Allied Visa Gold Credit Card

Pricing of Allied VISA Credit Card

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:

• Within Pakistan: 042-111-225-225

• Outside Pakistan: +92-21-35301094

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:

The following example explains the calculation method:

(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

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.

• Gold Credit Card Booklet

• Allied Visa Credit Card Summary Box

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 abroad to enjoy premium services and a comfortable environment before your flight in foreign countries. Each visit will be charged at the actual rate applicable as per Priority Pass Pvt Ltd SOC (please refer to the latest Schedule of Charges for current rates).