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Bank Alfalah Credit Card
 

Products on SBS and One Time Payment

Your partner wherever you go

Your Alfalah Awami Card is your partner everywhere and is globally accepted and welcomed at locations displaying the VISA logo. It is accepted at nearly 29 million locations in more than 150 countries around the globe and at over 22,000 Bank Alfalah’s establishments in Pakistan.
Alfalah Awami Card lets you pay for shopping, entertainment, meals, travel and much more.

Monthly Card Statement

To keep a check on the transactions you have made on your Alfalah Awami Card, you will receive a monthly statement indicating the following:
i) Purchases
ii) Service Charges
iii) Applicable fee (if any)

If you fail to receive your statement within 7 days of your statement date, immediately inform our phone Banking Staff at 111-225-111.

24-Hour Phone Banking Service

Our 24-Hour Phone Banking Service is there to help you with your requests. Our well-trained and qualified Phone Banking team will be able to assist you in:
a. Activating your card
b. Answering your queries
c. Registering your complaints
d. Reporting a lost / stolen card
e. Making bill payments

Foreign Transactions

Transactions made outside Pakistan will be converted from the transaction currency to US Dollars, based on international exchange rate prevailing on that date (Currency Conversion rate is a rate selected by VISA from the range of rates available in wholesale currency markets for the applicable processing date, which may vary from the rate VISA itself receives, or the government-mandated rate in effect for the applicable processing date in each instance, plus or minus any adjustment determined by the issuer). In order to assist Cardmembers, all transactions will be converted to Pak Rupees for payment. This conversion will be based on the market exchange rate quoted by authorized money changers and in accordance with the Bank’s Procedures applicable from time to time.

Q&A

Q. Please define different scenarios to levy service charges.
A. Following are different scenarios to levy service charges on the monthly bill statement.
Transactor: Transactions other than BTF and fees are called retail transactions. Transactor is the cardholder who pays off all his/her liabilities (mentioned in monthly statement) within due date, and no services charges is levied on such account.
Example: If a cardholder shops for Rs.10,000 in a month and within due date pays whole Rs.10,000 so being Transactor no service charges will be imposed at all, provided that there is no BTF and cash transactions / Call & Pay.                                          
Revolver: Revolver is the cardholder who does not make full payment at due date or even makes partial or minimum payment. For first time revolver, service charges will be charged on all transactions appearing in current statement and previous month statement from date of transactions. For second time revolver, service charges will be levied on carry forwarded balance from billing cycle date and on all transactions from transactions dates appearing in the statement. Any SBS installment will be treated as retail transaction and services charges will be levied.
Example: If a cardholder shops for Rs.10,000 in a month and at his/her due date pay Rs.5,000 , first Bank will charge him/her on Rs.10,000 till the date of partial payment i.e Rs.5,000. And from the date of partial payment onward, charges will be on remaining Rs. 5,000.
SBS/Installment Plan: Bank Alfalah cardholders can convert any transaction with the amount of Rs.3,000/- and above to a step by step (SBS) payment plan. It gives the cardholder the flexibility to convert his/her large payments into small-equally monthly installments. The customer is billed with principal and service charges separately on every month.

Q. How much is my credit limit?
A. Your credit limit is the maximum amount of credit approved in writing by Alfalah VISA. It is the amount that can be accessed through your credit card account. It also appears on your monthly statement.

Q. How is my credit limit assigned?
A. The credit limit assigned to you is based on your income, networth and credit worthiness determined from the information provided by you to us.

Q. What is the minimum amount I have to pay?
A. The minimum amount payable by you is 5% of the outstanding balance, or the minimum payment amount appearing on your card statement.

Q. How and where do I make my monthly payments?
A. You can make your monthly payments by:
1. Paying cash over the counter at any Bank Alfalah branch.
2. Sending a cheque / pay order / draft in the name of Bank Alfalah Credit Cards by mail or through the Drop Box at Bank Alfalah Branches. Charges will be applicable on all cheques that are returned unpaid. Please indicate your name and card number on the reverse side of the cheque.
3. AutoDebit for Bank Alfalah Customers (minimum balance or the total amount).

