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Schedule of Bank Charges (Excluding FED) from 1St Jul to 31St Dec 2019

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Schedule of Bank Charges (Excluding FED) from 1St Jul to 31St Dec 2019 Schedule of Bank Charges (Excluding FED) From 1st Jul to 31st Dec 2019 Bank Alfalah Limited B. A. Building, I. I. Chundrigar Road, Karachi, Pakistan - 74000 111 225 111 bankalfalah.com The Way Forward Revision in Charges Effective 1st Jul 2019 Consumer Banking A. Visa/MasterCard/AMEX Card 1. Credit Card Operations i) Service Fee Step by Step Transactions (Annual Percentage Rate 33.23% to 38.74%) Balance Transfer Facility to Step By Step Transactions (Annual Percentage Rate 19.73% to 23.44%) Credit on Phone to Step By Step Transactions (Annual Percentage Rate 26.58% to 31.27%) Cheque Book & Credit on Phone to Step By Step Transactions (Annual Percentage Rate 26.58% to 31.27%) ii) Late Fee PKR 1,550/- or 10% of minimum amount due, whichever is higher vi) Over-limit Fee 2% of the over-limit amount or Page 19 Rs. 1,250/-, whichever is higher 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. Card Replacement Fee/Upgradation Fee viii) Rs. 850/- except Platinum Card Upgradation xiii) Utility Bill Payment Rs. 25/- per utility bill (through ATM) Rs. 35/- per utility bill (below Rs. 5,000 through Call) Rs. 55/- per utility bill (above Rs. 5,000/- through Call) xv) SMS Alert Fee Free xvi) SMS Pull Banking Services Rs. 25/- per month xxi) Platinum Card Issuance Fee Rs. 4,999/- Page 20 xxiii) Platinum Card Upgradation Fee Rs. 2,000/- xxx) Foreign Currency Transactions 3.5% of the transaction amount and processed through foreign Rs. 0.4 per US dollar conversion merchants xxxvi) CIP Lounge Fee Rs. 1,650/- per visit (Reversable on spend) xxxviii) Balance Enquiry: c) From MNET ATM Rs. 2.5/- per enquiry Page 21 xxxx) 1-Link Charges on declined dispute claims Per Transaction Charges: Rs. 10/- excluding all applicable Govt. Taxes. 2. Awami Visa/MasterCard i) Service Fee Step by Step Transactions (Annual Percentage Rate 33.23% to 38.74%) Balance Transfer Facility to Step By Step Transactions (Annual Percentage Rate 19.73% to 23.44%) Page 22 Credit on Phone to Step By Step Transactions (Annual Percentage Rate 26.58% to 31.27%) Cheque Book and Credit on Phone to Step By Step Transactions (Annual Percentage Rate 26.58% to 31.27%) Consumer Banking A. Visa/MasterCard/AMEX Card 2. Awami Visa/MasterCard viii) Card Replacement Fee/Upgradation Fee Rs. 350/- Page 22 xiv) SMS Alert Fee Free xv) SMS Pull Banking Services Rs. 25/- per month xxiv) Foreign Currency Transactions 3.5% of the transaction amount and processed through foreign Rs. 0.4 per US dollar conversion merchants xxv) Balance Enquiry: Page 23 c) From MNET ATM Rs. 2.5/- per enquiry xxvii) 1-Link Charges on declined dispute claims Per Transaction Charges: Rs. 10/- excluding all applicable Govt. Taxes. 3. Corporate/SME Credit Card v) Over-limit Fee 2% of the over-limit amount or Rs. 1,250/-, whichever is higher 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. x) Utility Bill Payment Rs. 25/- per utility bill (through ATM) Page 24 Rs. 35/- per utility bill (below Rs. 5,000 through Call) Rs. 55/- per utility bill (above Rs. 5,000 through Call) xii) SMS Alert Fee Free xiii) SMS Pull Banking Services Rs. 25/- per month xxii) F oreign Currency Transactions 3.5% of the transaction amount and processed through foreign ges Rs. 0.4 per US dollar conversion merchants xxiii) CIP Lounge Fee Rs. 1,650/- per visit (Reversable on Spend) xxiv) Balance Enquiry: Page 25 c) From MNET ATM Rs. 2.5/- per enquiry xxvi) 1-Link Charges on declined dispute claims Per Transaction Charges: Rs. 10/- excluding all applicable Govt. Taxes. 4. Prepaid Card iv) Cash Withdrawal: b) From 1-Link member bank ATM Rs. 18.75 per transaction c) From MNET ATM Rs. 18.75 per transaction v) Balance Enquiry: Page 25 c) From MNET ATM Rs. 2.5/- per enquiry vi) SMS Alert Fee Free x) Utility Bill Payment Rs. 25/- per utility bill (through ATM) Rs. 35/- per utility bill (below Rs. 5,000 through Call) Rs. 55/- per utility bill (above Rs. 5,000 through Call) Consumer Banking A. Visa/MasterCard/AMEX Card 4. Prepaid Card xvi) 1-Link Charges on declined dispute claims Per Transaction Charges: Page 26 Rs. 10/- excluding all applicable Govt. Taxes. 4b. Payroll/Merchant Card iv) Cash Withdrawal: b) From 1-Link member bank ATM Rs. 18.75 per transaction c) From MNET ATM Rs. 18.75 per transaction v) Balance Enquiry: c) From MNET ATM Rs. 2.5/- per enquiry vi) SMS Alert Fee Free Page 26 vii) SMS Pull Banking Services Rs. 25/- per month xi) Utility Bill Payment Rs. 25/- per utility bill (through ATM) Rs. 35/- per utility bill (below Rs. 5,000 through Call) Rs. 55/- per utility bill (above Rs. 5,000 through Call) xvii) 1-Link Charges on declined dispute claims Per Transaction Charges: Page 27 Rs. 10/- excluding all applicable Govt. Taxes. 