Bank Alfalah Orbit Rewards is a loyalty program designed to reward you for your banking relationship. Earn Orbits across a range of products and services, enjoy multipliers based on your tier, and redeem points for mobile top-ups, bill payments, donations, and more.
How to Earn Orbits
Types of Orbits
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Orbits – Earned whenever you bank through eligible products or services.
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Bonus Orbits – Earned when you sign up for a new Bank Alfalah product.
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Tier Bonus – Earn a multiplier on your monthly Orbits based on the number of Bank Alfalah products you hold.
Products & Earning Rules
1. Debit Cards
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Islamic Premier VISA Signature: 1.60 Orbits for every PKR 400 POS spend (domestic or international).
2. Deposit Accounts
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Islamic Premier Current & Savings Accounts:
|
Monthly Avg Balance |
Maintenance Award |
Band Jump Award (3x) |
|
0 – 100k |
– |
– |
|
100k – 500k |
50 |
150 |
|
500k – 1M |
125 |
375 |
|
1M – 3M |
250 |
750 |
|
3M – 10M |
500 |
1,500 |
|
10M+ |
1,000 |
3,000 |
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Band Jump Bonus: Awarded when you move to a higher balance band; capped at 5,775 Orbits per year.
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Annual Bonus: Maintain 10M+ monthly average balance and double your previous year’s balance to earn an additional 5,775 Orbits.
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Islamic Premier FCY Accounts: Same rules as above, with FCY balances converted to PKR at prevailing rates.
3. Digital Banking
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Internet Banking & Alfa Mobile App: 25 Orbits for 10+ qualifying financial transactions per month (monthly cap 25 Orbits).
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SMS Alerts (Fee-Based): Earn Orbits on activation.
Bonus Orbits on Sign-Up
|
Product Category |
Product |
Bonus Orbits |
|
Deposits |
Islamic Premier Current/Savings Account |
100 |
|
Consumer Financing |
Home Finance |
1,000 |
|
Consumer Financing |
Auto Finance |
500 |
|
Bancatakaful |
Rs. 1 – 49,999 |
200 |
|
|
Rs. 50,000 – 99,999 |
300 |
|
|
Rs. 100,000 – 249,999 |
500 |
|
|
Rs. 250,000 – 499,999 |
1,000 |
|
|
Rs. 500,000 – 999,999 |
1,500 |
|
|
Rs. 1,000,000+ |
2,000 |
|
Digital Banking |
Mobile App |
25 |
|
Investment |
Rs. 100k – 2.99M |
500 |
|
|
Rs. 3M – 9.99M |
1,000 |
|
|
Rs. 10M+ |
2,500 |
Tier Bonuses
Tier Structure:
|
Tier |
Eligibility |
Bonus Multiplier |
Max Monthly Award |
|
Orbit |
Any product or <3 products |
– |
– |
|
Orbit 3 |
Current/Savings + 3 products |
10% |
75 Orbits |
|
Orbit 6 |
Current/Savings + 6 products |
25% |
350 Orbits |
|
Orbit 9 |
Current/Savings + 9 products |
100% |
2,500 Orbits |
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Tier bonus is calculated monthly.
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Downgrade grace period: 3 months if products are reduced or closed.
How to Redeem Orbits
You can redeem Orbits via Internet Banking, Alfa Mobile App, or at Bank Alfalah POS merchants for:
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Mobile Top-Up
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Bill Payments
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Donations
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QR Payments
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Merchant Payments
Key Notes:
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You can combine Orbits with your bank account to complete transactions.
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Redeemed Orbits are non-refundable and cannot be exchanged for cash.
1 Orbit = PKR 1. It is the rewards currency earned across Bank Alfalah products.
All individual customers and sole proprietors with eligible products are automatically enrolled.
Orbits are valid for 24 months from the end of the month they were earned.
Yes, Orbits can be earned and redeemed by either or survivor account holders.
1.60 Orbit for every PKR 400 POS spend. Cash advances, ATM withdrawals, fees, and disputed transactions do not earn Orbits.
Maintenance Award: Earned for maintaining average balance in eligible band.
- Band Jump: Earned for moving to higher bands.
- Annual Bonus: Maintain 10M+ monthly balance and double previous year’s average to earn 5,775 Orbits.
Sign up for additional eligible products. You can jump tiers directly if criteria are met.
Yes, Orbits can be redeemed for multiple items simultaneously up to your available balance.
No, Orbits cannot be exchanged for cash or transferred to another customer.