Features

The freedom & flexibility of a Credit Card

• The Askari-PIA Co-Brand Credit Card provides you the luxury to enjoy interest-free credit from the date of purchase to the date of due payment which can be as high as 51 days. However, for certain transactions like cash withdrawals and balance transfers, interest charges would be applicable from the date of transaction till the date of payment. You will get a monthly billing statement that will provide you with all the details of your purchase.
• For paperless convenience and to have access to your credit card statement through email, you can enrol for an e-statement by simply calling 111-000-787. An e-statement with details for all your transactions will be sent to your specified email address every month. Please pay at least 3 working days in advance if you are making your payment by cheque to allow enough time for clearance.

Supplementary Cards

Make shopping enjoyable for your family by sharing your credit card limit with them with their own personalised supplementary credit cards. As an Askari Credit Cardholder, you can now avail up to 05 supplementary cards and share AskariCredit Card benefits with your loved ones.

24/7 Call Centre

We are just a call away. You can dial Askari Bank’s 24/7 helpline 111 000 787 for all your queries, bill payments, information and more.

E-Commerce Transactions

Online shopping is just a click away. Your Askari-PIA Co-Brand Credit Card is powered by 3D S technology, ensuring you can shop online with peace of mind. 3D S technology enables protected e-commerce transactions.

Installment Plans

Now enjoy flexible shopping options with your Askari-PIA Co-Brand Credit Card. We offer multiple 0% mark-up campaigns where you can order various products in easy, equal monthly instalments.

With Askari Credit Card you can convert any retail transaction worth Rs.10,000 or more into a monthly repayment plan, so you can spend now and pay later.

You can avail up to 70% of your assigned/available credit limit in the form of cash through the Cash for Card facility and pay back in monthly instalments. Cash can be made available to your Askari Bank account or you can receive a Banker’s Cheque in case you don’t have an Askari Bank account.

For applicable charges for the above installment plans, please refer to the Schedule of Bank Charges available on Askari Bank’s website.

Internet Banking & Mobile App

With Askari Internet Banking and Mobile Banking, you can manage your account anytime, anywhere. You can view your monthly statement payment status and make bill payments along with a host of other online services. Internet Banking & Mobile App facilities are available for only those customers who are account holders of Askari Bank.

Balance Transfer Facility

Askari PIA Co-Brand Credit Card offers a track “Balance Transfer Facility” with only 2%mark-up rate per month. You can pay other banks’ Credit Card debts through your Askari credit card on lower service charges and pay back in easy equal monthly instalments.

Insurance Coverage

Askari-PIA Co-Brand Credit Card offers insurance plans covering unforeseen circumstances such as illness, personal accident, disability or death. You now have the power to protect yourself with an array of diverse insurance products offered with your consent on premium charges. Travel Inconvenience insurance covers you against loss due to delay of flight, baggage loss, and baggage damage while you are travelling abroad.

International Acceptance

Your Askari-PIA Co-Brand Credit Card is powered by Mastercard which is accepted globally. You can use your card for retail shopping wherever you want.

Security

Every time you pay with your Credit Card, our chip encryption protects your transaction data. This encryption is unique for each transaction and also helps protect your data while shopping. The chip technology provides additional security against counterfeiting & duplication of cards.

ATM Cash Withdrawal

You can withdraw 70% cash against your assigned credit limit as cash advances in Pakistan and around the world through ATMs displaying a MasterCard, 1-Link, Cirrus & Maestro logo. For applicable rates, please refer to the Schedule of Bank Charges available on Askari Bank’s website.

Minimum Payment

With your Credit Card, you have the freedom to pay the entire outstanding or as little as the minimum amount against the outstanding balance mentioned in your monthly bill/statement. Service charges will be applied to the unpaid amount each month as per the prevailing Schedule of Bank Charges available on Askari Bank’s website. You can pay your outstanding through:

• Direct debit instructions
• Cash/cheque over the counter
• Cheque payment through the Drop Box facility
• ATM
• Internet Banking/Mobile Banking/Phone Banking
• Any other payment mode, accepted by the bank

SMS Alerts

For all your transactions, an SMS alert will be sent to you on your registered mobile number to confirm that you have conducted the transactions. SMS alerts are free of cost.

