Allied Visa Gold Credit Card
The Allied Visa Gold Credit Card suits customers who want a reliable, no-frills card. It is accepted at over 118,000 merchant outlets across Pakistan. Globally, the card works at more than 44 million outlets and 1.9 million ATMs.
Who Can Apply
ABL account holders meeting the bank’s standard credit assessment criteria can apply for this card. Applicants go through routine credit checks before a limit is assigned.
The maximum credit limit for the Gold Card is PKR 500,000.
Fees
| Fee Type | Amount |
|---|---|
| Annual Membership Fee (Gold Card) | PKR 3,500 |
| Supplementary Gold Card (per year) | PKR 900 |
This fee applies at issuance and on every card anniversary, regardless of activation.
Simply spend PKR 25,000 or more within three months of receiving your card. This reward gives regular spenders a clear way to offset the yearly cost.
Allied Visa Platinum Credit Card
The Allied Visa Platinum Credit Card is designed for customers who travel often or spend more. It includes everything the Gold Card offers, plus added travel and lifestyle privileges.
The maximum credit limit goes up to PKR 7 million.
Who Can Apply
Eligibility works the same way as the Gold Card, subject to ABL’s credit assessment process. Higher limits typically require a stronger credit profile.
Fees
| Fee Type | Amount |
|---|---|
| Annual Membership Fee (Platinum Card) | PKR 7,000 |
| Supplementary Platinum Card (per year) | PKR 1,800 |
As with the Gold Card, this fee applies whether or not the card has been activated.
Fee reversal works differently for Platinum cardholders. You need to spend at least PKR 50,000 within three months to qualify. This threshold reflects the card’s higher credit limit and added benefits.
Platinum Travel Benefits
Complimentary access to CIP lounges at Lahore, Islamabad, Faisalabad, Peshawar and Multan airports for domestic and international departures, by presenting your Allied Visa Platinum Credit Card at the lounge. In Karachi, free Prestige Lounge (domestic departures) and Majestic Lounge (international departures) access is also extended.
Visa Platinum cardholders can avail six free international lounge visits per year through LoungeKey.
Access to over 1,300 lounges worldwide; Priority Pass lounge visit charges apply as per the prevailing Schedule of Charges.
Adds golf privileges, dining offers, and exclusive travel packages.
Provides 24/7 global assistance for cardholders abroad.
Markup Rates and How They Are Calculated
Both Allied Bank credit card variants carry the same markup structure as per the current Schedule of Charges.
These rates apply as per the prevailing Schedule of Charges and may change over time. For example, a PKR 10,000 cash advance held for 10 days would incur roughly PKR 93 in finance charges.
Worked Example: Retail Purchase Markup
| Transaction Date | 30-May-2026 |
| Transaction Amount | Rs. 10,000 |
| Statement Generated | 10-Jun-2026 |
| Payment Due Date | 30-Jun-2026 |
| Payment Received | 10-Jul-2026 |
| Days Overdue | 41 days |
| Markup Applied | 34% p.a. for 41 days |
| Markup Amount | ≈ Rs. 382 |
| Total Payable | ≈ Rs. 10,382 |
Excluding any applicable fees, taxes, and other transactions.
Repayment and Buy Now, Pay Later
Both cards offer a free credit period of up to 50 days from your purchase date. This means you can shop now and settle your bill later, interest-free, within that window.
Note: The interest-free period is lost if any balance from a previous bill remains unpaid.
How to Repay
You can repay through several channels for convenience:
2% of your outstanding principal, plus markup, taxes and other charges.
Cash Advance and Balance Transfer Facility
Cardholders can withdraw up to 50% of their credit limit in cash at any time. This cash advance facility works at ATMs displaying the VISA or PLUS logo, 24 hours a day.
If you carry balances on another bank’s credit card, you can transfer them to Allied Bank. The Balance Transfer Facility charges a lower rate compared to retail transactions.
Security and Convenience Features
Security and Convenience Features
Allied Visa Credit Cards can be activated through Allied Contact Center or through the myABL App and myABL Internet Banking Portal, from anywhere at any time. Your Credit Card PIN can also be generated or changed through Allied Contact Center or the myABL App / Internet Banking Portal.
Cross-border usage is capped at USD 30,000 annually as per SBP regulations, so plan international spending accordingly. Get the cross-border transactions facility activated through Allied Contact Center before travelling abroad.
Frequently Asked Questions
Q. What is the difference between the Allied Visa Gold and Platinum Credit Card?
The Gold Card offers a PKR 500,000 limit, while the Platinum Card goes up to PKR 7 million. Platinum cardholders also get complimentary airport lounge access in Pakistan, a Priority Pass card for access to airport lounges under the Priority Pass program across the world, and Visa Platinum Club privileges.
Q. How can I get my annual fee reversed?
Spend PKR 25,000 within three months for the Gold Card, or PKR 50,000 for the Platinum Card. The fee is reversed once this spending threshold is met.
Q. Is there a free credit period on Allied Bank credit cards?
Yes, both cards offer up to 50 days of interest-free credit on retail purchases. This period does not apply to cash advances or balance transfers.
Q. How do I activate eCommerce transactions on my card?
Online transactions are activated by default; however, you can manage their activation and deactivation by contacting the 24x7 Allied Contact Center on 111-225-225.
Q. What happens if my card is lost or stolen?
Report it immediately to Allied Contact Center on 111-225-225, or on +9221-35301094, if you are abroad. The Zero Loss Liability feature protects you from unauthorised transactions made after you report it. Your spending habits should guide your choice between the Allied Visa Gold Credit Card and the Allied Visa Platinum Credit Card. If you travel frequently, the Platinum Card's lounge access and higher limit may suit you better. For everyday spending without travel perks, the Gold Card offers solid value at a lower annual cost. Before applying, review the latest Schedule of Charges to confirm current fees and rates. You can also explore Allied Bank's debit card options if you prefer a card without a credit facility.