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How to Earn Orbits

Orbits:

Every time you bank through any of the listed products or services you earn points called Orbits.

Bonus Orbits:

You get Bonus Orbits whenever you sign up for a new Bank Alfalah product or service.

Tier Bonus:

The number of Bank Alfalah products you hold will allow you to earn a multiplier on your total monthly Orbit earning.

What are Tiers?

Bank Alfalah Orbit Rewards programme has 4 tiers. Basic Tier, Orbit 3, Orbit 6 and Orbit 9. Once you’re a member you can move up tiers by signing up more products. Each tier multiplies your earned orbits in a month on a monthly basis.

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How to Redeem Orbits

How to Redeem Orbits

Product Category Sub-Products Orbits Earn
Credit Icon
Credit Cards
(Fee Based Cards Only)		 Classic 1 Orbit / Rs.200 domestic or international spend.
Gold

1 Orbit / Rs.200 domestic spend
2 Orbits / Rs.200 domestic e-com spend on Optimus
2 Orbits /Rs.200 international spend
Titanium & Optimus
Platinum
Premier Platinum

1.60 Orbits / Rs.200 domestic spend
2 Orbits / Rs.200 international spend
Credit Icon
Credit Cards (Free-for-Life)

1 Orbit / Rs.400 domestic spend
1 Orbit / Rs.200 international spend
Credit Icon

Debit Cards

 Classic 1 Orbit on every POS spend of Rs.400/-
Gold
Paypak
Platinum
Visa Signature 1.60 Orbit on every POS spend of Rs.400/-
Premier Visa Signature
Deposit Account Icon

Deposits

 Current Account Orbits will be awarded on maintaining and growing of monthly average balance as per the following bands.
Current Account 
Average Balance Band Balance Maintenance Award Balance Band Jump Award (3x)
0 – 100k – –
100k – 500k  50 150
500k – 1M 125 375
1M – 3M 250 750
3M – 10M 500 1500
10M+ 1,000 3,000
  • If monthly average balance increases from one band to next band, then Band Jump will be awarded which is 3x of the maintenance award.
  • Band jump bonus will be awarded one time for each particular band in a year.
  • Jump Bonus Cap: 5,775 Orbits
Savings Account Orbits will be awarded on maintaining and growing of monthly average balance as per the following bands.
Savings Account 
Average Balance Band Balance Maintenance Award 3x Band Jump Award
0 – 100k – –
100k – 500k  10 30
500k – 1M 15 45
1M – 3M 20 60
3M – 10M 30 90
10M+ 75 225
  • If monthly average balance increases from one band to next band, then Band Jump will be awarded which is 3x of the maintenance award.
  • Band jump bonus will be awarded one time for each particular band in a year.
  • Jump Bonus Cap: 450 Orbits
FCY Current & Savings Account Orbits will be awarded on maintaining and growing of monthly average balance as per the following bands.
Current/Saving Account 
Average Balance Band Balance Maintenance Award Balance Band Jump Award (3x)
0 – 100k – –
100k – 500k  10 30
500k – 1M 15 45
1M – 3M 20 60
3M – 10M 30 90
10M+ 75 225
  • If monthly average balance increases from one band to next band, then Band Jump will be awarded which is 3x of the maintenance award.
  • Band jump bonus will be awarded one time for each particular band in a year.
  • Jump Bonus Cap: 450 Orbits
  • Average balance for FCY is equivalent to PKR as per prevailing rates.
Digitalbanking Icon

Digital Banking

 Internet Banking 25 Orbits will be awarded for 10 or more financial transactions across all digital channels per month
Alfa (Mobile App)
SMS Alerts
Product Category Sub-Products Earn Orbits on Sign-up
Credit Icon
Credit Cards
(Fee Based Cards Only)		 Classic 50 Orbits
Gold 100 Orbits
Titanium & Optimus
Platinum 250 Orbits
Premier Platinum 400 Orbits
Credit Icon
Debit Cards		 Classic 50 Orbits
Gold 100 Orbits
Platinum 250 Orbits
Signature 400 Orbits
Premier Signature
Deposit Account Icon
Deposits		 Current Account 50 Orbits
Premier Current Account 100 Orbits
Savings Account 50 Orbits
Premier Savings Account 100 Orbits
Loansproducts Iocn
Loans Products		 Home Loan 1,000 Orbits
Auto Loan 500 Orbits
Personal Loan 250 Orbits
Bancassurance Icon
Bancassurance		 Bancassurance (BAFL Branches Only) Rs. 1 – 49,999 – 200 Orbits
Rs. 50,000 – 99,999 – 300 Orbits
Rs. 100,000 – 249,999 – 500 Orbits
Rs. 250,000 – 499,999 – 1,000 Orbits
Rs. 500,000 – 999,999 – 1,500 Orbits
Rs. 1,000,000+ – 2,000 Orbits
Digitalbanking Icon
Digital Banking		 Internet Banking 25 Orbits
Mobile App
SMS Alerts (Fee Based Branch Banking SMS Alerts)
Investmentproducts Icon
Investment Products		 Investment Products (BAFL Branches & Alfa App Only) Rs.100k-2.99M – 500 Orbits
Rs.3M – 9.99M – 1,000 Orbits
Rs.10M+ – 2,500 Orbits
Tier Eligibility Benefits Maximum Monthly Award
Orbit Log Any Bank Alfalah product except current or savings account or a current or savings account and less than 3 products As per the eligible product rules -
Orbit Logo 3 Current or Savings Account + any 3 eligible products 10% of accumulated Orbits earned in a month 75 Orbits
Orbit Logo 6 Current or Savings Account + any 6 eligible products 25% of accumulated Orbits earned in a month 350 Orbits
Orbit Logo 9 Current or Savings Account + any 9 eligible products 100% of accumulated Orbits earned in a month 2500 Orbits

 

In addition to the Orbits you earn on each product, you can earn a multiplier on the total number of Orbits earned depending on the number of products you hold with the bank. All you need is a current or savings account and a combination of 3, 6 or 9 products to earn a bonus of 10%, 25% or 100% of the total Orbits earned during a month.

Tier bonus awards and downgrades are added at the start of each month. Grace period if the customer reduces/cancel number of products: 3 months