AKBL is renowned as a proactive institution, committed to upholding tradition while innovating in the financial sector. Once again, AKBL has distinguished itself by introducing a unique product to the local card market. As the first bank in Pakistan to launch the “Askari WORLD Mastercard Credit Card” under the Mastercard umbrella, AKBL offers a premium card designed to provide its cardholders with unparalleled convenience, security, control, and a suite of premier benefits.
The World Mastercard is a distinctive and exclusive credit card that offers an array of exceptional benefits to its cardholders worldwide, particularly catering to high-profile customers such as CEOs, Managing Directors, and Corporate Executives. This card delivers a unique experience, granting access to a wide range of valuable offers, upgrades, and exclusive deals, including preferred access to luxury lifestyle options and remarkable deals on international travel.
| Offer | Details |
Worldwide Acceptability Cash Advance |
You can withdraw cash against your sanctioned credit limit as cash advances in Pakistan and around the World through ATMs displaying a Mastercard, 1-Link, Cirrus & Maestro logo or designated AKBL branches, during banking hours. (T&Cs apply) |
| 24-Hour Helpline | With Askari Mastercard, you are just a phone call away from the needed assistance. Our Askari Helpline Officers are available 24 hours a day, 7 days a week. To register complaints and to get a response to your queries, please call UAN: 051 111 000 787. |
| Supplementary Cards | Save yourself the inconvenience of applying for a separate Askari Mastercard for your loved ones. You can request up to 5 supplementary cards when you apply for your own card. You will receive a consolidated monthly account statement which covers all cards. This offer is available to your loved ones over 18 years of age. (T&Cs apply) |
| Lost or Stolen Cards | Please report the loss or theft of your Askari Mastercard immediately at our Customer Services UAN: 051 111 000 787. Once you have registered the loss of your credit card, your liability against its fraudulent use will be limited and we will issue a replacement card upon your request within 2-3 working days. |
| Askari Reward Redemption Program | Askari Bank's reward program is our way of thanking you for selecting our card. Askari Mastercard gives you an extra value for the money you spend. For every Rs. 50 you spend on retail transactions, you earn (02) two reward points which is redeemable through the Voucher-Based Reward Points Redemption Program at selected brands across Pakistan and the Reward Catalogue. The accumulated points appear on your monthly billing statement or you can call Askari Bank's 24/7 helpline at 051 111 000 787 to know your current reward points balance. (T&Cs apply) |
| Extended Payment Plans (EPP) | Shop Now, Pay Later; with Extended Payment Plans (EPP) on Askari Mastercard. Gone are the days when you could only avail of instalment plans for the payment of certain high-end products. Askari Mastercard now allows you to convert any retail transaction worth Rs. 10,000 or more into a monthly repayment plan so that you can spend now and pay later in easy monthly instalments. (T&Cs apply) |
| Flexible Credit Plans (FCP) | Askari Credit Cards offer instalment plans at 0% Markup Rate* for various products. Pay back in easy monthly instalments of up to 24 months. * 0% Markup varies from product to product (T&Cs Apply) |
| Balance Transfer Facility (BTF) | Askari Bank now brings a fast track "Balance Transfer Facility" with only a 2% mark-up rate per month with or without installment plan. You can pay your other bank's Credit Card debts through "The Askari Credit Card Balance Transfer Facility" and pay them back in easy equal monthly instalments. (T&Cs apply) |
| E-Commerce (3DSecure) | Your Askari Mastercard Credit Card is now protected by "Mastercard Secure Code" using a 3D Secure Platform for internet-based transactions. With this service, when you use your Askari Mastercard Credit Card on websites that have incorporated the "Mastercard SecureCode" sign, you will receive a One Time Password (OTP) by SMS & email both, on your registered mobile number and email that would be required to complete your transaction. This will add an extra layer of security while you shop online. (T&Cs apply) |
| Monthly eStatement | Askari Credit Cards offers paperless convenience, you can get a free-of-cost e-Statement on your registered email address. (T&Cs Apply) |
| SMS Alert | Askari Credit Cards offers transaction alerts on your registered mobile number. (T&Cs apply) For any changes in registered number call on UAN 051 111 000 787, or e mail us at customerservices@askaribank.com.pk. |
| Utility Bill Payments | Askari Bank Mastercard Credit Card Holders can also pay Utility through Askari Bank's website and Mobile Banking Application. (T&Cs apply) |
Complimentary Lounges at Airports |
Next time you travel Internationally, be our privileged guest at CIP Lounge at Airline Lounge at Islamabad Int'l Airport. Moreover, Int'l CIP Lounges at Multan Int'l Airport, CIP Lounge at Faisalabad Int'l Airport, CIP Lounge at Peshawar Int'l Airport & Iqbal CIP Lounge at Sialkot International Airport are also included for privilege services. Askari World Credit Cardholders are eligible for CIP Lounge facility. Your Askari Mastercard entitles you to a host of complimentary services including:
Rs. 1/- will be charged on Askari Mastercard Credit Card for each cardholder and every accompanying guest. (T&Cs apply) |
| Complimentary Majestic Lounge Services at Airports | Enjoy Majestic lounge that offers one-of-a-kind finest Lounge Services with Askari World Mastercard Credit Card. Avail premium quality services of Majestic lounge while you travel abroad through Jinnah International Airport, Karachi.