Q. What should I do if my address is changed?
A. You can inform us of your new mailing address by either sending a signed written request to Bank Alfalah Consumer Finance Division, 08 - Ali Block, New Garden Town, Lahore-54600 or by calling our 24 – Hour Phone Banking Service at 111-225-111.

Q. What do I do if I encounter a problem with my Card Account?
A. If at any time, you face a problem regarding your VISA Card, please call our 24-Hour Phone Banking Service at 111-225-111; or write directly to Bank Alfalah Consumer Finance Division, 8-Ali Block, New Garden Town, Lahore.

Q. What should I do if my Card is lost?
A. If your Card is lost or stolen, please report it to our 24-Hour Phone Banking Service immediately.

Q. What if I have a discrepancy/error on my monthly statement?
A. If you notice any error or discrepancy in your monthly statement, report the matter to our 24-Hour Phone Banking Service immediately and confirm it in writing to our Customer Services within 7 days of your statement date. In order to check statement entries and keep track of all your transactions, retain all your sales slips and printed receipt.

Q. Can I exceed my assigned Credit Limit?
A. Yes, in case of medical emergencies or travel purposes you can exceed your assigned credit limit with the prior approval of the Bank.
In case, you exceed the limit without the Bank’s prior approval, your card will be subject to Excess Limit Charges as per the Schedule of Charges.

Convenience & reliability

AutoDebit
This facility is specially designed for our account holders. It gives you the option of making your minimum or full payments due as specified in your Alfalah VISA monthly statement through your Bank Alfalah Account.

If you are not a Bank Alfalah Account holder and wish to avail this facility, kindly contact your nearest Bank Alfalah branch.

Utility Bill Payments
Now utility bill payments can be made through Alfalah VISA credit cards either by calling the Call Centre or through Direct Debit instructions.

*Available on FESCO, LESCO, IESCO, HESCO, GEPCO, KESC, SSGC, SNGPL, PTCL and Warid. Other companies shortly to be signed.

Credit Card Bill Payment through Alfalah HilalCard
Now Bank Alfalah account holders can make their credit card
bill payments through Alfalah HilalCard by using this facility on ATMs.

Special Offer on Warid post paid connections
Warid post paid connections are being offered to Alfalah cardholders with exciting features.

Instant SBS Monthly Installment Plan
Bank Alfalah cardholders can convert any transaction of Rs. 3,000 or above into easy installments of 3, 6, 12, 18, 24, 30 and 36 months’ tenures at the time of transaction on Bank Alfalah merchants.

Alfalah Cards SMS Facility
Alfalah cardholders can get SMS for card usage, mini statement, payment receipt confirmation, etc. A call can be made at
111-225-111 for registration.
 

Protection

Zero Loss Liability
If you ever lose your card, Bank Alfalah ensures that you never have to worry about it. You are covered for all fraudulent charges made on your card as soon as it has been reported lost to us. Just make sure that you report the loss immediately upon discovery. You are completely secure against loss/theft after the card loss has been reported to us.

Travel Accident Cover
Get a comprehensive cover in case of an accident while travelling on any vessel / vehicle. The transaction, however, must be made on your Alfalah VISA Credit Cards.
The coverage value is up to Rs. 1.75 Million for Bank Alfalah Awami Card

Coverage
1. Death: 100%
2. Permanent total loss of both eyes or two limbs: 100%
3. Permanent total loss of one eye and one limb: 75%
4. Permanent total loss of one eye or one limb: 50%
5. Permanent total loss of one finger or thumb or toe: 10%

SBS Monthly Installment Plan

Now you can convert any transaction amount of Rs. 3,000/- and above, to a Step-By-Step payment plan. It gives you the flexibility to convert your large payments into small equal monthly installments.

