Credit Cards Reward Program

How to Earn Points

Your reward points are generated automatically against your credit card spending. For every PKR 50 you spend, you earn 1 reward point. Each accumulated point holds a cash value of 10 Paisa (PKR 0.10).

To find your total cash reward value, the bank uses a simple calculation:
(Total Spend / 50) x 0.10 = Total Cash Value

Rewards Example

If your total credit card spend reaches PKR 2,000,000, your rewards accumulate as follows:

· Points Calculation: 2,000,000 / 50 = 40,000 Points

· Cash Value Conversion: 40,000 Points x 0.10 = PKR 4,000

All generated points are securely saved and accumulated within the bank’s system until you decide to use them.

Simple Redemption Process

When you are ready to use your points, the bank makes redemption quick and straightforward:

· Contact the bank to check your total accumulated points and explore our extensive network of redemption partners.

· Choose your preferred partner from our available merchant list.

· Receive a shopping voucher from the bank equivalent to the cash value of your redeemed points.

· Present your voucher at the chosen merchant outlet to use it exactly like cash.

The accumulated reward points can be redeemed at any point of time within one year.