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Overview – Foreign Currency Visa Debit Cards for Roshan Digital and Foreign Currency Accounts

Resident and non-resident Pakistanis can avail Visa Debit Cards against their Roshan Digital Foreign Currency Value Account (FCVA) and Foreign Currency (FCY) accounts. These cards are designed to complement your lifestyle and provide round-the-clock accessibility to your funds.

The Visa Debit Card is equipped with Near Field Communication (NFC) technology, allowing you to complete transactions by simply tapping your card at ATMs or POS terminals displaying the contactless symbol. These Visa Debit Cards are also secured with Verified by Visa – 3D Secure, enabling a safe and seamless online shopping experience. Your debit card can also be used by dipping the chip or swiping the magnetic stripe where contactless technology is not available.

You may choose from the following Visa Debit Card products based on your USD, GBP, or EUR account:

Terms and Conditions for International Airport Lounge Free Access

  • Allied Bank Visa Premium Debit Card customers are initially entitled to one (1) complimentary lounge visit per year, prior to meeting the eligibility condition. (Guest access is not allowed at this stage.)

  • After the first complimentary visit, the customer must perform an international or cross-border transaction (minimum USD 1) at any Point-of-Sale (POS) platform (including face-to-face, e-commerce, MOTO, or recurring transactions) to unlock additional visits.

  • The qualifying spend may take up to 10 days to register with Visa Airport Companion (VAC). To ensure smooth access to airport lounges, it is recommended to complete qualifying transactions at least 10 days before your visit.

  • Upon meeting the eligibility condition, the customer becomes eligible for seven (7) additional complimentary lounge visits for the year.

  • Annual lounge entitlement resets on January 1st every year.

  • Guest visits will be charged and must be paid using the Allied Visa Premium Debit Card.

Tip: Download the Visa Airport Companion (VAC) App and register before visiting any lounge.

The following individuals are eligible to apply for the Visa Premium Debit Card:

  • Individuals, sole proprietors, and joint account holders (either/survivor) with at least PKR 2 million deposited in a Current, Savings, or Term Deposit Account, or an equivalent amount in a Foreign Currency Account.

  • Customers with at least PKR 2 million invested in Allied Bank’s Asset Management Company.

  • Customers with a home loan of at least PKR 20 million from Allied Bank.

  • Senior executives of companies with annual turnover of PKR 10 million or above in their company business account, and a minimum of 12 months’ banking relationship with Allied Bank.

If you fulfill any of the above criteria, please visit your nearest Allied Bank branch with supporting documents to apply for the Premium Debit Card.

Your Visa Debit Card can be used for:

  • ATM withdrawals

  • Point-of-Sale (POS) transactions

  • Online purchases

The card is equipped with NFC technology for tap-and-go payments and is secured with Verified by Visa – 3D Secure. If contactless functionality is unavailable, the card can still be used by dipping or swiping.

Below are the daily transaction limits (in Pakistani Rupees – PKR). Equivalent amounts can be availed in the respective foreign currency.

Transaction Type FCY Visa Classic FCY Visa Platinum FCY Visa Premium
Cash Withdrawal 100,000 300,000 500,000
POS & eCommerce 200,000 500,000 1,000,000
ATM FT & IBFT 500,000 1,000,000 2,000,000
Bill Payments & Donations 1,000,000 1,000,000 1,000,000

Annual, replacement, and transaction fees for FCY Debit Cards are applicable as per the Bank’s Schedule of Charges (SOC).

FCY Debit Cardholders can avail numerous offers and discounts available on Allied Bank Cards.

For details, [click here].

  • Get Cash
    Always on the move? Carry your bank account with you. Use your FCY Debit Card to withdraw cash from millions of ATMs worldwide.

  • Shop Anywhere
    Use the Visa power of your card to shop at millions of retail locations globally.

  • Shop Online
    Shop securely with your FCY Debit Card at your favorite online stores. It is secured with Verified by Visa – 3D Secure, offering additional protection.
    For more information, refer to the FAQs on Online Shopping.

  • Dine Out
    Pay directly at restaurants using your FCY Debit Card without worrying about carrying cash.

  • Pay Bills
    Use your card to pay utility bills, telco charges, internet fees, educational fees, and other government payments.
    Click here to see the full list of available payment options via ATMs.

  • Enjoy Traveling
    Travel stress-free. Book flights, shop online, and withdraw cash from any ATM displaying the Visa logo using your FCY Debit Card.

  • Get Groceries
    Shop conveniently for groceries without cash. Use your FCY Debit Card at your favorite stores.

