Allied VISA Premium Debit Card

Gain access to over 1,200+ international airport lounges across 140+ countries with your Allied Visa Premium Debit Card. Enjoy a relaxing, stress-free travel experience with 8 complimentary lounge visits per calendar year.

Terms and Conditions – International Airport Lounge Access

• Initially, 1 complimentary lounge visit is allowed per year without any spend requirement (guests not included).

• To unlock the remaining 7 complimentary visits, you must complete an international or cross-border POS transaction of at least USD 1, including:

  • Face-to-face

  • E-commerce

  • MOTO

  • Recurring transactions

• Please note: It may take up to 10 days for Visa Airport Companion (VAC) to register the transaction.

• We recommend making the required transaction at least 10 days before your lounge visit to avoid inconvenience.

• Lounge visit entitlements and eligibility reset annually on January 1.

• Guest visits are chargeable to the cardholder.

How to Register for Visa Airport Companion (VAC)

VAC is a digital travel platform provided in partnership with DragonPass, offering a range of lifestyle and travel benefits in one app.

Steps to Register:

1. Download the Visa Airport Companion app from the Apple App Store or Google Play Store.

2. Tap Sign Up and enter:

   • Eligible Visa card details (card number, expiry, CVV)

   • Country of issuance

   • Name, email, and mobile number

   • Accept Terms & Conditions and Privacy Policy

3. A 6-digit code will be sent to your registered mobile/email.

4. Upon verification, create a password to complete your registration.

Note: Please activate online transaction access for your Premium Debit Card via myABL or by calling 042-111-225-225.

Domestic Airport Lounge Access (Karachi, Lahore, Islamabad, Multan)

Enjoy complimentary CIP lounge access for international departures from the above airports. 1 guest is allowed.

Hotel Benefits

Visa Luxury Hotel Collection includes over 900 premium properties from boutique gems to world-famous hotels offering:

• Room upgrades (when available)

• Complimentary Wi-Fi

• Late checkout

• VIP guest status

• And more

Book via www.visaluxuryhotels.com to access benefits.

Purchase Protection

Your purchases are protected against theft or accidental damage when made using the Allied Visa Premium Debit Card.

Visit https://cardholderbenefitsonline.com for details.

Extended Warranty

The manufacturer’s warranty on eligible items is doubled for up to 1 year when purchased with your Premium Debit Card.

Visit https://cardholderbenefitsonline.com for more details.

High Daily Limits

• ATM Withdrawals: PKR 500,000/day

• POS Purchases: PKR 1,000,000/day

Enjoy greater purchasing power and cash access with confidence.

Travel Insurance Coverage

With multi-trip travel insurance, you and your family are protected on trips up to 90 days.

Travel Inconvenience & Cancellation Insurance

• Loss of Baggage: Up to $1,000

• Baggage Delay: $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

• International Accident Insurance: Up to $500,000

• Domestic Accident Insurance: Up to $50,000

• Evacuation & Repatriation: Up to $500,000

• Medical Emergency Expenses: Up to $500,000

• In-hospital Daily Cash Benefit: $50/day (Max $1,500)

Full details available at https://cardholderbenefitsonline.com

Fraud Protection

Your Allied Visa Premium Debit Card is protected against unauthorized use in case of loss, theft, or misuse by third parties.

Learn more at: https://cardholderbenefitsonline.com

Supplementary Debit Card Facility

• Extend your Visa Premium Debit Card privileges to eligible immediate family members.
• Up to two supplementary cards can be issued against one primary Premium Debit Card.
• Use the card at ATMs, POS terminals and online merchants locally and internationally.
• Supplementary cardholders can avail applicable Premium Debit Card merchant discounts and privileges.
• Real-time transaction alerts are sent on the supplementary cardholder’s registered mobile number.
• Secure and convenient spending for family members through EMV Chip and PIN technology.

Individuals, sole proprietors, and joint account holders (either/survivor) fulfilling any of the following criteria are eligible:

• Maintain a minimum deposit of PKR 2 million in a Current, Savings, Term Deposit, or equivalent amount in a Foreign Currency Account.

• Hold an investment of at least PKR 2 million in Allied Bank’s Asset Management Company.

• Have an active House Loan of at least PKR 20 million with Allied Bank.

• Be a senior executive of a company with an annual turnover of PKR 10 million or more in a Company Business Account. A minimum 12-month relationship with the bank is required.

If you meet any of the above criteria, please visit your nearest Allied Bank branch with documentary proof to avail the Visa Premium Debit Card.

Supplementary Card Eligibility

• Available to immediate family members of the primary cardholder, including spouse, father, mother and children aged 18 years and above.

• The request must be initiated by the primary Allied Visa Premium Debit Cardholder.
• The supplementary cardholder must have a valid CNIC and fulfill the Bank’s applicable verification and due diligence requirements.
• The primary cardholder must have maintained a daily average balance of PKR 2 million in a Current or Savings Account (Conventional or Islamic) during the preceding three months, as of the supplementary-card request date.
• For an FCY supplementary card, an equivalent daily average balance must be maintained in the FCY account during the same period
• Supplementary card may be issued against eligible individual, joint and sole-proprietor Current or Savings Accounts. The facility is not available for illiterate/photo account holders.

