myABL Coins

All ABL Debit and Credit Card customers (excluding myABL Wallet debit card holders) are automatically enrolled in the myABL Coins program.

You can earn myABL Coins based on your card type, transaction channel, and spending amount. Refer to the earning matrix below:

* Spend amount of PKR 500 is used for illustration purposes. Actual coins are calculated using the percentages above.
** International POS transactions made in PKR earn coins at the domestic rate.

Coin Value: 1 myABL Coin = PKR 1
Note: Allied Bank reserves the right to amend this matrix without prior notice.

1) myABL Coins Marketplace

Access a wide variety of redemption options from leading brands, including:

• Flights – Book airline tickets worldwide

• Airport Lounges – Enjoy premium travel services

• Hotels – Reserve rooms at international hotels

• Gift Vouchers – Choose from top brands

• Online Shopping – Purchase daily essentials and lifestyle products

Access Channels:

• myABL Web Portal

• myABL Mobile App

• https://coins.myabl.com (view-only access)

To redeem coins, please log in via the myABL Web Portal or Mobile App.

2) Allied Phone Banking

Call (042) 111-225-225 and request an Allied Phone Banking representative to redeem coins on your behalf.

• Coins are valid for 3 years from the date of accumulation.

  Example: Coins earned in October 2022 will expire in November 2025.

• Expired coins cannot be redeemed.

• Receive SMS and/or email alerts for each coin redemption.

• View your coin statements at any time on the myABL Coins Marketplace.

• A monthly e-statement is also sent to your registered email address.

Q. What is myABL Coins?

myABL Coins is Allied Bank’s loyalty program that allows you to earn coins on every debit or credit card purchase made at POS (in-store) or online/e-commerce merchants.

Q. What are Coins?

Coins are loyalty points earned by customers using eligible products under the myABL Coins program. These can be redeemed for a wide variety of rewards.

Q. How do I earn Coins?

You can earn myABL Coins on the following transaction types:

• Retail transactions using debit or credit cards at local or international POS terminals

• Online/e-commerce transactions using debit or credit cards

Q. What types of cards are included in the myABL Coins program?

All individual debit and credit cards (excluding myABL Wallet debit cards) issued by Allied Bank are eligible for the program.

Q. What is the validity period of myABL Coins?

Earned myABL Coins remain valid for three years from the date of accumulation.

Q. Are there any charges to participate in the myABL Coins program?

No. Participation in the program is completely free for eligible customers.

Q. What is the myABL Coins Marketplace?

The myABL Coins Marketplace is a dedicated online platform where Allied Bank customers can redeem their coins across a wide range of domestic and international merchants.

Q. How can I access my myABL Coins account?

You can access your account through:

• myABL Internet Banking

• myABL Mobile App

Q. How do I redeem my myABL Coins?

Coins can be redeemed through:

• myABL Internet Banking or Mobile App

• Allied Phone Banking by calling (042) 111-225-225

Q. How can I check the balance of my earned Coins?

You can check your coin balance:

• Through the myABL Coins Marketplace via Internet or Mobile Banking

• By calling Allied Phone Banking at (042) 111-225-225

Q. What products or services are available for redemption in the Marketplace?

You can redeem your coins for a variety of services and products, including:

• Travel (flight and hotel bookings, airport lounge access)

• Gift vouchers

• Online shopping

• Coin transfers (to partner rewards programs)

Q. Can I have more than one myABL Coins account?

No. Each customer can have only one myABL Coins account. All eligible coins are accumulated under this account.

Q. How do I get proof of Coins redemption?

You will receive:

• An SMS or email notification on your registered mobile number or email address

• You may also view your updated coin balance in the myABL Coins Marketplace

Q. What should I do if Coins are not credited or are deducted incorrectly?

You can report such issues by:

• Calling (042) 111-225-225

• Emailing [email protected]

Note: Complaints must be submitted within 45 days of the transaction.

Q. How can I check the status of my orders?

Order status can be viewed in the Order History section under the My Account tab on the myABL Coins Marketplace.

Q. Are there any charges for redeeming Coins?

No. There are no charges for redeeming myABL Coins.

Q. What if I face issues booking a flight or hotel on the Marketplace?

Please call Allied Phone Banking at (042) 111-225-225 for assistance.

Q. How can I cancel a flight or hotel booking?

You may call (042) 111-225-225 at least 48 business hours before your flight or hotel check-in date.

Cancellations are subject to partner policies and may incur penalties.

Q. Will Coins be canceled if my credit card is closed?

Yes. Coins earned on credit card transactions will be canceled upon card closure.

Q. Will Coins be canceled if my debit card is closed?

No. Coins will only be canceled if the bank account linked to the debit card is closed.

Q. What happens to my Coins if my card is lost or stolen?

Coins earned on your lost or stolen card will be automatically transferred to the replacement card.

Q. How can I enroll in the myABL Coins program?

No action is required. All eligible debit and credit cardholders (including supplementary cardholders) are automatically enrolled.

