What Types of Allied Bank Cards Are Available?
Allied Bank cards fall into three categories. Debit cards draw directly from your account balance — you spend what you have. Credit cards extend a revolving credit line; you spend within your limit and repay monthly, with a markup rate applied to any balance carried past the due date. Virtual and digital cards exist in digital form only, designed for online purchases or mobile contactless payments.
Every physical Allied Bank card carries an EMV chip for in-person security. Visa-network cards include 3D Secure (Verified by Visa) protection for secure online shopping. All cards can be locked, monitored and managed through myABL Personal Internet and Mobile Banking.
Allied Bank Debit Cards
Allied Bank offers a wide range of debit cards designed to match different customer needs — from premium lifestyle privileges to entry-level accounts and fully digital, card-free payments. Here’s a complete guide to every debit card in the Allied Bank lineup.
Allied Visa Infinite Debit Card
The Allied Visa Infinite Debit Card is the top tier in Allied Bank’s debit range. It is suitable for customers who want maximum card privileges while spending from their own account.
- Visa Infinite network acceptance at merchants worldwide
- Complimentary access to domestic and international airport lounges
- Higher daily POS and ATM transaction limits than lower tiers
- Purchase protection and extended warranty on eligible purchases
- Contactless tap-to-pay at compatible terminals
- Exclusive discounts at partner merchants across Pakistan
- Real-time transaction alerts and full card management via the myABL app
VISA Premium Debit Card
The VISA Premium Debit Card sits one step below the Infinite — elevated limits and merchant benefits without the top-tier account requirement.
- Visa network acceptance in Pakistan and internationally
- Higher daily spending and ATM withdrawal limits than the Classic tier
- Exclusive merchant discounts and offers at Allied Bank partner locations
- Contactless payments
- Real-time alerts via the myABL app
Visa Platinum Debit Card
The Visa Platinum Debit Card is the mid-tier Visa option — combining domestic airport lounge access with merchant discounts and purchase protection.
- Visa Platinum acceptance at millions of merchants in Pakistan and abroad
- Complimentary CIP (Commercially Important Person) lounge access at domestic airports
- Purchase protection and extended warranty on eligible purchases
- Exclusive discounts at partner merchants
- Contactless payments
- Card management and transaction alerts through the myABL app
Visa Classic Debit Card
The Allied Visa Classic Debit Card is the standard Visa debit option — covering everyday domestic and international spending with contactless convenience.
- Visa Classic acceptance in Pakistan and at international Visa merchants
- Contactless tap-to-pay at compatible POS terminals
- ATM access at Allied Bank’s 1,400+ branch network and partner ATMs
- 3D Secure (Verified by Visa) for online purchases
- Full card management through the myABL app
Allied Virtual Visa Debit Card
The Allied Virtual Visa Debit Card has no physical form — it exists as a digital card number linked to your Allied Bank account, used exclusively for online transactions.
- Accepted on all Visa-enabled online platforms worldwide
- No physical card issued — the card number lives in the myABL app
- 3D Secure (Verified by Visa) for online purchase protection
- Can be frozen, unfrozen or closed instantly through the myABL app
- Keeps your primary debit card details off online platforms — an added layer of security for frequent online shoppers
Foreign Currency Visa Debit Card
The Foreign Currency Visa Debit Card is issued specifically to customers holding a Roshan Digital Account (RDA) or a Foreign Currency (FCY) account with Allied Bank.
- Visa acceptance at international merchants and ATMs
- Spend directly from your foreign currency account without conversion friction
- Suited to overseas Pakistanis managing funds remotely through the Roshan Digital Account
- Manageable through the RDA portal and the myABL app
UnionPay and PayPak Gold Debit Card
The UnionPay and PayPak Gold Debit Card runs on two networks simultaneously: UnionPay for international use and PayPak for domestic coverage.
- UnionPay network acceptance — widely used across China, the Middle East and over 180 countries
- PayPak network acceptance at domestic merchants and ATMs across Pakistan
- Gold-tier merchant discounts at partner outlets
- Contactless payment capability
- ATM access across Allied Bank’s branch network
UnionPay PayPak Classic Debit Card
The UnionPay PayPak Classic Debit Card is the entry-level dual-network card — practical for customers who transact primarily within Pakistan with occasional international use in UnionPay-accepting markets.
- PayPak domestic network acceptance across Pakistan
- UnionPay acceptance for international transactions
- ATM access across Allied Bank’s network and partner machines
- Standard daily transaction limits
Allied Basic Debit Card
The Allied Basic Debit Card is designed for customers with a Basic Banking Account or Allied Asaan Account — providing essential card access with no unnecessary requirements.