Exclusive Services
*Terms &Conditions apply |
| Business Lounge Facility at International Airports | Your airport lounge access benefit is being updated. Continue enjoying complimentary airport lounge access and airport dining offers by making an international transaction of a minimum USD 1 (or local currency equivalent) before April 1st, 2025. How does it work?
How to use:
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| Priceless™ Cities | Enjoy exclusive access to dining, travel and entertainment experiences all over the world with Priceless Cities offers from Mastercard. Visit https://www.priceless.com/ to find out more (T&Cs apply) |
| Cleartrip Airfare Discount | Get 10% off when you book your flight or hotel on Cleartrip using its website or App. Use the promo code MCWORLD for booking. (T&Cs apply) |
| IHG Hotels & Resorts Offer | Get a 15% discount on IHG Hotels & Resorts across Europe, Maldives, India, Middle East & Africa when you book at https://www.ihg.com/mastercardoffer. (T&Cs apply) |
Booking.com Discount |
Get up to 7% in credits with Askari Mastercard when booking your stay on booking.com through the dedicated link: https://www.booking.com/gating/authkey?aid=2439504&key=inWqdZYkNE (T&Cs Apply) |
| Avis Car Rental and Chauffeur Discount | Enjoy up to 35% off your next car Rental with Avis & complimentary Avis President's Club Membership. Visit avisworld.com/mastercardmea and book with your AKBL Mastercard Credit Card. (T&Cs Apply) |
| Budget Truck & Car Rental Discount | Get up to 10% off on your next car or truck rental with Budget. Visit https://www.budgetinternational.com/mastercard and book with Askari World Mastercard Credit Card. (T&Cs Apply) |
| Heathrow Express Discount | Enjoy seamless travel between London Paddington and Heathrow Airport with Heathrow Express. As an Askari Mastercard cardholder, you get 12% off on both Express Class and Business First tickets when you book using your Askari Mastercard. Promo code: MCARD26 (T&Cs Apply) |
| Bicester Village Shopping Collection Discount | Shop luxury in style with VIP discounts at the Bicester Village Shopping Collection across Europe. Visit thebicestervillageshoppingcollection.com/mastercard-mea for more. (T&Cs Apply) |
| MyUS Shipping Premium Membership | Shop over 100,000 MyUS retailers with Free Premium Membership (valued at USD 60), account set-up and 15% off shipping to anywhere, with your Askari Mastercard. Visit https://www.myus.com/welcome/Mastercardpremium to register. (T&Cs Apply) |
| Lingokids Discount | Join the learning adventure with Lingokids today! Subscribe with your Askari World Mastercard Credit Card to enjoy 1 week complimentary of Lingokids (for new customers only) and a 50% discount on subsequent memberships by using Promo code MASTERCARD50. Visit: Lingokids (T&Cs Apply) |
| FiiT Discount | Achieve your fitness goals wherever you are, whenever you want with Fiit. Subscribe to Fiit.tv & Pay with your Askari World Mastercard Credit Card and enjoy 25% off on your first subscription payment. Visit: https://getfiit.tv/mastercard. Promo code: MASTERCARD25 (T&Cs Apply) |
| "Mastercard Gamer Pass" with Go Gamer | Get your Mastercard Gamer Pass to participate in one of the biggest gaming communities consisting of online coaching sessions and online tournaments & win prizes. Use your Askari Mastercard Credit Card to register. Visit www.gogamers.tech (T&Cs apply) |
| Medical Tourism Concierge | Get discounts and complimentary concierge services when seeking medical treatment in Turkey, India, UAE, Thailand or Germany with Vaidam Medical Tourism Concierge. Redeem now through https://www.vaidam.com/mastercard-offers (T&Cs Apply) |
| Travel Inconvenience Insurance | Disrupted travel? Visit mcpeaceofmind.com/world to file a claim for the inconvenience of baggage loss, flight delays, cancellations and more:
Coverage for visiting parent(s). Parent(s) who live abroad visiting the Askari World Mastercard Credit Card Holder in their country of residence are eligible when the trip is paid through the Askari World Mastercard Credit Card. The standard Age limit for parents is 80 years old. Coverage for visiting children. Children who live abroad visiting their parent(s) in their country of residence are eligible when the trip is paid through the Askari World Mastercard Credit Card. |