Other Terms & Conditions

• Askari Bank is not responsible for any redemption-related dispute as Askari Bank is providing an earning opportunity of A+ miles and all related issues must be raised by the credit card holder directly with PIA.
• Askari Bank will only display the A+ Miles that are earned on credit cards. To check the consolidated balance of your A+ Miles, log into your PIA Awards + Plus Frequent Flyer Program Account and view your existing balance.
• Askari Bank will credit your A+ Miles earned through credit card spending at the time of statement generation (after subsequent bill/statement) and PIA will credit the same into your PIA Awards+ Plus Frequent Flyer Program Account within 05 working days.
• In case of an upgrade of your credit card from a regular card to an Askari-PIA Co-Brand Credit Card your existing reward points will be shifted to your new Co-Brand Credit Card.
• You can move up the tiers of “PIA Awards + Plus Frequent FlyerProgram” even though you have a classic card by qualifying for the tier through PIA criteria.
• If you are already a PIA Frequent Flyer member it is your responsibility to enter your existing membership number when applying for the card. The PIA FF number should be in the applicant’s name.
• If you are not an existing “PIA Awards + Plus Frequent FlyerProgram” account holder, you will be automatically enrolled on the PIAAwards +Plus Frequent Flyer Program account.

111 000 787

www.askaribank.com

111 786 786

www.piac.com.pk

Miles Redemption Process

You can redeem your PIA Award +Plus Miles through 03 different channels

1. You can send an e-mail to the Award + Plus Desk at servicecenter@piac.aero
2. You can Redeem your Award + Plus Miles by visiting your nearest PIA Booking Office
3. You can also redeem your Award +Plus Miles online

Step-wise process of Award +Plus Miles redemption online is mentioned below:

Step–1

Open the PIA official website, “https://www.piac.com.pk/.”.

Step–2

Click on “Member Login” & enter your Frequent Flyer Membership Number & Password and click on Sign In. After clicking on “Sign In,” you will be redirected to the Home page of the Frequent Flyer Member Portal.

Step–3

After logging into your Frequent Flyer Membership Account, click on “Flight Search.”.

Step–4

Fill in the flight details, i.e., departure date & arrival date, no. of passengers, and class of travel, then click on search flight.

Step–5

Please select the check box “Search Awards +Plus Points” & click on Flight search.

Step–6

Click on the flight as per your choice and complete the ticket booking process. The payment break-up will be shown in the menu on the right-hand side. Taxes will be paid in currency, while the flight will be booked against miles that are to be redeemed.

Step–7

To complete the ticket purchase, please fill out the payment by providing Askari-PIA Co-Brand Credit Card details & click on “Buy Ticket.”

Step–8

In case of shortage of miles/points, you can still get your ticket issued by visiting your nearest PIA booking office.

Benefits

Free Membership of PIA Award + Plus Program

You will receive an instant PIA Award along with a Plus Program membership for one year.

• If you have a Classic Card, you'll get the PIA Award plus Emerald membership.
• If you have a Gold Card, you'll receive the PIA Award plus Sapphire membership.
• If you have a Platinum Card, you'll enjoy the PIA Award plus Diamond membership.

Bonus Miles

Upon Card activation get Bonus Miles to kick start your miles earning.

Award + Miles on Shopping

Earn accelerated miles on local & international retail spending.

Additional Miles on PIA Ticket Purchase

Get double air miles when buying a PIA ticket on your Askari-PIA Co-Brand Credit Card.

Priority Boarding & Luggage

Use award plus counters when checking in for Priority Boarding & Luggage.

Lounge Access

Get access to selected local and international lounges on your Askari-PIA Co-Brand Credit Card.

For complete details please visit https://askaribank.com/personal/consumer-products/master-card-2/

Rewards & Loyalty

Free Membership of PIA Award + Plus Program

If you are an existing Frequent Flyer member with PIA, your tier will be upgraded upon becoming an Askari PIA Co-Brand Credit Card member as per your corresponding Askari-PIA Co-Brand Credit Card. You will however retain your existing upper-tier membership of the PIA Frequent Flyer Award+membership and will not be downgraded to a corresponding lower-tier membership if you qualify for a comparatively lower limit Askari-PIA Co-Brand Credit Card.