If you fulfill any of the above criteria, please visit your nearest Allied Bank branch with documentary proof to avail Premium Debit Card.

The Allied Premium Debit Card is an EMV-compliant Visa card and can be used across multiple platforms and channels, including:

• ATMs

• POS (Point-of-Sale) Terminals

• myABL Digital Banking (web and mobile app)

• E-commerce websites

Note: The e-commerce session may be deactivated after multiple consecutively declined transactions due to insufficient balance. However, it can be reactivated via myABL or the Allied Contact Center.

The Allied Visa Premium Supplementary Debit Card can be used for ATM cash withdrawals, POS transactions and e-commerce purchases, subject to applicable controls and assigned limits.

In addition to exclusive offers, Premium Debit Cardholders enjoy standard Allied Bank card and QR offers available to all cardholders.

Fair Usage Terms & Conditions for Availing Discounts On Cards

To prevent misuse of card/discounts and its commercial use by the cardholder, the Bank reserves the right to monitor card transactions for excessive or disproportionate usage of discount or promotional offers and can impose any threshold per month consequent to this monitoring.

The Bank may, at its sole discretion and without prior notice, restrict, suspend, or cancel the Card and/or withdraw the applicable benefits/discounts. The Bank’s determination of excessive/commercial usage or misuse shall be final and binding, and the Cardholder shall have no right to claim or any recourse in this regard.

For more details, click here: Allied Bank Premium Debit Card Discounts

Supplementary Debit Card Limits

The supplementary debit card limits will be 50% of the primary card limits. Indicative daily limits are as follows:

 Note: Supplementary card limits are linked to the primary card variant and may be subject to the Bank’s applicable controls, customer eligibility, regulatory requirements and system-level restrictions.

The issuance fee, annual fee, replacement charges, and transaction charges for the Allied Visa Premium Debit Card are as per the Bank’s Schedule of Charges.

Annual Fee Waiver (Deposit-Based)

Customers may be eligible for an annual fee waiver under the following conditions:

• Maintain a daily average balance of PKR 500,000 in a Current Account, or

• Maintain PKR 1,000,000 in a Savings Account over the last 11 months.

To request the fee waiver, once the above criteria are met, please call the Allied Bank helpline at 042-111-225-225.

Note: If the monthly average balance of PKR 2 million is not maintained in the respective savings account, a fee of PKR 3,000 per month will be charged. Additionally, if the required average balance in respective saving account is not maintained during the entire year, the card shall be downgraded to the next available variant on the Annual/Renewal date, and the issuance fee of the respective variant will be recovered. These terms will apply to both new and existing Premium Debit Card holders. For foreign currency Premium debit cards, per month FCY fee amount (equivalent to PKR) will be charged from the respective foreign currency account.

Supplementary Debit Card Charges

• Annual fee, replacement fee and other applicable charges will be recovered as per the Bank’s prevailing Schedule of Charges (SOC).
• Charges will be recovered from the primary cardholder’s linked account as per the Bank’s applicable fee recovery parameters.
• An additional monthly average balance of PKR 1 million per Supplementary Debit Card must be maintained. For FCY cards, an equivalent balance is required in the respective FCY account.
• Issuance and annual fees will be reversed automatically upon meeting the prescribed balance criteria.

*For Pakistan, Allied Phone Banking calls its customers from 1222

Allied Visa Premium Debit Cardholders can access Visa’s Global Customer Assistance Services while traveling internationally.

To view Visa GCAS toll-free numbers and country-specific details, download:
[Global Customer Assistance Service (GCAS) PDF]

In the event of a travel medical emergency, immediately contact:

• +44 (0) 208 762 8373 (English)

• +7 (495) 937 6453 (Russian, English)

• +971 (4) 253 6024 (Arabic, French, English)

For all other claims, please email:
[email protected]

Include the following details:

• Cardholder’s full name

• First 9 digits of the covered card number

• Residential address

• The type of claim (policy or benefit section)

Claim Notification Timeline:

• Notify the claims team within 90 days (or 30 days for fraudulent card misuse) from the date you become aware of the loss or incident.

• You will receive a claim form to complete and return (via email or postal address).

• Submit the completed form along with supporting documents within the same timeline.

• Retain copies of all documents for your records.

To apply for your Visa Premium Debit Card, visit your nearest ABL branch or call:
042-111-225-225

Apply for a Supplementary Debit Card

To apply for a Supplementary Debit Card, the primary Allied Visa Premium Debit Cardholder may visit the nearest Allied Bank branch with the CNIC of the eligible family member and submit the Supplementary Debit Card Request Form

To get your premium debit card, visit your nearest ABL  branch or call 111-225-225.