting
- Which card tier fits your needs and what benefits UBL currently confirms for that tier.
- Your eligibility, the complete supporting-document list and the approval process.
- The annual fee that applies, especially for Platinum, along with any supplementary-card cost.
- The current qualifying-spend amount, eligible transaction types, 60-day deadline and tax treatment for an annual-fee reversal.
UBL’s product page also claims its cards are accepted at more than 29 million establishments in 130 countries and more than 40,000 outlets in Pakistan. These are UBL’s own published figures, not independently verified statistics.
Quick Recap
Best Value
- 1.[Blocks 13.56MHz Thieves Cold] Works on the 13.56MHz frequency (most common for contactless cards/passports/IDs). Built-in antenna + jamming chip detects radio waves and emits anti-scanning signals—stops high-tech pickpockets, keeps your cards/IDs/passport safe from data theft
- 2. [Lifetime 24/7 Protection] No batteries, no charging—works 24/7/365 non-stop. Just slip 1 card into your wallet or passport holder, and you’ll get instant dual-sided defense. Perfect for daily runs, shopping trips, or travel—shield your identity and finances from theft, no extra effort needed
- 3. [Ultra-Slim & Hassle-Free] Same size as a standard credit card, only 0.03in thick—slides right into wallet slots, cardholders, or even pockets without bulking things up. Best of all: 1-2 cards protect all your sensitive cards in the wallet. Save space, skip the hassle
- 4. [Practical Gift for Loved Ones] Each pack comes with 5 RFID blocking cards—small, powerful, and thoughtful. Give family and friends the peace of mind that their credit cards and passports are safe—an ideal gift for any occasion
- 5. [24-Hour Customer Support] Thank you for choosing our RFID blocking cards. If you have questions, concerns, or need help, our team is here for you 24 hours a day. We’re committed to solving issues quickly and ensuring you have a happy, worry-free shopping experience
Rank #4
- This credit card holder is made of aluminum shells, ABS plastic frame and clasp closure, RFID-blocking will protect your card data from RFID scanners and readers.
- The size is 4.33 x 2.95 x 0.75 inches, Slim and small exterior design, are fit in your front pocket,suitable for travel and business carrying.
- Latches safely and securely when not in use. Rounded corner wouldn't damage on your clothes. With 7 accordion Slots, Capacity for up to more than 10 credit cards or more than 20 business cards.
- There are various patterns to choose from on the aluminum shell, including flowers, animals, and landscapes, to match your versatile style.
- This is an ideal gift that can express your thoughtfulness and kindness. Suitable for any day you want to express love on, such as Valentine's Day, birthdays, Mother's Day, etc.
Rank #3
- Accept all major credit and debit cards and pay one low rate
- No hidden fees and no long-term contracts
- Mobile card reader that accepts payments anywhere & anytime
- Use the free SumUp App on your smartphone or tablet to start accepting transactions
- Simply pay 2.6% +10 per in-person transaction
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
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