Allied Bank’s Visa Platinum takes the opposite route to most premium cards in Pakistan: it competes on price and shows the numbers. Under the Summary Box effective 1 July 2026, purchases and cash carry an APR of 34%, or 2.83% per month, while balance transfers and Allied Easy Installments run at 24%. There is no joining fee.
Why we recommend the Allied Visa Platinum Credit Card
The annual fee is Rs. 7,000 for the basic card and Rs. 1,800 per supplementary card, yet the bank reverses it when you spend Rs. 50,000 in the first three months after issuance. For a household that puts groceries, fuel and utility bills on the card, that target is reached without changing any habits.
Travel benefits are concrete. The card opens the CIP lounges at Lahore and Islamabad airports free of charge and adds six LoungeKey visits per year at more than 25 international lounges, with extra visits billed at USD 30. A Priority Pass card can also be requested for 1,300+ lounges, each visit charged at Priority Pass’s own rate.
Security is thoughtful. The card arrives with online transactions switched off, and you enable e-commerce and international use through myABL or the contact centre only when needed. SMS alerts cover every transaction and due date, liability stops once a loss is reported, and repayment works through myABL, ATMs, 1-Bill, drop boxes or any branch.
Author’s opinion
If we had to choose one Platinum card for someone who occasionally carries a balance, this would be it, purely on cost. Allied’s own example on the product page shows that Rs. 10,000 outstanding for ten days at 34% APR produces a markup of Rs. 93.15, a figure that makes the pricing easy to understand.
The trade-offs are clear. Rewards are not the selling point, and the eligibility rules are not published: income, existing debt and eCIB history are assessed case by case, with a maximum clean limit of Rs. 3 million. The minimum payment is 2% of principal plus markup and charges, and the Summary Box warns that paying only that costs more and takes longer.
We would hit the Rs. 50,000 spending goal early, set the statement to be paid in full through myABL and keep the 24% balance transfer only for moving an expensive balance from another card. Discipline is what makes it cheap.
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