| Travel Medical Insurance | Discover the protection with global health insurance for you, your family, and your peace of mind. Visit mcpeaceofmind.com/world to claim. Personal accident insurance – up to USD 500,000
Coverage for visiting parent(s). Parents(s) who live abroad visiting the Askari World Mastercard Credit Card Holder in their country of residence are eligible when the trip is paid for through the Askari World Mastercard Credit Card. The standard Age limit for parents is 80 Years Old. Coverage for visiting children. Children who live abroad visiting their parent(s) in their country of residence are eligible when the trip is paid through the Askari World Mastercard Credit Card. |
| Travel Insurance Confirmation Letter | Visit mcpeaceofmind.com/world to generate an immediate travel insurance confirmation letter for your visa requirements with Askari World Mastercard Credit Card. Coverage for visiting parent(s). Parents(s) who live abroad visiting the Askari World Mastercard Credit Card Holder in their country of residence are eligible when the trip is paid for through the Askari World Mastercard Credit Card. The standard Age limit for parents is 80 years old. Coverage for visiting children. Children who live abroad visiting their parent(s) in their country of residence are eligible when the trip is paid through the Askari World Mastercard Credit Card. |
| Complimentary Airport Transfers with Careem | Use your Askari World Mastercard Credit Card to enjoy 2 complimentary airport rides/year with Careem App to up to $3 equivalent to Pak Rupees. Enter the promo code MAPAK2 at checkout to redeem the offer. (T&Cs Apply) |
| Global Data Roaming (Flexiroam) | Stay connected anytime, from anywhere. Download the Flexiroam app and register for your complimentary data roaming plan with your Askari World Mastercard Credit Card to get 1 GB of free roaming data per year (each 1 GB valid for 5 days from the start date of your choice). You can also get a 15% discount on all subsequent Flexiroam data roaming plans. (T&Cs Apply) |
| FoodPanda Food Delivery Discounts | Order your Food with Foodpanda using your Askari Gold and Platinum Mastercard Credit Cards and use the relevant promo code to avail the discount. PKR 300 off 3 orders per month with a minimum order value of PKR 1800. Promo code MC300: for World Mastercard Credit card. PKR 200 off 1 orders per month with a minimum order value of PKR 1500. Promo code MC200: for Gold, and Platinum Mastercard. First-time users will get PKR 350 off on their first order of PKR 1000 or more, using the promo code MC350, and paying with their Askari Mastercard card. Validity Starting on the 15th of April, 2026 Until the 31st of December, 2026 |
| Costa Complimentary Food and/or Drink items in Dubai Airports | Get up to 4 complimentary food and/or drink items from Costa when traveling from an airport in Dubai. Download the Mastercard Travel Pass App from Google Play or Apple Store and enjoy your complimentary coffee or food! Each cardholder, both primary and supplementary, should showcase their individual QR code and boarding pass to benefit from the offer. Once a Costa offer is availed, lounge access will be locked (for 2 hours) and vice versa. (T&Cs Apply) |
| HoteLux complimentary status match | Get 12 months complimentary HoteLux Elite status with perks like upgrades, breakfast & hotel credit. Enjoy now! For details, simply download the Hotelux app from the App store or Google Play. Offer valid Until the 15th of November, 2026. |
| Trip.com discounts | Get up to 20% off flights and hotels bookings on Trip.com with your Mastercard card and enjoy your next trip! For more details, simply download the trip.com app from the App Store or Google Play. (T&Cs Apply) |
| Mastercard Travel Reward | Search available offers available at your destination by visiting https://www.priceless.com/mtr |
| Midasbuy UC points Discount | Unlock up to 40% extra UC points and a 10% discount on your next UC points purchase with Mastercard while playing PUBG on Midasbuy! T&Cs apply. www.midasbuy.com |
