Alfalah American Express CardAlfalah American Express Card

Alfalah American Express Card

The American Express Gold Credit Card

Welcome to the exclusive world of American Express. American Express Gold Credit Card is recognized worldwide and is designed to provide superior benefits, privileges and service to Cardmembers along with 24/7 access to travel, medical and legal advice around the globe.

Features & Benefits

Earn 1% unlimited cashback on all local retail spend and 1.5% unlimited cashback on all international retail spend on the American Express Gold Credit Card. The cashback reward is automatically reflected in the credit card statement without any hassle or inconvenience.

As an introductory offer, enjoy 5% cashback for the first 3 months of card issuance (capped at Rs. 6,000).

Cardmembers can apply for up to 4 supplementary cards. Cashback can be earned on spending on Supplementary Cards as well which will reflect in basic Cardmember’s statement.

The American Express Gold Credit Card is widely accepted internationally and at American Express enabled outlets within Pakistan. With your American Express Gold Credit Card, pay for shopping, dining, travel, entertainment and much more.

American Express Invites®

American Express Invites® serves up over 400 specially selected restaurants around the world – each one handpicked by the locals. And whether it’s an up-and-coming hotspot or a hidden gem, enjoy a special something on the house whenever you visit. It could be 20% off the food bill, an appetizer or even a complimentary drink. Please visit www.amexdiningprogram.com to find out more about the American Express Invites®.

 

Live the World

Travel across Asia’s top destinations, savor amazing experiences and enjoy up to 50% off dining, accommodation and more with your American Express Card. Please visit livetheworld.americanexpress.com to find out more about Live the World.

 

Online Shopping

Shop from the U.S. and enjoy up to 80% savings on shipping with MyUS! Get 2 years complimentary Premium membership (US$60 saving per year), 20% off your first shipment and 15% off shipping rates for 2 years. To get started, simply visit myus.com/welcome/amex/ and sign up.

 

American Express Essentials

Experience a world of inspiration with fun, surprising and original tips for a better, smarter life. Whether looking for ideas for your next vacation or the latest trends in food, fashion or design, let American Express Essentials be your guide. Discover more online at www.amexessentials.com.

 

Local Discounts and Offers

The American Express Gold Credit Card opens a world of exciting discounts that includes shopping, fine dining and world-class travelling.

The American Express Gold Credit Card opens a world of exciting discounts that includes shopping, fine dining and world-class travelling.

American Express Global Assist

American Express Global Assist is a worldwide platform that provides emergency global assistance to you, 24/7 access to medical, legal, financial assistance including medical and legal referrals. American Express Global Assist also provides assistance with cash wires, passport replacement, missing luggage and more. American Express Global Assist can also help you prepare for your trip with customs information, visa and inoculation requirements.

 

The Global Assist Hotline coordination and assistance services are offered at no additional charge from American Express. However, Cardmembers are responsible for the costs charged by third-party service providers.

 

Covered Persons:

  • Cardmembers (Both Main and Supplementary Cards)
  • Family Members when they are travelling with the Cardmember

 

Eligibility

Covered person is eligible for emergency ‘International Medical and Travel Assistance’ when he/she travels outside the Home Country or Usual Country of Residence for periods not exceeding 90 consecutive days per trip.

 

Global Assist Hotline

To speak to an American Express Global Assist Representative, dial +65 6332 3100.

 

Schedule of Benefits

  1. Medical Expense Guarantee, Cost Review and Payment, Medical Monitoring

American Express Global Assist will, subject to American Express Global Assist first secure payment from the Covered Person through the Covered Person’s credit card or from the funds from the Covered Person’s family, assist the Covered Person by guaranteeing on behalf of the Covered Person medical expenses incurred during a Covered Person’s hospitalization. In the event, American Express Global Assist has guaranteed his/her hospitalization expenses, American Express Global Assist shall monitor the Covered Person’s medical condition with the hospital’s attending physician; subject to any and all obligations in respect of confidentiality and relevant authorization. American Express Global Assist shall ensure that the hospitalization expense incurred by the Covered Person is reasonable with customary and consistent both with reasonable standards for the Covered Person’s condition and location. Any related expenses will be charged to the Covered Person’s credit card account with American Express.

