myABL Coins

All ABL Debit/Credit card customers (excluding myABL Wallet debit card holders) are automatically enrolled in the myABL Coins program.

You can earn myABL Coins based on your card type, transaction mode, and spending amount. See the matrix below:

* Spend amount of PKR 500 is used for illustration. Actual coins are calculated using the % listed above.
** International POS in PKR earns coins at domestic rate.

Coin Value: 1 myABL Coin = PKR 1
Note: Allied Bank reserves the right to amend this matrix without prior notice.

You can redeem your coins through two simple methods:

1) myABL Coins Marketplace

Access a wide variety of redemption options from top brands through the myABL Coins marketplace, including:

• Flights: Book airline tickets worldwide

• Airport Lounges: Enjoy premium travel services

• Hotels: Reserve rooms at leading international hotels

• Gift Vouchers: Choose from top brands

• Online Shopping: Shop everyday essentials and lifestyle products

Access Channels:

• myABL Web Portal

• myABL Mobile App

• https://coins.myabl.com (view-only access)

To redeem coins, please log in via myABL web or app.

2) Allied Phone Banking

Call (042) 111-225-225 and ask the Allied Phone Banking Agent to redeem coins on your behalf.

Coins are valid for 3 years from the date of accumulation.
Example: Coins earned in October 2022 will expire in November 2025.

Expired coins cannot be redeemed.

• You will receive SMS and/or email alerts for every coin redemption.

• View your coin statements anytime at the myABL Coins marketplace.

• A monthly e-statement is also sent to your registered email address.

Q. What does myABL Coins mean?

myABL Coins is Allied Bank’s loyalty program that allows you to earn coins on every debit or credit card purchase made through POS (in-store) or online/eCommerce merchants.

Q. What are Coins?

Coins are loyalty points earned by customers using eligible products under the myABL Coins program. These coins can be redeemed for a variety of rewards.

Q. How do I earn Coins?

You can earn myABL Coins on the following transaction types:

• Retail transactions using debit or credit cards at local or international POS terminals

• Online/eCommerce transactions using debit or credit cards

Q. What types of cards are included in the myABL Coins program?

All individual debit and credit cards (excluding myABL Wallet debit cards) issued by Allied Bank are eligible for the program.

Q. What is the validity period of myABL Coins?

Earned myABL Coins remain valid for 3 years from the date of accumulation.

Q. Are there any charges to participate in myABL Coins?

No. Participation in the myABL Coins program is absolutely free for eligible customers.

Q. What is the myABL Coins Marketplace?

The myABL Coins Marketplace is a dedicated online platform where Allied Bank customers can redeem their coins across a wide range of domestic and international merchants.

Q. How can I access my myABL Coins account?

You can access your account through:

• myABL Internet Banking

• myABL Mobile Banking App

Q. How do I redeem my myABL Coins?

Coins can be redeemed through:

• myABL Internet Banking or Mobile Banking

• Allied Phone Banking by calling (042) 111-225-225

Q. How can I check the balance of my earned Coins?

You can check your coin balance:

• Through myABL Coins Marketplace via Internet or Mobile Banking

• By calling Allied Phone Banking at  (042) 111-225-225

Q. What products or services are available for redemption in the Marketplace?

You can redeem your coins for a variety of services and products, including:

• Travel (Flight and Hotel bookings, Airport Lounge access)

• Gift Vouchers

• Online Shopping

• Coins Transfer (to Partner Rewards Programs)

Q. Can I have more than one myABL Coins account?

No. A customer can have only one myABL Coins account. All eligible coins are accumulated under this account.

Q. How do I get proof of Coins redemption?

You will receive:

• An SMS or email notification on your registered mobile number/email

• You may also view your updated coins balance at the myABL Coins Marketplace

Q. What should I do if Coins are not credited or deducted incorrectly?

You can report such issues by:

• Calling (042) 111-225-225

• Emailing [email protected]

Note: Complaints must be submitted within 45 days of the transaction.

Q. How can I check the status of my orders?

Order status can be viewed under the Order History section of myABL Coins Marketplace, available in the My Account tab.

Q. Are there any charges for redeeming Coins?

No. There are no charges for redeeming myABL Coins.

Q. What if I face issues booking a flight or hotel on the Marketplace?

Please call Allied Phone Banking at (042) 111-225-225 for assistance.

Q. How can I cancel a flight or hotel booking?

You can call (042) 111-225-225 at least 48 business hours before your flight or hotel check-in date.

Cancellations are subject to partner policies and may incur penalties.

Q. Will Coins be cancelled if my credit card is closed?

Yes. Coins earned on credit card transactions will be cancelled upon card closure.

Q. Will Coins be cancelled if my debit card is closed?

No. Coins will only be cancelled if the bank account linked to your debit card is closed.

Q. What happens to my Coins if my card is lost or stolen?

Coins earned on your lost or stolen card will be transferred to the new card automatically.

