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Bank Alfalah’s conventional fee schedule for January 1–June 30, 2025 raised the listed new-acquisition annual fees for Visa Classic, Gold and Platinum cards compared with July–December 2024. Ultra Cashback, Optimus Mastercard and American Express Gold fees were unchanged in that comparison. These are historical schedule amounts, not Bank Alfalah’s current 2026 prices, and the 2025 schedule excludes FED/sales tax.
What changed in Bank Alfalah’s 2025 annual-fee schedule?
The bank’s conventional Schedule of Bank Charges for January 1–June 30, 2025 lists higher new-acquisition annual fees for Visa Classic, Visa Gold and Visa Platinum than the July–December 2024 schedule. The fees for Visa Ultra Cashback, Optimus Mastercard and American Express Gold matched the preceding schedule.
All amounts below are in PKR, as printed in the two Bank Alfalah schedules. The 2025 document labels the Platinum, Gold and Classic amounts as new-acquisition fees. It states that charges exclude FED/sales tax, so the listed fee is not necessarily the full tax-inclusive amount.
| Card and fee category | July–December 2024 | January–June 2025 | Change |
|---|---|---|---|
| Visa Platinum, basic annual fee (new acquisition) | PKR 20,000 | PKR 21,000 | +PKR 1,000 |
| Visa Platinum, supplementary annual fee (new acquisition) | PKR 10,000 | PKR 10,500 | +PKR 500 |
| Visa Gold, basic annual fee (new acquisition) | PKR 10,500 | PKR 11,000 | +PKR 500 |
| Visa Gold, supplementary annual fee (new acquisition) | PKR 5,250 | PKR 5,500 | +PKR 250 |
| Visa Classic, basic annual fee (new acquisition) | PKR 5,000 | PKR 6,000 | +PKR 1,000 |
| Visa Classic, supplementary annual fee (new acquisition) | PKR 2,500 | PKR 3,000 | +PKR 500 |
| Visa Ultra Cashback annual fee | PKR 8,000 | PKR 8,000 | No change |
| Visa Ultra Cashback supplementary annual fee | PKR 4,000 | PKR 4,000 | No change |
| Optimus Mastercard basic annual fee | PKR 13,000 | PKR 13,000 | No change |
| Optimus Mastercard supplementary annual fee | PKR 6,000 | PKR 6,000 | No change |
| American Express Gold basic annual fee | PKR 12,000 | PKR 12,000 | No change |
| American Express Gold supplementary annual fee | PKR 6,000 | PKR 6,000 | No change |
How to interpret the listed fees
Basic and supplementary cards are priced separately
The schedules distinguish fees for a basic card from those for supplementary cards where figures are provided. Compare the row for the card type and holder that applies to you; a supplementary-card fee is not the same as the basic-card fee.
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- QUICK ACCESS: Unlike traditional leather wallet, this mens slim wallet is equipped with the ejection mechanism. Simply press the side button on the card holder, all cards pop up at a step pattern that makes them very easy & convenient to take out.
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- CLEAR ID WINDOW: On the inside of the carbon fiber wallet, which has an ID card holder slot, which allows you to swipe the card without removing the card. It can be used to store ID card, work card, driver license, access card, traffic card, etc.
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New-acquisition rates do not establish every cardholder’s charge
The 2025 schedule explicitly calls the Visa Platinum, Gold and Classic amounts new-acquisition fees. A cardholder’s billed fee can depend on their card variant and applicable account terms. Check the fee entry on your statement and the terms that apply to your card rather than assuming the new-acquisition amount is what you will be charged.
The 2025 schedule is historical
The January–June 2025 document applied to that half-year period; it should not be read as the fee schedule currently in force in 2026. Bank Alfalah’s Schedule of Charges index is the place to find posted schedules. The bank’s current credit-card catalogue lists these card families, while its current American Express Gold page lists PKR 13,000 basic and PKR 6,500 supplementary annual fees. That product-page example differs from the 2025 schedule and illustrates why a historical figure should not be treated as today’s price; confirm the live schedule and your account’s terms.
Rank #2
- SLIM BODY WITH LARGE CAPACITY：This mens wallet measures 4.3 x 3.2 x 0.6 inches and can hold 14 cards and 10+ bills. The slim design makes it perfect for fitting into all kinds of pockets, offering great portability.
- QUICK CARD SLOTS & CASH SLOT：On the front of this minimalist wallet for men, there are 2 quick-access card slots for easy retrieval while traveling or shopping. The cash slot allows you to quickly access and store cash without having to fold bills multiple times.
- DOUBLE ID WINDOWS：This card wallet for men specifically features 2 clear ID windows for holding ID cards and driver's licenses, enabling fast and convenient access to your information.
- FID BLOCKING：This rfid wallet is lined with a special RFID-blocking material that shields against 13.56 MHz and higher frequency signals. This prevents unauthorized scanning and data theft from your chips, offering comprehensive protection for your identity and financial information.
- PERFECT GIFT IDEA FOR MEN：Crafted with high-quality materials, this leather wallet for men combines practicality for mens everyday needs, making it an ideal gift for birthdays, anniversaries, Christmas, Valentine’s Day, Father’s Day, or other special occasions.
Annual-fee reversal terms are separate from the scheduled fee
Paying a scheduled annual fee and qualifying to have some of it reversed are different matters. Bank Alfalah’s posted annual-fee spend reversal criteria are effective January 1, 2026, so they do not establish what reversal policy applied in January 2025.
Under those current criteria, eligible spending must be completed within two months of card activation or the card anniversary date. Basic and supplementary holders have independent criteria, FED is not reversed, American Express cardholders are ineligible under the stated criteria, and Visa Ultra Cashback has a first-year waiver threshold. Check the linked terms for the complete eligibility conditions before relying on a reversal; these current rules should not be applied retroactively to the 2025 schedule.
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Quick Recap
Best Value
- Refined Material: Crafted with high-quality vegan leather, the Chelmon women's bifold wallet feels great to the touch. The zipper and stitching have undergone rigorous testing to ensure exceptional durability
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Rank #4
- QUICK CARDS ACCESS: This minimalist wallet for men features a smooth pop-up mechanism. Just press the side button, and the cards slide out in a stepped layout for easy access.
- SLIM BODY WITH LARGE CAPACITY: Despite being slim at only 0.6 inches thick, this card wallet for men can hold 10-12 cards. The aluminum chamber holds 6-8 and the leather flap holds 4 (2 ID windows included). The money clip on the back holds 10+ bills.
- DOUBLE ID WINDOWS: KAFELLON designed the first pop up wallet on the market with 2 ID windows, based on real user needs. It's perfect for holding your ID and driver's license for quick access and quick view.
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Rank #3
- Material: Genuine leather and PVC card slots.
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Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