 

  1. Medical Evacuation and Repatriation

American Express Global Assist will arrange for the provision of air and/or surface transportation, medical care during transportation, communications and all usual ancillary services required to move the Covered Person to the nearest hospital where appropriate medical care is available. American Express Global Assist will arrange for the provision of appropriate communication and linguistic capabilities, mobile medical equipment and medical escort crew. American Express Global Assist will arrange for the return of the Covered Person to the Home Country or Usual Country of Residence following the Covered Person’s emergency medical evacuation and subsequent hospitalization outside the Home Country or Usual Country of Residence. Any related expenses will be charged to the Covered Person’s credit card account with American Express.

 

  1. Arrangement of Hospital Admission

American Express Global Assist will assist Covered Persons with the arrangement and confirmation of admission to the identified hospitals.

 

  1. Travel Arrangement Including Accommodation for Visiting Family Member

American Express Global Assist shall arrange for transportation for one member of the immediate family of the Covered Person to travel to the place of treatment if a designated physician in consultation with the local treating physician, reasonably anticipates that the Covered Person will be hospitalized for 10 consecutive days or more; American Express Global Assist shall arrange accommodation for the family member but shall have no responsibility for the cost of the accommodation, meals, or other expenses of the family member. Any related expenses will be charged to the Covered Person’s credit card account with American Express.

 

  1. Emergency Hotel Arrangement

American Express Global Assist will arrange for a hotel room in case the Covered Person has to remain in the country where travelling for emergency medical treatment or further medical check-ups, and needs to extend his/her trip duration beyond original plans. Any related expenses will be charged to the Covered Person’s credit card account with American Express.

 

  1. Repatriation of Dependent Children

If the dependent child(ren) was/were travelling with the Covered Person at the time of injury or illness of the Covered Person is left unattended as a result of the Covered Person’s illness, accident or emergency medical evacuation, American Express Global Assist shall arrange for the one-way economy class transportation to return the child to their Home Country or Usual Country of Residence. American Express Global Assist shall provide for a qualified escort to accompany the child(ren), when requested. Any related expenses will be charged to the Covered Person’s credit card account with American Express.

 

  1. Transportation of a Travelling Companion Return Trip

If a decision is made to evacuate or repatriate a Covered Person to another hospital or treatment facility, American Express Global Assist will arrange for the one-way economy class transportation of one (1) travelling companion to return to the Home Country or Usual Country of Residence of the Covered Person, provided that the ticket of the travelling companion has become invalid as a result of delay caused by the illness or injury of the Covered Person. If the Covered Travelling Companion designates a return other than the Home Country or Usual Country of Residence of the Covered Person, American Express Global Assist shall make the travel arrangements to the Home Country or Usual Country of Residence. Any extra expense will be charged to the Covered Person’s credit card account with American Express.

 

  1. Transmission of Urgent Messages to Family or Business Associates

In the event of a medical emergency, American Express Global Assist shall assist a Covered Person to transmit urgent messages to the Covered Person’s family, friends or business associates. American Express Global Assist shall have no responsibility for and the Covered Person shall indemnify American Express Global Assist for any damage caused by any information transmitted by American Express Global Assist on behalf of the Covered Person.

 

  1. Transportation of the Travelling Companion to New Place of Hospitalization

When American Express Global Assist moves a Covered Person from one hospital to another, other than a medical facility near his/her usual place of residence, American Express Global Assist shall arrange for one (1) travelling companion of the Covered Person or a family member who is with the Covered Person, but not both to travel to the new hospital location. The travelling companion will use the same mode and class of transport as the Covered Person, whenever practical. Any related expenses will be charged to the Covered Person’s credit card account with American Express.

 

  1. Repatriation of Mortal Remains

American Express Global Assist will arrange for the transportation of the Covered Person’s mortal remains to the Home Country or Usual Country of Residence or, if requested by the Covered Person’s family, arrange for local burial at the place of death, subject to any governmental regulations. All expenses will be charged to the Covered Person’s family.

 

  1. Return Home on the Death of a Relative

American Express Global Assist shall make travel arrangements including but not limited to purchasing an economy class airline ticket, for the Covered Person, to return as soon as possible to his/her Home Country or Usual Country of Residence in the event of death of a relative, in order to attend the deceased’s funeral, of any one of the following residing in Home Country or Usual Country of Residence: father, mother, parent-in-law, legal spouse, child, brother or sister, providing the Covered Person’s travel ticket is not valid for an early return to his/her Home Country or Usual Country of Residence. Any related expenses will be charged to the Covered Person’s credit card account with American Express.