5. Debit Card iv) Cash Withdrawal: c) From MNET ATM Rs. 18.75 per transaction v) Balance Enquiry: c) From MNET ATM Rs. 2.5/- per enquiry Page 27 vi) Utility Bill Payment Rs. 25/- per utility bill (through ATM) Rs. 35/- per utility bill (below Rs. 5,000 through Call) Rs. 55/- per utility bill (above Rs. 5,000 through Call) viii) Annual Fee Rs. 1,000/- per Classic/AKK Debit Card per year Rs. 1,300/- per Gold/AKF Debit Card per year Rs. 1,600/- per Royal Platinum Debit Card per year Rs. 6,500/- per Signature Debit Card per year Rs. 1,000/- per Gold/Digital Bundle per year Page 28 Rs. 700/- per PayPak Debit Card per year xii) CIP Lounge Fee Rs. 1,650/- per visit (Reversable on spend) xiv SMS Alert Fee Free xv) SMS Pull Banking Services Rs. 25/- per month xvii) 1-Link Charges on declined dispute claims Per Transaction Charges: Rs. 10/- excluding all applicable Govt. Taxes. xix) Credit Card Bill Payment through ATM Rs. 25/- per transaction Consumer Banking C. Alfalah Auto Loan/Consumer Auto Lease Finance Page 30 xiv) Out-station Verication Rs. 1,000/- to 1,800/- depending upon distance D. Alfalah Home Finance xii) Mortgage Promise Letter 50% applicable Processing Fees Page 31 (as per customer segment) will be charged at the time of regular facility processing General Banking D. Miscellaneous Charges 5. Issuance, Retrieval, etc. of Statements/Certicates/Documents 5.h) Service charges for not maintaining for all products: iii) FCY Current Accounts (account Rs. 43/- per month Page 37 opening balance/monthly average balance) USD 100/EUR 100/GBP 100/ JPY 5,000/CNY 1,000/UAE Dirham 500 v) Savings FCY Account USD/GBP/EUR NIL 250/JPY 10,000/CNY 2,000/UAE Dirham 1,000 xii) Alfalah Asaan Remittance NIL Page 38 Account (Current and Savings) 11. Other Charges 11.g) Charges (Cash in Transit & Bank Margin) to claim Prize Money and Face Value of Prize Bonds (i) Bank Margin Rs. 150/- (plus tax/FED) per claim will be Page 39 charged to customers, irrespective of the face value and prize money of Prize Bond. (ii) CIT Charges Actual CIT charges (including tax) will be charged to customers. 17. Alfalah Asaan Remittance Account ATM/Debit Card (Issuance and Annual Fee) Free (PayPak and Classic only) 19. Alfalah Pehchaan Account For FCY Current Accounts Initial balance requirement and minimum balance requirement is 100 units of Page 42 GBP, EUR, USD, 5,000 JPY, 1,000 CNY and 500 UAE Dirham For FCY Savings Accounts Initial balance requirement is 250 units of GBP, EUR, USD, 10,000 JPY, 2,000 CNY and 1,000 UAE Dirham and minimum balance requirement is NIL Digital Banking A - Alfa Account ii) Card Replacement Fee Up to Rs. 300/- (EMV card issuance) Page 43 iii) Annual Fee Up to Rs. 350/- H - Merchant Financing Page 46 i) Processing Charges Up to Rs. 500/- or 1%, whichever is higher I - Mutual Funds on ALFA Annual Subscription Charge Rs. 250/- annual charges J - Digital Channels/Alternative Delivery Channels Page 47 3. Branch Banking SMS Alert Fee Rs. 79/- per month (with multilingual feature) 15. Bookme Ticketing Facilitation Charges Up to 5% of ticket amount (through App, IB and CDMs) Digital Banking K - Branchless Banking - Agent Network Transaction Details Charges a. Balance Inquiry No fee is charged from customer b. Mini Statement No fee is charged from customer c. BISP Cash Out No fee is charged from customer d. Cash in to Mobile Wallet No fee is charged from customer e. Utility Bill Payment at Agents No fee is charged from customer f. Mobile Airtime Top-ups No fee is charged from customer g. Mobile Bill Payment No fee is charged from customer h. Cash Withdrawal from Mobile Wallet Slab Start Slab End FEE Exclusive FED FED Total Charges 1 1,000 15.09 2.413793103 17.50 Page 48 1,001 2,500 37.72 6.034482759 43.75 2,501 4,000 60.34 9.655172414 70.00 4,001 6,000 90.52 14.48275862 105.00 6,001 8,000 120.69 19.31034483 140.00 8,001 10,000 150.86 24.13793103 175.00 10,001 13,000 196.12 31.37931034 227.50 13,001 16,000 226.29 36.20689655 262.50 16,001 20,000 301.72 48.27586207 350.00 20,001 25,000 377.16 60.34482759 437.50 25,001 30,000 452.59 72.4137931 525.00 30,001 40,000 603.45 96.55172414 700.00 40,001 50,000 754.31 120.6896552 875.00 Bank Alfalah Premier Consumer Finance Premier Visa Signature Debit Card Complimentary access to 650+ airport lounges** Page 49 **Eligibility criteria - one international transaction of at least USD 1 in each calendar year prior to lounge visits.
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