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

1. What is the Alfalah HilalCard?
    
   Alfalah HilalCard is a debit card that gives you access to your bank account. Alfalah HilalCard allows you to purchase goods at merchant establishments across Pakistan and abroad and also gives you the freedom to withdraw cash from any VISA/ Electron/PLUS ATMs in Pakistan and abroad, and all local 1-Link and MNET ATMs. It can also be used for the payments of Utility bills and Alfalah credit card bills.
    
    
2. Which accounts are eligible for the Alfalah HilalCard?
    
   The Alfalah HilalCard comes with all savings and current accounts except Non-Resident (ordinary) accounts and accounts with joint mandate or conditional mandate. However, accounts with joint / conditional mandate can obtain the Alfalah HilalCard on request by completing the required formalities.
    
    
3. What are the benefits of being an Alfalah Hilal Cardholder?
    
   The main benefit of being an Alfalah HilalCardholder is that you enjoy unparalleled access to your account - whenever you want, wherever you go. Besides, you can control your finances since your spending limit is determined by the balance in your account. Alfalah HilalCard is accepted at more locations worldwide than any other debit card available in Pakistan. It can also be used for the payments of Alfalah credit card bills.
    
    
4. What transactions can I carry out on ATMs using my Alfalah HilalCard?
    
   You can now inquire your balance, withdraw cash make utility bill and Alfalah credit card bill payments using ATMs.*
    
    * Different ATMs have varying maximum limits for cash disbursement per transaction. Please check the ATM screen for the same.
    
    
5. Do I have free access to other Bank's ATMs?
    
   YES - you can use all Bank Alfalah ATMs, local 1 Link and MNET ATMs and all other Bank's 1 million ATMs worldwide on the VISA Electron network for cash withdrawals*. *Subject to maximum cash withdrawal limit (Rs. 1,00,000/- per day on Gold HilalCard and Rs. 50,000/- per day on Classic HilalCard)
    
    
6. Which outlets will accept my Alfalah HilalCard?
    
   Your Alfalah HilalCard is welcomed at all merchant establishments and ATMs that accept VISA/Electron cards in Pakistan and abroad having self-printing POS terminals. Presently, the card can be used at over 22,000 establishments in Pakistan and at over 27 million outlets worldwide, where the VISA sign is displayed. The card is also welcomed at over 1 million ATMs worldwide.
    
    
7. What is unique about the Alfalah HilalCard?
    
   There are several unique features in the Alfalah HilalCard.
    
   1. Widest access across the globe.
       
   2. Signature based transactions on all self-printing POS terminals on the VISA network worldwide.
       
   3. PIN Based ATM transactions for added security.
       
   4. Accepted at more locations than any other debit card in Pakistan.
       
   5. Used for credit card bill payment.
       
       
8. Can I pay utility / credit card bills through Hilal Card?
    
   In order to facilitate our customers, Alfalah credit card bill payment can also be made through HilalCard on Alfalah ATMs. In future, Alfalah Hilal Card would be used for utility bills payments through Call Centre, Direct Debit instructions, ATMs, POS Terminal, Internet, IVR and Mobile Phone.
    
    
9. What is the mode of payment for an Alfalah HilalCard?
    
   Your account will be instantly debited to the extent of purchases made or the amount withdrawn from ATMs in addition to other charges on Alfalah HilalCard.
    
    
10. What is the procedure to be followed in case I loss my HilalCard?
     
    It is important that you report the loss of your card immediately by calling Bank Alfalah Call Center 111-225-111. It is also advisable to report the loss in writing to the Bank Alfalah Cards Division.
     
     
11. If I misplace my Alfalah HilalCard, how can I prevent the misuse?
     
    Once you report the loss of your Alfalah HilalCard to the Bank, your card will be "hot listed" and you are protected from losses due to misuse. If you are traveling overseas and need to report your lost card immediately, you can call VISA Electron Global Assistance numbers mentioned in the welcome guide. Please ensure that you NEVER keep your Alfalah HilalCard and PIN together.
     
     
12. Do I have to pay any charges for replacement of my lost Alfalah HilalCard?
     
    There will be a nominal charge of Rs.200 for replacement of the card.
     
     
13. What is the maximum amount of payments I can make with my Alfalah HilalCard?
     
    The maximum amount of payments that you can make on a daily basis depends on the available balance in your account and is subject to a maximum limit of Rs.50,000 for cash and Rs. 50,000 for retail transactions on Classic HilalCard (total limit of Rs. 100,000 per day) and maximum limit of Rs. 100,000 for cash and Rs. 100,000 for retail transactions on Gold HilalCard (total limit of Rs. 200,000 per day), also defined in the Schedule of Charges.
     
     
14. Will I be able to use my Alfalah HilalCard in other countries as well?
     
    Yes, Your Alfalah HilalCard is welcomed at over 27 million merchant establishments and over 1 million ATMs worldwide that accept VISA Electron Cards.
     
     
15. Will I be able to use my Alfalah HilalCard at petrol stations?
     
    You can use your Alfalah HilalCard at all petrol stations that accept VISA Electron Card.
     
     
16. What is the validity period of my Alfalah HilalCard?
     
    Your Alfalah HilalCard is valid for 3 years from the date of issue.
     
     
17. Can I exceed my credit limit?
     
    Your credit limit is equivalent to the available balance in your account. If you have multiple accounts with Bank Alfalah Limited, the default account that you have designated in the application form will be used only.
     
    
    • Daily transaction limit is up to Rs. 50,000/- for Classic HilalCard and Rs. 100,000/- for Gold HilalCard.
       
    • Daily cash withdrawal limit is Rs. 50,000/- incase of Classic HilalCard and Rs. 100,000/- incase of Gold HilalCard.
      
      Please note that different ATMs have varying maximum limits for cash disbursement per transaction.
      
       
18. What do I do with my current Bank Alfalah ATM card?
     
    Your existing card will be disabled one month after you receive the new Alfalah HilalCard. Please cut the ATM card in four pieces and dispose it off properly.
     
     
19. How will I know if an establishment accepts my Alfalah HilalCard?
     
    The member establishment will display the VISA/ELECTRON signs. If not, please enquire over the merchant counter whether they accept the VISA Electron Card before you make a transaction.
     
     
20. Can I access unclear funds also?
     
    No, only cleared funds can be accessed.
     
     
21. How much time will the transaction take?
     
    The average transaction time is 10-45 seconds.
     
     
22. Do I need to retain my copy of the charge slip?
     
    It is advisable to retain and verify your charge slip against account statement.
     
     
23. How can I handle a change in my address?
     
    You can inform us of your new mailing address by either sending a written request to Alfalah VISA Customer Service, or by calling our Call Center at 111-225-111.
     
     
24. What if I have a discrepancy / error on my account statement?
     
    If you notice any error or discrepancy in your account statement, report the matter to our Customer Service urgently. In order to check statement entries, retain all your sales slips and printed receipts to keep a track of all your transactions.
     
     
25. How I can change my Account type?
     
    You can contact your branch for change in your Account type. If you want to change your account number on Debit Card the please contact to your respective branch.