Askari-PIA Co-Brand Credit Card

Great Rewards to Fly with Askari-PIA Co-Brand Credit Card

Askari Bank & PIA join hands to launch one of the most promising travel credit card. Now enjoy great travel benefits while travelling on Pakistan International Airline on your Askari-PIA Co-Brand Credit Card. Unlock access to local & International departure lounges, Deals & Discounts, Accelerated Air Mile earning and much more.

Variants:
At Askari Bank, we are offering three variants of Askari-PIA Co-Brand Credit Card:

  • Askari-PIA Co-Brand Classic Credit Card
  • Askari-PIA Co-Brand Gold Credit Card
  • Askari-PIA Co-Brand Platinum Credit Card
Free Membership of PIA Award + Plus Program
You will receive an instant membership of PIA Award + Plus Program for 1 year. If you are a Classic Card holder you will receive a membership of PIA Award + Emerald membership, if you are a Gold Card holder you will receive a PIA Award + Sapphire membership and your Platinum card gets you a PIA Award + 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 on buying a PIA ticket on your Askari-PIA Co-Brand Credit Card.

10% Off on Ticket Purchase
Purchase your ticket with your Askari-PIA Co-Brand Credit Card and get 10% off on airfare at PIA Booking Centres.

Service Fee Waiver
Get 100% service fee waiver by simply showing your Askari-PIA Co-Brand Credit Card at PIA Booking Centres.

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/

    Free Membership of PIA Award + Plus Program

    If you are an existing Frequent Flyer member with PIA, your tier will be upgraded on becoming 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 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
    Askari-PIA Co-Brand Credit Card Type Award Plus Membership Status Criteria to Retain Membership
    Classic Emerald Valid for life. To remain active, the member must have at least one activity in one calendar year i.e. Jan-Dec.
    Gold Sapphire 25 trips or 30,000 tier miles in one calendar year i.e. Jan-Dec
    Platinum Diamond 50 trips or 70,000 tier miles in one calendar year i.e. Jan-Dec
    Existing Customer Membership Criteria
    Existing FFP Member Classic Card Gold Card Platinum Card
    Emerald will retain Emerald Tier status *will be upgraded to Sapphire Tier *will be upgraded to Diamond Tier
    Sapphire will retain Sapphire Tier status will retain Sapphire Tier status *will be upgraded to Diamond Tier
    Diamond will retain Diamond Tier status will retain Diamond Tier status will retain Diamond Tier status

    *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-PIA Co-Brand Credit Card.
    • Upon credit card activation, your Bonus Miles will be credited on subsequent bill / statement.
    • 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 in your final billing statement.
    • Get Bonus Miles with new Credit Card as well as on conversion of existing Credit Card to 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 Frequent Flyer Number. Please provide correct existing Frequent Flyer Number at the time of application.

    Bonus Miles Awarded to Customers
    Askari-PIA Co-Brand Credit Card Type Existing Frequent Flyer Member New Frequent Flyer Member
    Classic 2,500 3,000
    Gold 3,500 4,000
    Platinum 5,500 6,000


    Award + Miles on Shopping

    • You can earn 1 A+ Mile for every PKR 150 spent locally. Local/Domestic spend means any eligible transaction in PKR currency locally.
    • You can earn 1.5 A+ Miles for any eligible transaction equivalent to PKR 150 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. Foreign currency spent on PIA will be calculated as per below criteria. Rs. 150 = 1$ = 1 Mile.
    • Miles Earn & Burn Criteria
      Spend Value in PKR Loyalty A+ Mile(s)
      Local Retail spend 150 1.00
      International Retail Spend 150 1.50
      *PIA Spend 150 2.00

      *PIA Spending means spend 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 instalment plans, 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 “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 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 earn by supplementary cardholder’s spending will also be credited to your (basic credit card) PIA Awards + 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 Credit Card type).
    • You will be eligible for A+ Miles if you book PIA ticket through PIA Booking 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 within 05 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 on 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:

    Classic Gold Platinum
    30,000 60,000 100,000

    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.

    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 transfer, 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 all the details of your purchase.
    For the paperless convenience and to have access to your credit card statement through email, you can enroll 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 cheques 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 Askari Credit 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 3DS technology. Ensuring you can shop online with peace of mind. 3DS technology enables password 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 on easy, equal monthly installments.
    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 Cash for Card facility and pay back in monthly installments. Cash can be made available to your Askari Bank account or you can receive a Banker’s Cheque in case you don’t have Askari Bank account.
    For applicable charges for above instalment plans, please refer to 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 any time, anywhere. You can view your monthly statements payment status and make bill payments along with a host of other online services. Internet Banking & Mobile App facility is available for only those customers who are account holder of Askari Bank.

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

    Insurance Coverage
    Askari-PIA Co-Brand Credit Card offers insurance plans covering against the 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, baggage damage while you are travelling abroad.

