Bank Alfalah Ultra Cashback Card
- APR
- 24% – 36%
- Annual Fee
- $4k
- Rewards
- Up to 7.0%
The Bank Alfalah Ultra Cashback Card offers up to 7% cashback on petrol and 1.5% on all other purchases, credited monthly with no threshold.
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Our Verdict
This card is perfect for frequent petrol users looking to earn cashback without restrictions.
Pros
- Up to 7% cashback on petrol
- 1.5% cashback on all other purchases
- Monthly cashback credited automatically
- Extensive merchant partnerships
- Access to Visa and Amex networks
Cons
- Annual fee of PKR 4,000
- Higher APR range of 24% to 36%
- Limited benefits outside petrol spending
- Not ideal for low spenders
The Bank Alfalah Ultra Cashback Card is designed for users who prioritize fuel expenses, offering 7% cashback on petrol, which can total PKR 12,000 annually. Cashback is credited monthly, making it for users to see their rewards. The card also provides 1.5% cashback on all other purchases, although this is less competitive compared to other cards in the market.
With an annual fee of PKR 4,000, users should assess their spending habits to ensure the card pays off. The APR ranges from 24% to 36%, which is on the higher side, making it less attractive for those who may carry a balance. The extensive merchant partnerships enhance its usability, but rewards are concentrated mainly on petrol.
For those who don't drive often, this card may not deliver enough value. Compared to cards with broader rewards categories, the Ultra Cashback Card may fall short for occasional spenders. Always consider your spending patterns before applying.
More details can be found on the official site.
Who It's For
Ideal for petrol users and cashback enthusiasts who want uncomplicated rewards.
Watch Out
Be mindful of the annual fee and high APR if you carry a balance.
Summary
The Bank Alfalah Ultra Cashback Card is a strong choice for petrol-focused users but may not suit those with varied spending habits.
Best For
Best for individuals who regularly fuel their vehicles and prefer simple cashback rewards.
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What Customers Say
Cardholders appreciate the straightforward cashback structure but are concerned about the high APR.