What Transaction can I Transfer to SBS?
• Retail Transactions (Domestic & International)

How Can I Apply?
It is a simple three-step process:
1. Fill in the SBS application form-available at any of the Alfalah Branch or Cards Center (required only at the time of first transaction, when you apply for SBS plan.)
2. Call at 111-225-786 and book the transaction under SBS.
3. Choose from 3, 6, 9, 12, 18, 24, 30, and 36 months’ affordable payment plan.

Terms and Conditions
1. Minimum transaction amount should be Rs. 3,000/-.
2. A processing fee of 2% will be applicable per transaction.
3. Pre-closure penalty will be 5% of remaining loan amount
or Rs. 1,000 (whichever is higher).
4. SBS Plan is not applicable on partial transaction amounts.

Through Alfalah VISA’s amazing SBS plan, you can get household appliances, travel packages and other products of everyday use at convenient and easy installments facilitating you to enjoy a life of luxury best suited to your convenience.
Example:
On a transaction amount of Rs. 6,000/- the installment for 36 months is Rs. 271.68 per month (i.e. 6000 x 0.04528).

Payments Plan

Normal SBS

Factor
@ 1.75% p.m

APR

Monthly
Installment (Rs.)

03 months 0.35083 31.23% 2,104.98
06 months 0.18417 35.15% 1,105.02
09 months 0.12861 36.36% 771.66
12 months 0.10083 36.74% 604.98
18 months 0.07306 36.68% 438.36
24 months 0.05917 36.22% 355.02
30 months 0.05083 35.66% 304.98
36 months 0.04528 35.07% 271.68

 

Credit Cover

  • Low Rates - High Protection
  • Protection against Uncertainties
  • While You Recover - We will Cover
  • Convenient and Hassle – Free

Alfalah VISA offers Cardmembers a new and powerful protection against the uncertainties of life. In the unfortunate event of prolonged illness, or temporary disability exceeding 45 days, we will pay the minimum outstanding amount on your Bank Alfalah VISA. In case of the cardholder’s death, loved ones have no cause to worry about outstanding credit card payments. All basic cardholders up to the age of 60 years are provided with this coverage up to the maximum of the outstanding amount including all supplementary card balances. Please refer to the Terms and Conditions for Credit Cover given in this booklet for further details on the applicable rights and obligations.

Alfalah Credit Cover also has a range of features (like coverage against confirmable fraudulent usage, counterfeit activity or any other unforeseen circumstances covered in our new Credit Cover policy) designed to protect you from the setbacks of life, at affordable rates.

Being automatically enrolled to the benefits of Credit Cover, you do not need to complete any forms or submit any applications for it. You will just be charged a very small percentage of your outstanding amount in each monthly credit card statement as “Credit Cover Premium”. If you feel you don’t require Credit Cover, then simply call our 24-Hour Phone Banking Service at 111-225-111.

Basics of your Card

  • Upon receiving your card, kindly sign it immediately on the signature panel at the back of your card with a non-erasable ball point pen.
  • Your card is valid till the expiry date shown on your card. Cardholders with a good credit history will receive a renewal card for the next membership period before the expiry date mentioned as “Until End” date on your card.
  • In case of a change of particulars, for instance address or telephone numbers, kindly intimate the Cards Division or our Phone Banking Service at your earliest.
  • Please mention your Card Account Number in all correspondence and on all cheques.
  • To request additional supplementary card(s), call 111-225-111 or contact any of the Bank Alfalah Branches.
  • Do read the Terms and Conditions thoroughly before signing / using your card.
  • Kindly refer to the Schedule of Charges for details of all charges and fees associated with the use of your card. For any queries related to your Bank Alfalah VISA, please contact our Phone Banking Service at 111-225-111.

How to use your Card?

Your Alfalah VISA Card is accepted at over 29 million physical locations in more than 150 countries around the globe, with more than 22,000 Bank Alfalah’s establishments in Pakistan.