| GetYourGuide Discount | Enjoy up to 12% off unforgettable experiences on GetYourGuide with your Mastercard! Book via the official Mastercard link: https://www.getyourguide.com/?partner_id=LXRFQ65 (T&Cs apply) |
| Millennium Hotels and Resorts Offers | Enjoy exclusive stays at Millennium Hotels & Resorts with your Askari World Mastercard. (T&Cs apply) |
| Category | Description |
| Age | Minimum: 21 years
Maximum: 70 years |
| Category | Minimum Income |
| Salaried | 1.00 million |
| SEB/SEP | 2.00 million |
| Electronics Credit Information Bureau (ECIB) & Debt Burden Ratio (DBR): | Mandatory for all applicants. Debt burden inclusive of all existing and proposed liabilities shall not exceed 40% of net disposable income |
You can apply by visiting our Branches or by calling our 24-hour Contact Center at 051 111-000-787. Our dedicated staff will help you complete your card application form and other formalities.
You can also submit your details here, our staff will contact you.
Askari World Mastercard Credit Cards offer installment plans at 0% Markup Rate* for a wide variety of products. Pay back in easy monthly installments of up to 24 Months.
Your Askari World Mastercard Credit Card is now protected by "Mastercard SecureCode Inserted Image" using the 3-D Secure platform for internet-based transactions.
Click here
Askari Bank Rewards Redemption Program has made shopping even more exciting and rewarding! Now you can earn reward points with every retail payment through your Askari Mastercard Credit Card.
Click here
Askari Bank continues to provide innovative and safe electronic payment solutions to its customers. Facility of ATMs/Debit Cards,
Click here
Cash for Card is a service of Askari Bank through which customers can avail up to 70% of their assigned credit limit as cash in their Askari Account or through a Banker’s Cheque.
Click here
| Sr # | Airport Name | City | Lounge | Askari Mastercard Credit Cards | |||
|---|---|---|---|---|---|---|---|
| Complementary Lounge Access on Domestic Travel | Complementary Lounge Access on International Travel | ||||||
| 1 | Jinnah International Airport | Karachi | Majestic | Askari World Mastercard Credit Card holder (No guest allowed) |
Askari World Mastercard Credit Card holder + 02 guests allowed Askari Platinum Mastercard Credit Card holder + 01 guest allowed Askari Corporate Mastercard Credit Card holder + 01 guest allowed |
||
| 2 | Islamabad International Airport | Islamabad | CIP | ||||
| 3 | Multan International Airport | Multan | CIP | Not Applicable | |||
| 4 | Faisalabad International Airport | Faisalabad | CIP | ||||
| 5 | Peshawar International Airport | Peshawar | CIP | ||||
| 6 | Sialkot International Airport | Sialkot | CIP | ||||
*Rs. 1/- will be charged on Askari Mastercard Credit Card for each cardholder and every accompanying guest. (T&Cs apply)
| Benefit | World | Platinum | Gold | ||
|---|---|---|---|---|---|
| AIRPORT & TRAVEL BENEFITS | |||||
|
Millennium Hotels and Resorts Offers Enjoy exclusive stays at Millennium Hotels & Resorts with your Askari World Mastercard. Get one complimentary night when staying for 3 or 4 nights. (T&Cs apply) |
Yes | No | No | ||
| HoteLux complimentary status match Get 12 months complimentary HoteLux Elite status with perks like upgrades, breakfast & hotel credit. Enjoy now! For details, simply download the Hotelux app from the App store or Google Play. Offer valid Until the 15th of November, 2026 |
Yes | No | No | ||
| Trip.com discounts Get up to 20% off flights and hotels bookings on Trip.com with your Mastercard card and enjoy your next trip! For more details, simply download the trip.com app from the App Store or Google Play |
Yes | Yes | No | ||
| Complimentary Lounges at All Pakistan Airports (on international travel only) | Yes | Yes | No | ||
| Complimentary Lounges at selected Pakistan Airports (on domestic travel only) | Yes | No | No | ||
| Business Lounge Facility at International Airports (Enjoy complimentary access to airport lounges) | Yes | Yes | No | ||
| Priceless.com (Priceless Cities provides access to unforgettable experiences in the cities where you live and travel) | Yes | Yes | Yes | ||