- ATM access at Allied Bank machines across Pakistan
- Basic point-of-sale functionality at domestic merchants
- Aligned with the low or zero minimum balance requirements of the Allied Basic Banking Account and Asaan accounts
Allied UPI PayPak Mobile Tap and Pay
The Allied UPI PayPak Mobile Tap and Pay turns an NFC-enabled smartphone into a contactless payment device — no physical card is involved.
- Card credentials stored on your mobile device
- Contactless payments at NFC-enabled POS terminals — tap your phone to pay
- Operates on the UPI and PayPak networks
- Linked to your Allied Bank account
- Managed entirely through the myABL app
- No physical card to lose or carry
Allied Bank Credit Cards
Allied Bank offers two credit cards both on the Visa network. Unlike debit cards, credit cards extend a revolving credit line. A markup rate (annual percentage rate) applies to any balance not settled in full by the payment due date.
Allied Visa Gold Credit Card
The Allied Visa Gold Credit Card is Allied Bank’s standard credit card contactless, chip-and-PIN enabled, and 3D Secure protected, with acceptance at over 118,000 merchant outlets in Pakistan and 44 million globally.
Pricing and Markup Rates
| Transaction Type | Rate |
|---|---|
| Retail, Cash, PO/DD/ABC Transactions | 2.83% monthly 34% APR |
| Balance Transfer & Easy Instalments | 2.00% monthly 24% APR |
Rates sourced from ABL’s product page (April 2026). Always confirm current rates in the prevailing Schedule of Charges before applying.
- Acceptance at over 118,000 merchants in Pakistan and 44 million outlets worldwide
- Cash advance of up to 50% of your credit limit at any ATM displaying the Visa or PLUS logo — available 24 hours a day
- Free credit period of up to 50 days from the date of purchase
- Contactless tap-to-pay at compatible terminals
- Chip and PIN authentication for in-person security
- 3D Secure (Verified by Visa) for all online transactions
- Flexible repayment — pay in full, partial amount or minimum due as stated on your monthly statement
- Allied Easy Instalments — convert large purchases into manageable monthly payments
- Balance Transfer Facility — transfer existing credit card balances at a lower 24% APR
- Supplementary cards available for family members
- Multiple repayment channels: myABL app, Allied Bank ATMs, 1-Bill, Allied Contact Centre, drop boxes and over-the-counter at any branch
- Valid Pakistani CNIC
- Minimum income requirement as assessed by Allied Bank’s credit team
- Satisfactory credit history
- Salaried or self-employed applicants both eligible
- Valid CNIC
- Recent salary slips (salaried applicants) or business income proof (self-employed applicants)
- Bank statements for the past three to six months
Allied Visa Platinum Credit Card
The Allied Visa Platinum Credit Card is the premium credit option — with a higher credit limit, enhanced benefits and privileges suited to frequent spenders and frequent travellers.
- Visa Platinum acceptance at millions of merchants in Pakistan and worldwide
- Higher credit limit than the Gold card
- Complimentary airport lounge access (subject to programme terms — confirm at the branch)
- Enhanced reward structure on eligible purchases
- Cash advance facility at Visa and PLUS network ATMs worldwide
- Contactless payments with chip and PIN in-person security
- 3D Secure (Verified by Visa) for online purchases
- Allied Easy Instalments for large purchase conversions
- Balance Transfer Facility
- Supplementary cards available for family members
- Full account management through the myABL app
- Valid Pakistani CNIC
- Higher minimum income threshold than the Gold card — confirmed at the branch
- Clean credit history
- Valid CNIC
- Recent salary slips or proof of business income
- Bank statements for the past three to six months
Allied Bank Debit Card Comparison
| Card | Details |
|---|---|
| Visa Infinite Debit | Network: Visa Infinite International: Yes Lounge: Domestic and international Contactless: Yes Best for: Premium account holders, frequent travellers |
| Visa Premium Debit | Network: Visa International: Yes Lounge: No Contactless: Yes Best for: Elevated everyday spending |
| Visa Platinum Debit | Network: Visa Platinum International: Yes Lounge: Domestic CIP lounges Contactless: Yes Best for: Mid-tier, domestic airport users |
| Visa Classic Debit | Network: Visa International: Yes Lounge: No Contactless: Yes Best for: Standard everyday use |
| Virtual Visa Debit | Network: Visa International: Online only Lounge: No Contactless: No Best for: Online shoppers |
| Foreign Currency Visa Debit | Network: Visa International: Yes Lounge: No Contactless: Yes Best for: RDA and FC account holders |
| UnionPay and PayPak Gold | Network: UnionPay and PayPak International: Yes (UnionPay markets) Lounge: No Contactless: Yes Best for: Customers trading with China or Middle East |
| UnionPay PayPak Classic | Network: UnionPay and PayPak International: Yes (UnionPay markets) Lounge: No Contactless: No Best for: Basic international coverage |
| Basic Debit Card | Network: PayPak International: Domestic only Lounge: No Contactless: No Best for: Basic Banking and Asaan account holders |
| UPI PayPak Tap and Pay | Network: UPI and PayPak International: Domestic Lounge: No Contactless: Yes (mobile NFC) Best for: Smartphone-first customers |
Allied Bank Credit Card Comparison
| Feature | Comparison |
|---|---|
| Network | Gold: Visa Platinum: Visa |
| Published APR (Retail) | Gold: 34% Platinum: Confirm at branch |
| Published APR (Balance Transfer) | Gold: 24% Platinum: Confirm at branch |
| Free Credit Period | Gold: Up to 50 days Platinum: Up to 50 days |
| Cash Advance | Gold: Up to 50% of limit Platinum: Up to 50% of limit |
| Airport Lounge | Gold: No Platinum: Yes (subject to programme terms) |
| Contactless | Gold: Yes Platinum: Yes |
| Easy Instalments | Gold: Yes Platinum: Yes |
| Balance Transfer | Gold: Yes Platinum: Yes |
| Supplementary Cards | Gold: Yes Platinum: Yes |
| Best For | Gold: First credit card, everyday credit use Platinum: High spenders, frequent travellers |
Security Features on Allied Bank Cards
Every Allied Bank card comes with a baseline of protections that apply regardless of tier.
