Terms and conditions for International Online Spend & Win Campaign (iPhone 18 & other gifts)

• This campaign is targeted at all ABL Visa debit cardholders.
• The campaign is valid for a duration of 7 days, starting from November 13, 2026, and ending on November 19, 2026 (both days inclusive).
• Gifts will be awarded against qualifying international online transactions made during the campaign period, provided the applicable minimum cumulative spending threshold is achieved within a single calendar day. Spending across multiple days will not be aggregated.
• The Bank reserves the right, at its sole discretion, to determine which transactions are classified as international for the purposes of this campaign. The Bank’s decision shall be final and binding.
• Guaranteed gifts will be awarded based on cumulative qualifying spend during the campaign period, in accordance with the applicable card variant and the minimum spending threshold achieved in a single day, as follows:

1. Visa Classic Debit Card: Earbuds, on a minimum cumulative spend of PKR 200,000 per card in a single day.
2. Visa Platinum Debit Card: Samsung A56 smartphone, on a minimum cumulative spend of PKR 500,000 per card in a single day.
3. Visa Premium (Signature) & Visa Infinite Debit Card: iPhone 18 Pro Max, on a minimum cumulative spend of PKR 2,000,000 per card in a single day.

• A maximum of one gift per customer (CNIC) will be awarded during the campaign period, irrespective of the number of eligible cards held by the customer. Where a customer holds multiple card variants, eligibility and reward entitlement will be determined based on the highest-tier eligible card, subject to fulfilment of the applicable spending threshold.
• Gifts will be awarded only after successful settlement and validation of the qualifying transaction(s).
• Transactions that are reversed, refunded, cancelled, or disputed by the cardholder shall not qualify for the campaign. The Bank reserves the right to withhold or recover a reward where a qualifying transaction is subsequently reversed or found to be invalid.
• Visa Debit Cards issued on Roshan Digital Accounts and Allied NFC Virtual Debit Cards are not eligible for the campaign.
• Supplementary cardholders are eligible to participate in the campaign. However, any reward earned through a supplementary card will be awarded to the respective primary cardholder.
• Spending on primary and supplementary cards cannot be combined to achieve the minimum spending threshold.
• If both the primary and supplementary cards qualify for the reward, a single reward will be given to the primary cardholder.
• Rewards will be awarded only to customers holding valid Allied Bank Debit Cards. The card and associated account must remain active at the time of reward distribution.
• All Allied Bank staff (permanent and contractual) are eligible to participate.
• Gifts will be distributed 45 days after the conclusion of the campaign, subject to successful settlement and validation of the transaction(s).
• Allied Bank reserves the right to substitute any advertised reward with an alternative gift of equivalent value, without prior notice, subject to availability.
• Any applicable taxes, duties, withholding taxes, levies, or other charges arising from the receipt of the reward shall be borne by the customer, wherever applicable.
• Allied Bank reserves the right to amend, modify, suspend, or withdraw the campaign, in whole or in part, at its sole discretion, subject to applicable regulatory requirements.