| Mastercard Travel Reward (Search available offers available at your destination by visiting https://www.priceless.com/mtr) | Yes | Yes | Yes | ||
| Cleartrip Flight & Hotel Booking Discounts (For details Go to Cleartrip's website or download the app from App Store or Google Play Store & Simply enter the relevant promo code when booking to enable the discount.) | 10% off Promo code MCWORLD | 8% off Promo code MCPLATINUM | No | ||
| IHG Hotels & Resorts Discount (15%) (Simply visit http://www.ihg.com/mastercardoffer to redeem the offer) |
Yes | Yes | Yes | ||
| Booking.com Discount (Go to booking.com's Mastercard landing page, register or Login. Cashback will be credited to your booking.com wallet within 70 days) | Yes | Yes | Yes | ||
| Hertz Gold Plus Rewards Presidents Circle (Join now at hertz.com/mcworld and get up to 15% off car rentals with Hertz and your World Mastercard. Members add CDP814540 to upgrade) | Yes | No | No | ||
| Medical Tourism Concierge (Get discounts and complimentary concierge services when seeking medical treatment in Turkey, UAE, Thailand or Germany with Vaidam Medical Tourism Concierge. https://www.vaidam.com/mastercard-offers) |
Yes | Yes | Yes | ||
| Avis Car Rental (Enjoy up to 35% off your next car rental with Avis & complimentary Avis President’s Club membership. Visit avisworld.com/mastercardmea and book with your AKBL Mastercard Credit Card) |
Yes (with Chauffeur Services) | Yes | Yes | ||
| Budget Truck & Car Rental Discount (Get up to 10% off on your next car or truck rental with Budget. Visit www.budgetinternational.com/mastercard and book with your AKBL Mastercard Credit Card). | Yes | Yes | Yes | ||
| Complimentary Airport Transfers with Careem (Use your Mastercard to enjoy your complimentary airport rides with Careem. Enter the relevant promo codes to redeem the offer) | Yes (2 rides/year) | No | No | ||
| Global Data Roaming (Flexiroam) | |||||
| Flexiroam's global connectivity covers 208 countries worldwide (Stay connected anytime, from anywhere. Download the Flexiroam app and register to your complimentary data roaming plan with your eligible Mastercard card). | Yes (1GB per year) | No | No | ||
| Costa Complimentary Food/Drink at Dubai Airports | |||||
| Get up to 2 complimentary food and/or drink items from Costa when traveling from an airport in Dubai. Download the Mastercard Travel Pass App from Google Play or Apple Store and enjoy your complimentary coffee or food! | Yes (Up to 2 items) | Yes (Up to 1 item) | No | ||
| Gaming & Digital Entertainment | |||||
| Midasbuy UC points Discount (Unlock up to 40% extra UC points and a 10% discount on your next UC points purchase with Mastercard while playing PUBG on Midasbuy! T&Cs apply. www.midasbuy.com) | Yes | Yes | Yes | ||
| Mastercard Gamer Pass with Go Gamers (Get your Mastercard Gamer Pass to participate in one of the biggest online gaming community consisting of online coaching sessions and online tournaments & win prizes. Use your AKBL Mastercard Credit Card to Register and Win big prizes) https://www.gogamers.tech/ | Yes | Yes | Yes | ||
| Shopping & Lifestyle | |||||
| Bicester Village Shopping Collection (Enjoy luxury in style with VIP discounts, hands-free shopping, reserved parking & access to The Apartment at the Bicester Village across Europe with your Mastercard. Visit thebicestervillageshoppingcollection.com/mastercard-mea for more) | Yes | Yes | Yes | ||
| Foodpanda Food and Grocery Delivery Discounts Download the Foodpanda app, find & select the food or grocery items you’d like to order making sure it meets the minimum value requirement. Apply the relevant promo code & pay with your eligible AKBL Mastercard credit card to redeem an instant discount. T&Cs apply |
Yes | Yes | Yes | ||
| MyUS Premium Membership (Shop over 100,000 MyUS retailers with Free Premium Membership, account set-up and 30% off shipping to anywhere, with your TIER Mastercard. Visit myus.com/welcome/Mastercardpremium to register) | Yes | Yes | No | ||
| Education & Fitness | |||||
| Lingokids Plus Discount (Join the learning adventure with Lingokids today! Subscribe with your eligible Mastercard to enjoy 1 Month of complimentary of LingoKids plus and a 20% discount on subsequent memberships). | Yes | Yes | Yes | ||
