Allied Bank welcomes you to a world of convenience and security with UnionPay & PayPak Gold Debit Card. This Card is accepted at millions of ATMs, Point of Sale (POS) merchants and online shopping stores globally.
UnionPay & PayPak Gold Debit card is issued in collaboration with Golootlo, which provides discounts at over 19,000+ merchants including but not limited to, food vendors, retailers, sales & service providers throughout Pakistan.
With NFC feature on this card, you can just tap your card at NFC enabled ATMs or POS terminals displaying NFC 
sign to perform contactless transactions.
Note: For Bank charges, please see Schedule of Charges
Shop Anywhere: Use your UnionPay & PayPak Gold Debit Card to shop at millions of retailers across the globe.
Shop Online: You can use your UnionPay & PayPak Gold Debit Card to shop online from your favourite retailers.
Exciting Discounts: UnionPay & PayPak Gold Debit Card offers exciting discounts at thousands of merchants all over Pakistan. This debit card is issued in collaboration with Golootlo which empowers you to avail various exciting discounts. You just have to use your Debit Card at any merchant displaying the ‘Golootlo Discount’ sign to avail these discount offers. Please click here for details of outlets and available Golootlo discounts. Furthermore, you can avail various other discount deals available on your UnionPay & PayPak Gold Debit Card. For details on ABL offers, please visit Deals & Discounts.
Higher Transaction Limits: The cardholders will be enabled with higher transaction limits for ABL digital channels.
Access to myABL Digital Banking: Allied UnionPay PayPak Gold Debit cardholders can easily access amazing services offered by myABL Digital Banking platform. Customers are empowered to activate, generate PIN, change, temporary block/unblock Card, allow international usage and allow E-commerce usage on their Debit card using myABL.
Bill Payments: Customers can conveniently pay bills online for 1,000+ companies including utility & telco bills, Internet bills, credit card bills, educational & government payments and much more using myABL Digital Banking platform & ABL ATMs nationwide.
Dine Out: Visit your favourite restaurants and place your order without having to worry about how much cash you have in your pocket – you can pay the bill with your UnionPay & PayPak Gold Debit Card. We empower you to pay directly from your account.
Travel the world: With your UnionPay & PayPak Gold Debit Card, you can book your flights with ease & convenience anytime, from anywhere.
Get Groceries: Go grocery shopping with your UnionPay & PayPak Gold Debit Card without worrying about having enough cash in your pocket. Pay directly from your account using your UnionPay & PayPak Gold Debit Card.
Withdraw Cash on the Go: Conveniently use your UnionPay & PayPak Gold Debit Card to withdraw cash directly from your bank account through millions of ATMs across the globe.
Fuel Up: You can fuel up your car without emptying your wallet. Pay for your fuel purchases using your UnionPay & PayPak Gold Debit Card.
Stay Alert: Feel secure by keeping a better track of your spending. SMS alerts facility will notify you whenever transactions are conducted on your card.
Limits are illustrated in the table below:
| Transaction Type | Transaction Limit |
| ATM Cash Withdrawal | Rs. 200,000 per day |
| POS / e-Commerce | Rs.250,000 per day |
| ATM Fund Transfer | Rs.250,000 per day |
| ATM Bill Payment / Donation | Rs.1,000,000 per day |
Individuals, sole proprietors and joint accountholders (with either/survivor operating instructions) fulfilling any of the following criteria at the time of card issuance:
- Minimum annual income of Rs. 500,000 or above
- Account Balance of Rs. 100,000 or above
If you fulfill any of the above criteria, please visit your nearest Allied Bank branch to avail UnionPay & PayPak Gold Debit Card and start enjoying countless benefits and services.
| Daily Limit (PKR) | Monthly Limit (PKR) |
| 60,000 | 300,000 |
Q. Whether my existing Visa Sapphire Debit card will continue to work?
Your current Visa Sapphire Debit Card will continue to work until its expiry and upon renewal, you will get UnionPay & PayPak Gold Debit Card by default.
Q. How can I get UnionPay & PayPak Gold Debit Card?
You can opt for issuance of UnionPay & PayPak Gold Debit card by visiting your nearest ABL branch while existing customers holding Visa Sapphire Debit Card have an option to upgrade it with UnionPay & PayPak Gold Debit Card.
