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Rules to earn Orbits
Product Category Sub-Products Orbits Earn

Credit Icon

Debit Cards                                                        

 Classic 1 Orbit on every POS spend of Rs.400/-
Gold
Visa Signature  1.60 Orbits /Rs.400 domestic or international spend
PowerPack
Premier Visa Signature		  

Deposit Account Icon

Deposits

Current Account

 

Premier Current Account


Savings Account


Premier Savings Account


FCY Current and Saving Accounts
 

 Orbits will be awarded on the retention and growth of average account balance as per the following bands.

 

Current/ Savings (PKR/FCY)
Average Balance Band        Monthly Retention Award         5x Band Jump Award    
0 – 100k – –
100k – 500k  20 100
500k – 1M 40 200
1M – 3M 60 300
3M – 10M 100 500
10M+ 200 1000

 

  • If Avg. Account Balance increase from one band to next band, then Band Jump will be awarded which is 5x of the monthly retention bonus.

  • Band Jump Bonus Cap: 2,100 Orbits

  • Annually Cap: 13,100 Orbits

  • Average balance for FCY is equivalent to PKR as per prevailing rates.

  • Annual Bonus: Retain monthly average balance of 10M+ in each month for the entire year and double their Year-on-Year (YOY) Annual Average Balance will earn a cumulative band jump bonus of 2,100
Digitalbanking IconADC Internet Banking

25 Orbits for 10 or more financial transactions (Mobile Topups, Utility Bills Payments, IBFT) across all ADC Channels per month.

Monthly Cap: 25 Orbits
Rules for earning Bonus Orbits
Product Category Sub-Products Earn Orbits on Sign-up
Deposit Account Icon
Deposits		 Current Account 50 Orbits
Premier Current Account 100 Orbits
Savings Account 50 Orbits
Premier Savings Account 100 Orbits
Foreign Currency Account  50 Orbits
Loansproducts Iocn
Finance

 

Home Musharakah

 

1,000 Orbits
Car Ijarah 500 Orbits
Bancassurance Icon
Bancassurance (From Branches Only)		 All Banca Products

 

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

ADC

 

Afla Mobile App

 25 Orbits
SMS Alerts 
(Fee Based Branch Banking SMS Alerts Only) 

Investmentproducts Icon
 

Investment Products (From Branches & Alfa App Only)      

 

Investment Products 

 Rs.100k-2.99M – 500 Orbits
Rs.3M – 9.99M – 1,000 Orbits
Rs.10M+ – 2,500 Orbits
Rules for earning Tier Bonus
Tier Eligibility Benefits Maximum Monthly Award
Basic Tier             Product holdings without current/saving account or less than 3 product holdings with current/saving account  No Bonus Orbits -

 

Orbit 3

 

Current or Savings Account + any 3 eligible products

 

Earn 10% of accumulated Orbits earned in a month

 

75 Orbits

Orbit 6

 

Current or Savings Account + any 6 eligible products

 

Earn 25% of accumulated Orbits earned in a month

 

350 Orbits

Orbit 9

 

Current or Savings Account + any 9 eligible products

 

Earn 100% of accumulated Orbits earned in a month

 

2500 Orbits
Islamic Orbit Rewards

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!

Islamic Orbits 2