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How to earn OrbitsHow to earn Orbits

How to earn Orbits

You can earn Orbits, Bonus Orbits and Tier Bonus through the following products and services.


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.200/-
Gold
Visa Signature / PowerPack 1.6 Orbit on  every POS spend of Rs.200/-

Deposits

Current Account If month end balance is greater than previous month end balance, every credit of Rs. 25K and above in the account will give you 5 Orbit Monthly Cap: 500 Orbits
Savings Account If month end balance is greater than previous month end balance, every credit of Rs. 25K and above in the account will give you 5 Orbit Monthly Cap: 500 Orbits

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.200/-

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

If month end balance is greater than previous month end balance, every credit of Rs. 25K and above in the account will give you 5 Orbit Monthly Cap: 500 Orbits

Savings Account

If month end balance is greater than previous month end balance, every credit of Rs. 25K and above in the account will give you 5 Orbit Monthly Cap: 500 Orbits


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