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Pricing of Allied VISA Credit Card

Description Pricing
Retail, Cash, PO/DD/ABC Transactions 2.83% of the outstanding amount per month, equivalent to an APR of 34%.
Balance Transfer Facility & Allied Easy Installments 2.00% of the outstanding amount per month, equivalent to an APR of 24%.

1) The Most Attractive Service Charges

The Allied Visa Credit Card currently offers one of the most competitive Annual Percentage Rates (APR) in the market:

  • 34% for Retail, Cash, and PO/DD/ABC transactions

  • 24% for Balance Transfer Facility (BTF)

Use your card for daily spending and enjoy unmatched savings.

Please refer to the prevailing Schedule of Charges (SOC) for the most up-to-date APR information.

2) Convenience of Contactless Transactions

Your Allied Visa Credit Card allows you to perform contactless transactions in card-present environments. Simply tap your card near a compatible POS terminal—no swiping or inserting required.

3) Enhanced Security Features

Use your Allied Visa Credit Card with complete confidence, thanks to enhanced security measures including:

  • Chip & PIN authentication for in-person transactions

  • 3D Secure (Verified by Visa) for online purchases

These features significantly reduce the risk of card-related fraud. Plus, there are no one-time or recurring chip maintenance fees—security at no extra cost.

4) Buy Now, Pay Later

Enjoy a free credit period of up to 50 days from the date of purchase. Shop now and pay later, giving you financial freedom and flexibility.

5) Global Acceptance

Your Allied Visa Credit Card is accepted at over 100,000 merchants in Pakistan, more than 44 million outlets globally, and 1.9 million ATMs worldwide—making it your ideal travel companion.

6) Flexible Repayment Options

When it’s time to pay your credit card bill, you have multiple options:

  • Pay the full outstanding amount

  • Make a partial payment

  • Pay only the minimum amount due, as mentioned in your monthly statement

7) Repayment Channels

Choose from a wide range of convenient payment channels:

  • myABL Internet Banking

  • myABL Mobile App

  • Allied Bank ATMs

  • 1-Bill Payment Service

  • Allied Phone Banking

  • Drop Box facilities

  • Over-the-counter payment at any Allied Bank branch

8) Cash Advance Facility

As an Allied Visa Credit Card member, you are entitled to avail up to 50% of your credit limit in cash. Simply visit any ATM displaying the VISA or PLUS logo to withdraw cash—24 hours a day.

Example: A service charge of 34% per annum (equivalent to 2.83% per month) will be charged from the date of the cash advance transaction.

(Note: The applicable rate may vary. Please refer to the latest Schedule of Charges for current rates.)

9) Supplementary Cards

Want to share the benefits of your Allied Visa Credit Card? Now you can! Issue up to two supplementary cards and extend the privileges of your card to friends, family, or anyone you choose.

10) Zero Loss Liability

The Zero Loss Liability feature protects you from unauthorized transactions if your card is reported lost or stolen. Notify Allied Phone Banking immediately at:

11) Balance Transfer Facility

If you have outstanding balances on a credit card from another bank, transfer them to your Allied Visa Credit Card at a low markup rate of 24% under the Balance Transfer Facility (BTF)—and start saving more.

12) SMS Alerts

Stay informed whenever your card is used. Allied Bank’s SMS Alert service notifies you in real-time of every transaction. You’ll also receive alerts for:

  • Monthly statement generation

  • Minimum payment due

  • Due date reminders

The following example illustrates the calculation method:

Item Details
Transaction Amount Rs. 10,000
Transaction Date 20-04-2023
Statement Date 30-04-2023
Annual Percentage Rate (APR) 34% (Daily Rate: 0.094%)
Number of Days 10
Finance Charges 10,000 × (34% ÷ 365) × 10 = Rs. 93.15
Total Payable Amount Rs. 10,093.15
Additional Charges Flat fee per transaction (as per SOC)

 

The following example explains the calculation method:

Item Details
Transferred Amount Rs. 10,000
Transaction Date 20-04-2023
Statement Date 30-04-2023
Annual Percentage Rate (APR) 24% (Daily Rate: 0.067%)
Number of Days 10
Finance Charges 10,000 × (24% ÷ 365) × 10 = Rs. 65.75
Total Payable Amount Rs. 10,065.75
Additional Charges Flat fee per BTF transaction (as per SOC)

(Note: A flat fee applies to every BTF transaction as per the SOC. The applicable markup rate may vary; please consult the latest Schedule of Charges.)

