Service Fee will be charged as per the prevailing Schedule of Charges on each retail transaction from the transaction date to the statement generation date. Late Fee will be charged as per the prevailing Schedule of Charges. Your credit card account will be blocked effective next statement date if minimum payment is not received.

There would be a Service Fee levied if you pay the Minimum Payment Amount or any amount less than the full payment by the payment due date. For retail transactions which can be covered by the payment, Service Fee is charged from the transaction date to the payment posting date. On retail transactions which are not covered by the payment, Service Fee is charged from the transaction date to the date the next Statement of Account is generated.

For all retail transactions, if full payment is received within the payment due date then no Service Fee is charged.

You can inform us of your new mailing address by simply calling UBL Contact Center at 111-825-888.

You can also request for the change by sending a written request to the UBL Card Center.

If at any time you face any problem regarding your card account, call our 24-hour UBL Contact Center at 111-825-888 for immediate assistance. You can  direct your written queries to the following address:

UBL Card Center
2nd Floor, UBL Warehouse Building,
Plot # 1 & 2 “C” Group,
Mai Kolachi Road, Karachi - Pakistan.

You can seek emergency assistance by lodging a lost/stolen card report or obtaining emergency cash from Visa Emergency Assistance Centers. When travelling, please make sure that you carry the pocket guide for your convenience.

In the event that your credit card is lost or stolen, report it to our 24-hour UBL Contact Center at 111-825-888 immediately. Please also send us a written request within 3 days of the incident, along with the particulars. This will minimize your liability and will protect you against any misuse of the lost card.

As much as 30% of your total credit limit. That is, if your credit limit is Rs. 40,000, you can withdraw 30% of Rs. 40,000 being Rs.12,000.

Please note the Bank shall charge Service Fee on each advance from the date of the cash advance until the date of full payment as per the prevailing Schedule of Charges. The Cardmember will also pay a Cash Advance Fee as per the prevailing Schedule of Charges.

All non Pak Rupee transactions will be converted from the transaction currency to US Dollars based on the international exchange rate applied by VISA/MasterCard. To settle the foreign spend, the billed US Dollar amount will be purchased from the open market (authorized money changers) by debiting your card account at the prevailing market rate. A handling charge as per UBL’s Schedule of Charges is also applicable.

On completion of 1 year card account relationship with the bank, you can apply for a limit enhancement on your credit card. Send a written request along with your income documents (bank statement / salary slip / salary certificate) to the following address:

UBL Card Center
2nd Floor, UBL Warehouse Building,
Plot # 1 & 2 “C” Group,
Mai Kolachi Road, Karachi - Pakistan
*UBL reserves the right to approve/reject your credit enhancement.

Your expenditure on your credit card must remain within the credit limit assigned to you. In case you exceed your credit limit, an Over Limit Fee as per the prevailing Schedule of Charges will be charged each time you exceed your credit limit.

VbV - Verified by Visa - is a free service provided by United Bank Ltd. and certified by Visa International and provides a way to PIN protect your UBL Visa card usage on the internet. Usable on Visa certified sites, this service confirms your identity when you make purchases through a simple check out process.

UBL is the first Bank in Pakistan to offer this service to its customers.

Currently, the service is available for UBL Visa Credit Cards and will soon be available for Visa Debit and Prepaid cards .

This service is absolutely free.

When you purchase online at participating websites, VbV issues a receipt at the end of the checkout purchase. Without your password, the purchase cannot take place. The receipt includes details of your current purchase, such as merchant name, purchase amount, date, card number (four last digits) and your own personal greeting.

Since your card is protected by your personal password, only you can use your card online at participating VbV merchants.

No. You can register using your existing UBL Visa Card.

You can shop at any online store that has the Verified by Visa logo. If a merchant is part of VbV, a window will pop-up and you will be asked to enter your password when you are about to complete your transaction.

As long as you have the following browsers and operating systems you should be able to enroll with VbV – Windows Microsoft Internet Explorer 5.5 and above, Netscape 7.1 and above, AOL 9 and above, Firefox 1.0 and above and Macintosh Safari. The service supports operating systems Microsoft Windows 95, Windows 98, Windows 2000, Windows ME, Windows NT and Windows XP.

You need to activate and register again for VbV services.

You need to activate and register the new card for the VbV service.

If your card is lost or stolen follow the existing process by reporting your card as you would normally do. You will be required to register your new replacement card with VbV.

There is no limit to the number of cards you enroll.