 

  1. Telephone Medical Advice and Referrals to Medical Service Providers

American Express Global Assist shall arrange for the provision of medical advice over the phone to Covered Person who calls for assistance. American Express Global Assist shall provide the Covered Person, upon request, with the name, address, telephone number and, if available, office hours of physicians, hospitals, clinics, dentists and dental clinics (collectively, ‘Medical Service Providers‘). American Express Global Assist shall not be responsible for providing medical diagnosis or treatment. Although American Express Global Assist shall make such referrals, it cannot guarantee the quality of the Medical Service Providers and the final selection of a Medical Service Provider shall be the decision of the Covered Person. American Express Global Assist, however, will exercise care and diligence in selecting the Medical Service Providers.

 

  1. Arrangement of Medical Appointment

American Express Global Assist will assist Covered Persons with the arrangement and confirmation of appointments with Medical Service Providers, assistance in post appointment communications and follow up with Covered Person.

 

  1. Replacement and Dispatch of Spectacles/ Contact Lenses/ Prescribed Medicines

American Express Global Assist will arrange and organize transportation of replacement spectacles or contact lenses (if left behind or lost), provided that the Covered Person is able to supply sufficient information to American Express Global Assist to locate the optical provider regularly used by him/her. The cost of replacement lenses, spectacles or medicine, any costs related to doctors’ fees or import duties or taxes as well as any other third party costs will be charged to the Covered Person’s American Express Credit Card within 30 days from the date of shipment. American Express Global Assist will arrange to deliver to the Covered Person essential medicine, drugs and medical supplies that are necessary for a Covered Person’s care and/or treatment but which are not available at the Covered Person’s location. The delivery of such medicine, drugs and medical supplies will be subject to the laws and regulations applicable locally. American Express Global Assist will not pay for the costs of such medicine, drugs or medical supplies and any delivery costs thereof.

 

  1. Referrals to Lawyers

American Express Global Assist will provide the Covered Persons with the name, address, telephone numbers, if requested by the Covered Person and if available, office hours for referred lawyers and legal practitioners. American Express Global Assist will not give any legal advice to the Covered Person.

 

  1. Advance of Lawyer’s Fees

If the Covered Person is jailed (or threatened to be) following a road traffic accident, American Express Global Assist shall appoint and advance the fees of a lawyer up to US$10,000, to be charged to the Covered Person’s credit card account with American Express and subject to authorization by American Express. American Express Global Assist guarantees that lawyers of the relevant jurisdiction be of good repute and not have been the subject of any reprimand or malpractice proceedings. This amount will be charged to the Covered Person’s American Express Gold Credit Card Account within 30 days from the date of advance of the legal fee.

 

  1. Advance of Bail Bond

American Express Global Assist shall arrange the bail bond, up to a limit of US$10,000, for the Covered Person’s conditional release when travelling outside the Home Country or Usual Country of Residence. The Covered Person shall be responsible for any other related expenses. The provision of bail bond is subject to American Express Global Assist first securing payment from the Covered Person through his/her credit card or funds from the Covered Person’s family.

 

  1. Pre-trip Information

American Express Global Assist shall provide information concerning visa and inoculation requirements for foreign countries, as those requirements are specified from time to time in the most current edition of World Health Organization Publication ‘Vaccination Certificates Requirements and Health Advice for International Travel‘ (for inoculations) and the ‘ABC Guide to International Travel Information’ (for visas). This information will be provided to the Covered Person at any time, whether or not the Covered Person is travelling or an emergency has occurred. American Express Global Assist shall inform the Covered Person requesting such information that American Express Global Assist is simply communicating the requirements set forth in a document and American Express Global Assist shall name the document.

 

  1. Referral of Embassies and Consulates

American Express Global Assist shall provide the address, telephone number and hours of opening of the nearest appropriate consulate and embassy worldwide

 

  1. Referrals to Translation Services and Interpreters

American Express Global Assist shall provide Covered Person with the name, address, telephone number and if available, the office hours of interpreters’ office. American Express Global Assist shall provide the estimated cost (as indicated by the interpreters’ office) if required by Covered Person.

 

  1. Lost Luggage Assistance

American Express Global Assist will assist the Covered Person who has lost his/her luggage and/or personal belongings while travelling outside the Home Country or Usual Country of Residence by referring the Covered Person to the appropriate authorities involved.