| Fiit Fitness App Achieve your fitness goals wherever you are, whenever you want with Fiit. Go to https://getfiit.tv/mastercard to subscribe to Fiit.tv & pay with your Askari Mastercard Credit Card to enjoy 25% off on your first subscription payment. |
Yes | Yes | Yes | ||
| Insurance & Protection | |||||
| Travel Inconvenience Insurance (If you encounter an obstacle during travel, you shouldn't have to face the inconvenience alone. Whether your luggage goes amiss or flight delays interrupt your plans, inconvenience insurance covers you for the hassles life throws your way. Coverage is only valid for visiting parents / visiting childrens. T&Cs apply For details & to file a claim simply visit https://www.mcpeaceofmind.com/) | Yes | No | No | ||
| Travel Medical Insurance (You and your loved ones deserve peace of mind every time you travel. Rest assured that you will receive compensation for medical care or emergency help if you need it. Coverage is only valid for visiting parents / visiting childrens. T&Cs apply Visit https://www.mcpeaceofmind.com/ to claim) | Yes | No | No | ||
| Purchase Protection (Credit Platinum) (Shop with confidence, knowing that the purchases you make with your Mastercard are: • Protected in case of theft or accidental damage for up to 180 days from the date of purchase • Covered for up to USD 2,000 per claim and a maximum of USD 5,000 over 12 months In case of damage, you can either get a new item to replace the damaged one or receive compensation for the item's total value, as per the store receipt.) | No | Yes | No | ||
| Travel Insurance Confirmation Letter (As a Askari Mastercard cardholder you can generate a letter online seamlessly and immediately for your Schengen or other visa requirements. Coverage is only valid for visiting parents / visiting childrens. T&Cs apply Visit https://www.mcpeaceofmind.com/ to generate a travel letter) | Yes | No | No | ||
Note: This table provides a summary of key benefits. Please refer to Priceless.com for complete terms and conditions.
Minimum 21 years old & Pakistani resident, can apply for Askari Mastercard Credit Card.
Yes. Individuals maintaining FC accounts with AKBL, Remittance/Roshan Digital Account holders, and holders of Naya Pakistan Certificates can apply for Askari Mastercard Credit Cards on a lien basis.
Note: Facility can only be allowed in case of FC joint account maintaining with AKBL (one person should be residing in Pakistan).
The minimum credit limit is Rs. 30,000/—, and the maximum is up to 3.0 million or as per 40% Debt to Burden Ratio, subject to SBP PRs.
Askari Credit Card is an evergreen facility and renewable after the expiry of a credit card.
Credit Cards can be availed from all cities / Areas without discrimination.
The processing time of the Credit Card facility is 10 working days from login till approval subject to the complete application with required documents.
Processing Charges will be as per the prevailing Bank’s Schedule of Charges (SOC).
In case of overdue / default, the recovery department of AKBL will contact you, and your loan-related details will be reported to the Credit Bureau. Late payment and cheque return charges may also be applicable as per the prevailing schedule of charges. Legal proceedings may also be initiated by the Bank.
Our Sales/front-end staff is always there to serve you. You can visit/ call or send an email to our Customer Services centre (s) as well.
Email Address: CustomerServices@askaribank.com.pk
Note: Askari Bank can reject any application as per the Bank’s criteria.
As per SBP directives w.e.f Nov 1, 2022, an industry-wide annual maximum limit of USD 30,000/- per individual on card-based (debit/credit and virtual cards) cross-border transactions is applicable. It is the primary responsibility of a customer to ensure that his/her annual limit is not breached at any time.
To avoid any inconvenience, you are requested to please restrict your international spending within the defined limit. Cross-border commercial payments through cards issued to individuals are not permissible.
