Disclaimer: Bolo Popo is not affiliated with UBL and does not issue or manage credit cards. All information is compiled from UBL’s official sources to help users understand card features and make smart financial decisions.
Introduction
Bolo Popo brings you a complete guide to UBL Classic & Gold Credit Cards in Pakistan. These cards offer value-added features designed to enhance your lifestyle while ensuring financial flexibility.
From Lite Installment Plans to reward points and insurance coverage, every feature is aimed at helping users make informed decisions based on official UBL information.
UBL also offers diffrent UBL Credit Cards you can read about these cards.
Lite Installment Plan (LIP)
UBL’s Lite Installment Plan (LIP) allows you to convert any retail transaction of PKR 5,000 or above into easy Equal Monthly Installments (EMIs).
- Tenure Options: 3, 6, 12, 18, 24, 30, 36 months
- Booking Fee: As per Schedule of Charges (SOC)
- How to Avail: Call 24/7 UBL Contact Center at 111-825-888
Benefits Table – LIP Example
| Tenure (Months) | Monthly Installment | Booking Fee % |
|---|---|---|
| 3 | PKR X,XXX | 2% |
| 6 | PKR X,XXX | 3% |
| 12 | PKR X,XXX | 5% |
Bolo Popo emphasizes: This plan is ideal for large purchases like electronics, appliances, and gadgets.
Balance Transfer Facility
UBL Classic & Gold Credit Cards allow you to transfer balances from other banks at competitive rates, helping save on interest.
| Tenure (Months) | One-time Fee (% of BT Amount) |
|---|---|
| 3 | 5.2% |
| 6 | 9% |
| 9 | 12.75% |
| 12 | 16.5% |
Tip from Bolo Popo: Always confirm balance transfer rates and fees directly with UBL before initiating.
How to Apply:
- Call UBL Contact Center: 111-825-888
- Use Balance Transfer form from Welcome Pack
- Drop Box facility at all designated Card Payment Branches
Cash Advance & Cash on Phone
- Cash Advance: Withdraw up to 50% of credit limit from any UBL branch or VISA/PLUS ATM worldwide.
- Cash on Phone: Directly deposit up to 50% of credit limit into your UBL account via a 24/7 call.
Charges: Applied as per SOC.
Reward Points
| Transaction Type | Reward Points | Redemption Value |
|---|---|---|
| PKR 100 spent | 1 Reward Point | 1 Reward Point = PKR 0.30 |
| Platinum International | 3X Reward Points | Redeemable as cashback/products |
Bolo Popo Tip: Maximize points by using your Platinum Card for international transactions.
Supplementary Cards
- Up to 6 supplementary cards per primary cardholder
- Minimum age: 14 years, no maximum age
- Transactions clearly itemized in monthly statements
- Limit on supplementary cards can be controlled
Application:
- Call UBL Contact Center at 111-825-888 (paperless application)
- Mail form to UBL Card Center
Insurance Coverage & Protection Plans
Travel Accident Insurance
- Classic Card: Up to PKR 3.5 Million
- Gold Card: Up to PKR 7 Million
Zero Loss Liability
- Protects against fraudulent charges if card is lost/stolen
- Report immediately to 111-825-888
UBL Transaction Protection Cover
| Plan | Per Transaction Limit | Max Loss Limit per Year | Annual Premium |
|---|---|---|---|
| 1 | PKR 250,000 | PKR 500,000 | PKR 5,000 |
| 2 | PKR 150,000 | PKR 300,000 | PKR 3,000 |
| 3 | PKR 125,000 | PKR 250,000 | PKR 2,500 |
| 4 | PKR 50,000 | PKR 100,000 | PKR 1,500 |
Comprehensive Health Plan & Family Security
Health Plan Annual Rates (PKR per person)
| Age Band | Gold | Silver | Bronze |
|---|---|---|---|
| 2–24 | 20,709 | 13,806 | 6,903 |
| 25–39 | 31,203 | 20,802 | 10,401 |
| 40–49 | 41,911 | 27,941 | 13,970 |
| 50–59 | 47,069 | 31,379 | 15,690 |
| 60–64 | 52,719 | 35,146 | 17,573 |
| 65–69 | 69,814 | 46,543 | 23,271 |
Family Security Plan:
- Choose from 4 levels of cover
- Lump sum or monthly income for family
- Protects in case of accidental death
Child Education Plan:
| Total Benefit Amount | Monthly Premium per Child |
|---|---|
| PKR 400,000 | PKR 90 |
| PKR 800,000 | PKR 160 |
| PKR 1,000,000 | PKR 190 |
Hospital Cash Plan:
- Up to PKR 8,000/day during hospitalization
- Executive & Deluxe Plans with daily cash benefits
Credit Guardian & Payment Flexibility
Covers monthly dues if temporarily disabled
Waives entire outstanding in case of permanent disability or death
Buy Today, Pay Later: Minimum 5% payment of outstanding balance
3D Secure OTP
- Online security for internet transactions
- Sends 6-digit OTP to registered mobile/email for each transaction
- Ensures global acceptance and safe shopping online
Lien Marked Cards
- Get 70% of account security as credit limit
- Available for housewives, senior citizens, retired persons
SMS & Email Alerts / e-Statements
- Instant SMS & Email notifications for all transactions
- Free e-statements for paperless account management
Conclusion
Bolo Popo provides verified, detailed, and neutral information on UBL Classic & Gold Credit Cards to help users make smart financial decisions. From installment plans to insurance coverage and secure online transactions, these cards offer comprehensive financial benefits while keeping users protected.
Bolo Popo Reminder: Always verify critical details directly on UBL’s official website before applying.