alfalah
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

Credit Cards
(Fee Based Cards Only)
Classic 1 Orbit on every domestic or international spend of Rs. 200/-
Gold 1 Orbit on every domestic spend of Rs. 200/–
2 Orbits on every international spend of Rs.200/-
2 Orbits on every e-commerce spend of Rs 200/- on Optimus Card
Titanium & Optimus
Platinum
Premier Platinum 1.60 Orbits on domestic spend of Rs.200/– 2 Orbits on every international spend of Rs.200/-

Debit Cards

Classic 1 Orbit on every POS spend of Rs.400/-
Gold
Paypak
Platinum
Visa Signature 1.60 Orbit on every POS spend of Rs.400/-
Premier Visa Signature

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 get you 5 Orbits Monthly Cap: 500 Orbits
Premier Current Account If month end balance is greater than previous month end balance, every credit of Rs. 25K and above in the account will get you 5 Orbits Monthly Cap: 750 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 1 Orbit Monthly Cap: 250 Orbits
Premier Savings Account If month end balance is greater than previous month end balance, every credit of 25K and above in the account will get you 1 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

Credit Cards
(Fee Based Cards Only)

Classic

1 Orbit on every domestic or international spend of Rs. 200/-

Gold – Titanium – Platinum

1 Orbit on every domestic spend of Rs. 200/–
2 Orbits on every international spend of Rs.200/-
2 Orbits on every e-commerce spend of Rs 200/- on Optimus Card

Premier Platinum

1.60 Orbits on domestic spend of Rs.200/– 2 Orbits on every international spend of Rs.200/-


Debit Cards

Paypak

1 Orbit on every POS spend of Rs.400/-

Classic

1 Orbit on every POS spend of Rs.400/-

Gold

1 Orbit on every POS spend of Rs.400/-

Platinum

1 Orbit on every POS spend of Rs.400/-

Premier Signature

1.60 Orbit on every POS spend of Rs.400/-

Premier Visa Signature

1.60 Orbit on every POS spend of Rs.400/-


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 get you 5 Orbits Monthly Cap: 500 Orbits

Premier Current Account

If month end balance is greater than previous month end balance, every credit of Rs. 25K and above in the account will get you 5 Orbits Monthly Cap: 750 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 1 Orbit Monthly Cap: 250 Orbits

Premier Savings Account

If month end balance is greater than previous month end balance, every credit of 25K and above in the account will get you 1 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

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

Credit Cards
(Fee Based Cards Only)
Classic 50 Orbits
Gold 100 Orbits
Titanium & Optimus
Platinum 250 Orbits
Premier Platinum 400 Orbits

Debit Cards
Classic 50 Orbits
Gold 100 Orbits
Platinum 250 Orbits
Signature 400 Orbits
Premier Signature

Deposits
Current Account 50 Orbits
Premier Current Account 100 Orbits
Savings Account 50 Orbits
Premier Savings Account 100 Orbits

Loans Products
Home Loan 1,000 Orbits
Auto Loan 500 Orbits
Personal Loan 250 Orbits

Bancassurance
Bancassurance (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

Credit Cards (Fee Based Cards Only)

Classic

50 Orbits

Gold

100 Orbits

Titanium

100 Orbits

Platinum

250 Orbits

Premier Platinum

400 Orbits


Debit Cards

Classic

50 Orbits

Gold

100 Orbits

Platinum

250 Orbits

Premier Signature

400 Orbits

Premier Visa Signature

400 Orbits


Deposits

Current Account

50 Orbits

Premier Current Account

100 Orbits

Savings Account

50 Orbits

Premier Savings Account

100 Orbits


Loans Products

Home Loan

1,000 Orbits

Auto Loan

500 Orbits

Personal Loan

250 Orbits


Bancassurance

Bancassurance (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

Investment Products (BAFL Branches & Alfa App Only)

Rs.3M – 9.99M – 1,000 Orbis

Investment Products (BAFL Branches & Alfa App Only)

Rs.10M+ – 2,500 Orbits

Tier Eligibility Benefits
Any Bank Alfalah product except current or savings account 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 except current or savings account 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

25% of accumulated Orbits earned in a month

Eligibility

Current or Savings Account + any 6 eligible products

Benefits

50% 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