VISA Platinum Credit Card

Your Allied Visa Credit Card helps you save money where it counts. Your Allied Visa Credit Card currently carries the most attractive Annual Percentage Rate in the market, i.e. 34%* for Retail, Cash and PO/DD/ABC and only 24%* for BTF. So, use your Allied Visa Credit Card at your favourite places and enjoy savings like never before.

*Please refer to prevailing SOC for updated APR.

Allied Visa Credit Card offers the convenience of contactless transactions in card present environment. The contactless transactions can be performed just by bringing your credit card in close proximity to the POS terminal at merchant outlets without swiping or dipping the card into the POS terminal.

You can use your Allied Visa Credit Card with confidence and peace of mind in presence of enhanced and strengthen security features of Chip & PIN for card present transactions and 3DSecure for eCommerce transactions, which effectively mitigate credit card fraud. Further, there is no one-time or recurring chip maintenance fee. So, enjoy the security without any additional charges.

With your Allied Visa Credit Card, your free credit period allows you to pay for your purchases up to 50 days after the date of purchase. So now you can buy all the things you want, whenever you want, at your earliest convenience.

In addition to being accepted by over hundred thousand merchant outlets in Pakistan, your Allied Visa Credit Card is also accepted at over 44 million merchant outlets and over 1.9 million ATMs worldwide. This provides you with the flexibility to make transactions on your card everywhere you go around the world

When paying back your credit card bill, your Allied Visa Credit Card gives you the options to pay entire outstanding amount, make partial payment or pay minimum amount due according to your statement.

Allied Visa Credit Card provides easy and convenient repayment options. You can make your credit card payments with myABL internet banking portal, myABL mobile phone application, Allied Bank’s ATMs, 1-Bill, Allied Phone Banking, Drop Box or over the counter in any ABL Branch.

As an Allied Visa Credit Card member, you are entitled up to 50% of your credit limit in cash. Just go to your nearest ATM with the VISA or PLUS sign and avail the facility of withdrawing cash 24 hours a day.

For example, Service Charge @ 34% per annum or 2.83% per month will be charged from the day of the cash advance transaction.

(The current applicable rate may differ from the example given above. Please refer to the latest Schedule of Charges for the applicable rates).

The calculation can further be explained as per the following example:

If an amount of Rs. 10,000 is transacted on 20-04-23 and the statement generation date is 30-04-23, then the amount will attract a mark-up of 34% per annum equaling to 0.094% on a daily basis from the date of transaction till the complete payment is made. Since in this example the time period between the transaction date and the statement date is 10 days, therefore the finance charges are calculated for 10 days. The total finance charges in this case amounting to Rs. 93.51 for 10 days will be reflected on the credit card statement.

In addition to the above, a flat fee will also be charged as mentioned in the SOC for every transaction.

Want to share the benefits of your Allied Visa Credit Card with others? Now you can! Treat up to two people with Supplementary Credit Cards and pass on the privileges of your Allied Visa Credit Card to friends, family and anyone else you choose!

Allied Visa Credit Card’s zero loss liability feature protects you from paying any unauthorized transactions on your card in the event that it is reported as lost or stolen. Please immediately notify Allied Phone Banking on 111-225-225 (within Pakistan) or on 9221-35301094 (outside Pakistan) in case your card is lost or stolen.

In case you have outstanding balances on the credit card of other bank, transfer these balances in your Allied Visa Credit Card at an amazingly low markup rate of 24% on Balance Transfer Facility (BTF) and save more on your outstanding payments than ever before

The calculation can further be explained as per the following example:

If an amount of Rs. 10,000 is transacted on 20-04-23 and the statement generation date is 30-04-23, then the amount will attract a mark-up of 24% per annum equaling to 0.067% on a daily basis from the date of transaction till complete payment is made. Since in this example the time period between the transaction date and the statement date is 10 days, therefore the finance charges are calculated for 10 days. The total finance charges in this case amounting to Rs. 65.75 for 10 days will be reflected on the credit card statement.

In addition to the above, a flat fee will also be charged as mentioned in the SOCs for every BTF transaction

(Please note the current applicable rate may differ from the example given above. Please refer to the latest Schedule of Charges for the applicable rates).

In case you require any additional help regarding your Allied Visa Credit Card, Allied Phone Banking is there to provide you with immediate help, 24 hours a day and seven days a week. Just give us a call on 111-225-225.

As an Allied Visa Credit Cardholder, you are eligible to avail complimentary lounge facility at  Allama Iqbal International Airport – Lahore and Islamabad International Airport – Islamabad and enjoy a variety of complimentary features. Relax while you watch leading television channels or select something to read from an updated library of newspapers and periodicals. Also feel free to plug in your laptop and mobile phone into the charging facilities provided or browse the internet or send and receive emails while you wait. You can also treat yourself to a wide assortment of high-quality snacks, beverages and fresh fruits.

Know immediately when your card is being used. With Allied Bank’s SMS Alert facility, you have the option to receive an SMS every time your card is used, so that you can quickly take action in case your card is stolen or misused. You will also get SMS alerts which will notify you that your monthly Credit Card statement has been generated with minimum payment due and the due date for payment.

