Personal Information
Bank Alfalah
Name: Mother Name:
Tel No (Res), Tel No(Off) Mob#
Current residence Address:
Residence since:
Nearest Land mark,
Type of Residence: Owned ,Rented
,
Approx Area: If Rented, rent(Rs.):
Ottice address:
Job since:
Department: Designation: Education:
Marital status: Dependents Member: Activate SMS Alert Service: Yes: No:
Type of car: Owned: leased: Official: Other:
Make: Model:
Preference for Mailing: Home Office Email;
REFERENCE-1 (Only Colleague)
Name: CNIC#:
Tel No: Res) Tel No: (Of). Mob #:
Relation: Adress
REFERENCE-2 (Only Cousin or Family member not living with you)
Name: CNIC#:
Tel Na: (Res) Tel No: (Of). Mob #:
Relation:. Adress
Signature:
To, Dete:
The Manager,
Banlt
Lahorc.
Subject: Issuance of Bankk Statement
Issuance of Sole Proprietorslip / Maintenance Certificate (with CNIC # and Designation)
Dear Concern,
*IWe Authorize Mr. Having CNIC#
to collect bank statement and /or Maintenan ce Certificate on behalf of melus, his specimen of signature is
Please issue bank statement From Date To Date
You are authorized to detbit my/our account as per your current schedule of charges (if applicable).
Thank You
Signature: 1
Account Title:
Account Nunber:
Recelved:
<br>
Bank Alfalah Credit Card Summary Box / Key Fact Sheet
The Way Forward (updated Jan to Jun 2025)
(2025 Gsi tti)
The information contained in this box summarizes key features of Credit Card and is not intended to replace any term & conditions of the product. It is very
important that you should carefully read the full terms & conditions before agreeing and signing this information.
Information Explanation ciaa
Joining Fee/Annual Fee Card Type I Annual Fee/Joining Fee iKisla/u ayw
=
Basic Card PKR 6,000/
Classic Kus Supplementary Cards
= PKR
3,000/
Gold u Basic Card - PKR11,000/
Supplementary Cards = PKR 5,500/
Basic Card = PKR 13,000/
Optimus i Supplementary Cards = PKR 6,000/ dy6,000;,stlB,000:3,Issl
= PKR
Platinum Basic Card 2L000/ A
2,000 :3,5Gsliy
Supplementary Cards =
PKR 10,500 10,50:*,Islm»
Premier Platinum*y e = PKR
Ultra U Basic Card 8,000/
Supplementary Cards
=
PKR 4,000/ d94,000 :j,sl 8,000:3,5 sy
a
*To be offered to Premier Account holders. Sis dagsi
Annualised Percentage 46% =APR APRai 46
Rate (APR) - APR 2 x Number of Payments per Year x Financial Charges ylx2= APR astäxlil
Classic Credit Card only Outstanding Amount x (Number of Payments + 1) (1+al 5ulaDxeä lylaly
For Example: Customer has a credit limit of Rs. 100,000 and his outstanding is Rs. 49,500 and
his financial charges are Rs, 1,897.5
1,897.5 ;
:H Ja ausd49,500 ly lslal, S100,000 2bssssea
Number of Payments per Year = 12 12 = sliyLe,
=
• Financial Charges Rs. 1,897.5
Sil
G»1,897.5 =i
• Outstanding Amount = Rs. 49,500 A49,500 == llayl aly
1
Number of Payments = 1
lul
The APR varies from 46.00% to 26.00% for various transactions.
a
26.00%ai 46.00-APRAl,lita
• Credit Card transactions (Cash + Retail)
Balance Transfer Facility 26.00% APR
46% APR a
• Calculations on system will be done on a per day basis i.e. 365 days 366 for leap year)
s
APRa 46lun at, + asgl,
APR
ai 26.00
cluil
(G366 SJ 365 la slSs
All cards except 45% APR APRa45
Classic Credit Card APR = 2 x Number of Payments per Year x Financial Charges JastäxalSuillayX2
=
APR
x
Outstanding Amount (Number of Payments + 1)
For Example: Customer has a credit limit of Rs. 100,000 and his outstanding is Rs. 49,500 and
his financial charges are Rs. 1,856.25
:UH A1,856.25 ;a jaia ul aa49,500 yuly lsyl al, 100,000
sS
• Number of Payments per Year = 12 12 =
lxi 4ylu Sual
• Financial Charges = Rs. 1,856.25 1,856.25 = j Jkà
Outstanding Amount Rs. 49,500 A49,500 = l lylly
1=
Number of Payments = 1 lSu
The APR varies from 45.00% to 26.00% for various transactions.