 

  1. Cash Advance & Administrative Assistance for Travel Emergencies

For Covered Persons who require emergency cash advance in the event of loss or theft of all necessary travel documents, flight delay or cancellation, missed connection of flight, when the following situation limits their ability to obtain cash:

(a) After business hours, all banks and American Express Travel Service Offices are closed,

(b) In remote locations where there are no American Express Travel Service Offices, no banks or American Express offices.

Subject to the cash advance amount authorised by American Express, American Express Global Assist will organize a cash advance delivery for the above purpose, if he/she is travelling outside the Home Country or Usual Country of Residence. The advanced amount together with any delivery fee, and any costs incurred due to import duties or taxes will be charged to the Covered Person’s credit card account with American Express.

 

  1. Referral of American Express Travel Service Offices (TSO)

American Express Global Assist shall provide to Covered Person the address, telephone number and hours of opening of the nearest American Express Travel Services Offices.

 

  1. Cash Access Inquiry (American Express Card ATMs)

American Express Global Assist shall provide to the Covered Person the locations of the nearest ATMs.

 

  1. Access to American Express Selects Offers

American Express Selects shall provide to Covered Person information on the Selects Offers and names of the participating merchants.

 

Free CIP Lounge Access

You can enjoy complimentary CIP lounge access on international travel from Karachi, Lahore, Islamabad and Multan airports. Just present your American Express Gold Credit Card at the lounge to enjoy relaxed seating with television entertainment, free buffet of snacks and beverages, Internet, fax telephone facilities, reading material and a 24 hour full service information desk giving prompt updates on flight departures.

 

Complimentary Premier Airport Lounge Access

You can enjoy complimentary access to Premier airport Lounges at both, the domestic and International terminal of Jinnah International Airport. Apart from the exceptional ambiance, the lounges offer a Digital Library curated by British Council, Top end refreshments catered by Espresso, Ipads with customized App, High speed wifi, Charging ports and Select variety of newspapers and magazines.

Credit Cover

We offer Cardmembers a new and powerful protection against the uncertainties of life. In the unfortunate event of prolonged illness or temporary disability exceeding 45 days, we will pay the minimum outstanding amount on your American Express Gold Credit Card. In case the Cardmember’s death is caused by accidental means, the Cardmember’s loved ones needn’t worry about outstanding Credit Card payments. All basic Cardmembers up to the age of 65 are provided with this coverage up to twice the amount of outstanding debt at the time of death.

 

Alfalah Credit Cover also has a range of features (like coverage against confirmable fraudulent usage, counterfeit activity or any unforeseen circumstances covered in our Credit Cover policy) designed to protect you from the setbacks in life, at affordable rates.

 

You will just be charged a very small percentage of your outstanding amount in each monthly Credit Card Statement as ‘Credit Cover Premium’. Simply call 24-Hour Alfalah Contact Centre at 111 226 111 to avail credit cover protection.

 

Zero Loss Liability

You can rest assured that if you lose your American Express Gold Credit Card, you have nothing to worry about! Bank Alfalah covers you from all fraudulent charges made on your card as soon as you report it lost to us. So make sure that you report the loss immediately after such an incident at 111 226 111. We assure you that with your American Express Gold Credit Card,

You are completely secure against loss and theft.

 

Lost and Stolen Card Reporting Service

Call on our helpline 111 226 111 to file a lost or stolen card and initiate the process to have your card canceled and replaced.

 

Emergency Cash Disbursement

If your credit card is lost or stolen during international travel, American Express offers emergency cash wire service through the use of strategically placed emergency service locations. Please call +65 6332 3100 to contact an American Express Global Assist representative.

All Billing in Pak Rupees

Whether you make transactions in US dollars or any other currency, all your billing will be in Pak rupees for your convenience.

 

SMS Facility

Alfalah cardholders can get SMS for card usage, mini statement, payment receipt confirmation, etc. A call can be made at 111 226 111 for registration. SMS Alert Fee is payable as per the prevailing schedule of charges.

SBS Installment Plans

You can convert any of your retail transactions of Rs. 3,000 and above into an Installment Plan. It gives you the flexibility to convert your large payments into small equal monthly installments. A booking fee as per the prevailing Schedule of Charges is applied on every transaction converted into an Installment Plan. You can get household appliances, travel packages and other products of everyday use at convenient and easy installments. Enjoy a life of luxury best suited to your convenience.

What Transactions can I transfer to SBS?

  • Retail Transactions (Domestic and International)
  • Cash Transactions (Domestic and International)
  • Balance Transfer Transactions

 

How Can I Apply?