Karachi Branches with Drop Boxes

Branch Name Address Phone Number(s)
Buffer Zone (0719) Shop No. A1/A4, Block-A, ST-21/1, Sector 14/B, Buffer Zone (021) 36989533, 36971313
Survey Centre (0684) Plot No. SC-8, Block-N, Nazimabad Survey Centre, Allama Rashid Turabi Road (021) 36648145, 36648985, 36648195
Haidery Market (0161) Sooqul Aman Apartments, Block G, North Nazimabad (021) 36647892, 36674760, 36705223
S.I.T.E. (0171) B-12/C, S.I.T.E. (021) 32568335, 0301-8630171
Taj Complex Block-A, Taj Residential Complex, Shop No. 10–13, Ground Floor, M.A. Jinnah Road (021) 32784715, 32782064
Zaib-un-Nisa Street (0178) Survey No. 12, Street No. SB4, Saddar Bazaar Quarter, Zaib-un-Nisa Street, Saddar (021) 35210726, 35220715, 35215378, 35210820, 35676501
Saima Trade Tower (0641) Ground Floor, I.I. Chundrigar Road (021) 32635065, 32212101, 32215702, 0301-8480641
Bath Island (0949) Plot No. 13, FT-4, Clifton, Broadway, Khayaban-e-Iqbal, Karachi (021) 35300626, 35875639, 35860058
Clifton (0134) Plot No. D-18, Showroom No. 10-A, The Residence, Block-8, Choudhary Khaleeq-uz-Zaman Road, Punjab Chowrangi (021) 35168688, 35168689
Khayaban-e-Badar (0169) Plot No. 23-C, 26th Street, Phase V, D.H.A., Main Khayaban-e-Badar, Commercial Area (021) 35853995, 35348280
Star Gate (0418) Shop No. 2 & 3, Fort Sultan, Main Shahrah-e-Faisal (021) 34618996, 0301-8200418
Shahrah-e-Faisal (0420) 22-A, Amber Tower, P.E.C.H.S., Shahrah-e-Faisal (021) 34538985, 34388683, 34324057, 34324058, 34324004, 34388017
Tariq Road (0174) Plot No. 26-C, Block-II, P.E.C.H.S. Commercial (021) 34554409, 34382269, 34554981, 34549340, 0301-8730174
University Road (0678) SB-6, Al-Sultan Building, Block 13-C, Near Ashfaq Memorial Hospital, Gulshan-e-Iqbal (021) 34824263-4, 34985124
Rashid Minhas Road (0683) Shop No. 15–19, Akbar Paradise, Opp. Aladin Park, Gulshan-e-Iqbal (021) 34829480, 34837788, 34821964, Hotline: 34832347
Gulistan-e-Johar (0396) Shop No. 6–8, Akbar Paradise, Block-10-A, Gulistan-e-Johar, Karachi (021) 34618996

Lahore Branches with Drop Boxes

Branch Name Address Phone Number(s)
Napier Road (0222) 30, Napier Road. (042) 37248341, 37231290
Kashmir Road (0722) 8, Kashmir Road. (042) 36305840, 36302272
Wahdat Road (0540) 2-A, Wahdat Road. (042) 35850355, 35838198
Cavalry Ground (0933) Cantonment Plaza, Commercial Area, Cavalry Ground. (042) 36601617, 39220595
Gulberg (0361) 7-E/III, Main Boulevard, Gulberg. (042) 35759177, 35757446
Model Town (0790) Qaiser Building, Model Town Link Road. (042) 35868675, 35885177
D.H.A. (0780) 142, Y-Block, Commercial Area, D.H.A., Cantt. (042) 35742478, 35740462
Shadman (0227) Shadman Market, Shadman Colony. (042) 37424496, 37424428
Gari Shahu (0542) Durand Road, Garhi Shahu. (042) 36370197, 36294084
Upper Mall (0979) 199, Upper Mall. (042) 35759870, 35752978
Jail Road (0530) LDA WASA, Jail Road. (042) 35762590, 35713078
Allama Iqbal Town (0688) Plot No. 14, Gulshan Block, Allama Iqbal Town. (042) 37811037–38, 35412192–93