  • Your Alfalah VISA Card is welcomed at all merchant outlets displaying VISA / PLUS sign in Pakistan and around the world.
  • To make payment, present your Alfalah VISA Card at the time of making the payment and inform the cashier of your mode of payment.
  • The merchant establishment will “Swipe” your VISA Card on the POS Terminal / Manual Imprinter. (Manual imprinters are not applicable in case of Alfalah HilalCard and VISA Mini)
  • The merchant will request you to sign the charge slip.

Remember:

  • While using your Card at any merchant establishment, ensure that all details have been entered correctly and completely before signing the charge slip.
  • Always use the same signature as on your card.
  • After using your card at a merchant establishment, make sure that the card returned is yours.
  • Retain your copy of the charge slip for future reference.

Monthly Card Statement

Each month upon receiving your monthly statement make sure to check the following:

  • Card Account Number: Your Card Account Number(s) is clearly stated on your statement.
  • Statement Date: The date on which the statement is generated.
  • Page: This indicates the number of pages your statement consists of.
  • Transactions’ Description: This indicates the date of transactions made, transaction reference, name of merchant establishment, amount charged and currency type (if the transaction is made on any currency other than Pak Rupees) to your Card Account.
  • Credit Limit: This indicates the total credit limit assigned to you for all your Cards account (Primary and Supplementary)
  • Payment Due Date: The date by which your payment should
    reach Bank Alfalah to avoid any late payment charges.
  • Current Balance: This figure indicates the total outstanding amount on your Card Account on the statement date.
  • Payment Coupon: The upper portion of your statement carries the payment coupon to be used for making payments. Fill this out carefully and attach it along with the cash/cheque payment. Detailed information on charges, payment options, etc. has also been provided at the back of your statement for your reference and convenience.
  • Examine your Card statement and immediately inform the bank of any irregularity or error in your statement. < to: it mail and address billing your in changes for statement of back the at form out fill>

Bank Alfalah Cards Division, 8-Ali Block, New Garden Town, Lahore - 54600.

Protect your Card
In case your card is lost or stolen, you just need to immediately report the loss by calling the Bank Alfalah Phone Banking Service at 111-225-111, so that your card can be blocked. It is also advisable to report the loss in writing to the bank. A new card will be issued to you within 1 week of reporting this loss. Your replaced card will be delivered only at your Alfalah VISA Card correspondence address within Pakistan. You are protected from any purchase transactions done on your card, from the time you report the loss to us. There will be a nominal charge for replacement of the card.

Please follow these guidelines for your safety as you enjoy the convenience of technology. However these guidelines are general; therefore, specific precautions may be taken as warranted by the situation and technology.

Precautions While Using Point of Sales (POS):

1.      Banks usually watch the cards transactions at point of sale (POS), to sort out if there are any unusual transactions, for the safety of customers and risk aversion. In such circumstances you may be contacted by your bank for authentication and confirmation of transactions. You are required to confirm your genuine transactions but do not disclose your PIN, Password etc. Such vigilance at both ends will bring synergy in the security of e-banking.

2.      Always check your credit card when returned to you after the purchase.

Safe Internet Transactions / Shopping Virtually and with your Cards:

1.      Please beware of frauds, persuasive and attractive traps of hackers.

2.      Keep software updated (operating systems and browsers) because fraudsters and malicious hackers are very clever and have found vulnerabilities in software’s (windows and browsers). Please ensure that operating and browser softwares are kept upto date using legitimate upgrades and patches issued by the legitimate software vendors.

3.      Make sure your computer has up-to-date anti-virus software and a firewall installed. Firewalls can monitor both incoming and outgoing Internet traffic and anti-virus will protect your computer against Trojan and worm attacks.

4.      Make sure your browser is set to the highest level of security notification and monitoring. The safety options are not always activated by default when you install your softwares on your computer.

