Q. What is Fortunes?
A. Fortunes is a branded rewards program for Bank Alfalah Limited's Credit Cardmembers. It is our way of thanking you for choosing our Card.

Q. How can I enroll myself in the Fortunes program?
A. As Bank Alfalah Limited•s Cardmember, you do not have to do anything in order to enroll. Enrollment is automatic for all Basic Cardmembers.

Q. How do I start earning Fortunes points?
A. For every fifty rupees spent on your Basic and/or Supplementary Card you earn a reward point. Please refer to the Terms & Conditions of the program, present in the catalogue for a detail on exceptions.

Q. Do my Supplementary Cardmembers accumulate Fortunes points by spending on their Card too?
A. Yes, Supplementary Cardmembers earn Fortunes points the same way as the Basic Cardmembers. The points earned by the Supplementary are added to the Basic Cardmembers Account.

Q. Can a Supplementary Cardmember claim a Fortunes Reward?
A. A Supplementary Cardmember cannot request for a reward. However the Basic Cardmember can designate anyone to collect his/her reward and/or Fortunes Certificate on his/her behalf.

Q. Can reward points of Basic Cardholders be combined together for redemption of an item?
A. Yes reward points of the Basic Cardholders are transferable for redemtption of any reward item. This will enable our cardholders living in a household or having a group of friends to redeem items of their choice and gift their points to anyone they like.

Q. How will I be informed of the Fortunes points earned, redeemed and balance of carried forward points?
A. The details of points earned, redeemed, adjusted, etc. will be elaborated in the Monthly Card Statement. You can also call 24 hours a day, seven days a week Bank Alfalah Phone Banking Service at 111-225-111 and inquire about the status of points on your card.

Q. How can I redeem my Fortunes reward points?
A. You can claim your reward 24 hours a day, seven days a week by calling our Bank Alfalah phone banking service at 111-225-111 or by filling out the redemption form included in the Fortunes catalogue and mailing it to us. For your convenience additional reward redemption forms have been placed at our branches.Very soon, you will also be able to submit online application available on our website (www.bankalfalah.com).

Q. When do the rewards points expire?
A. All points will expire and will no more be available for use if not utilized within 2-1/2 years of the statement date.

Q. Can I redeem multiple Fortunes rewards at a time?
A. Yes, you can redeem multiple rewards as long as the sum is equal to or less than the total points you have earned or you can redeem your points using FTO (details to follow). Or, you can choose to keep some points for other redemptions at a later stage.

Q. How long does it take to receive my Rewards?
A. The Reward / Reward Certificate will be mailed to you within 4-6 weeks of receiving of your request. In case of Certificate, further instructions will be mentioned on it.

Q. Are my Fortunes points exchangeable for Cash?
A. Points accumulated in the Fortunes Program cannot be exchanged for cash.

Q. If I want to shop more than the amount mentioned on the shopping voucher redeemed from the Fortunes reward program, can I adjust the difference myself?
A. If you do wish to shop more than the specified value, you can do so and settle the amount on your own.

Q. If I want to shop less than the amount mentioned on the shopping voucher redeemed from the Fortunes reward program, can I adjust the difference or claim cash for the difference amount?
A. In the event that the reward redeemed by you is a shopping voucher, the item(s) selected by you should be atleast of the face value mentioned on the Fortunes Certificate.

Q. What happens to my Fortunes Points when my Card is upgraded/downgraded?
A. In the event of an upgrade / downgrade, your Fortunes points will be transferred to your new account.

Q. What is FTO (Fast Track Option)?
A. FTO is a unique facility offered by Bank Alfalah Limited in order to make rewards more achievable. A reward that has been marked as FTO is either redeemable against points OR a combination of Fortune points and rupee payment.

Q. How can I avail the FTO?
A. Simply indicate your consent on the Redemption form or express your consent while booking your reward at 111-225-111.

Q. Is there a service fee to avail FTO?
A. No service fee is charged if you avail FTO.

Q. How does the FTO work?
After you have communicated your consent of redeeming a reward using the Fast Track Option, the points required would be deducted from your Fortunes points account. The rupee contribution would be posted as a charge on to your Card account which will be reflected in your subsequent Monthly Account Statement.

Q. Is the FTO available on all rewards?
Fast Track Option is available on selected rewards only. Look out for the rewards marked with •

Q. What if I do not have the points required to avail FTO of a particular reward, can I calculate the difference and make the payment?
A. The combination of points and rupee payment required are fixed for the rewards offered on FTO. You are required to have the exact amount (if not more) of Fortunes rewards points mentioned under FTO against a respective reward. If you do not have sufficient points, the difference cannot be paid through cash.

Q. Can I pay the rupee requirement of FTO in Cash?
A. Since the rupee amount for a reward being redeemed through FTO is posted as a charge on your Card with your consent, any payment made by you would be debited to your Card Account and will be used to settle the outstanding on your Card.