Alfalah American Express Gold Credit Card

A worldwide recognized premium designed card with traveling benefits 


Interest Rate / APR
 
38%
Chip Maintenance Fee
(Rs)
Nil
Cash Advance Fee
(Rs)
1,000 or 3% whichever is higher
Annual Fee
(Rs)
0
  • Pros

    - Free credit facility up to 51 days

    - Lowest markup rates up to 38%

    - Globally accepted all over the world with strong network

    - Enjoy exciting discounts that includes fine dining, shopping & world-class travelling

    - The card is globally accepted all over the world

  • Cons

    - Beware of late fees charges involved with this card

    - Excessive use of card may put you in a large debt

    - Cost of borrowing is high

  • Features

    - On international travels free Complimentary Premier & CIP lounge access

    - You can also avail exclusive discounts on shopping, dining or travelling

    - The card offers different installment plans from 3 months to 36 months for repayment

    - Avail balance transfer facility at the lowest rate

    - Pay your utility bills with your credit card

  • Eligibility

    Salaried Person:
    - Minimum salary requirement: Rs 50,000 – Rs. 75,000
    - Age Limit:  21 - 60 years
    - Documents required: CNIC, Salary slips, Bank statement, Letter from employer

    Self-Employed / Businessmen:
    - Minimum income: Rs 75,000 – Rs. 100,000
    - Age Limit:  21 - 70 years
    - Documents required: CNIC, NTN, Proof of business, Bank statement




Other Details

  • Maximum Credit Limit

    2,000,000

  • Interest Free Period

    51 Days

  • Balance Transfer Rate

    24%

  • Cash Advance Fee Annual (PKR)

    1,000 or 3% whichever is higher

  • Cash Advance Rate (%)

    38

  • Rewards Program

    Unlimited Cashback

  • Reward Points

    Gain 1 reward point on local & 1.5 on international for every PKR 100 spend

  • Late Payment Fee (PKR)

    1,550 or 10% of amount whichever is higher

  • Foreign Transaction Fee (PKR)

    5%

  • Targeted For

    Salaried Person and Businessmen

  • Min. Income for Salaried (PKR)

    50,000

  • Min. Income for Businessman (PKR)

    100,000

  • Best Suitable For

    Frequent Travellers

  • Minimum Age (Years)

    21 Years

  • No. of Supplementary Cards

    4

  • Payment Network

    American Express

  • Loung Access

    FREE CIP & Complimentary Premier lounge