Alfalah Credit Advance is offered to all credit card holders, which is a cheque book facility that can be 50% utilize for payment within their credit card’s cash advance limits. This cheque book payment facility can be used like revolving line to make purchases or payments where cards are not accepted across Pakistan. However, it cannot also be used to withdraw cash from Bank Alfalah branches as all cheques are marked account payee only.

The cheque book payments can also be used for the following purposes.

• For paying child school or university fee
• For paying home or office rentals
• For Transferring funds to another account both within Bank Alfalah or any other bank within Pakistan
• For paying merchants who do not accept credit cards like hospitals, Golf clubs, jewelers, electronics, furniture etc

Fee Category and Charges

Cheque book Issuance Fee:

• PKR 200 + FED per cheque book
  As introductory first cheque book free (limit time offer)

Service Charges

• 42% APR i.e. 3.50% per month

Cheque Book replacement Fee

• PKR 200 + FED per Cheque Book

Cheque return or stop Fee

• PKR 800 per cheque transaction

All credit card customers can avail cheque book facility. For new customers they have to submit cheque book request through sales /customers / phone banking channels

For payments through your cheque book facility other than above SBS, a standard 40% APR will be applied daily.

Our Utility Bill Payment program saves your precious time by clearing your utility bills (electricity, gas, telephone etc.) through your credit card on a very nominal fee.

Partner Names

Electricity: GEPCO, HESCO ,K-Electric ,LESCO
GAS: SNGPL ,SSGC
PTCL: PTCL Landline ,PTCL PSTN,PTCL Vfone

Enrollment in CCP program takes care of your credit card bill in the event of death & accidental death, permanent & temporary total disability or terminal illness.
It is a convenient and hassle free purchase that provides protection against unseen events.

CCP program also offers:

• A free look period of 30 days that provides you the right to cancel the facility in case of non-interest
• No cancellation fees in case you want to terminate the facility
• No documentation required
• In case of short term disability up to 12 months minimum payment will be covered by the Company. And in case if short term disability is extended to more than 12 months, Insurance Company will settle complete outstanding bill for you

The monthly fee against this facility is very nominal i.e. 0.85% of the total outstanding bill

With our e-statement service, you can receive Daily, Weekly, Monthly, Quarterly or Half-yearly account 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 simply calling our 24 hour Phone Banking at 111-225-111, you can subscribe to this service or Click here to download the E-Statement Subscription form and submit the same to your branch.

Please Click here for the Terms and Conditions of E-Statements.

EFU Mehfooz Mustaqbil Plan (EMMP) is an income continuation plan, which protects your family in case of your unfortunate death or accidental permanent total disability. The plan covers the risk of your family against any financial uncertainty and helps maintain their dignity by providing a fixed monthly income for a period of 1 year.

Please Click here EFU Mehfooz Mustaqbil Plan

Pull SMS is a SMS banking service which enables the Bank Alfalah Credit Card customers to use a range of financial and inquiry services via their registered numbers

Pull SMS Inquiry Services: ( Subscription with customer’s consent)

• Credit Card due date, amount inquiry etc.
• Last 10 transaction inquiry
• Available Orbit Points Inquiry

Pull SMS Financial Services : ( Subscription with customer’s consent)

• Mobile Bill Payment through customer’s Credit Card
• Credit Card Bill Payment from customer’s account
• Request for Credit Card use for Online transactions (Switching the service On & Off)
• Request for Credit Card use for Cross Border transactions (Switching the service On & Off)

Bank Alfalah bring you Credit Line Increase which mean you can; avail an increased buying power or just
Save up credit for a rainy day.

Please Click here for the CF-1 form