Overview
Allied Bank welcomes you to a world of convenience and security with the UnionPay & PayPak Gold Debit Card. This globally accepted card works at millions of ATMs, Point of Sale (POS) merchants, and online shopping platforms.
In partnership with Golootlo, cardholders can avail discounts at 19,000+ merchants across Pakistan—including food outlets, retailers, and service providers.
With the built-in NFC feature, you can simply tap your card at NFC-enabled terminals or ATMs for seamless and secure contactless transactions.
Note: For bank charges, please refer to the Schedule of Charges.
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Shop Anywhere: Make purchases at millions of retailers worldwide.
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Shop Online: Enjoy the convenience of online shopping with your Gold Debit Card.
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Exciting Discounts: Avail exclusive discounts at Golootlo partner outlets across Pakistan. Click here for details.
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Higher Transaction Limits: Benefit from increased daily limits for digital channels.
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myABL Digital Banking Access: Manage your card—activate, block, set PIN, or enable e-commerce/international usage—all via myABL.
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Bill Payments: Pay utility, telecom, education, and government bills via myABL and ABL ATMs.
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Dine Out with Ease: Pay your restaurant bills directly from your account.
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Travel the World: Book flights and travel services conveniently.
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Grocery Shopping: Pay directly at supermarkets without cash.
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Cash Withdrawal: Access your funds through millions of ATMs globally.
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Fuel Up: Pay at fuel stations with your debit card.
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Stay Alert: Get SMS notifications for all your transactions for added security.
Individuals, sole proprietors, and joint account holders (either/survivor) meeting any of the following criteria at the time of issuance:
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Minimum annual income of Rs. 500,000
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Account balance of Rs. 100,000 or more
Visit your nearest Allied Bank branch today to avail the UnionPay & PayPak Gold Debit Card and start enjoying premium benefits.
Transaction Type |
Daily Limit |
|---|---|
| ATM Cash Withdrawal | Rs. 200,000 |
| POS / e-Commerce | Rs. 250,000 |
| ATM Fund Transfer | Rs. 250,000 |
| ATM Bill Payment / Donation | Rs. 1,000,000 |
Category |
Daily Limit (PKR) |
Monthly Limit (PKR) |
|---|---|---|
| International Cash Withdrawal | 60,000 | 300,000 |
Q1. Will my existing Visa Sapphire Debit Card continue to work?
Yes, your current Visa Sapphire Debit Card will remain valid until its expiry. Upon renewal, you will automatically receive the UnionPay & PayPak Gold Debit Card.
Q2. How can I get the UnionPay & PayPak Gold Debit Card?
You can visit your nearest Allied Bank branch to request the UnionPay & PayPak Gold Debit Card. Existing customers with a Visa Sapphire Debit Card may also upgrade to this card.
Q3. Where can I use my UnionPay & PayPak Gold Debit Card?
This card is accepted at millions of ATMs, POS (Point of Sale) terminals, and online merchants both locally and internationally.
Q4. How do I avail Golootlo discounts on my card?
Use your UnionPay & PayPak Gold Debit Card at any merchant displaying the ‘Golootlo Discount’ sign to enjoy exclusive offers. For participating outlets and available discounts, please click here. You can also explore more deals on the Deals & Discounts section of Allied Bank’s website.
Q5. How do I activate my UnionPay & PayPak Gold Debit Card?
You can activate your card through any Allied Bank ATM using the biometric option, by calling Allied Phone Banking at (042/021) 111-225-225, or via myABL Digital Banking (if registered).
Note: Inactive cards for 90 days will be permanently blocked and require reissuance.
Q6. What transactions can I perform using my debit card?
Your card supports the following transactions:
POS & Online Shopping:
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Retail purchases at merchant outlets
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E-commerce transactions
Allied Bank ATM Services:
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Cash withdrawal
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Balance inquiry
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Bill payments
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Donations
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Cheque book request
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Fund transfer
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Mini statement
Other Banks’ ATM Services:
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Cash withdrawal
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Balance inquiry
Q7. What is the contactless feature?
The contactless payment feature uses NFC (Near Field Communication) to conduct transactions by tapping your card near an NFC-enabled terminal—no need to swipe or insert.
Q8. How do I use my contactless debit card?
Look for the contactless symbol on POS terminals or ATMs. Tap your card close to the symbol. You may be required to enter your PIN for verification in certain cases.
You can also use your card by dipping it into chip-enabled terminals.
Q9. Is contactless payment secure?
Yes, contactless payments are secure. The UnionPay & PayPak Gold Debit Card uses EMV chip technology, offering enhanced security compared to carrying physical cash.
Q10. How do I shop online using my card?
To enable your card for online transactions:
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Login to myABL Digital Banking and activate online usage under “Debit Card Services,” or
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Call Allied Phone Banking at (042/021) 111-225-225 from your registered mobile number.
Once activated, your card can be used at online stores that accept UnionPay.
Q11. Do I need to activate my card for international use?
Yes. To enable international usage:
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Activate it via myABL Digital Banking, or
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Call Allied Phone Banking from your registered number.
Your card can then be used at international merchants accepting UnionPay.
Q12. What are the daily transaction limits for my debit card?
Please refer to the Transaction Limits section above for detailed information.
Q13. What should I do if my card is lost or stolen?
Immediately contact Allied Phone Banking at:
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(042/021) 111-225-225 (within Pakistan)
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+92 21 35301094 (outside Pakistan)
You may also block the card instantly via myABL Digital Banking.
Q14. Should I share my PIN at a POS terminal?
Never share your PIN. Always enter it discreetly when conducting POS transactions. If you face any issues, contact Allied Phone Banking at (042/021) 111-225-225.