Q. Will Coins be canceled if I cancel a transaction?

Yes. If a transaction is reversed, the earned Coins will also be canceled.

Q. What should I do if I receive damaged goods?

Contact Allied Phone Banking at (042) 111-225-225 within 48 hours of receiving the damaged goods.

Q. Can I cancel an online shopping order after placing it?

No. Once an order is placed through the online shop, it cannot be canceled, refunded, or exchanged.

Q. What is the validity of gift vouchers?

Gift voucher validity is determined by the terms and conditions of the respective merchant.

Q. How can I access airport lounges using myABL Coins?

You can:

• Present your lounge voucher at the lounge counter

• For Dragon Pass members, enter the voucher code in the app to gain access

1) Definitions

• “Bank” refers to Allied Bank Limited and/or its successors and/or permitted assignees.

• “You,” “Your,” and “Yours” refer to customers of Allied Bank.

• “Customer” means an individual holding an Allied Bank account and/or an Allied Bank debit or credit card.

• “Primary Cardholder” is the person to whom an Allied Bank card is issued and who solely operates the account.

• “Supplementary Cardholder” refers to an additional cardholder using a card issued under the Primary Cardholder.

• “myABL Coins” is Allied Bank’s loyalty program that rewards customers with points for using select banking products and services.

• “Coins” are loyalty points earned under the myABL Coins program and are redeemable through the myABL Coins Marketplace.

• “myABL Coins Account” is the account where a customer’s earned coins are stored.

• “myABL Coins Marketplace” is the digital platform where customers redeem coins for goods and services.

• “Partner” means an independent company/entity/merchant associated with the myABL Coins program to offer products/services. Allied Bank is not their agent and does not guarantee their services.

• “OTP” stands for One-Time Password.

2) Earning Coins

• Coins are applicable only on POS and e-commerce purchases via Allied Bank debit and credit cards.

• Coins earned across multiple cards are clubbed at the customer level.

• Supplementary card transactions earn coins, which are credited to the Primary Cardholder and are redeemable by them only.

• Only active cardholders can earn coins.

• Coins are reversed if the corresponding transaction is reversed or cancelled.

• Each coin equals PKR 1 in value. The Bank reserves the right to amend this value without prior notice.

3) Redemption of Coins

• myABL Coins are redeemed via third-party partners, who are responsible for the quality and delivery of products/services.

• The Bank acts only as a liaison between customers and partners and is not liable for the outcome of the products or services.

• Coins, once redeemed, cannot be reversed—except where the partner fails to deliver. In such cases, customers must provide evidence for a possible reversal. The Bank’s decision will be final.

• Redemption is allowed only if the customer’s banking relationship is in good standing (e.g., no overdue credit cards).

• The Bank may deny or cancel redemptions at its sole discretion.

• Redemption categories and options may change without prior notice.

• Coins cannot be converted to or redeemed for cash.

4) Cancellation of myABL Coins

Coins may be cancelled if:

• A credit card linked to accumulated coins is closed or cancelled.

• A debit card’s linked bank account is closed.

• A customer is found using unethical means or violating policies to earn or redeem coins.

5) Failure or Breach

• The Bank may refuse or cancel coins earned through unnatural, irregular, or suspicious transactions.

6) Other Provisions

• These terms supplement Allied Bank’s general terms for accounts and e-banking services.

• Goods/services purchased via myABL Coins cannot be returned or exchanged for cash.

• The Bank is not liable if the Marketplace is unavailable due to unforeseen or uncontrollable events (e.g., technical failure, maintenance).

• The Bank does not guarantee uninterrupted or error-free service on the Marketplace.

• The customer is solely responsible for safeguarding OTPs and passwords. Fraud resulting from negligence is the customer’s liability.

• Allied Bank never asks for confidential information via phone, SMS, or email. The official caller ID is 1222, not 111-225-225. Sharing personal data with fraudulent callers is at the customer’s own risk.

• These terms do not override any existing terms governing other Allied Bank products and services.

7) Indemnity

The customer agrees to indemnify and hold Allied Bank harmless from any claims, losses, or liabilities arising from:

• Use of the myABL Coins Marketplace (by the customer or anyone using their credentials).

• Breach of these terms and conditions by the customer or any party using their account.

8) Complaints Handling

• To cancel bookings or raise service-related concerns, contact Allied Bank Call Center at 042-111-225-225.

• For all other issues, email [email protected].

• Complaints submitted after 3:00 PM will be processed on the next working day.

• Coin-related discrepancies must be reported within 45 days of the transaction. Late submissions will not be entertained.

• If a selected product is out of stock or unavailable, this will be reflected on the Marketplace or communicated by the Bank. Redeemed coins will be adjusted accordingly.

• Allied Bank is not responsible for the quality or delivery delays of goods or services.

• The Bank reserves the right to change the myABL Coins program, eligibility criteria, coin value, redemption process, and program features without notice.

• All changes or decisions made by Allied Bank will be final and binding. Customers waive the right to contest such decisions.