Bank Alfalah Orbit Rewards is a brand new way to bank with us. This is no ordinary loyalty programme. Here we call points ‘Orbits’ and you can earn them across multiple products. You are no longer limited to earning Orbits just on credit cards.
In fact you can earn them on current and savings accounts, debit and credit cards, auto, personal and home loans, Investment products, Bancassurance, SMS alerts and transactions through branches, Alfa (mobile app) and internet banking, all at the same time.
And that’s not even the best part. Multiple ways to earn means more Orbits to spend. Choose from a wide range of gadgets and appliances from alfamall.com, instantly redeem orbits on BAFL POS terminals or just pay your bills through Alfa app. We promise to send you into Orbit!
Orbit Rewards is Bank Alfalah’s loyalty program that gives you Orbits every time you bank with us. From everyday transactions to product sign-ups, you collect Orbits that can be redeemed for shopping, travel, donations, bill payments, and much more. The more products you hold, the higher your bonus. Orbit Rewards is simple, flexible, and built entirely around your lifestyle.
Customers maintaining relationships with multiple products are eligible for additional bonus Orbits as per the below tiers:
|
Tier |
Eligibility Criteria |
Bonus Orbits Earned |
|
Orbit |
Product holdings without Current or Savings Account or less than 3 eligible products holdings with Current/ Savings Account |
0% |
|
Orbit 3 |
Current or Savings Account - Maintaining 3 eligible products |
10% bonus Orbits (up to 75 Orbits/month) |
|
Orbit 6 |
Current or Savings Account - Maintaining 6 eligible products |
25% bonus Orbits (up to 350 Orbits/month) |
|
Orbit 9 |
Current or Savings Account - Maintaining 9 eligible products |
100% bonus Orbits (up to 2,500 Orbits/month) |
Note:
-
Customers’ product holdings are assessed at month-end.
-
If a customer becomes eligible for a higher tier, it will be effective for the next 3 months, regardless of whether product holdings reduce in the interim.
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If the customer no longer meets eligibility after 3 months, the tier will be downgraded accordingly.
Merchant List
1. What is Alfalah Orbit Rewards?
Alfalah Orbit Rewards is Bank Alfalah’s loyalty program that rewards you on your entire banking relationship with us. As a customer, you can earn points on your debit card, deposit accounts, car ijarah, musharaka home finance, mobile application, bancatakaful or an investment policy. You can also earn monthly tier awards as a multiplier on your total points earned based on the number of products you hold with us.
Your accumulated points (Orbits) can be redeemed for items from our extensive online rewards catalogue and making bill payments on mobile application. You can even transfer Orbits to others Islamic customers.
2. What are Orbits?
Orbits is the name of the rewards currency or points that you can earn across various Bank Alfalah products.
3. What customer types are eligible for Alfalah Orbit rewards?
All Bank Alfalah individual customers and/or sole proprietors will be eligible for Alfalah Orbit rewards.
4. How do I enroll for Alfalah Orbit rewards program?
If you are an individual customer and/or a sole proprietor who has an eligible Alfalah Orbit Rewards product, you are automatically enrolled in the program
5. What are the eligible products for Alfalah Orbit rewards?
A list of eligible product types is detailed below.
|
Product Type |
Islamic |
|---|---|
|
Current Accounts |
|
|
Current Asaan Digital Account |
|
|
Current Account LCY |
|
|
Basic Banking Account |
|
|
Current Asaan Account |
|
|
Alfalah Islamic Asaan Digital Remittance Account |
|
|
Alfalah Islamic FCY Current Account |
|
|
Alfalah Islamic Freelancer Digital Account |
|
|
Saving Accounts |
|
|
Saving Asaan Digital Account |
|
|
Falah Mahana Amdani |
|
|
Musharaka Saving Account |
|
|
Falah Classic Saving Account |
|
|
Falah Business Account |
|
|
Saving Asaan Account |
|
|
Savings Account AIBWP |
|
|
Savings Account AIBW |
|
|
Alfalah Islamic Asaan Digital Remittance Account |
|
|
Alfalah Islamic Freelancer Digital Account |
|
|
Falah Asaan Women Digital Account |
|
|
Alfalah Islamic Women Account |
|
|
Alfalah Islamic FCY Saving Account |
|
|
Debit Card |
|
|
Classic |
|
|
Gold |
|
|
Visa Signature / PowerPack |
|
|
Premier Visa Signature |
|
|
Financing |
|
|
Car Ijarah |
|
|
Home Musharaka |
|
|
ADC’s |
|
|
Alfa Mobile App |
|
|
SMS Alerts (Fee Based Branch Banking SMS Alerts only) |
|
|
Bancassurance |
All Banca policies via branches |
|
Wealth Management |
All investment policies via branches |
6. Which program will I be part of if I have eligible products from both Islamic banking and conventional banking?
If you have eligible products from both conventional banking and Islamic banking you will simultaneously be part of two programs – Alfalah Orbit Rewards & Alfalah Orbit Rewards – Islamic. You will be able to earn Orbits independently on both products which will be pooled separately under the respective reward program.