  1. Fill in the SBS application form available at Alfalah Branches or Card Centre (required only at the time of first transaction when you apply for SBS plan)
  2. Call at 111 226 111 and book the transaction under SBS
  3. Choose from 3, 6, 9, 12, 18, 24, 30, 36 months affordable payment plan

Terms and Conditions

  1. Minimum transaction amount should be Rs. 3,000
  2. A processing fee as per the prevailing Schedule of Charges will be applicable per transaction
  3. A pre-closure penalty as per the prevailing Schedule of Charges will be applicable
  4. SBS Plan is not applicable on partial transaction amounts
  5. Installment billed to Cardholders on cycle date will be included in Minimum Payment of said Cardholder

 

Balance Transfer Facility

With the Alfalah Card Balance Transfer Facility you have the opportunity to pay off balances you owe to other banks through your Alfalah Credit Card at an affordable transfer rate. Simply call 24-Hour Alfalah Contact Centre at 111 226 111 for details.

 

Bill Payment Facility

You can pay your utility and mobile bills through your American Express Gold Credit Card by calling 111 226 111 anytime or through Direct Debit instructions.

 

Available on LESCO, IESCO, HESCO, FESCO, GEPCO, K-Electric, MEPCO, PESCO, SSGC, SNGPL, PTCL and Warid. Other companies to be signed on shortly.

 

24 Hour Cash Withdrawal through ATMs

Withdraw cash up to 50% of your credit limit through your American Express Gold Credit Card instant cash advance facility from your and designated Alfalah Branches nationwide and at any ATM. The service charges for cash advance will be applied from the day of the transaction. A cash advance fee as per the prevailing Schedule of Bank Charges is also applicable on all Cash Advance Transactions.

 

Call and Pay Facility

You can get a Pay Order/Demand Draft issued in your own name or in the name of any individual, company (School, College, Insurance Company, Bank etc.) or in favor of any business concern where credit card acceptance facility may not be available.

Credit on Phone

You can call the 24-Hour Alfalah Contact Centre at 111 226 111 and get Credit up to 80% of your assigned credit limit or available credit limit whichever is lower at an affordable rate. Payment of credit amount can be made to you through a cheque or directly into your Bank Alfalah account.

 

Auto Debit Facility

This facility is specially designed for our account holders. It gives you the option of making your minimum or full payments due as specified in your American Express Credit Card monthly statement through your Bank Alfalah account.

 

Phone Banking

By simply calling 24-Hour Alfalah Contact Centre at 111 226 111 you can avail the following facilities on your American Express Gold Credit Card, 24 hours a day, 7 days a week.

  • Check account details of your credit card statements
  • Avail Balance Transfer facility
  • Avail Installment Plan facility
  • Pay your utility and mobile bills
  • Activate ongoing and new Credit Card services
  • Inquire about ongoing Credit Card promotions

 

E-Statement

With our e-statement service, you can receive your monthly card statements directly via email. This facility is offered to you at no extra cost. All you need is a personal e-mail address to which your e-statements will be sent. By calling Alfalah Contact Centre at 111 226 111, you can subscribe to this service.

Schedule of Bank Charges (Link)

24/7 Dedicated Helpline

111 226 111

Basic Eligibility Criteria

Particulars Salaried Individuals Self-Employed Businessmen/Professionals
Minimum Salary/Income Rs. 50,000 – Rs. 75,000 Rs. 75,000 – Rs. 100,000
Minimum employment/ business tenure 1 – 6 months 1 Year
Age (Basic Card) Min 21 years │ Max 60 years Min 21 years │ Max 70 years
Age (Supplementary Card) Min 13 years Min 13 years

Documents Required

  • Application Form
  • Copy of Computerized National Identity Card (CNIC)
  • Current salary slip/salary letter with breakup
  • Additional documents may be required on a case-to-case basis
  • Application Form
  • Copy of Computerized National Identity Card (CNIC)
  • Personal bank statement (on original bank letterhead) for last six months
  • For Self-employed Businessmen: Tax returns, NTN, Bank certificate or any other proof of business
  • For Self- Employed Professional: Copy of professional degree and relevant supporting documents
  • Additional documents may be required on a case-to-case basis
  • Supplementary Application Form
  • Copy of Computerized National Identity Card (CNIC)
Apply Now Or you can apply for Alfalah American Express Card at the branch.
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