Sai 26.00aji 45.00-APR ALSayaiza
Credit Card transactions (Cash + Retail)
• Balance Transfer Facility
26.00% APR
45% APR a
Calculations on system will be done on a per day basis i.e. 365 days (366 for leap year)
APR
a 45at,
APR
t 3,5 4s
ai 26.00
calil
Customer's Signature kiis.S
Page l of 4
<br>
Interest Rates Transaction Type Introductory Rate Monthly Rate Annual Rate
Cash Advance 45.0% p.a. for 12 months 3.75% per month 45.0% per annum
APR aà 45.0 ylsa t12
lla i 3.75 uyayi 45.0
Retail Transactions 45.0% p.a. for 12 months 3.75% per month 45.0% per annum
APR Aai 45.0
L ilSoa 12 ALLa as 3.75 4yai 45.0
Balance Transfer p.a. for 12 months 2.16% per month 26% per annum
Facility Transactions 26%
APR
ai 26 Luy lsla12 Lya 2.16%
yluda 26
For further details on interest rates refer to Schedule of Charges at www.bankalfalah.com
Interest Free Period Up to 51 days (maximum) from statement date to next due date
Cash advance and Balance Transfer Facility transactions are excluded from the
interest free period
Interest Charging No interest would be charged on transactions, if the payments are made in full on or before
the payment due date for each billing cycle. Otherwise, the period over which interest is
charged for different credit card transactions will be mentioned as below:
y
Transaction Type From sl Until ls
Cash Advance Transaction date 0.12% daily unless paid in full
Retail Transactions Transaction date Paid in full
Balance Transfer Date debited to Paid in full
Facility Transactions Customers account
For further details on interest rates refer to Schedule of Charges at www.bankalfalah.com
J
-Asasayl www.bankalfalah.com oaS
• In case of payment amount spent on the credit card
Payments Allocation
full of the total outstanding
within the billing date, no interest will be charged
In case of partial payments of the outstanding amount spent on the credit card.
The payment will be subject to the following grid as per the payment sequence
Payment Sequence Payments Category
1 Billed Service Charges
2 Billed Cash Advance
3 Billed Retail
4 Billed Balance Transfer
Minimum Monthly {Principal Balance * 1% + Over Limit Amount (if any) + SBS installment (If any) + Total Billed
Markup +Total Billed Charges) or PKR 500 whichever is higher
Repayments
tojt
y
500 lals
If you make a minimum payment, interest will be charged on the remaining balance after due date,
soit will cost more and take longer to clear the balance. Interest free period is also lost
if any balance of the previous month's bill is outstanding.'
Customer's Signature isSis
Page 2 of 4
<br>
Card Limits (PKR) Card Type Min Limit s ,
sMaximum Limitsbj Cash Withdrawal Limit is
ClassicKus 25,000 rS 180,000 50% of the limit
Gold iu,5 75,000 L0* 650,000 50% of the limit
Optimusti 125,000 ItO **1,000,000 50% of the limit
Platinum 500,000 Soo 7,000,000 50% of the limit
Premier Platinum 500,000 oo 7000,000 50% of the limit
Ultral,t 25,000 ro** 499,000 r99** 50% of the limit
Credit limit over 3 Million only for Prime customers. Si SS la3
Charges Cash Advance/Calland Pay Fee Rs. 1,200/- or 3% of cash advance amount, whichever is higher
lly1,200 da3.0 5
BTF/SBS Processing Fee or
Rs. 1,000/- 2.5% of transaction amount, whichever is higher
Ho
a2.55i»1,000
|Utility Bill Payment Rs. 25/- per utility bill (through ATM)
Rs. 35/- per utility bill(below 5,000 through Call, Direct Debit)
Rs. 55/- per utility bill(above 5,000 through Call, Direct Debit)
(ATM44,) 3 25
y 35
(eyj ksks. JsaiS5,000)
(Cyi h3. J. l;5,000)JlAy 55
Foreign Transactions Up to 5% over prevailing market rate or as per SBP directive. Third
currency transactions will be first converted into US Dollars as per rate
quoted under arrangement with Visa and Master Card. Cross border
transaction fee will also be charged as per VisaMaster Card rules (Same to
be applied for DCC transactions)
2% Of the over limit amount or PKR 1,600/- whichever is higher
Over limit Fee
Note: Excess over-limit fee is charged on your credit cards when principal
outstanding exceeds the limit. It is charged on a recurring monthly basis until
the outstanding is adjusted to fall below the allowed limit.