7. What is the worth of 1 Orbit?
1 Orbit is equal to Re 1/-.
8. How long are my Orbit points valid for?
Orbit points earned will remain valid for 24 months calculated from the end of the month.
9. Is there an expiry date or period for Orbits earned?
Yes, Orbits (points) will expire in 24 months. Orbits earned during January 2025 will expire on 31st January 2027.
10. How can I find out how many Orbits I have earned?
To inquire about your available Orbits, you can logon to Internet Banking / Alfa mobile application / contact BAFL Helpline or visit ATM.
11. I don’t receive SMS alerts on redemption? How do I enroll for Orbit redemption alerts?
Simply sign-up for any SMS alert facility on your account and you will start receiving Orbit redemption alerts on real time basis.
12. When are SMS alerts sent for Orbits?
If you are subscribed to the service, you will receive real-time Orbit alerts on redemptions.
13. In-case the Orbits earned are not reflecting correctly, what do I do?
In-case of any discrepancy, please contact BAFL Helpline and register a Orbit complaint at customercomplaint@bankalfalah.com.
1. What is Orbit 3, Orbit 6 and Orbit 9?
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 saving 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 |
Eligibility |
Benefits |
Maximum Award |
|---|---|---|---|
|
Alfalah Orbit Rewards |
Any combination/number of product holding ineligible for upgrade |
Orbits awarded as per the individual product rules |
|
|
Orbit 3 |
Current or Saving Account + any 3 eligible products |
10% of accumulated Orbits earned in a month |
75 Orbits |
|
Orbit 6 |
Current or Saving Account + any 6 eligible products |
25% of accumulated Orbits earned in a month |
350 Orbits |
|
Orbit 9 |
Current or Saving Account + any 9 eligible products |
100% of accumulated Orbits earned in a month |
2500 Orbits |
2. How do I increase or jump tier?
By signing up for eligible products you can jump tier immediately. There is also no restriction in jumping from Alfalah Orbit to Orbit 6 directly on opening the right number of eligible products.
3. How can I find out in which tier do I belong to?
You can logon to Internet Banking / ALFA, view Orbit e-Statement or by calling the Call Center.
4. I have just closed one/some of my products with Bank Alfalah, will I be downgraded to a lower tier?
You will remain in the particular tier for 3 months and earn the tier multiplier during the period giving you a chance to start another relationship to maintain your tier status.
5. I have a joint account – will I still earn Orbits on my joint account?
Points will only be awarded on either or survivor accounts. Jointly held accounts where two or more signatories are required to sign for operation of account are not part of the Orbit rewards program.
6. How do Orbits work for joint accounts?
If there are two joint account holders, both will be able to see Orbits earned on the joint account and any one can use them either partially or fully.
7. What type of financial transactions on ADC’s are eligible for earning Orbits?
If you do 10 or more of the following type of transactions in a month, you will be awarded Orbits on ADC’s
|
Channel |
Transaction |
|---|---|
|
Internet Banking/Alfa |
Bill Payment/Merchant Payment/Donation Third party funds transfer IBFT Credit card payment |
10. How do I earn Orbits on Debit Card Spend?
On Debit Cards, you earn 1 Orbit on multiple of PKR 400 Spend.
“For e.g. Zero Orbits till PKR 399 spend, 1 Orbit from PKR 400 – 799 spend.”
11. What is the minimum Investment Amount for Mutual Fund Policies eligible for Orbit Reward Program?
Policies worth min 100k+ are eligible.
12. How do the Orbit earnings work under deposit rule?
-
Balance Maintenance Award: You earn monthly rewards by maintaining monthly average balance within an eligible balance band.
-
Balance Band Jump Award: If you move to a higher balance band, you earn a bonus. This bonus is five times the monthly maintenance award of the new tier.
-
Multiple Band Jumps: If you jump through multiple bands in a month, you will receive cumulative Band Jump bonuses.