Q. How can I enroll in the myABL Coins Program?

No action is needed. All eligible debit and credit cardholders (including supplementary cards) are automatically enrolled.

Q. Will Coins be cancelled if I cancel a transaction?

Yes. If a transaction is reversed, the earned Coins will also be cancelled.

Q. What should I do if I receive damaged goods?

Contact Allied Phone Banking at (042) 111-225-225 within 48 hours of receiving the damaged goods.

Q. Can I cancel an online shopping order after placing it?

No. Once an order is placed through the online shop, it cannot be cancelled, refunded, or exchanged.

Q. What is the validity of gift vouchers?

Gift voucher validity is based on the terms and conditions mentioned by the respective merchant.

Q. How can I access airport lounges using myABL Coins?

You can:

• Present your lounge voucher at the counter, or

• For Dragon Pass members, input the voucher code in the app to gain access.

1) Definitions

• “Bank” refers to Allied Bank Limited and/or its successors and/or permitted assignees.

• “You”, “Your”, and “Yours” refer to customers of Allied Bank.

• “Customer” means an individual holding an Allied Bank account and/or Allied Bank debit or credit card.

• “Primary Cardholder” is the person to whom an Allied Bank card is issued and who solely operates the account.

• “Supplementary Cardholder” refers to an additional cardholder using a card issued under the Primary Cardholder.

• “myABL Coins” is Allied Bank’s loyalty program that rewards customers with points for using select banking products and services.

• “Coins” are loyalty points earned under the myABL Coins program, redeemable through the myABL Coins marketplace.

• “myABL Coins Account” is the account where a customer’s earned coins are stored.

• “myABL Coins Marketplace” is the digital platform where customers redeem coins for goods and services.

• “Partner” means an independent company/entity/merchant associated with myABL Coins for offering products/services. Allied Bank is not their agent nor guarantees their services.

• “OTP” stands for One Time Password.

2) Earning Coins

• Coins are applicable only on POS and eCommerce purchases via Allied Bank debit and credit cards.

• Coins earned across multiple cards are clubbed at the customer level.

• Supplementary card transactions earn coins which are credited to the Primary Cardholder and redeemable by them only.

• Only active cardholders can earn coins.

• Coins are reversed if the transaction is reversed/cancelled.

• Each coin equals PKR 1 in value. The Bank reserves the right to amend this value without prior notice.

3) Redemption of Coins

• myABL Coins are redeemed via third-party partners, responsible for product/service quality and delivery.

• The Bank only acts as a liaison between customers and partners and is not liable for product/service outcomes.

• Coins once redeemed cannot be reversed, except where partners fail to deliver. Customers must share evidence for reversal. The Bank’s decision is final.

• Redemption is allowed only if the customer’s banking relationship is in good standing (e.g., no overdue credit cards).

• Bank may deny or cancel redemption at its sole discretion.

• Redemption categories and options may change without notice.

• Coins cannot be converted to or redeemed for cash.

4) Cancellation of myABL Coins

Coins may be cancelled if:

• A credit card linked to accumulated coins is closed or cancelled.

• A debit card’s linked bank account is closed.

• A customer is found using unethical means or violates policies to earn or redeem coins.

5) Failure or Breach

• Bank may refuse or cancel coins earned through unnatural or irregular transactions.

6) Other Provisions

• These terms are supplementary to Allied Bank’s general terms for accounts and e-banking services.

• Goods/services purchased via myABL Coins cannot be returned or exchanged for cash.

• The Bank is not liable if the marketplace is unavailable due to unforeseen or uncontrollable events (e.g., technical failure, maintenance).

• The Bank does not guarantee error-free service on the marketplace.

• The customer is solely responsible for safeguarding OTPs and passwords. Fraud due to negligence is the customer’s liability.

• Allied Bank never asks for confidential information via phone, SMS, or email. The official calling number is 1222 (not 111-225-225). Sharing personal data with fraudulent callers is at the customer’s own risk.

• These terms do not override any existing terms governing other Allied Bank products and services.

7) Indemnity

The customer agrees to indemnify and hold Allied Bank harmless from any claims, losses, or liabilities arising from:

• Use of the myABL Coins Marketplace (by the customer or anyone using their credentials).

• Breach of these terms and conditions by the customer or someone using their account.

8) Complaints Handling

• To cancel bookings or raise service-related concerns, contact Allied Bank Call Center at 111-225-225.

• For all other issues, email [email protected].

• Complaints submitted after 3:00 PM will be processed the next working day.

• Coin-related discrepancy complaints must be submitted within 45 days of the transaction. Late submissions will not be entertained.

• If a selected product is out of stock or unavailable, this will be reflected on the marketplace or communicated by the Bank. Redeemed coins will be adjusted accordingly.

• Allied Bank is not responsible for quality or delivery delays related to goods or services.

• The Bank reserves the right to change the myABL Coins program, eligibility, coin value, redemption process, and features without notice.

• All changes or decisions made by Allied Bank will be final and binding. Customers waive the right to contest these decisions.