5.      Two of the most popular browsers are Microsoft Internet Explorer and Netscape Navigator. Check that you are using a recent version - you can usually download the latest version from these browsers' websites.

6.      Only shop at secure websites - ensure that the security icon, the locked padlock or unbroken key symbol, is appearing in the bottom right of your browser window before sending your card details.

7.      The beginning of the retailer's Internet address will change from 'http' to 'https' when a purchase is made using a secure connection.

8.      Use sites you can trust, for example sites you know or that have been recommended to you or that carry the Trust logo.

9.      Click on the security icon to ensure that the retailer has a valid encryption certificate - the address on this certificate should conform to the address on the address bar. The certificate should ensure the identity of the website and the current day's date should be within the validity dates of the certificate.

10.  Keep your personal information safe – always be wary of e-mails asking you to click on a link or confirm your details. Reputable retailers, banks etc. would never ask you to disclose or confirm sensitive personal or security information. If in doubt, phone the organization first.

11.  Avoid signing up for junk mail – this may result in pre-filled application forms being sent to an address long after you’ve moved out.

12.  Print out your order and keep copies of the retailer's terms and conditions, returns policy, delivery conditions, postal address (not a post office box) and phone number (not a mobile number). There may be additional charges such as local taxes and postage, particularly if you are purchasing from abroad. When buying from overseas remember that it may be difficult to seek redress if problems arise, but having all the aforementioned information will help us take up your case if you subsequently have any difficulties.

13.  Ensure you are fully aware of any payment commitments you are entering into, whether you are instructing a single payment or a series of payments.

14.  In case you pay your utility bills using virtual banking facility, ensure that user name, customer ID, amount billed are exactly the same as in the bill sent to you by your company. The transaction receipt may be saved on the hard disk and may be printed as well. It can be referred to in case of mismatch with the Internet transaction history or the already paid bill may reappear in next billing cycle.

15.  If you have any doubts about giving your card details, find another method of payment.

16.  If you regularly make transactions over the Internet consider opening a separate credit card account specifically for these transactions.

17.  Keep your passwords secret. Some online stores may require you to register with them via user name and password before buying. Online passwords, should be kept secret from outside parties. Keep the login information safe and secret.

18.  Never send payment information via email. Information that travels over the Internet (such as email) is not fully protected from being read by outside parties. The most reputable merchant sites use encryption technologies that will protect your private data from being accessed by others as you conduct an online transaction.

19.  Never click on Hyperlinks within e-mails. If you are sure that the company is genuine then directly type in the URL in the Internet browser address bar, or call the company on a contact number previously verified or known to be genuine.

20.  Don’t let websites or merchants store your card information. The exchange of encrypted transactions will be better than to allow the storage of identity information on data bases.

Checking Statements:

1.      Ensure receiving of statement from your bank regularly. In case you do not receive statement within 7 days of your statement date, contact your bank for a copy of the bank statement.

2.      It is recommended that mini-statements are regularly produced for reconciling transactions.

3.      Reconcile your transactions regularly with statements (Bank Statement or Mini-Statement).

Fraudulent E-mails:

1.      Fraudulent email may bear the authentic trademarks, logos, graphics and URLs of the spoofed company.

2.      The HTML tags behind the link will reveal that the underlying URL usually does not link to a page within the authentic domain.

3.      The email requests confidential or personal information (such as four digit number, account number etc).

4.      It may request immediate action to keep accounts or cards activated so as to use it for some fraudulent purposes.

5.      The linked web site may not provide secure and authenticated communication (i.e. it does not show the closed padlock at the bottom of the web browser).

Only Open and Respond to E-mails that Pass Some Basic Tests, such as:

1.      Is the email from somebody you know?

2.      Have you received emails from this sender before?

3.      Were you expecting email with an attachment from this sender?

4.      Does email from this sender with the contents describe in the subject line and the name of the attachment makes sense?

5.      Does this email contain a virus?

Protection of Cards and Personal Information:

1.      Shield your card properly and follow basic principles of card storage. Cards are sensitive to mechanical, electromagnetic, sun impacts and can be pictured using cameras if left in plain view.

