I am a founder member of UBL credit card, and have been using it since they introduced it, and am quite satisfied with it. Although the perks of using it have declined over the period, still it's way better than others I had the experience of using, i.e., Askari, Citi (the worst) and RBS (equally bad).
If you already have netbanking enabled, that means you would be paying a monthly fee. So, without any additional charges, you can view your cc statements online. However, for payment from your account, they have certain limits, and you cannot pay more than that limit for your credit card through your account unless you increase your limit, and hence have to pay increased monthly charges for netbanking. For example, for a limit of 100,000 you have to pay PKR 25 per month. So you can pay your bill through your account for up to 100,000 per month.
They do have annual fee, but I never have to pay it as it gets reversed upon some minimum spending (last year it was 3,000 I think). Also, I have never faced any problem in getting transactions through, either locally, internationally or on net. They have also introduced some verification system by VISA where you only have to enter a specific pin code when transacting through web, instead of your CVV2. They used to charge very nominal commission on the international transactions (in the form of exchange rate difference). Although that has increased recently, but still better than foreign banks like Citi or RBS. I had an experience with Citi, where in addition to the exchange rate commission, they even increased my $ invoice value, which is something I have never seen with any other bank.
And Alfalah charging fees is a surprise. I think they advertised it as "Life time free membership" back sometime... Is it for new cards or the ones they issued in the beginning too?