Islamabad Branches with Drop Boxes

Branch Name Address Phone Number(s)
F-10 Markaz (0773) Plot No. 6-A, F-10 Markaz (051) 2290421, 2293980, 0302-8380773
Blue Area (0702) Jinnah Avenue, Blue Area (Corporate Branch, Pk0010443) (051) 2805127, 2805137, 2805131
F-7 Markaz (0581) Sector F-7/2 (051) 2651109, 0301-8310581
Aabpara Aabpara Market (051) 2875400
I-9 Markaz (0583) Plot No. 3-1, Shop No. 1, 2 & 3, I-9 Markaz (051) 4444242, 0301-8370583
Cabinet Secretariat (0793) Cabinet Secretariat Building (051) 9220247, 9213290
Sector G-8/3 (0624) Plot No. 56, I & T Centre, Sector G-8/1 (051) 2264917, 2855866, 2289341

Rawalpindi Branches with Drop Boxes

Branch Name Address Phone Number(s)
Kashmir Road (0338) Plot No. 65/2, Kashmir Road (051) 5564494
Afshan Colony (0737) Shop No. 1, 2 & 3, Feroze Plaza, Range Road, Afshan Colony (051) 5582034
Chaklala Scheme-III (0757) Plot No. 61, Main Commercial Area, Chaklala Scheme-III (051) 5766093-4
Satellite Town (0345) Property No. D-654, Satellite Town (051) 4451824

Faisalabad Branches with Drop Boxes

Branch Name Address Phone Number(s)
Satiana Road (0245) Satiana Road, Chak No. 224/RB, Sityana Road, Faisalabad (041) 9220278, 9220045, 0300-7983702, 041-8721702
Peoples Colony (0488) Plot/Building No. 23-D, Peoples Colony, Faisalabad (041) 9220129, 9220280, 0322-6277675
Jinnah Colony (0491) P-87, Jinnah Colony, Faisalabad (041) 2603365, 2621828, 0322-8606666
Model Branch (0493) Outside Chiniot Bazaar, Model Branch, Kotwali Road, Faisalabad (041) 2541250–54, 041-2541251, 0321-6658944
G.M. Abad (0647) 253-B, Saddar Bazar, Ghulam Muhammad Abad, Faisalabad (041) 2692921, 2692296, 0301-8200647 (repeated number removed)
Gulistan Colony (0866) Plot No. 153-B, Millat Road, Gulistan Colony, Faisalabad (041) 8780517, 8780518, 0301-8430866
Madina Town (0867) 57-Z, 8.S.R., Madina Town, Faisalabad (041) 8720955, 8546343, 9220277
Jail Road (0983) Khewat 4592, Khatooni 6142/1, Sq 33–34, Khasra 1/2, 2/2, 5/6, Chak 122/JB, Opposite PMC, Faisalabad (041) 8813201–05
Chak No. 220/RB Firdous Colony, Jhang Road, Faisalabad (041) 2655841–941
15-Club Road (0665) 5 Club Road, Main Faisal Lane, Off Club Road, Civil Lines, Faisalabad (041) 2409413–14, 249416–19, 0301-8450665
Amin Town (0226) KHE 1694, KHA 2101, KHAS 38/18/1 & 18/2, QITTA 2, Canal Road, Adjacent to Saleemi CNG, Chak 213, Faisalabad (041) 2421529, 2421270, 2421295, 0301-8590226

 

Need assistance with your Allied Visa Credit Card? Allied Phone Banking is available 24/7. Call us at 042-111-225-225 for immediate support.

