UBL Gold Rewards

A points card for dining and retail, with a mid-range annual fee.

gold credit

UBL Gold Rewards Visa

Visa Gold Conventional

PKR 6,000Annual fee

PKR 2,500Joining fee

PKR 60,000Minimum monthly income

PKR 2,500Supplementary card

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You leave CardWorth and apply on the bank site. Last verified: 02 May 2026

Fees and eligibility

PKR 800,000Annual spend to waive the fee

3.5%FX charges

PKR 60,000Salaried minimum

PKR 100,000Self-employed minimum

Salaried or self-employed applicants, subject to the bank's own assessment.

Indicative only. The bank decides approval.

Type: points. Base rate: 1. Point or mile value: 0.5 PKR.

Category	Type	Rate	Min monthly	Yearly cap
dining	points	3	PKR 0	PKR 18,000
retail	points	2	PKR 0	PKR 12,000
groceries	points	2	PKR 0	PKR 10,000

Cashback rates are percentages. Points and miles are per PKR 100. Caps are yearly PKR estimates.

Dining. Elevated dining points.

Grocery. Grocery points above the base rate.

Shopping. Retail points.

No airport lounge access is published for this card.

Installments: published as available.

Cash advances, government payments, and balance transfers may be excluded from reward earning. Confirm the current exclusions with the bank.

Sample record for demonstration. Fees, rewards, and eligibility change. Verify the schedule of charges before applying.

You leave CardWorth and continue on the bank's website.

Final eligibility, pricing, fees, and approval are determined by UBL.