Our Allied Visa Credit Card holders can avail Global Customer Assistance Service (GCAS) regarding their Visa Gold / Platinum Credit Card while traveling abroad.

Platinum Credit Card holders have the privilege of 6 cardholder visits per calendar year to 25 premium airport lounges worldwide. Additional visits/guests are charged at USD 30 per visit per guest. For further information please visit www.loungekey.com/visaplatinummena

Allied Visa Platinum Credit Card holders can request for issuance of Priority Pass Card which will give the cardholder access to over 1300 exclusive Priority Pass Lounges around the globe. Regardless of the airline you fly or the ticket you hold, a warm lounge welcome awaits you. For further details please visit www.prioritypass.com/en/airport-lounges

Platinum Credit Card Booklet

Allied Visa Credit Card Summary Box

Q.1    When is Membership Fee applied?

Ans. Annual Membership Fee is applied on issuance and subsequently on each anniversary of the credit card, irrespective of activation of the card.

Q.2.   What are the requirements for reversal of annual Membership Fee?

Ans. In case of Gold Cards, reversal of Annual Membership Fee can be availed on spending of minimum Rs.25,000/- within a period of three (03) months while in case of Platinum Cards, reversal of Annual Membership Fee can be availed on spending of minimum Rs. 50,000/- within a period of three (03) months. However, you need to inform the bank after completion of this requirement for reversal of annual Membership Fee.

Q.3    Do I need to inform Allied Bank while traveling abroad and activate my Allied Visa Credit Card to use the credit card abroad?

Ans. Yes, you need to notify Allied Bank on helpline number and request for activation of your card for International POS/ATM transactions. Further, while traveling abroad you would also need to activate fallback to magnetic stripe transactions, if required.

Q.4    What is fallback to magnetic stripe transactions?

Ans. All merchants in Pakistan are directed to carry out only chip-based transactions as a measure to enhance security of your credit card against skimming fraud. In case chip of your card does not function or the merchant outside Pakistan does not have POS machine to carryout chip-based transaction, the system may allow your card to carry out transactions using magnetic stripe on the back of your credit card. However, in order to carryout magnetic stripe-based transactions outside Pakistan, you would need to activate fall back to magnetic stripe facility.

Q.5    Is there any capping for usage of credit card abroad?

Ans. Yes, SBP has fixed an annual limit of up to USD 30,000 for card based cross-border transactions (ATM, POS & e-Commerce) across the industry so you need to ensure that you should remain within the given limit for card based cross-border transactions including e-Commerce transactions.

Q.6    Do I need to activate e-Commerce transactions for my Credit Card?

Ans. No, e-Commerce / online transactions facility for local and international e-Commerce merchants is already activated on your credit card.

Q.7    What information is required to conduct an online transaction?

Ans. You need below-mentioned valid information to perform an online transaction on e-commerce merchant:

1. Valid Credit Card Number
2. CVV (three digits Card Verification Value mentioned on the backside of Credit Card)
3. Credit Card Expiry Date
4. OTP (i.e. One Time Password, only for Verified by Visa websites)

Q.8    How do I shop online with my Allied Visa Credit Card?

1. To use your Allied Bank Visa Credit Card for e-Commerce transactions, please follow the steps mentioned below:
2. Initiate online shopping transaction at any e-commerce merchant and input your Visa Credit Card details.
3. For VBV (Verified by Visa) compliant merchant, you will be redirected to Allied Bank VBV screen to choose OTP (One Time Password) delivery channel i.e. registered mobile number or email address.
4. You will receive a 6-digit OTP on your selected channel which you need to input to complete the transaction.

Q.9    How long the OTP is valid for?

Ans. It is valid for 5 minutes after which you can re-generate OTP by simply clicking on the link given on the payment screen, which will take you back to OTP medium selection screen.

Q.10  Shall I receive OTP for all online shopping transactions?

Ans. OTP is mandatory to conduct transaction on all Verified by Visa compliant merchant websites. For non-compliant merchant websites, OTP shall not be sent.

Q.11  What should I do if I receive an OTP for a transaction not performed by me?

Ans.  Please do not share OTP with anyone and report immediately by calling Allied Phone Banking at 111-225-225.

Q.12  Will I be notified upon successful completion of transaction?

Ans.  Yes, a transaction alert will be sent to your registered mobile number and/or email address if you have enrolled for this service.

Q.13  What should I do if I am charged with a transaction not performed by me?

Ans.  Please visit your branch or call Allied Phone Banking at 111-225-225 to register dispute within 90 days from transaction date.

Q.14 Can I use Allied Visa Credit Card for my business/commercial needs?

Ans.  No, commercial usage of card is prohibited so, please ensure that the card is used for your personal needs only. Business transactions are allowed only through Corporate Credit Cards.

Q.15 How do I gain access to Priority Pass Airport Lounges?

Ans.  Simply present your Priority Pass card to the lounge staff at the participating airport. With unmatched benefits and services, the participating lounges provide maximum comfort that ensure the guests have pleasant and relaxing stay at the lounge before their departure. Any visit to Airport lounge will be charged @ USD 30 per person (for updated rate please refer to Schedule of Charges).