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.

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

A list of eligible product types is detailed below.

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 24 months calculated from the end of the month.

Yes, Orbits (points) will expire in 24 months. Orbits earned during January 2025 will expire on 31st January 2027.

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

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

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

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.

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.

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 the following type of transactions in a month, you will be awarded Orbits on ADC’s

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.”

Policies worth min 100k+ are eligible

• 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 three 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.

• For Current Account (CA): The annual cap is 5,775 Orbits.
• For Savings Account (SA): The annual cap is 5,775 Orbits. 
• For FCY Accounts (CASA): The annual cap is 5,775 Orbits.

These caps are reset every calendar year. For example:  1st of January

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.

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 2,625 Orbits.

• For Current Account (CA) customers: You can earn up to 16,775 Orbits annually.
  • This includes 5,775 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 16,775 Orbits annually.
  • This includes 5,775 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 16,775 Orbits annually.
  • This includes 5,775 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).

No, you will not receive balance maintenance award and band jump bonuses in the same month.

To qualify for the Annual bonus, you must:

1. Keep your Monthly Average Balance above 10 million each month for the entire year.
2. Double your annual average balance from the previous year.

If both conditions are met, you’ll earn 5,775 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 5,775 Orbits for CASA.

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.

You can redeem your Orbits through Bank Alfalah Internet Banking, Alfa mobile application and POS terminals

You can redeem your Orbits for the following:

• Bill payments
• Donations
• Merchant payments
• BAFL POS Machines
• QR Payments

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.

No, Orbit transfer facility has been discontinued

No, Orbit transfer facility has been discontinued

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

Only POS Transactions are eligible for Orbits.