• QR Code Alfa Credit Card Installments
ALFA BNPL VIA QR

INSTALLMENT PLAN FOR BANK ALFALAH CREDIT CARD HOLDERS ONLY

Empowering customers with instant installment flexibility.

With Alfa Buy Now - Pay Later (BNPL), eligible customers can scan a QR code at participating merchants and split their purchases into easy monthly installments.

Make your purchases easier with flexible installment options available for eligible Bank Alfalah credit card customers through Alfa BNPL via QR.

How It Works

Scan

Scan the merchant's QR code using the Alfa app.

Select Your Plan

Select your preferred installment plan from the available tenures.

Confirm

Confirm the transaction and complete your purchase.

Pay Later

Pay your purchase in convenient monthly installments according to the selected plan.

Installment Plan Options

Tenure Processing Fee Markup
3 Months 6% 0%
6 Months 10% 0%
9 Months 13% 0%
12 Months 18% 0%
18 Months 18% 7%

Highlights

Zero markup for plans up to 12 months

Instant approval at point of sale

No documentation required

Convenient tracking through the Alfa app dashboard

Scan & Pay with Alfa QR

Alfa QR Payment

Terms and Conditions

  • Pay in installments option by scanning QR will only be available for eligible credit card customers.
  • Installments are available for transactions above PKR 3,000.
  • The credit card limit equal to the transaction amount will be locked for the selected tenure.
  • Customer will receive confirmation SMS.
  • No markup will be charged.
  • Processing fees may apply according to the selected installment plan.

Frequently Asked Questions

No markup is charged by the company. However, a processing fee may be applied by the partner bank according to the selected installment plan.

The processing fee depends on the selected installment tenure:

  • 3 Months – 5.5% of the total transaction amount
  • 6 Months – 8% of the total transaction amount
  • 9 Months – 10% of the total transaction amount
  • 12 Months – 12% of the total transaction amount

The fee is calculated on the full transaction value at the time of installment conversion.

No additional documentation is required. Customers within Karachi may receive same-day delivery subject to order confirmation timing. Orders outside Karachi are typically delivered the next working day.
The first installment serves as the advance payment. No separate upfront amount is required beyond this.
The QR-based installment facility is exclusively available for eligible partner bank credit card holders. Alternative installment methods may be available depending on customer location.