Allied Bank debit card discounts depend on the card tier: Visa Infinite, Premium, and Platinum debit cardholders unlock the widest range of dining, retail, and travel offers, layered on top of standard discounts available to every ABL cardholder. Card fees themselves range from free (Virtual and Infinite) to Rs 19,500 a year (Premium), per Allied Bank's official Schedule of Charges effective July–December 2026.
Allied Bank debit card discounts are organized around a tiered card structure rather than a single blanket program — the higher the card tier, the more categories of offers apply, and the fee structure gets more nuanced too. Here's every debit and credit card ABL issues, exactly what each one costs, and where to check live discounts.
Visa Debit Card Fees (Primary Cardholder)
| Card | Annual Fee | Replacement Fee |
|---|---|---|
| Classic | Rs 3,000 | Rs 1,650 |
| Platinum & Visa Sapphire 200 | Rs 6,000 | Rs 1,650 |
| Premium | Rs 19,500* | Rs 2,500 |
| Virtual Debit Card | Free | Rs 500 |
| Infinite | Free** | Rs 5,000 |
| Business Debit Card (Standard) | Rs 5,000 | Rs 1,650 |
| Business Debit Card (Signature) | Rs 10,000 | Rs 2,500 |
*Premium: if the monthly average balance of Rs 3 million (savings account) is not maintained, a further Rs 3,000/month is charged until the next renewal date; if Rs 2 million average is not maintained across the year, the card is blocked. **Infinite: fee-free by default, but if a monthly average balance of Rs 5 million (current) plus Rs 10 million (savings) is not maintained, Rs 8,000/month is charged; the card is blocked after 3 consecutive non-compliant months. Confirmed from Allied Bank's Schedule of Charges, Section F/G, effective 01-07-2026 to 31-12-2026.
UPI & PayPak (Domestic Network) Debit Cards
| Card | Annual Fee | Replacement Fee |
|---|---|---|
| Basic Debit Card | Rs 2,200 | Rs 1,200 |
| UPI & PayPak Classic / Classic Plus | Rs 2,900 | Rs 1,300 |
| UPI & PayPak Gold & Visa Sapphire | Rs 3,200 | Rs 1,550 |
| UPI & PayPak Allied Rising Star (Minor) | Rs 1,000 | Rs 900 |
| UPI Platinum Debit Card | Rs 5,000 | Rs 1,650 |
Two categories get a free first-year card: the Debit Card in a Pocket Money Account under the Allied Rising Star category, and the UPI & PayPak Classic Debit Card for Allied Freelancer accounts — both waive the first year's annual/issuance fee per the Schedule of Charges' fee notes.
Credit Cards
| Item | Gold | Platinum |
|---|---|---|
| Annual Fee (Primary) | Rs 3,500 | Rs 7,000 |
| Annual Fee (Supplementary) | Rs 900 | Rs 1,800 |
| Joining Fee | No Charge | |
| Retail Cash & PO/DD/ABC Service Charge | 2.83% of outstanding/month (APR 34%) | |
| Balance Transfer / Allied Easy Instalments | 2.0% of outstanding/month (APR 24%) | |
| Late Payment Fee | Rs 1,500 per instance | |
| Cash Advance Fee | Rs 500 or 3% of amount, whichever higher | |
| Airport Lounge Visits (Platinum, select PK airports) | No Charge | |
Confirmed from Allied Bank's Schedule of Charges, Section F "Allied Visa Credit Card," effective 01-07-2026 to 31-12-2026.
Where to Check Live Discounts
Allied Bank publishes its current promotions under "Special Discounts on ABL Cards" on abl.com, covering dining, retail, travel, and QR-scan offers that rotate periodically and vary by card tier and merchant partnership. Because these offers change frequently, always confirm the live list on ABL's official page rather than relying on a cached third-party summary — expired discounts are one of the most common sources of point-of-sale disputes.
A Note on Women's and Youth Banking Card Discounts
Allied Khanum Account holders (women's banking) get "Golootloo" discounts through their debit card plus a 50% first-year locker discount, and Allied Express Account holders also qualify for a 50% first-year locker discount — both confirmed in the Schedule of Charges' Lockers section, worth checking if you hold one of these account types.
Reporting a Card Problem
If a card is lost, stolen, or shows an unrecognized transaction, the fastest response is to block it instantly through the myABL app's card-management screen, then call 042-111-225-225 to confirm the block and, if needed, dispute a fraudulent charge. Allied Bank's Guidelines for Debit Cards page also covers routine issues like PIN resets and card-not-working troubleshooting before you need to visit a branch for a physical replacement.
Good For
- Comparing Allied Bank's debit and credit card tiers before applying
- Understanding the exact fees and balance requirements behind each card
- Knowing which card unlocks lounge access or hotel benefits
- Finding where current Allied Bank discounts are published