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, internet banking or 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 internet banking & mobile application. You can even transfer Orbits to others Islamic customers.

Orbits is the name of the rewards currency or points that you can earn across various Bank Alfalah products.

All Bank Alfalah individual customers and/or sole proprietors will be eligible for Alfalah Orbit rewards.

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

No. Alfalah Orbit Rewards is free of charge.

A list of eligible product types is detailed below.

All individual and sole proprietor customers are eligible for the loyalty program if they have any of the above eligible products except for corporates, FCY and fixed term deposits.

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.

1 Orbit is equal to Re 1/-.

Orbit points earned will remain valid for 36 months calculated from the end of the month.

Yes, Orbits will expire in 36 months. Orbits earned during January 2017 will expire on 31st January 2020.

To inquire about your available Orbits, you can logon to Internet Banking / Alfa mobile application / Orbit website, view Orbit e-statement, contact BAFL Helpline or visit ATM.

Simply sign-up for any e-Statement facility and you will start receiving Orbit e-Statement.

Orbit e-Statement is sent maximum by mid of every month.

Simply sign-up for any SMS alert facility on your account and you will start receiving Orbit redemption alerts on real time basis.

If you are subscribed to the service, you will receive real-time Orbit alerts on redemptions.

In-case of any discrepancy, please contact BAFL Helpline and register a Orbit complaint at customercomplaint@bankalfalah.com

You can earn Orbits in the following ways:

• Origination/Sign-up (Bonus Orbits): When you get a new product or sign up for a service with the bank
• On-Going (Orbits): When you utilize the bank’s product or services.
• Tier Bonus: The number of products you hold with the bank will allow you to earn a multiplier on your total monthly Orbit earning.

Alfalah Orbit Rewards – Islamic

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 25%, 50% or 100% of the total Orbits earned during a month

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.

You can logon to Internet Banking / ALFA, view Orbit e-Statement or by calling the Call Center.

Once upgraded to a higher tier, you will remain in the particular tier for 6 months and earn the tier multiplier during the period giving you a chance to start another relationship to maintain your tier status. The 6 month period will start from the date of upgrade and will be marked as a review date. Downgrades will be done at the start of every month.

E.g. If you are upgraded on May 17th, the next tier review date will be Nov 1st. The customer’s product holding as of Oct 31st will determine the customer’s tier.

Only customer originated transactions are eligible for award. Orbits are not awarded on the following types of credit/deposit transactions:

• Reimbursements & refunds
• Reversal transactions
• Adjustment credits
• Profit disbursements
• Funds transfer between own customer accounts
• Term deposit liquidations into the accounts

For eligible deposit credit transactions, Orbits are awarded on multiples of Rs. 25,000, only if the total deposit in one transaction is Rs. 25,000 or more. Example: Orbits will be awarded if the total amount is Rs 25,000 or more and not on two deposits of Rs. 13,000 and Rs. 12,000.

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.

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.

If you do 10 or more of any IBG related financial transaction available on internet banking, Alfa or ATM excluding own account transfers you will be awarded Orbits on ADC’s

On reinvestment to your existing investment policy, you will be awarded bonus points once a year on the basis of the tiers defined in the program rules. Points will be calculated on the reinvestment accumulatively.

You can redeem your Orbits through Bank Alfalah Internet Banking, Alfa mobile application, Online Orbit rewards catalogue and Bank Alfalah Call Centre

You can redeem your Orbits for the following:
On Internet Banking/Alfa mobile application:

• Bill payments
• Donations
• Merchant payments / Online shopping

On the Orbit Online Rewards Store:
You can redeem your Orbits from a vast choice of Lifestyle, Home Comfort, Entertainment, Leather, Sports, Shopping, Travelling, Dining, Kids categories.

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

If you sign up for the Orbit rewards page without registering for internet banking or Alfa mobile application, there are no charges.

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.

Yes. You can redeem multiple items up to the worth of your Orbits.

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.

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.

Orbits accumulated in the reward program cannot be exchanged for cash

Yes. You can transfer points to another Bank Alfalah – IBG Orbit rewards customer through internet banking and/or Alfa mobile application. You will need to setup a beneficiary through the user management interface to initiate a transfer.

Your daily transaction limit for transfer of Orbits (transfer within IBG only) on internet banking and Alfa mobile application is 250,000.

No, transfer points between conventional and Islamic banking pools is not allowed.

The validity of a voucher may vary from merchant to merchant. Please see the voucher you have received for more details.

Once a voucher is issued against your Orbits, it cannot be exchanged.

If you do wish to shop more than the specified value, you can do so and settle the amount separately as per arrangement with the customer.

In the event that the reward redeemed is a shopping voucher, the item(s) selected by should be at least of the face value mentioned on the reward certificate.

If you are a Bank Alfalah internet banking and/or mobile application user, look for the Online Catalogue option in the Orbit menu. If you do not have internet banking and/or mobile application, you can visit bankalfalah.com and register yourself as an Orbit only customer.

Your address appearing on the Orbit rewards portal is sourced from your customer profile maintained at with the bank. If your address is appearing as incorrect or is not updated you will need to visit your nearest Bank Alfalah branch or CFC center to have your information updated or corrected on your customer profile.

The reward/reward certificate will be mailed to you within 4-6 weeks of receiving your request.

No. Once you have gone through the steps required to redeem an item online and confirmed it, the request cannot be reversed.

In-case you receive a damaged reward item, please call the Bank Alfalah contact center at 111 225 111 and register a complaint.

In-case the reward item received is not as per your request (for example: You ordered a silver colored toaster, and you received a red colored toaster), please call the Bank Alfalah contact center at 111 225 111 and register a complaint.

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