    International Acceptance
    Your Askari-PIA Co-Brand Credit Card is powered by Mastercard that is accepted globally. You can use your card on 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 advance in Pakistan and around the World through ATMs displaying a MasterCard, 1-Link, Cirrus & Maestro logo. For applicable rates, please refer to 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 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 at Askari Bank’s website.
    You can pay your outstanding through:

    • Direct debit instructions
    • Cash/cheque over the counter
    • Cheque payment through 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 the transactions have been conducted by you. 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 redemption related issues must be raised by the credit cardholder 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 in to 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 in to your PIA Awards + Plus Frequent Flyer Program Account within 05 working days.

    • In case of an upgrade of your credit card from regular card to Askari-PIA Co-Brand Credit Card your existing reward points will not be shifted to your new Co-Brand Credit Card.

    • You can move up the tiers of “PIA Awards + Plus Frequent Flyer Program” 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 applicant’s name.

    • If you are not an existing “PIA Awards + Plus Frequent Flyer Program” account holder, you will be automatically enrolled to PIA Awards +Plus Frequent Flyer Program account.

    111 000 787 www.askaribank.com
    111 786 786 www.piac.com.pk

You can apply by visiting our Branches or by calling at our 24 hrs call center 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, our staff will contact you.

What is Askari-PIA Co-Brand Credit Card and how is it different from the other Credit Cards?
Askari Bank and Pakistan International Airline have joined hands to introduce the Frequent Flyer Co-Brand Credit Card in Pakistan. This powerful card combines the global privileges of Askari-PIA Co-Brand Credit Card with the unique features of the PIA Awards +Plus Frequent Flyer Program promising you unparallel value.

What is Askari-PIA Co-Brand Credit Card Rewards Program?
The Askari-PIA Co-Brand Credit Card Rewards Program allows you to earn “A+ miles” at an incredible rate. You can earn “A+ miles” on retail spend on your Askari-PIA Co-Brand Credit Card and redeem your earned “A+ Miles” on PIA Award +Plus Frequent Flyer Program.

How can I enroll myself in PIA Awards +Plus Program Membership?
You will automatically get enrolled in PIA Awards +Plus Program once you have your Askari-PIA Co-Brand Credit Card. You will receive two emails from PIA Award+ Program; first one as your account confirmation and the other one containing the password to login to your PIA Award +Plus Account.

Do I have to pay a fee for becoming a PIA Awards +Plus Member?
No, PIA Awards +Plus Membership is absolutely free with your Askari-PIA Co-Brand Credit Card.

Can I apply for Askari-PIA Co-Brand Credit Card if I already have a regular Credit Card?
Yes, you can apply for Askari-PIA Co-Brand Credit Card even if you have a regular Askari MasterCard Credit Card simultaneously.

Can I replace my existing regular Askari Credit Card to Askari-PIA Co-Brand Credit Card?
Yes, you can apply for replacement of your regular Askari Credit Card to Askari-PIA Co-Brand Credit Card. Replacement charges will be applicable as per prevailing schedule of charges available on Askari Bank’s official website.

Will my physical Credit Card change if I apply for replacement of my existing regular Askari Credit Card to Askari-PIA Co-Brand Credit Card?
Yes, Askari Bank will issue a new Askari-PIA Co-Brand Credit Card if you apply for replacement of your regular Credit Card.

Can I redeem earned Miles on Askari-PIA Co-Brand Credit Card on any merchant which are available for regular Askari MasterCard Credit Card?
No, you can only redeem A+ Miles through PIA Awards +Plus Program.

Can I apply for FCP, BTF, CFC installment plans against Askari-PIA Co-Brand Credit Card?
Yes, you can apply for Flexible Credit Plans, Balance Transfer Facility & Cash for Card with you Askari-PIA Co-Brand Credit Card.

Can I apply for Supplementary Credit Card against my Askari-PIA Co-Brand Credit Card?
Yes, you can apply for upto 05 supplementary Credit Cards with you Askari-PIA Co-Brand Credit Card.

Supplementary Credit Cardholder will also get free membership of PIA Award +Plus Program membership?
No, Supplementary Credit Cardholders will not get free membership of PIA Award +Plus Program.

Will Supplementary Cardholders of Askari-PIA Co-Brand Credit Card earn A+ Miles?
Yes, A+ Miles earned through retail spend by Supplementary Credit Cardholders. However, earned A+ Miles will be credited to Basic Credit Cardholder.

I have access to my PIA Award + Plus Account and want to redeem my A+ Miles. How do I redeem them?
To redeem your A+ Miles you can send an email to servicecenter@piac.aero.

Can I redeem my A+ Miles partially or fully?
Yes, you can do partial or full redemption of A+ Miles.

Where can I purchase PIA ticket(s)?
You can purchase PIA ticket(s) by visiting PIA Booking office across Pakistan.

How do I pay for the ticket(s)?
You can pay for the ticket(s) through your Askari-PIA Co-Brand Credit Card.

How much discount can I get on ticket purchase?
You can get 10% off on your ticket purchase through Askari-PIA Co-Brand Credit Card.

Do I get any other discount while purchasing my PIA ticket through Askari-PIA Co-Brand Credit Card?
Yes, you will also get service fee waiver in addition to 10% discount.

Which other benefits do I have with Askari-PIA Co-Brand Credit Card?
In addition to discounts, you can avail lounge facility, Priority Check-In and Baggage Facility.