  • Have Fun
    Whether it’s a movie night or a bowling game with friends, your FCY Debit Card is your perfect companion.

  • Fuel Up
    Pay for fuel purchases easily with your FCY Debit Card.

  • Stay Alert
    Receive SMS alerts for every transaction, helping you stay informed and secure.

  • Hotels
    Access the Visa Luxury Hotel Collection, comprising over 900 prestigious properties worldwide.
    Book at www.visaluxuryhotels.com to enjoy exclusive privileges.

  • Purchase Protection
    Enjoy peace of mind when shopping. Your purchases are protected against theft or accidental damage.
    Visit cardholderbenefitsonline.com for more details.

  • Extended Warranty
    Get additional warranty coverage of up to 1 year on eligible purchases made using your card.

  • Medical & Travel Assistance
    Access medical advice and travel assistance globally.
    More details: cardholderbenefitsonline.com

  • Dining Discounts
    Enjoy exclusive discounts at 200+ restaurants globally.
    Download the “DragonPass Dine & Travel” app from the Apple App Store or Google Play Store to explore participating locations.

  • Avis Car Rental Service
    Get special discounts with Avis Car Rental.
    Visit www.avisworld.com/visa to book.

  • Global Customer Assistance Service (GCAS)
    Avail GCAS while traveling.
    Download the [Visa Global Customer Assistance Services PDF] for toll-free numbers and assistance details.

How to Make a Claim

For Travel Medical Emergencies

Contact the 24/7 Assistance Helplines:

For Other Claims

Email [email protected] with:

  • Cardholder’s full name

  • First 9 digits of the card number

  • Cardholder’s address

  • Policy or benefit section under which you are making the claim

Allied Bank presents the all-new Allied Visa Premium Debit Card, designed to complement your affluent and discerning lifestyle. The Allied Visa Premium Debit Card delivers a premium banking experience — available anytime, anywhere, with complete peace of mind. You are empowered with a range of exclusive services tailored to support your lifestyle needs.

Airport Lounge Access

With access to over 1,000 airport lounges in more than 300 cities worldwide, Allied Visa Premium Debit Card customers enjoy a rare privilege while traveling. Use your card to make your journeys relaxing and stress-free. You are entitled to 8 complimentary lounge visits per calendar year, after meeting the eligibility criteria.

Eligibility Criteria for Free Lounge Access

To qualify for complimentary lounge access, a minimum USD 1 international Point-of-Sale (POS) transaction is required. This includes face-to-face, e-commerce, MOTO, or recurring transactions, where the issuer is not located in the country of transaction.

Note: Spend may take up to 10 days to reflect with LoungeKey.

Download the LoungeKey app or visit www.LoungeKey.com/visasignaturemena to find participating lounges.

Domestic Airport Lounge Access

(Karachi, Lahore, Islamabad, and Multan) Enjoy complimentary CIP lounge access on international travel from these four airports.

Hotels

The Visa Luxury Hotel Collection includes over 900 prestigious and unique properties. From boutique gems to world-renowned hotels, all offer a premium set of benefits tailored to provide an unparalleled experience.

To book and avail offers, please visit: www.visaluxuryhotels.com

Purchase Protection

Enjoy peace of mind every time you make a purchase with your Allied Visa Premium Debit Card. Purchases are protected against theft and accidental damage, so you can focus on finding that perfect item.

Learn more at: https://cardholderbenefitsonline.com

Extended Warranty

Extend the value of your purchases. The Extended Warranty feature doubles the original manufacturer’s warranty for up to 1 year, offering added protection.

Visit: https://cardholderbenefitsonline.com

Extended Card Limit Usage

Enjoy high transaction limits:

  • ATM Withdrawals: PKR 500,000 per day

  • POS Purchases: PKR 1,000,000 per day

Travel Insurance

We’ve got you and your family covered, so you can enjoy every moment of your travels. With multi-trip travel insurance, you and your family are protected on all trips up to 90 days.

Insurance Coverage and Limits
Travel Inconvenience & Cancellation Insurance
  • Loss of Baggage (up to $1,000)
  • Delay of Baggage ($42/hour, max $500)
  • Trip Cancellation (up to $5,000)
  • Trip Curtailment (up to $5,000)
  • Delayed Departure ($42/ Hour Max $1,000)
Travel Medical Insurance
  • Travel Accident Insurance (up to $500,000 internationally)
  • Travel Accident Insurance (up to $50,000 Domestic)
  • Evacuation & Repatriation Expense (up to $500,000)
  • Medical Emergency Expenses (up to $ 500,000)
  • Daily In-Hospital Cash Benefit (up to $50/Day, Max $1,500)

Please visit https://cardholderbenefitsonline.com/ for more details.