slaalyaJay
Cash payment None
feeas
Flip Fee (Ultra) (,) i PKR 2,000/-2,000
Applies when a customer:
Flip Fee (Ultra)
- Changes existing card (i.e. Classic, Gold, Optimus & Platinum) to Ultra
- Changes selected category (i.e. Super Market, Fuel, Clothing, Hotel, Airlines and Hospitals)
Card Replacement fee PKR 1,000 for all cards except Optimus and Platinum
PKR 2,000 for Optimus and Platinum
ylayeSpli g» 1000
Slty 2000
Card Upgradation Fee Classic, Gold, PKR 1000/- Platinum, Optimus PKR 2,000/
G»L000 itt.S.Kus d2,000 yty
Copy of statement fee None
For further details on charges refer to *S0C at www.bankalfalah.com
s ia
aaJin www.bankalfalah.coml
Customer's Signature iisSts
Page 3 of 4
<br>
Default Charges Late Payment Charges Rs. 2,300/
GS2,300
Cheque Return Charges Rs. 1,200,/
S1,200
Cancellation Charges No cancellation charges tie
Renewal Charges No renewal charges tSi
Expiry sa Ssl 3years from the date of card issuance Jlui3 Sda
Credit Cover Premium: 0.85o of outstanding amount ai 0.85ä, lyl alis
• Upon customer request, the Bank will provide coverage on the credit card outstanding amount
for the reason of temporary disability or prolonged illness up to 45 days and in case of death
Insurance Coverage
For further details on terms and conditions refer to www.bankalfalah.com
a
-ÄSa www.bankalfalah.comSolalela hil
Ultra Cash Back 7% Cash back on each categories is subject to a cap of PKR 500/- category.
Credit Card Cumulative cash back in1 statement cycle is equal to a cap of PKR 1000.
Terms and conditions apply.
Cross Border Transactions When a transaction is performed at any merchant located outside Pakistan, then this
jA4 transaction is deemed as cross border or international transaction.
Activate cross border transaction? uias yYes J No
E-commerce Transactions When a transactions is being performed over Internet then this is deemed to be e-commerce
Ss transaction.
Activate E-commerce transactions? OYes u ONo
EOL EOL means Excess Over Limit, which refers to a cardholder's account that has surpassed
its assigned/approved credit limit. For your convenience Bank Alfalah offers you the facility
of going over limit up to 10% on your credit card.
Activate over limit facility on your credit card? OYes u
ONot
*For all fee lines FED applies jl Jii Yd pLs"
By signing this document:
I confirm that Ihave carefully read and fully understood the contents herein.
lacknowledge receipt of a copy of the Bank Alfalah Key Fact Statement for Credit Card.
Customer's Signature and Date Authorised Banker's Signature, Stamp and Date
Page 4 of4
Date:
The Manager- Bank Alfalah
Consumer Finance Center
Lahore
Sub: Request for Re-consideration of Credit Card Applieation #
Dear Sir,
Reference to the subject, I have applied for credit card application which is got
cancelled due to
Therefore, my updated /correct detail is as follow:
Looking forward for your kindness.
With best regards,
Signature:
Name:
CNIC:
