• Your partner wherever you go
• Alfalah Merchant Acquiring
• Features
  - Convenience & reliability
  - Protection
  - Step-By-Step (SBS) Monthly Installment Plan
  - Balance Transfer Facility (BTF)
  - Credit Cover
  - Cash Advance Facility
  - Women Exclusive Card
  - Supplementary Cards
  - Buy your dreams online
  - Reward yourself
• Basics of your Card
• How to use your Card?
  - Cash withdrawals
• Monthly Card Statement
• Protect your Card
• Card Safety
• Schedule of Charges
• Visa Platinum Concierge Services
• Membership of Priority Pass Card
• VISA International Emergency Assistance Centers
• Terms and Conditions  

CLICK HERE FOR PLATINUM PRIVILEGES

Your partner wherever you go!

Your partner everywhere and is globally accepted and welcomed at locations displaying the VISA logo. It is accepted at nearly 27 million locations in more than 150 countries around the globe and at over 2200 establishments in Pakistan.

Alfalah VISA Platinum Card lets you pay for shopping, travel, entertainment, meals and much more. You have access to cash at more than 1 million ATMs worldwide and 2200 1Link ATMs in Pakistan. With your Alfalah VISA Platinum Card and PIN (Personal Identification Number) you can withdraw any amount upto 75% of your assigned credit limit.

You can generate PIN through IVR (Interactive Voice Response). Please ensure that your PIN is kept safe and confidential. In case it gets known to someone else report the matter to our Toll Free number 0800-22225.

You also have the option of withdrawing cash by requesting an Over-the-Counter Cash Advance at 3,60,000 financial institutions worldwide or at any Bank Alfalah Branch/ATM or participating VISA member banks in Pakistan.
 

Monthly Card Statement

To keep a check on the transactions you have made on your Alfalah VISA Platinum Card, you will receive a monthly statement indicating the following:

1. Purchases
2. Cash withdrawals
3. Service Charges
4. Applicable fee (if any)
5. Fortune Reward Points

If you fail to receive your statement within 7 days of your statement date, immediately inform our phone Banking Staff at 0800-22225.

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 card members, 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.

Cash Advance / BTF: Bank Alfalah cardholders can avail Cash Advance Facility up to 75% of their credit limit. Bank Alfalah also offers an easy and convenient way to settle their payments on all their existing credit cards by Balance Transfer Facility (BTF). The service charges on above two facilities are taken from the date of transactions either customer is Transactor (explained below) or Revolver (explained below).

Example: If a customer avail cash advance or BTF of Rs.10,000 on 01-1-2008 and pay whole 10,000 on 06-1-2008. He /she will also be charged with 5days service charges on 10,000. In case of partial payment, please see the details in heading Revolver.

Transactor: Transactions other than cash advance / 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 and being Transactor no service charges will be imposed at all, if 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, net worth 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. Rs. 800 will be charged on all cheques that are returned unpaid. Please indicate your name and card number on the reverse side of the cheque.
    
3. Auto debit 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 Credit Cards, or by sending us the completed address change form on the reverse side of your monthly statement.
 

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 Alfalah VISA Platinum Card, please call our 24-Hour Phone Banking Service at 0800-22225; 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 receiving date. In order to check statement entries and keep track of all your transactions, retain all your sales slips and printed receipts.

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.

 

Alfalah Merchant Acquiring

Being the largest issuer of credit cards in Pakistan, Bank Alfalah Limited further aims to provide even better quality services to its customers.

Now Bank Alfalah has provided the merchants all over Pakistan with POS terminals, aiming to facilitate Alfalah Credit Card customers and providing them with an opportunity to avail countless benefits and promotions, based on our joint marketing initiatives.

An instant installment plan feature enables cardholders to convert any transaction conducted at Bank Alfalah merchants to easy installments of 3 to 36 months at the time of transaction. Bank Alfalah has also introduced GPRS based mobile card acceptance machines for home delivery merchants. In addition, Ethernet POS terminals have also been installed at merchants with multiple counters to facilitate them in carrying out their day-to-day business without engaging their telephone lines.

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.
 

Acceptance at 1LINK ATMs:

Avail Cash Advance upto 75% of your credit limit at over 2200 1Link ATMs in Pakistan in addition to over 1 million ATMs worldwide.
 

Utility Bill Payments:

Now utility bill payments* can be made through Alfalah VISA Platinum credit cards either by calling the Call Center or through Direct Debit instructions.

*Available on FESCO, HESCO, GEPCO, LESCO, IESCO, KESCO, SSGC, SNGPL, PTCL & 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. 1,000 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 0800-22225 for registration.

Alfalah Life and Children Education Insurance:
Bank Alfalah is now providing Life and Children Education Insurance on Alfalah Credit Cards by making monthly, yearly or reward points based premium payments.

Call and Pay Facility:
Cardholders now have the convenience of using their cards to make payments even on locations where credit cards are not accepted by calling our 24 hours Call Center and getting pay orders issued to any third party through debit to Alfalah Visa Credit Card.

Prepaid Mobiles Top ups:
Alfalah cardholders are also being provided the facility to get their prepaid mobile connections of any company topped up by just one call to 24 hours Call.Center.Alfalah credit cardholders can also use their reward points to get the prepaid mobile top ups.

Free Supplementary Cards:
All Bank Alfalah basic cardmembers can apply for upto 6 supplementary cards.

Alfalah Credit on Phone:
Alfalah cardholders can call the Call Center and get credit upto 75% of their available credit limit assigned by Bank Alfalah or available credit limit whichever is lower at just 2% per month (24% APR). Payment of credit amount can be made to them through a cheque at the doorstep or directly into the account in Bank Alfalah.

Protection

Zero Loss Liabilityy

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 Platinum credit cards. The accidental cover value is Rs. 30 million for Alfalah VISA Platinum basic card holders.
 

Coverage

1. Death: 100%
    
2. Permanent total loss of both eyes and 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%

Step-By-Step (SBS) Monthly Installment Plan

Now you can convert any transaction amount of Rs. 3000/- 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)
   
• Cash Transactions (Domestic & International)
   
• Balance Transfer Transactions
   

How Can I Apply?

It is a simple three-step process:

1. Fill in the SBS application form-available at any Alfalah Branch or Card Centre (required only at the time of first transaction, when you apply for SBS plan.)
    
2. Call at 0800-22225 and book the transaction under SBS.
    
3. Choose from 3, 6, 9, 12, 18, 24, 30, 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 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.

Balance Transfer Facility (BTF)

Offering an easy and convenient way to settle payments on all your existing credit cards in Pakistan @ 1.5% per month (18% APR).

This rate can be reduced to an incomparable rate of 0.99% per month (upto 21.44% APR) if the Balance transfer transaction amount is converted to Step-By-Step (SBS) Monthly Installment Plan within TEN days of the transaction.

Just fill in the Balance Transfer application form available at all Bank Alfalah branches or call 0800-22225 for more information.
 

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).

Credit Cover

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

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 Alfalah VISA Platinum Card. In case of the cardholder’s death, the loved ones have no cause to worry about outstanding credit card payments. All basic cardholders up to the age of 65 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 separate forms or submit any extra applications for it. You will just be charged 0.50% of your outstanding amount in each monthly credit card statement as “Credit Cover Premium”. If you don’t require Credit Cover, then simply call our 24-hour Phone Banking Service at 0800-22225.

Cash Advance Facility

75% of your credit limit

Now you can avail Cash Advance Facility up to 75% of your credit limit, subject to availability of limit. Enjoy the benefits of this exclusive offer on your Bank Alfalah Platinum credit card. You can get cash from ATMs or cash counters of Bank Alfalah branches and other VISA member banks in and outside Pakistan.

Women Exclusive
 
A credit card exclusively for women

Now for the first time in Pakistan, Bank Alfalah has introduced a credit card exclusively for women. This card has its unique features which have been tailor-made for the women in Pakistan.
 

Liability

The liability of this card depends on what basis this card has been applied for:

• If the female is applying on her own income basis, she herself will be liable to pay for the amount spent through the card(s).
   
• If the female is a house wife and does not have any direct income source, she can apply for the card through the person responsible for the household (i.e. husband or father) who will sign an undertaking to be responsible for the amount spent through all the card(s) issued under this scheme.  
   

Supplementary cards

All Bank Alfalah basic card members can apply for supplementary cards in separate categories including Son’s Card, Daughter’s card (children who are above 13 years of age) and House Staff’s card. This feature has been introduced for the first time in Pakistan, yet another pioneering feature by Bank Alfalah Credit Cards. In addition, supplementary cards can be issued to anyone you like thus giving you complete freedom of choice.

Separate card design for each category

Each supplementary card category contains its own specific design of card. These card designs  have been specifically designed keeping in view the trends and tastes of the modern day young generation who has the desire to look exclusive in themselves. Not only can you get supplementary cards in unique designs for your son, daughter and house staff, but any other person can also enjoy this privilege using your own card design.

Separate spending limit for each category

Not only are the card designs unique, the basic card member can also assign a  separate percentage or amount of the total credit limit of the credit card account to each of the supplementary cards. So, whether it is your son who needs his monthly pocket money, or your daughter needs to make school fees payments, or your chef, chauffeur or maid is usually the one who buys all the groceries it is you who will decide how much credit each of them gets for it.

Control over household expenses

Alfalah VISA credit card helps in controlling your household expenses, that is why it is the best suited card available in the market. By using this card, you can:

• Control your son and/or daughter’s spending habits.
   
• Control your household expenses by giving a supplementary card to your house staff responsible for day to day shopping.
   
• Forget about the need to keep a record all the time of each expense made from your household budget, your monthly statement will show the detail of each transaction.
   
• Give cards to children with fixed spending limit and feel free of the tension of giving them allowances and monitoring their spending habit.

Buy your dreams online

Alfalah VISA Platinum Credit Card usage on the Internet

If you want to shop through Internet with Alfalah VISA Platinum credit card, just call at our Toll Free number 0800-22225 and get this facility activated on your card.

Security - in case used on the Internet

In case you need to use your card on the Internet, your card will be activated on receiving a call from you at 0800-22225. Your Alfalah Platinum Card’s Internet usage facility will be activated for a limited time period as per your instruction, after which system will automatically close this facility to avoid any misuse. You can get this facility activated again anytime when required.

If you often use your credit card on the Internet and want to keep this facility active permanently, just send a written request with your signatures to “Bank Alfalah Consumer Finance Division, 8-Ali Block, New Garden Town, Lahore.” or drop it into any drop box available in all Bank Alfalah branches.

NOTE: Bank Alfalah will not be responsible for any misuse of your credit card on the Internet.

Reward Yourself

Your Fortunes

For every Rs. 50 you spend on your Alfalah VISA Card, you will earn 1 Fortune point. Your accumulated Fortune points can be exchanged for a whole range of items displayed in our Fortunes Catalogue. It offers a wide range of lifestyle categories catering to your own and your family’s taste.

Redeem your Fortune Points

Once you have accumulated enough points to redeem the gift of your choice, fill out a simple form available at all Bank Alfalah Branches or call our Toll Free Help Line at 0800-22225 and order the item of your choice. The Redemption Certificate will be delivered to you at your billing address. The reward item requested for will either be sent along or the redemption certificate will contain further instructions on your reward.

Points’ Expiry

All accrued points will expire and will no more be available for use if not utilized within 2½ years of the statement date. For more details please review the FAQs and Terms & Conditions given in the Fortunes Rewards Catalogue or our website.

FTO (Fast Track Option)

In case you don’t have sufficient points or you want to save some points for another reward, you can make use of this option. A reward that has been marked as FTO is redeemable against a combination of Fortune points and rupee payment.

To avail the FTO facility, all you
need to do is:

Step-1  Simply choose the reward of your choice that has been marked FTO in the catalogue.

Step-2  Accumulate the points indicated in the FTO Grid.

Example:

For a Coffee Maker from Black & Decker of item code# BD05, you need to accumulate 3,650 points only.

The rupee contribution for the reward i.e. Rs. 1,095 would be posted as a charge on to your Card account which will reflect in your next Monthly Account Statement.

Reward Points Transfer

We offer a new facility for your benefit allowing  points from two or more basic cardholders to be combined for redemption 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.

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 0800-22225 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 credit card. For any queries related to your Bank Alfalah VISA Platinum Card, please contact our Toll Free No. at 0800-22225.

How to use your Card

Your Alfalah VISA Platinum Card is accepted at over 27 million physical locations in more than 150 countries around the globe, with more than 22,000 establishments in Pakistan.

• Your Alfalah VISA Platinum Card is welcomed at all merchant outlets displaying  VISA/PLUS sign in Pakistan and around the world.
   
• To make payment, present your Alfalah VISA Platinum 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.

Cash withdrawals

AT ATMs & CASH COUNTERS

Now, your Alfalah VISA credit card gives you easy access to cash

24 hours a day, 7 days a week through ALFALAH ATMs!

• Alfalah VISA Platinum Card can be used on more than 1 million ATMs around the world to withdraw any amount upto 75% of your Credit Limit.
   
• Insert your Alfalah VISA Platinum Card in the ATM slot.
   
• VISA screen will appear.
   
• Enter your ATM PIN
   
• Enter the desired amount to withdraw.
   
• Take your VISA Card and amount withdrawn.

You also have the option of withdrawing the cash by requesting an Over -the -Counter cash withdrawal at all VISA member financial institutions worldwide, or at any of the Bank Alfalah branches.

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 (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 reference and convenience.
   
• Fortunes Rewards Summary:
   
  This indicates the detail of fortune points - carry forward, earned this month, adjustments, redeemed and available points.
   
• Examine your Card statement and immediately inform the bank of any irregularity or error in your statement.
   

Protect your Card

In case your card is lost or stolen or your PIN is disclosed, you just need to immediately report the loss by calling the Bank Alfalah Toll Free 0800-22225, 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 Platinum 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 of Rs. 500 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.
 

Choosing  PIN:

1. Do not use a number or numbers that can obviously be associated with you - for instance your telephone number, birthday, your street number, driving license number or popular number sequences (such as 786 or 2008 or 1111).
    
2. Ideally choose a random combination of numbers this is the hardest for a criminal to guess. If this is difficult for you to remember then perhaps use a combination of double numbers e.g.99 along with two others that have some meaning for you.
    
3. Change PIN number at frequent intervals.

Keeping Your PIN a Secret:

1. Do not allow anyone else to use your card, PIN or other security information.
    
2. Always memorize your PIN and other security information. If the PIN you are provided with is difficult to remember, change it to something more memorable at an ATM as soon as possible.
    
3. Always take reasonable steps to keep your card safe and your PIN secret at all times. Neither your bank nor any agency is authorized to ask you to disclose your PIN.
    
4. Never write down or record your PIN or other security information on card or at a place easily accessible by others.

Precautions While Using ATMs (Automated Teller Machines):

Automated Teller Machines (ATMs) provide a fast and convenient banking alternative for account holders. You can bank when you want and where ever you want because locations are so convenient. In order to mitigate risks of theft & frauds, we  are providing these ATM safety tips to help protect you and your account.

Remember, ATM theft can occur in two ways:

1. Unauthorized withdrawals from an account or
    
2. The physical theft of cash as a person completes a transaction.

The following advice for cardholders using cash machines will help minimize the chances of becoming a victim of such incidences.
 

Choosing an ATM:

1. Always observe your surroundings before conducting an ATM transaction. If you see anyone or anything that appears to be suspicious, cancel your transaction and leave the area at once. If there is anything unusual about the cash machine, or there are signs of tampering, do not use the machine and report it to the bank immediately.
    
2. After dark, only use ATMs that are well-lighted.
    
3. If possible, choose a machine in a busy area. A heavily trafficked location means additional security.
    
4. If you are followed after using an ATM, seek a place where people, activity and security can be found.

Using an ATM:

1. Use your body to block the view of your transaction. Especially as you enter your PIN and take your cash. If necessary, ask a person to leave, even if that person is just curious. If the ATM is in use, give the person using the machine the same privacy you expect. Allow them to move away from the ATM before you approach the machine.
    
2. Do not accept help from strangers and never allow yourself to be distracted.
    
3. Please call our Toll Free 0800-22225 for customer support.
    
4. While paying the utility bills on ATM, check the transactions details with the billed amount, customer ID on original bill. Keep the transaction slip safe so that it can be referred to if the paid amount appears as arrears in next billing cycle.
    
5. Focus your attention on ATM screen and take due care in the selection of buttons (touch the parallel area in case the screen is sensor one) to ensure the execution of desired transaction/funds transfer. Before pressing/touching the keyboard button enter the required information cautiously. If you pressed/touched the wrong button then transaction reversal is not possible.
    

Leaving an ATM:

1. After completing your transaction, remember to take your card back.
    
2. Once you have completed a transaction, discreetly put your money and card in your pocket before leaving the cash machine. Do not count cash at ATM machine.
    
3. If the cash machine does not return your card, report its loss immediately to your bank.
    
4. Don't discard your receipts and mini-statements or balance inquiry slips which contain important information. You get a receipt every time you make an ATM transaction.
    
5. Tear up or preferably shred your cash machine receipt, mini-statement or balance enquiry when you dispose them of.

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 possible internet frauds, persuasive and attractive traps of hackers.
    
2.  
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.  
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, including your PIN. 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 the same way you protect your Card PIN. 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 PIN, 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 card holder.
    
3. Be wary of responding to e-mails requesting information. If in doubt, ask for proof of identity or undertake your own checks. Never disclose your PIN to anyone.
    
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:
     
    1. Technical problems, card issuer errors, and other system malfunction.
        
    2. Unauthorized use of a card and PIN 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 or the cardholder has reported that the PIN may be known to someone other than the cardholder.

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.  

When Making Transactions through Call Centers/IVRs:

1. Dont 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 (not your PIN code), 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 youve 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, for example, by keeping their PIN written down with their card, they 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. UNDER NO CIRCUMSTANCES SHOULD YOU DISCLOSE YOUR PIN CODE TO ANYONE FOR ANY REASON.

Card Safety

Ensure its 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 Toll Free at 0800-22225 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 us, 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.

To protect ATM usage, you are also requested not to disclose your PIN to anyone at any point in time, even when you have already sent us a cancellation request for your card..

Schedule of Charges 

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