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

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.

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 Bank Call Center.

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

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

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 or 021-111-225-225.

Note: For Pakistan, Allied Phone Banking calls 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