2.      Avoid to submit personal details for lucky draws even if these are from reputed organizations. Normally the organizations do not accept responsibility in case of theft of personal information which may cause loss to the Cardholder.

3.      Be wary of responding to e-mails requesting information. If in doubt, ask for proof of identity or undertake your own checks.

4.      Sign on the back of your new card as soon as you get it.

5.      Carry fewer cards. It will reduce the risk of stealing.

6.      In case of multiple cards make a list of all your cards and their helpline numbers and keep it in a safe and secured place.

7.      With credit and debit cards easily at hand, try not to keep large amounts of cash at home. Your financial institution is a lot safer.

8.      Cancel any unwanted or expired cards by contacting the card-issuer and cutting up the unwanted or expired card in at least two pieces.

9.      If you move house make sure you contact your bank and all other organizations to give them your change of address.

10.  Generally cardholders are not liable for losses resulting from circumstances beyond their control. Such circumstances include, but are not limited to:
a) Technical problems, card issuer errors, and other system malfunction.
b) Unauthorized use of a card where the issuer is responsible for preventing such use, for example after the card has been reported lost or stolen, the card is cancelled or expired.

Precautions When Going Abroad with Cards:

1.      Make a note of your card issuers’ emergency contact numbers and keep the information somewhere other than your purse or wallet.

2.      Be careful at airports and other terminals during checking times. Ensure the safety of your cards and other important documents.

When Making Transactions through Call Centers/IVRs:

1.      Don't give your card number over phone to cold callers. Only make telephone transactions when you have made the call and are familiar with the company. Be particularly cautious if you are cold-called by someone claiming to be from a bank or any authorized agency etc.

2.      Have the card in front of you. You may be asked for information including the card number, expiry date, the four-digit card security code on the signature strip, issue number where applicable, and your name as it appears on your card.

3.      If you feel pressured by a telemarketing salesperson, be suspicious. Never give out your account number unless you've decided to make a purchase.

4.      Do not volunteer any personal information when you use your credit/debit card, other than your ID document, which may be requested.

5.      If the retailer sends you written confirmation of the order, check the bill to ensure that it is correct. Keep any such receipts and check them off against your next statement.

6.      If you find any transactions on your statement that you are certain you did not make, contact your bank immediately. You may be asked to sign a disclaimer, confirming that you did not undertake the transaction.

What to do if you are a Victim of Card Fraud in General:
If you discover that your card has been lost or stolen or that you have been the victim of a fraud, you should inform us immediately. But if the cardholder is shown to have acted fraudulently or without reasonable care, he would have to meet all the losses.

Some Warning Signs of ID Theft and Fraud:

1.      Your regular bank or credit card statements fail to appear.

2.      You notice that some of your mail is missing.

3.      Your credit card statement includes charges for items you have not purchased or ordered.

4.      A debt collection agency contacts you about goods you have not ordered or an account you have never opened.

5.      You receive a telephone call or letter saying you have been approved or denied credit for accounts you know nothing about.

CAUTION:
KINDLY DO NOT GIVE AWAY YOUR CARD TO ANYONE IN ANY CASE E.G. FOR LIMIT ENHANCEMENT OR CANCELLATION OF YOUR CARD ETC. WITHOUT CUTTING IT INTO TWO HALVES.

Card Safety

When

  • You want to send your card for an upgrade.
  • Your card is damaged and you cannot use it due to loss of some security feature.
  • You are offered a new promotional service on your Credit Card.
  • There is some other reason to get the card replaced.

You are requested not to hand over your Credit Card to anyone even if he/she identifies himself/herself as a representative of the bank. We are available through our 24-Hour Phone Banking Service for your inquiries, or verification of any promotion or service that might be offered to you by any bank representative. Please call our 24-Hour Phone Banking Service at 111-225-111 before confirming acceptance or rejection of any such offer made to you by phone or in person.