New Customer Membership Criteria

Existing Customer Membership Criteria

Upgrades by virtue of being a Gold or Platinum Co brand Member will be done for the 1st year of Co-Brand Membership; thereafter the tier status will be determined as per Awards +Plus Rules.

Bonus Miles

• Bonus Miles will be awarded to you once you activate your Askari-PIACo-Brand Credit Card.
• Upon credit card activation, your Bonus Miles will be credited on subsequent bills/statements.
• Your Credit Card monthly statement will reflect A+ Miles i.e. bonus miles, earned Miles for the month and other promotional miles, if any.
• In case you cancel your credit card within 06 months of activation, bonus miles will be charged to your final billing statement.
• Get Bonus Miles with a new credit card as well as on conversion of an existing Credit Card to an Askari-PIA Co-Brand Credit Card.
• If you cancel and subsequently reapply for the card, you will not be eligible for Bonus Miles.
• If you are already a frequent flyer member your existing frequent flyer number will be converted into Askari-PIA Co-Brand Credit Card FrequentFlyer Number. Please provide the correct existing Frequent Flyer Number at the time of application.

Bonus Miles Awarded to Customers

Award + Miles on Shopping

You can earn 1 A+ Mile for every PKR 150 spent locally. Local/Domestic spending means any eligible transaction in PKR currency locally.

You can earn 1.5 A+ Miles for any eligible transaction equivalent to PKR150 spent in foreign currency (non-PKR).

You can earn 2 A+ Miles for every PKR 150 spent on PIA through transactions done at the PIA Sales office. The foreign currency spent on PIA will be calculated as per the below criteria. Rs. 150 = 1$ = 1 Mile.

Miles Earn & Burn Criteria

Spend Value in PKR Loyalty A+ Mile(s)

PIA spending means spending on PIA booking offices through Askari-PIA Co-Brand Credit Cards: 

• Your transactions that are not eligible to earn A+ Miles include but are not limited to balance transfers, Cash for Card, conversion to installment plans, and any fees and charges paid on the card account. In addition to this, transactions that the Bank decides are disputed, unauthorized, illegal and/or fraudulent.
• The A+ Miles earned through retail shopping from Askari-PIA Co-Brand Credit Card will be credited to your credit card account at“PIA Awards +Plus Frequent Flyer Program” in the subsequent bill/statement by Askari Bank. The consolidated balance of A+ miles can be viewed at the “PIA Awards +Plus Frequent Flyer Program” account.
• The number of A+ Miles earned through your credit card spend will be displayed on the primary cardholder’s monthly credit card statement for that particular month.
• In case the refund is made on your credit card, the A+ Miles total will be adjusted accordingly by Askari Bank from your credit card account.
• If you have any supplementary cardholders on your card account, any A+ Miles earned by supplementary cardholders’ spending will also be credited to your (basic credit card) PIAAwards + Plus Frequent Flyer Program account.
• PIA Awards + Plus Frequent Flyer Program” rules apply

A+ Miles earned through PIA Ticket purchase:

• Redeem your A+ Miles through your PIA Award + Plus Account.
• If you are a Primary Cardholder, you can earn A+ Miles upon purchasing a ticket to any destination on the PIA network, as long as it is valued at PKR 10,000 or more. (It depends on your Askari-PIA Co-Brand CreditCard type).
• You will be eligible for A+ Miles if you book a PIA ticket through PIABooking Centres using your Askari-PIA Co-Brand Credit Card (applicable for booking in any class of travel).
• You are not eligible for A+ Miles on re-issued tickets.
• Your A+ Miles earned through PIA ticket purchase will be credited within05 working days of travelling on respective tickets.
• A+ Miles can only be earned if you fly on the ticket. A+ Miles earning does not apply to free tickets.
• “PIA Award + Plus Frequent Flyer Program” rules apply.

A+ Miles Capping & Expiry

Maximum annual capping of A+ Miles on your Askari-PIA Co-Brand Credit Card is:

The PIA Award+ Miles accumulated shall expire after three years from the date they are earned.

Note: Askari Bank reserves the right to change or amend maximum capping and expiry without prior notice to the credit card members.

How to Apply

You can apply by visiting our Branches or by calling our 24-hour Voice & Virtual Centre at 111-000-787. Our dedicated staff will help you complete your card application form and other formalities. You can also submit your details here, and our staff will contact you.

FAQ's