How to Successfully Apply for a Bank Alfalah Credit Card 

Are you in search of a credit card that provides global access, rewards, and flexibility without the hassle? Bank Alfalah offers a comprehensive selection of credit cards that are specifically designed to accommodate your lifestyle. There is a card that is specifically tailored to your needs, whether you are a frequent traveler, an online consumer, or someone who manages monthly expenses.

Bank Alfalah credit cards offer a blend of premium benefits and modern convenience, including complimentary access to airport lounges, international purchasing convenience, and cashback and Orbit reward points. Additionally, the application process is now more accessible than ever, with the option to submit an application through the app, helpline, or a nearby branch.

Bank Alfalah Credit Card: Eligibility Requirements

Before applying, make sure you meet the following conditions:

• Age: 21–60 years for salaried; up to 70 for self-employed
• Residency: Must be a Pakistani citizen with a valid CNIC
• Account Status: Must hold an active personal account with Bank Alfalah
• Credit History: Good standing with no recent defaults.

Income Requirements

Salaried Individuals:

• Classic/Titanium/Optimus: gross salary ≥ PKR 30,000–50,000
• Gold: gross salary ≥ PKR 50,000
• Platinum: gross salary ≥ PKR 100,000

Self‑Employed Individuals:

• For Self-Employed Professionals/Businessmen: gross income ≥ PKR 50,000. (Assessed on Bank Statement or Documentary Evidence)
• Minimum 1 year in current business

NOTE: These specific income requirements for each card variant are generally not explicitly published on the public website in any form, and are usually accepted across multiple banking partners in Pakistan.

Bank Alfalah Credit Card Application Methods

Bank Alfalah offers several easy ways to apply:

Mobile App

• Use the eligibility calculator and select your card
• Submit your application details instantly
• Pre-approved users can get instant card offers via the app.

Helpline or Branch Visit

• Call 111‑225‑111 to request card info and assistance
• A representative can visit you for document collection and form submission
• Or visit any branch directly and apply in-person.

Required Documents

Be sure to have the following documents ready:

• Original Scanned NICOP/POC/CNIC
• Original Scanned Passport (First Two pages)
• Proof of NRP Status (Scanned Passport’s Entry/Exit Stamps)
• Live photo
• Scanned signature (on white page)
• Proof of profession and Source of Income/Funds
• Zakat Declaration form (if applicable)

Bank Alfalah Credit Card: Approval and Activation

Approval Timeline

• App: Instant or same-day for pre-screened users
• Helpline/Branch: Typically 7–30 days, depending on verification

Card Delivery

• The card is couriered to your registered address upon approval

Activation Process

• Activate by calling the bank’s activation number or via the mobile app
• Set a secure PIN for your card

Benefits of Bank Alfalah Credit Cards

Bank Alfalah’s credit cards offer several valuable advantages:

• Orbit Rewards: Earn points(1 per PKR 200) on domestic, higher rates for Optimus/International spending.
• Cashback & Discounts: 15-30%. off dining, retail, travel, and health & fitness outlets.
• Airport Lounge Access: Free CIP lounge entry with Optimus, Platinum, Titanium cards in Karachi, Lahore & Islamabad
• Travel Privileges: Concierge services, flight delay benefits, travel desk support
• Payment Flexibility: Balance transfers, cash advances, EMI plans, and “free-for-life” variants
• Global Acceptance: Visa, MasterCard, and American Express networks for worldwide use.

What Are Bank Alfalah Orbit Reward Points?

Bank Alfalah’s Orbit Rewards Program is a way for credit card users to earn points on their everyday spending. Every time you use your Bank Alfalah credit card to buy something, whether it’s groceries, a meal, or a trip, you earn Orbit Points based on how much you spend. You can then use these points to get a variety of fun rewards, such as airline tickets, hotel stays, shopping vouchers, gift items, and even bill payments through the Alfalah Orbit Mall (accessible via the Alfa App or website).

Annual Fee Reversal Policy

Bank Alfalah offers a generous policy to reverse the annual fee if you meet specified spending thresholds within 60 days of the fee being charged:

How it works:

• The clock starts once the annual fee posts to your account.
• If you meet one of the two spending criteria within 60 days, you can call 111‑225‑111 within 3 months to request the fee reversal.
• Federal Excise Duty (FED) on the fee is not reversible
• Note: Ultra Cashback cardholders get a one-year fee waiver after spending PKR 75,000 in 60 days; AmEx cardholders aren’t eligible for this benefit.

According to user experiences, fee waivers are processed upon request, but you must call the helpline after fulfilling the spending condition.

Final Thoughts

Bank Alfalah delivers a versatile suite of credit cards designed for a range of needs: from cashback and rewards to luxury travel perks. The digital-first app experience, instant pre-approved offers, and comprehensive Orbit rewards program make it a strong choice for Pakistani users. Whether you’re just building credit or seeking elite privileges, there’s an Alfalah card for you!