Dining Discounts

Your Allied Visa Premium Debit Card offers exclusive dining discounts at over 200 locations, both in Pakistan and abroad.

Download the “DragonPass Dine & Travel” app from the Apple App Store or Google Play Store to discover participating restaurants.

Fraudulent Card Misuse Protection

Your Allied Visa Premium Debit Card is protected against unauthorized transactions and fraudulent use by third parties. This covers charges resulting from loss or theft of your card.

For more information, visit: https://cardholderbenefitsonline.com

Q. What is the difference between a Debit Card and a Credit Card?

A Debit Card gives you access to your own funds from your bank account, whereas a Credit Card is a credit facility provided by your bank.

Q. How can I get my Debit Card against my RDA FCVA and FCY account?

You can apply for an FCY Visa Classic, Platinum, or Premium Debit Card by visiting the ABL website (RDA Digital Portal) or your nearest ABL branch, provided you meet the eligibility criteria. You may also upgrade or downgrade your existing debit card.

Q. On which FCY account can I avail the debit card services?

You can avail Visa FCY Debit Cards on your foreign currency accounts in USD, GBP, or EUR.

Q. How is this card different from the debit card issued on a PKR account?

Visa Classic and Platinum Debit Cards issued on PKR accounts are for regular domestic use, while FCY Visa Classic and Platinum Debit Cards are exclusively available for RDA FCVA and FCY account holders.

Q. Where can I use my FCY Visa Classic or Platinum Debit Card?

Your Visa Classic or Platinum Debit Card is accepted at thousands of ATMs and merchants within Pakistan, and at millions of ATMs, POS terminals, and online merchants globally.

Q. How can I activate my FCY Visa Debit Card?

You can activate your FCY Visa Debit Card using any Allied Bank ATM/CCDM via the biometric option, by calling our 24/7 Allied Phone Banking at 111-225-225 (prefix 042 or 021), or through myABL Digital Banking, if you are already registered.

Q. What types of transactions can I perform with my FCY Visa Debit Card?

Your debit card is powered by Visa, making it globally accepted. You can perform the following transactions:

  • Retail Point of Sale (POS) transactions at merchant outlets

  • Online / eCommerce shopping

ABL ATM Services:

  • Cash Withdrawal

  • Balance Inquiry

  • Bill Payments

  • Donations

  • Cheque Book Request

  • Funds Transfer

  • Mini Statement

Q. What is the contactless feature?

A contactless card uses Near Field Communication (NFC) to make secure payments. It requires only close proximity (less than 2 inches) to an NFC-enabled POS terminal or ATM. It can be tapped without even removing it from your wallet.

Q. How do I use my FCY Visa Debit Card?

To make a payment, look for the contactless symbol at POS terminals or ATMs, then tap your NFC-enabled card. You may be prompted to enter your PIN for verification. If NFC is unavailable, you can use the card by dipping the chip or swiping the magnetic stripe at POS terminals.

Q. How secure is contactless payment?

Contactless payment is highly secure and significantly safer than carrying cash. Your FCY Debit Card uses secure EMV technology, offering full confidence while making payments.

Q. Do I need to activate my FCY Visa Debit Card for online shopping?

Yes. Your FCY Visa Debit Card is pre-enabled with Verified by Visa – 3D Secure for secure online shopping. You can deactivate this feature via myABL Digital Banking under debit card services or by calling Allied Phone Banking at 111-225-225 (prefix 042 or 021) from your registered mobile number.

Q. Do I need to activate my FCY Visa Debit Card for international transactions?

Yes. At the time of issuance, your card is inactive for international use. You can activate it through myABL Digital Banking or by calling Allied Phone Banking using your registered mobile number.

Q. What are my daily transaction limits with the FCY Visa Debit Card?

Please refer to the Transaction Limits section above for details.

Q. In case of card loss, whom should I contact?

If your card is lost, stolen, damaged, or suspected of fraudulent use, immediately call Allied Phone Banking at (021) or (042) 111-225-225 (within Pakistan) or +9221-35301094 (outside Pakistan). You can also temporarily block your card via myABL Digital Banking.

Q. Can I share my debit card PIN with a merchant to process a POS transaction?

Never share your debit card PIN with anyone. Always enter it discreetly at POS terminals to prevent unauthorized access. For assistance, contact Allied Phone Banking at (042) or (021) 111-225-225.

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