-
13. Are there any caps on the Balance Band Jump Bonus?
-
For Current Account (CA): The annual cap is 2,100 Orbits.
-
For Savings Account (SA): The annual cap is 2,100 Orbits.
-
For FCY Accounts (CASA): The annual cap is 2,100 Orbits.
These caps are reset every calendar year. For example: 1st of January
14. What is the minimum balance requirement to earn Orbits on deposit accounts?
The minimum monthly average balance must be PKR 100,000 to get eligible for Orbits earning. For FCY, average balance will be considered in PKR as per prevailing rates.
15. What is the Band Jump Bonus if I jump more than one band?
If you jump through multiple bands, you will receive cumulative Band Jump Bonuses.
For example, if you move from band 100k – 500k to band 3M – 10M in current account, you will receive 1000 Orbits.
|
Current Account |
||
|---|---|---|
|
Average Balance Band |
Balance Maintenance Award |
Balance Band Jump Award (5x) |
|
0 – 100k |
– |
– |
|
100k – 500k |
20 |
100 |
|
500k – 1M |
40 |
200 |
|
1M – 3M |
60 |
300 |
|
3M – 10M |
100 |
500 |
|
10M+ |
200 |
1,000 |
16. How much can I potentially earn in a year?
-
For Current Account (CA) customers: You can earn up to 13,100 Orbits annually.
-
This includes 2100 Orbits from Band Jump Bonuses and 11,000 Orbits from Monthly Maintenance Awards (assuming you start in January at the highest balance band and stay there for the remaining 11 months till December).
-
-
For Savings Account (SA) customers: You can earn up to 13,100 Orbits annually.
-
This includes 2,100 Orbits from Band Jump Bonuses and 11,000 Orbits from Monthly Maintenance Awards (assuming you start in January at the highest balance band and stay there for the remaining 11 months till December).
-
-
For Foreign Currency Account (FCY) customers: You can earn up to 13,100 Orbits annually.
-
This includes 2,100 Orbits from Band Jump Bonuses and 11,000 Orbits from Monthly Maintenance Awards (assuming you start in January at the highest balance band and stay there for the remaining 11 months till December).
-
17. Can I receive both balance maintenance award and band jump bonuses in the same month?
No, you will not receive balance maintenance award and band jump bonuses in the same month.
18. How can I earn the Annual bonus on Deposits?
To qualify for the Annual bonus, you must:
-
Keep your Monthly Average Balance above 10 million each month for the entire year.
-
Double your annual average balance from the previous year.
If both conditions are met, you’ll earn 2,100 Orbits for CASA. (PKR/FCY)
Example 1: Award
-
2024: Monthly Average Balance stays at 10,000,001 (10M+) each month entire year.
-
Annual Average Balance = 10,000,001 (sum of all monthly average balances / 12).
-
-
2025: Monthly Average Balance fluctuates but remains above 10M.
-
For example: Monthly Average Balance increases to 20,833,335.
-
Annual Average Balance = 20,833,335 (double the 2024 balance).
-
(Refer to Table 1)
Since the 2025 balance is double the 2024 average, the customer qualifies for the bonus of 2,100 Orbits for CASA.
|
Award of Annual Bonus |
|||
|---|---|---|---|
|
2024 |
2025 |
||
|
Month |
Monthly Average Balance |
Month |
Monthly Average Balance |
|
Jan |
10,000,001 |
Jan |
20,000,002 |
|
Feb |
10,000,001 |
Feb |
20,000,002 |
|
Mar |
10,000,001 |
Mar |
10,000,000 |
|
Apr |
10,000,001 |
Apr |
20,000,002 |
|
May |
10,000,001 |
May |
40,000,000 |
|
Jun |
10,000,001 |
Jun |
20,000,002 |
|
Jul |
10,000,001 |
Jul |
20,000,002 |
|
Aug |
10,000,001 |
Aug |
20,000,002 |
|
Sep |
10,000,001 |
Sep |
20,000,002 |
|
Oct |
10,000,001 |
Oct |
20,000,002 |
|
Nov |
10,000,001 |
Nov |
20,000,002 |
|
Dec |
10,000,001 |
Dec |
20,000,002 |
|
Annual Average |
10,000,001 |
Annual Average |
20,833,335 |
Example 2: No Award
-
2024: Monthly Average Balance stays at 10,000,001 (10M+) each month entire year.
-
Annual Average Balance = 10,000,001.
-
-
2025: Monthly Average Balance fluctuates and doesn’t double the 2024 annual average balance.
-
Annual Average Balance = 17,500,002 (less than double the 2024 average).