If you are instructed to surrender your card by our Phone Banking Service, or you want to surrender the card yourself, you are requested to use the drop box placed at all our branches or courier the card(s) to us. To ensure safety of your card without the possibility of its usage during mailing, please cut your card into two separate halves vertically so that the data encoded on the magnetic strip is destroyed.

Schedule of Charges

The following Schedule of Charges is associated with Awami Card. Please make a note of the following so that you are fully informed of the charges on your Card.

Service Fee 3.33% per month (40% APR) on retail transactions.
1.75% per month (21% P.A.) on SBS transactions

 
SBS Factors & APR detail:
 
Installment Plan Factor APR
3 months 0.350833 31.23%
6 months 0.184167 35.15%
9 months 0.128611 36.36%
12 months 0.100833 36.74%
18 months 0.073056 36.68%
24 months 0.059167 36.22%
30 months 0.050833 35.66%
36 months 0.045278 35.07%
Late Fee Rs. 300/- or 10% of minimum amount whichever is higher
Cash Payment Processing Fee Rs. 100/- per transaction
Merchant Discount Charges Upto 5% of transaction amount.
Acquirer Cash Counter Fee (off us cards) 1% of transaction amount or Rs. 300/-, whichever is higher
Cheque / Cash Pickup Fee Rs. 200/- (available in cities having Bank Alfalah branches).
Over Limit Fee Rs. 300/- or 2% of Over Limit amount, whichever is higher.
Voucher Retrieval Fee Local: Rs. 350/- and International: Rs. 800/-.
Card Replacement/Upgrade Fee Rs. 250/-.
Cheque Return Charges/Rejected AutoPay Service Fee Rs. 400/-.
Duplicate Statement Charges Rs. 200/- (whenever 1 month old).
Step By Step Processing Charges 2% of transaction amount.
Step By Step Premature Settlement Charges 5% on balance amount or Rs. 1,000/-, whichever is higher.
Credit Cover Premium 0.50% of outstanding amount.
Utility Bill Payment Charges Rs. 15/- per transaction.
SMS Alert Fee Rs. 15/- per month.
Mobile Banking Fee Rs. 5/- per transaction.
Documentation Fee Rs. 500/-
Mobile PIN Issuance Charges Rs. 10/- per PIN

These charges are subject to change on half yearly basis. You may collect latest copy of schedule of charges from any of our nearest BAL branch.

VISA Int’l Emergency Assistance Centres

While travelling, please keep the enclosed Quick Reference Numbers with you for emergency assistance at all times.

Country

GCAS toll free

Anguilla

1-800-847-2911

Antigua

1-800-847-2911

Argentina

0800-666-0171

Aruba

800-1518

Australia

1800 450346

Austria

0800 293 084

Bahamas

1-800-847-2911

Bahrain

800-006

Barbados

1-800-847-2911

Belgium

0800 78465

Bermuda

1800 6230127

Bolivia

800-10-0188

Bonaire

001-800-847-2911

Brazil

0800 891 3680

British Virgin Islands

1-800-847-2911
 

Brunei

Access Code


 

800-1111 then


 

866 765 9644

Canada

1866 639 1911

Cayman Islands

1-800-847-2911

Chile

1230-020-2136

China

10800 4400027

Columbia

01800 912 5713

Costa Rica

0800-011-0030

Curacao

001-800-847-2911

Denmark

808 83399

Dominica

1888 425 2844

Dominican Republic

1-800-847-2911

Finland

0800-11-0057

France

0800 904349

Germany

0800 1822891

Greece

00800 4412 1092

Grenada

1-800-847-2911

Guam

888 425 0227

Guatemala

1-800-999-0115

Hong Kong

800 900 782

Hungary

06800 14352

India

Access Code


 

000-117 then


 

866 765 9644

Indonesia

001 803 44 1600

Ireland

1800 509042

Israel

1-800-941-1605</