Q. Where can I use my UnionPay & PayPak Gold Debit Card?
Your UnionPay & PayPak Gold Debit Card is accepted millions of ATMs, POS (Point of Sale) and online merchants available locally and abroad.
Q. How can I avail Golootlo discount on my UnionPay & PayPak Gold Debit Card?
UnionPay & PayPak Gold Debit Card offers exciting discounts at local merchants’ network all over Pakistan. Use your UnionPay & PayPak Gold Debit Card at any merchant displaying the ‘Golootlo Discount’ sign to avail discount offers. Please click here for details of outlets and available discounts. Furthermore, you can avail various other discount deals available on your UnionPay & PayPak Gold Debit Card. For details on ABL offers, please visit Deals & Discounts.
Q. How can I activate my UnionPay & PayPak Gold Debit Card?
Please activate your UnionPay & PayPak Gold Debit Card from any Allied Bank ATM using biometric option or by calling our 24/7 Allied Phone Banking at 111-225-225 using prefix (042) or (021). You can also activate your card using myABL Digital Banking if you’re already registered with myABL Digital Banking Platform. In case your debit card remains inactive for 90 days, it will be blocked permanently and you will be required to request for issuance of a replacement card.
Q. What type of transactions can I perform with my UnionPay & PayPak Gold Debit Card?
Your debit card is powered by both Union Pay and PayPak payment schemes, making it acceptable at millions of acceptance points locally as well as globally. You can perform following transactions:
- Retail Point of Sale (POS) transactions on Merchant outlets
- Online/E-commerce Shopping
ABL ATM Services:
- Cash Withdrawal
- Balance Inquiry
- Bill Payments
- Donations
- Cheque book request
- Funds Transfer
- Mini Statement
Other Bank’s ATM Services:
- Cash Withdrawal
- Balance Inquiry
Q. What is contactless feature?
Contactless card uses near field communication (NFC) for making secure payments. Contactless card requires only close proximity (less than 2 inches) to NFC enabled POS machine/ ATM to conduct a transaction.
Q. How will I use my contactless UnionPay & PayPak Gold Debit Card?
To pay using your contactless card, first look for the contactless symbolat POS or ATM, then tap your NFC Card against the symbol on the terminal. You may be asked to enter your PIN for verification.
NOTE: Your card can also be used by dipping the chip of your card on contact only ATMs and POS machines.
Q. How secure is contactless payment?
Your contactless payment is indeed highly secure, and certainly much more secure than carrying cash. Contactless UnionPay & PayPak Gold Debit Card uses secure EMV technology so you can feel totally confident when you’re using it to pay.
Q. How do I shop online with my UnionPay & PayPak Gold Debit Card?
To use your UnionPay & PayPak Gold Debit Card on the internet, please follow the steps mentioned below:
- Login to myABL Digital Banking and activate your card for online shopping under debit card services or by calling Allied Phone Banking at 111-225-225 by using prefix (021) or (042) through your registered mobile number.
- After activation you can use your card on any online merchant accepting UnionPay.
Q. Do I need to activate my UnionPay & PayPak Gold Debit Card for shopping outside Pakistan?
To use your UnionPay & PayPak Gold Debit Card outside Pakistan, please follow the steps mentioned below:
- Login to myABL Digital Banking and activate your card for international shopping under debit card services or by calling Allied Phone Banking at 111-225-225 using prefix (021) or (042) through your registered mobile number.
- After activation you can use your card outside Pakistan on any merchant accepting UnionPay cards.
Q. What are my daily transaction limits for using UnionPay & PayPak Gold Debit Card?
Please see details in UnionPay & PayPak Gold Debit Card Transaction Limits section mentioned above.
Q. In case of card loss, where should I call?
In case of loss, theft, damage, or if you suspect that your Card has been used fraudulently, immediately call Allied Phone Banking at (021) or (042) 111-225-225 within Pakistan or +9221-35301094 from outside Pakistan. You can also block your debit card using myABL Digital Banking.
Q. Do I need to share my debit card PIN with the merchant to process POS transactions?
Never share your debit card PIN with anyone and ensure to input it secretly at POS terminal so that no one can see it. For any assistance, please contact Allied Phone Banking at (042) or (021) 111-225-225.