Allied Visa Credit Cardholders can access Visa’s Global Customer Assistance Service (GCAS) while traveling abroad, applicable for Visa Gold and Platinum cardholders.

Q1. When is the Membership Fee applied?

The Annual Membership Fee is applied at the time of issuance and subsequently on each anniversary of the credit card, regardless of whether the card has been activated.

Q2. What are the requirements for reversal of the Annual Membership Fee?

For Gold Cards, the Annual Membership Fee may be reversed upon spending a minimum of Rs. 25,000 within a period of three (03) months. For Platinum Cards, reversal is applicable upon spending a minimum of Rs. 50,000 within the same period.

Q3. Do I need to inform Allied Bank when traveling abroad and activate my Allied Visa Credit Card for international use?

Yes. You must notify Allied Bank via the helpline and request activation of your card for international POS/ATM transactions. Additionally, you may need to activate fallback to magnetic stripe transactions if required.

Q4. What is fallback to magnetic stripe transactions?

In Pakistan, merchants are mandated to perform chip-based transactions to enhance card security against skimming fraud. If your card’s chip malfunctions or the international merchant lacks chip-enabled POS terminals, your card may use the magnetic stripe for transactions. To enable this, you must request activation of the fallback to magnetic stripe facility before traveling.

Q5. Is there a limit on credit card usage abroad?

Yes. The State Bank of Pakistan (SBP) has set an annual limit of up to USD 30,000 for card-based cross-border transactions (ATM, POS, and e-Commerce). You must ensure that your international usage, including online transactions, stays within this limit.

Q6. Do I need to activate e-Commerce transactions for my credit card?

No. The e-Commerce (online) transaction facility for both local and international merchants is already activated on your credit card.

Q7. What information is required to perform an online transaction?

To complete an online transaction, you will need the following information:

  • Valid Credit Card Number

  • CVV (3-digit Card Verification Value on the back of the card)

  • Credit Card Expiry Date

  • OTP (One-Time Password – only for Verified by Visa websites)

Q8. How do I shop online with my Allied Visa Credit Card?

To use your Allied Visa Credit Card for e-Commerce transactions:

  1. Initiate the purchase on any online merchant site and enter your card details.

  2. If the merchant is Verified by Visa (VBV) compliant, you will be redirected to the Allied Bank VBV screen.

  3. Select your preferred OTP delivery channel (registered mobile number or email).

  4. Enter the 6-digit OTP received to authorize the transaction.

Q9. How long is the OTP valid?

The OTP is valid for 5 minutes. If it expires, you can re-generate it by clicking the provided link, which will return you to the OTP selection screen.

Q10. Will I receive an OTP for all online shopping transactions?

OTP is mandatory for all transactions on Verified by Visa-compliant websites. For non-compliant websites, an OTP may not be sent.

Q11. What should I do if I receive an OTP for a transaction I did not initiate?

Do not share the OTP with anyone. Immediately contact Allied Phone Banking at 042-111-225-225 to report the issue.

Q12. Will I receive a notification upon successful transaction?

Yes. A transaction alert will be sent to your registered mobile number and/or email address, provided you are enrolled in this service.

Q13. What should I do if I am charged for a transaction I did not authorize?

Visit your nearest Allied Bank branch or call Allied Phone Banking at 042-111-225-225 to report and dispute the transaction within 90 days from the transaction date.

Q14. Can I use my Allied Visa Credit Card for business or commercial purposes?

No. The card is intended for personal use only. Commercial usage is prohibited. Business transactions are allowed only through Corporate Credit Cards.

Q15. How do I access Priority Pass Airport Lounges?

Present your Priority Pass card at any participating airport lounge. These lounges offer premium services and a comfortable environment prior to your flight. Each visit is charged at USD 30 per person (please refer to the latest Schedule of Charges for current rates).

Download Allied Visa Gold Credit Card Documents

Allied Visa Gold Credit Card Booklet
Summary Box of Allied VISA Credit Card
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