The personal information you are providing is used as a security measure to make sure you are the genuine cardholder. The information you supply is verified against the data stored in our database.

Yes. When you enroll to VbV you will have to create a password. You must select a password which includes at least 6 letters and/or numbers. Your password is case sensitive. We recommend that you create a password that will be easy for you to remember and difficult for others to guess.

A "Personal Greeting" is a sentence that you create during enrolment. This text should be personal, but not confidential e.g. "My dog's name is Tin". Each time a VbV receipt is presented, you should look for the Personal Greeting – it proves that it is a genuine VbV receipt. Please note – you shouldn’t select a Personal Greeting that is identical to the password. Your password must be kept confidential, while the Personal Greeting is openly displayed on the receipt.

Confirm if the information provided (your details) is correct. Optionally you can call UBL Contact Center at 111-825-888 or email to customer.services@ubl.com.pk

Yes, it is mandatory to enroll your card on your first purchase otherwise you will not be allowed to go ahead.

The additional cards should be activated for VbV as well. We recommend that the password and personal greeting are different for each additional card.

When you purchase online at participating merchants, VbV issues a receipt at the end of the checkout process. The receipt includes details of your current purchase, such as merchant name, purchase amount and date. You sign the receipt (post your Shopping Password) and click “Confirm” to proceed with the purchase.

You can start to use the VbV service immediately after you complete the enrolment process.

First, check to make sure that the card you used for the purchase is one that you have enrolled with VbV service. Second, determine whether the merchant is a participating VbV merchant. If the merchant is participating and you are using the right card, contact UBL Contact Centre.

Yes, you can still purchase goods and services as you normally would but they will not be supported by the VbV service.

If you forget your password, please call UBL Contact Centre at 111-825-888. The phone banker will de-activate your password (as password cannot be reset) and re-register your password.

Always look for the Personal Greeting before signing the receipt. If your Personal Greeting does not appear on the receipt, please do not sign it and call our 24 hour UBL Contact Center at 111-825-888.

Always look for your Personal Greeting before signing the receipt. If a Personal Greeting other than yours appear on the receipt, please do not sign it and call our 24 hour UBL Contact Center at 111-825-888.

No. VbV only authenticates the cardholder registered to the specific card being used and the authorization of each transaction will be subject to sufficient funds being available or any other fraud prevention checks being completed satisfactorily.

Both the primary cardholder and the supplementary cardholder must enroll separately in any order so long as the additional cardholder chooses a password that is different to that of the primary cardholder.

You must not share your password with anyone. The supplementary cardholder should establish his/her own password. This increases the security of your VbV online purchases.

Yes, three times.

Yes.

You need to call UBL Contact Centre at 111-825-888

Yes, you can cancel your enrollment by calling UBL Contact Centre at 111-825-888.

You can change both by calling UBL Contact Centre at 111-825-888.

Your first attempt to correct the problem should be to contact the merchant with whom you placed the order. Almost all online merchants have return policies and instructions posted on their websites. Customer service phone numbers and email addresses are also easily accessible on the merchants’ site. Most online merchants will do their best to correct the problem in a timely manner. If the merchant fails to resolve the issue, you can dispute a transaction according to the terms and conditions of the card you used to make the purchase.

Cash on phone allows you to get 30% of your available credit limit as cash which is directly deposited into UBL account and you can repay this amount in easy installments. You have the choice of choosing a tenure period from 3-36 months.

All UBL Credit Card holders having accounts in UBL are eligible for Cash on phone. However, only primary card holders can request for availing this facility. In addition, customers with outstanding dues (delinquent) can not avail this facility.

Maximum of 30% of available credit limit can be utilized through Cash on Phone

Minimum amount utilized through Cash on Phone and converted into LIP is Rs 5,000.

You can call up our 24 hour UBL Contact Center at 111-825-888 to avail this facility and choice of tenure for converting into LIP will be asked on the same call.

No, only basic card members can avail cash on phone.

Yes, you always have the option of paying the total Cash on Phone in a lump-sum payment. There will be cancellation charges of Rs. 500/- or 5% of the outstanding amount (whichever is higher) for processing the request along with the remaining amount of the LIP.

No

Yes multiple cash on phones transactions are possible and booking charges apply for every individual Cash on Phone transaction.

Yes, cancellation charges apply for every individual Cash on Phone transaction.

Late payment fee as per the prevailing Schedule of Charges will apply.

Amount will be credited into your UBL account in 48 working hours.