You can earn Orbits, Bonus Orbits and Tier Bonus through the following products and services.
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.
| Product Category | Sub-Products | Orbits Earn | |||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Debit Cards |
Classic | 1 Orbit on every POS spend of Rs.400/- | |||||||||||||||||||||||||
| Gold | |||||||||||||||||||||||||||
| Visa Signature / PowerPack | 1.6 Orbit on every POS spend of Rs.400/- | ||||||||||||||||||||||||||
Deposits |
Current Account | Orbits will be awarded on maintaining and growing of monthly average balance as per the following bands.
|
|||||||||||||||||||||||||
| Savings Account | Orbits will be awarded on maintaining and growing of monthly average balance as per the following bands.
|
||||||||||||||||||||||||||
| FCY Current & Savings Account | Orbits will be awarded on maintaining and growing of monthly average balance as per the following bands.
|
||||||||||||||||||||||||||
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 (Fee Based Branch Banking SMS Alerts) | |||||||||||||||||||||||||||
Debit Cards
Classic
1 Orbit on every POS spend of Rs.400/-
Gold
1 Orbit on every POS spend of Rs.200/-
Visa Signature / PowerPack
1.6 Orbit on every POS spend of Rs.200/-
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.
| Saving 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
FCY Current & Savings Account
Orbits will be awarded on maintaining and growing of monthly average balance as per the following bands.
| FCY Current & Savings 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
- Average balance for FCY is equivalent to PKR as per prevailing rates
Digital Banking
Internet Banking
25 Orbits will be awarded for 10 or more financial transactions across all digital channels per month
Alfa (Mobile App)
25 Orbits will be awarded for 10 or more financial transactions across all digital channels per month
SMS Alerts (Fee Based Branch Banking SMS Alerts)
25 Orbits will be awarded for 10 or more financial transactions across all digital channels per month
| Product Category | Sub-Products | Earn Orbits on Sign-up | |
|---|---|---|---|
Debit Cards |
Classic | 50 Orbits | |
| Gold | 100 Orbits | ||
Deposits |
Current Account | 50 Orbits | |
| Savings Account | 50 Orbits | ||
 Consumer Financing |
Home Musharka | 1,000 Orbits | |
| Car Ijarah | 500 Orbits | ||
 Bancatakaful |
Bancatakaful (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 |
|
Digital Banking |
Internet Banking | 25 Orbits | |
| Mobile App | |||
| SMS Alerts (Fee Based Branch Banking SMS Alerts) | |||
 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 |
Debit Cards
Classic
50 Orbits
Gold
100 Orbits
Deposits
Current Account
50 Orbits
Savings Account
50 Orbits
Consumer Financing
Home Musharka
1,000 Orbits
Car Ijarah
500 Orbits
Bancatakaful
Bancatakaful (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
Digital Banking
Internet Banking
25 Orbits
Mobile App
25 Orbits
SMS Alerts (Fee Based Branch Banking SMS Alerts)
25 Orbits
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 |
|---|---|---|
 |
Any Bank Alfalah product or a current or savings account and less than 3 products | As per the eligible product rules |
 |
Current or Savings Account + any 3 eligible products | 10% of accumulated Orbits earned in a month |
 |
Current or Savings Account + any 6 eligible products | 25% of accumulated Orbits earned in a month |
 |
Current or Savings Account + any 9 eligible products | 100% of accumulated Orbits earned in a month |
Eligibility
Any Bank Alfalah product or a current or savings account and less than 3 products
Benefits
As per the eligible product rules
Eligibility
Current or Savings Account + any 3 eligible products
Benefits
10% of accumulated Orbits earned in a month
Eligibility
Current or Savings Account + any 6 eligible products
Benefits
25% of accumulated Orbits earned in a month
Eligibility
Current or Savings Account + any 9 eligible products
Benefits
100% of accumulated Orbits earned in a month
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