- EMV chip and PIN — all physical cards carry an embedded chip. Chip-based transactions are significantly harder to clone than magnetic stripe transactions.
- 3D Secure (Verified by Visa) — for all Visa-network cards, online purchases require a one-time password (OTP) sent to your registered mobile number. This is Allied Bank’s secure online shopping layer — a confirmed match between your card and your registered device before any transaction is authorised.
- Instant card locking — lock or permanently block a lost or compromised card immediately through the myABL app without calling the branch.
- Transaction alerts — real-time SMS and in-app notifications for every transaction. Any unrecognised charge can be flagged immediately.
- Temporary limit enhancement — need a higher single-day limit for a large purchase or travel? Allied Bank allows a temporary limit increase on debit cards without permanently changing your settings. The request is made through the myABL app or branch.
How to Activate Your Allied Bank Card
Allied Bank’s Self Card Activation Service lets you activate a new debit or prepaid card without visiting a branch. Activation works through the myABL app or via myABL WhatsApp Banking on 0300-1225225.
To Activate via the myABL App
How to Apply for an Allied Bank Card
Existing account holders can request any debit card at any Allied Bank branch with a valid CNIC. Most cards are dispatched within a few working days.
New customers can open an account and receive a debit card in the same process. The fastest path is opening a myPakistan Digital Account entirely online — no branch visit required.
Credit card applicants must visit a branch with income documentation. Allied Bank’s credit team assesses each application; approval is not guaranteed and credit limits vary by applicant.
Overseas Pakistanis can apply for the Foreign Currency Visa Debit Card through the Roshan Digital Account portal — the entire process is done online.
Frequently Asked Questions
Q. Which Allied Bank card is best for international travel?
For debit, the Allied Visa Infinite Debit Card offers international lounge access and the highest transaction limits. For credit, the Visa Platinum Credit Card includes lounge access and a higher credit limit suited to travel expenses. Any Visa-network card — debit or credit — is accepted at Visa merchants worldwide.
Q. What is the markup rate on the Allied Bank Visa Gold Credit Card?
The Allied Visa Gold Credit Card carries a published APR of 34% for retail, cash and PO/DD/ABC transactions, and 24% for the Balance Transfer Facility and Allied Easy Instalments. These rates are sourced from ABL's product page and are subject to change per SBP policy. Always confirm the current rate in the Schedule of Charges before applying.
Q. Can I hold both a debit card and a credit card from Allied Bank?
Yes. A debit card draws from your account balance; a credit card gives you a separate credit line. Holding both is common — the debit card for daily transactions, the credit card for larger purchases or travel spend where the free credit period and instalment plans are useful.
Q. Is the Allied Virtual Visa Debit Card safe for online shopping?
Yes. The Allied Virtual Visa Debit Card is protected by 3D Secure (Verified by Visa) and exists only as a digital card number — your primary account details are never shared with online merchants. You can freeze or close it instantly through the myABL app if you suspect misuse.
Q. What documents are needed to apply for an Allied Bank credit card?
A valid CNIC, recent salary slips or proof of business income and bank statements for the past three to six months. Credit approval depends on Allied Bank's internal assessment and is not guaranteed. For the full Allied Bank card range, visit the Allied Bank cards section on abl.com, or manage your existing cards through the myABL app — available on Google Play, the Apple App Store and Huawei AppGallery.