Shopping - Local and International Usage

Alfalah HilalCard is accepted at over 29 million physical locations in more than 150 countries around the globe, with more than 22,000 establishments in Pakistan

• Your Alfalah HilalCard is welcomed at all merchant outlets with self-printing terminals that display the VISA/ ELECTRON sign in Pakistan and around the world.

To make a payment, present your Alfalah HilalCard at the time of making the payment and inform the cashier of your mode of payment.
The merchant establishment will 'swipe' your Alfalah HilalCard on the self-printing terminal. Please ensure that the merchant does not use a manual imprinter or POS machine without self-printing option.
The POS terminal will generate a 'charge slip'. The merchant establishment will request you to sign the charge slip.

• When your purchase transaction is complete, the transaction amount will immediately be debited to your Bank Alfalah designated account.
  

Purchase Limit

Your purchase limit is equivalent to the available balance in your account. Please note that if you have multiple accounts with Bank Alfalah Limited, only the default account that you have designated in the application form will be used. Moreover, your daily transaction limit is up to Rs. 50,000/- on cash and Rs. 50,000/- on retail transactions in case of Classic HilalCard and in case of Gold HilalCard, upto Rs. 1,00,000/- on cash and Rs. 1,00,000/- on retail transactions.

Do's

• Keep an eye on your HilalCard at any merchant outlet; always ensure that your Card is within sight. The merchant's personnel should swipe your HilalCard once on the self printing POS terminal and not on any other devices. Should you feel anything suspicious, speak to the manager at once.
  
• While using your HilalCard at any merchant establishment, ensure all details have been entered correctly and completely before signing the charge slip.
  
• Always use the same signature as that on your HilalCard.
  
• Retain your copy of the charge slip for future reference.
  
• After using your HilalCard at the merchant establishment, please ensure that the card returned to you belongs to you.
  

Don'ts

• DO NOT use your HilalCard at merchants with paper imprinters/POS terminals without self printing option or for Mail, Telephone and Internet transactions.
  
• DO NOT use your HilalCard at hotels during check in for "blocking the amount" as done for Credit Cards.
  
• DO NOT use HilalCard where advance payment is required even before completion of the purchase transactions / services as it will not be refunded.
  
• DO NOT use HilalCard for internet transactions.