The Alfalah HilalCard can be used electronically at any retail outlet or ATM that accepts VISA cards and displays these logos:

Personal Identification Number (PIN):

Debit cards that are currently available in Pakistan require the card member to enter the PIN number in order to complete a transaction. The Alfalah HilalCard is a "One-Swipe Card" and does not require you to remember any PIN in order to execute retail transactions. The PIN which will be delivered to you for Visa Electron will be required for ATM based transactions only.

Special POS Machines:

In order to use other debit cards currently in the market you would need to find outlets that carry special POS machines where these cards can be used. Alfalah HilalCard is accepted at all outlets displaying the VISA/Electron logo worldwide and having self-printing POS terminals.

To be used for Alfalah HilalCard	Not to be used for Alfalah HilalCard

Global Acceptability:

The Alfalah HilalCard is globally accepted welcomed at all locations displaying the VISA/ ELECTRON/PLUS logos with self-printing POS terminals. Your card is accepted at nearly 29 million physical locations in more than 150 countries round the globe with above 27,000 major establishments in Pakistan.

With your Alfalah HilalCard, you can pay for shopping, meals, travel, entertainment, holiday, petrol and much more. Also it gives you access to ready cash through your PIN (Personal Identification Number) at more than 1.2 million ATMs to withdraw any amount up to your available bank account balance. This premier card service is a convenient point-of-sale alternative for ATM cardholders who do not qualify for Visa credit purchasing power. Through Alfalah HilalCard, you can access your Bank Alfalah's account from anywhere in the world.

24-Hour Customer Service

Our 24-Hours Customer Service is there to help you with your requests. Our well-trained and qualified Customer Service team can be contacted at UAN 111-225-111.

They will assist you in:

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. In order to assist card members, all transactions will be converted to Pak Rupees for payment. This conversation 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.

Zero Loss Liability:

If ever you 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.

No Minimum Income Requirement:

Unlike other Cards, the Alfalah HilalCard is easy to obtain. There is no preset income requirement to enjoy the benefits of this fast, convenient and safe. All you need to do is open and maintain an account with any of the branches of Bank Alfalah Limited.

Simplicity:

Charge goods and services to your Alfalah HilalCard at all point-of-sale terminals with self-printing ability displaying VISA / Electron sign in Pakistan and abroad.

Flexibility:

With Alfalah HilalCard you may withdraw cash from over 1.2 million ATMs (Automatic Teller Machines) worldwide. You no longer need to worry about whether you'll make it to the bank before closing time, because ATMs never close - they are open 24 hours a day, 7 days a week, 365 days a year.

Promptness:

Using Alfalah HilalCard at ATMs and / or shops requires less time than queuing in the Bank and writing out checks.

Controlled Spending:

All Alfalah HilalCard transactions are subject to authorization, which means whenever you do a transaction the status of your account is checked. Thus you eliminate the risk of spending the money you don't have - you yourself control your account.

Overview of Expenses:

Each single charge and each withdrawal of cash at ATM made using your Alfalah HilalCard shall be clearly itemized on your bank statement enabling you to easily check the status of your account.

Immediate Payment:

With Alfalah HilalCard you pay your bills immediately unlike when you use a Credit Card and get the bill later. The amount is directly debited from your designated Current/Savings account.

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

Utility Bills Payment
Customers can make their utility bills payments through Alfalah HilalCard on Alfalah ATMs. In future, Alfalah HilalCard would also be used for utility bills payments through Call Centre, Direct Debit instructions, POS Terminal, Internet, IVR and Mobile Phones.

Credit Card Bill Payments
In order to facilitate our customers, Alfalah credit card bill payment can also be done through HilalCard on Alfalah ATMs.

Bank Alfalah Debit Cards
New ATM features

1. Inter-Branch Fund Transfer Features;

• Open Ended Fund Transfer: Bank Alfalah HilalCard holders can now use Bank Alfalah ATMs to transfer funds from any of their linked checking accounts (linked to their Debit-Card) to any Bank Alfalah Branch account in Pakistan. Customer will simply enter Beneficiary account and amount to transfer on the ATM screen. Cardholder is given the option to re-confirm or cancel fund transfer before the transaction is executed.

• Link 10 Accounts to a Single Card: Bank Alfalah HilalCard holders can now link up to TEN checking-Accounts (Own Accounts) from any / different Bank Alfalah Branches on to a Single Debit Card.

• Per Day Transfer Limit*: Daily Transfer Limit for Bank Alfalah Debit Card holders is set to Rs. 250,000/.

• Per Transaction Limit*: Bank Alfalah HilalCard holders can transfer the entire Daily-Transfer-Limit (250,000/-) in a single transaction

• Fee: Bank Alfalah HilalCard holders will be charged Rs.25/- fee per IBFT transaction.

2. Inter-Bank Fund Transfer Features
(Fund Transfer between 1-Link Member Banks):

• Inter-Bank Fund Transfer : Bank Alfalah HilalCard holders can now transfer funds (From any of their linked accounts) using Bank Alfalah ATMs, to a bank account in any 1-Link member bank, by simply selecting the 1-Link Member Banks displayed on the ATM screen and then entering the
  Beneficiary Account Number and Amount to be transferred. Beneficiary Account Title and Amount to be transferred appears on ATM Screen. Cardholder is given the option to re-confirm or cancel inter-bank fundtransfer (before the transaction is executed)

• 1-Link Member Bank: Card holders (Using their respective Bank ATMs) can now transfer funds (From their Linked accounts) to any Bank Alfalah checking Accounts in Pakistan.

• Per Day Transfer Limit*: Daily Transfer Limit for Bank Alfalah Debit Card holders is set to Rs. 250,000/-

• Per Transaction Limit*: Bank Alfalah HilalCard holders can transfer the entire Daily-Transfer-Limit (250,000/-) in a single transaction

• Fee: Bank Alfalah HilalCard holders will be charged Rs.25/- fee per IBFT transaction.

* Transfer Limit: Transfer Limits will be the total of Inter Branch & Inter Bank Funds transferred by the Card Holder using Bank’s ATMs during the day.

3. Utility Bill Payments on Bank Alfalah ATM’s

We now entertain the following Utility Bills Payments on Bank Alfalah ATMs country-wide with NO additional charges during the initial phase:

• Gas Bill Payment: SSGC and SNGPL

• Electricity Bill Payment: KESC and LESCO

• Mobile Bill Payment: WARID (With top-up) and UFONE (With top-up)

4. Cash Deposit (CDMs)

Alfalah HilalCard holders can deposit cash in real-time to any of their linked Accounts using Bank Alfalah CDMs (Cash Deposit Machines) which automatically recognize the following notes:

• Rs. 5000/-

• Rs.1000/- (Old and New Currency Format)

• Rs. 500- (Old and New Currency Format)

• Rs. 100/- (Old and New Currency Format)

• Rs. 50/- (Old Currency Format, The template for New note is in progress)

No fees will be charged on Cash Deposit.