-
(Refer to Table 2)
Since the 2025 balance is not double the 2024 average, the customer does not qualify for the bonus.
|
No Award |
|||
|---|---|---|---|
|
2024 |
2025 |
||
|
Month |
Monthly Average Balance |
Month |
Monthly Average Balance |
|
Jan |
10,000,001 |
Jan |
20,000,002 |
|
Feb |
10,000,001 |
Feb |
20,000,002 |
|
Mar |
10,000,001 |
Mar |
20,000,002 |
|
Apr |
10,000,001 |
Apr |
10,000,001 |
|
May |
10,000,001 |
May |
10,000,001 |
|
Jun |
10,000,001 |
Jun |
10,000,001 |
|
Jul |
10,000,001 |
Jul |
20,000,002 |
|
Aug |
10,000,001 |
Aug |
20,000,002 |
|
Sep |
10,000,001 |
Sep |
20,000,002 |
|
Oct |
10,000,001 |
Oct |
20,000,002 |
|
Nov |
10,000,001 |
Nov |
20,000,002 |
|
Dec |
10,000,001 |
Dec |
20,000,002 |
|
Annual Average |
Annual Average |
||
|
10,000,001 |
17,500,002 |
||
1. How can I redeem my Orbits?
You can redeem your Orbits through Bank Alfalah Internet Banking, Alfa mobile application, Alfa Mall and POS terminals.
2. What can I redeem my Orbits against?
You can redeem your Orbits for the following:
- Bill payments
- Donations
- Merchant payments
- BAFL POS Machines
- QR Payments
- Alfa Mall
3. How do I register myself on the Orbit online rewards portal?
If you have signed up for Bank Alfalah internet banking or Alfa mobile application you can access the online Orbit rewards portal through internet banking or Alfa mobile application. If you wish to access the portal without signing up for internet banking or Alfa mobile application you can follow the simple instructions for registration on the Orbit rewards page at bankalfalah.com
4. Are there any charges for using Orbit rewards website?
If you sign up for the Orbit rewards page without registering for internet banking or Alfa mobile application, there are no charges.
5. My debit card/Account is blocked or some of my other products are marked inactive, can I still redeem my Orbits?
If any of your relationship with the bank is blocked or inactive, Orbits earned on those products will be inaccessible till the product is active again.
6. Can I redeem more than 1 item at a time?
Yes. You can redeem multiple items up to the worth of your Orbits.
7. I do not have enough Orbits to complete my bill payment transaction. Can I use my account also to make the payment?
Yes. You can use Orbits in combination with your account to make a bill payment transaction simply by selecting your primary mode of payment and then adding another payment option on internet banking and Alfa.
8. Can I redeem Orbits at all merchant outlets?
You will be able to redeem your Orbits at merchant outlets with Bank Alfalah POS machines. The enablement of this functionality however may vary from outlet to outlet. Please ask the merchant before making a payment if you intend to use your Orbits.
9. Is there a cap on redeeming Orbits?
Yes, Orbit redemption is capped @50% when redeeming for Mobile Top-up and Utility Bill payments. For e.g. If total amount of bill is PKR 500 then only 250 Orbits (50% of the bill amount) can be utilized to pay the bill, rest of the amount can be paid through other payment sources using Split Payment option.
10. How can I redeem Orbits on Alfa for Mobile Top-up and Utility Bill Payments?
You can redeem Orbits on Alfa for Mobile Top-up and Utility Bill Payments via Split Payment Option.
1. Are my Orbits exchangeable for cash?
No, Orbit transfer facility has been discontinued
2. Can I transfer my points to another customer?
No, Orbit transfer facility has been discontinued
3. Can I make bill/merchant payments partially, using Orbits and my account?
Yes. You can make one single payment by selecting a combination of Orbits and/or your bank account on internet banking and/or Alfa mobile application
4. On which transaction types do I get Orbits on Debit Card?
Only POS Transactions are eligible for Orbits.
5. What are Orbit Awarding TATs for different Products?
| Daily Scoring Rules | TAT |
| Debit Card POS Transactions | 2-3 Working Days |
| Sign-up Orbits Rules | TAT |
| CASA Account and ADCs | 2-3 Working Days of activation |
| Finances | 2-3 Working Days after loan disbursement |
| Bancatakaful | After 14 Days (Free look period) |
| Investment | After 30 Working Days |
| Month End Rules | TAT |
| ADC Rule, Accounts Rule and Tier Bonus Rule | Within 10 days of start of the month |