PRODUCT GUIDE

ALTERNATE DELIVERY CHANNELS

S. No. Product & Services Features Pricing (PKR)
Supplementary Cards Head GOLD SILVER
- Up to 5 Supplementary Card for GOLD category Head SILVER
- Up to 2 Supplementary Cards for SILVER category -Annual Fee - Primary
Head 750 450
SILVER
Issuance Fee Basic Card GOLD
750 450
Cash Withdrawal -Annual Fee - Supplementary 375 225
- Cash Withdrawal of Rs. 50,000 per day for Silver Card Issuance Fee Supplementary Card GOLD
375 225
- Cash Withdrawal of Rs. 75,000 per day for Gold Card Renewal Fee Basic Card 750 450
Renewal Fee Supplementary Card 375 225
POS Transaction Facility (Local & International) -Replacement Fee 550 300
- POS Transaction Rs. 100,000 per day for Silver Card
- POS Transaction Rs. 200,000 per day for Gold Card -Reissuance of ATM PIN 100 100
IBFT charges 50 per transaction
VISA Debit Card Funds Transfer Facility -Local ATM Cash Withdrawa( 1 link/ MNET) 15
(SILVER & - Funds Transfer across accounts Rs. 100,000 per day for Silver Card
GOLD)VISA Debit -Local Balance inquiry charges (MNET & 1Link) 5
- Funds Transfer across accounts Rs. 150,000 per day for Gold Card
Card
1 (SILVER & - Bill Payment Facility
GOLD)VISA Debit - International ATM Withdrawal Charges 200 or 2% of trxn amount, whichever is
- Balance Inquiry higher
Card - Cheque Book RequestSupplementary Cards
(SILVER & GOLD) - Up to 5 Supplementary Card for GOLD category
- Up to 2 Supplementary Cards for SILVER category
- International POS Transaction Charges 2.5% of trxn amount

Cash Withdrawal - International Balance Inquiry Charges 35

- Cash Withdrawal of Rs. 50,000 per day for Silver Card
- Cash Withdrawal of Rs. 75,000 per day for Gold Card
- Visa Arbitration charges At actuals

POS Transaction Facility (Local & International)

- POS Transaction Rs. 100,000 per day for Silver Card - Charge on Foreign transactions 2.5% on Transaction Amount
- POS Transaction Rs. 200,000 per day for Gold Card

Funds Transfer Facility

- Funds Transfer across accounts Rs. 100,000 per day for Silver Card
- Funds Transfer across accounts Rs. 150,000 per day for Gold Card Head Current A/C Saving
A/C
'- Supplementary Cards
Bill Payment Facility Saving
- -Balance
Up to 3Inquiry
Supplementary Cards against single primary card - Annual Fee - Primary Free 200
A/C
- Cheque Book RequestSupplementary Cards Head Current
Rs. 200/- (for saving accounts only)
- Up to 5 Supplementary Card for GOLD category Issuance Fee Basic Card A/C
-Cash
Up toWithdrawal FacilityCards for SILVER category
2 Supplementary
- Cash Withdrawal of Rs. 40,000 per day - Annual Fee - Supplementary Free 100
Rs. 100/- (for saving accounts only)
Cash Withdrawal - Issuance Fee Supplementary Card
POS Transaction
- Cash Facility
Withdrawal of Rs.(Local
50,000&per
International)
day for Silver Card
- POS
CashTransaction
WithdrawalRs. 100,000
of Rs. 75,000per day
per day for Gold Card - Replacement Fee - Primary 300 300
- Replacement Fee - Supplementary 300 300
Funds Transfer Facility
POS Transaction Facility (Local & International) - Reissuance of ATM PIN 100 100
- Funds Transfer across
POS Transaction accounts
Rs. 100,000 perRs. 100,000
day perCard
for Silver day Rs. 200/- (for saving accounts only)
- POS Transaction Rs. 200,000 per day for Gold Card Renewal Fee Basic Card
- Bill Payment facility
- Balance Inquiry Rs. 100/- (for saving accounts only)
Renewal Fee supplementary Card
UnionPay Debit Card -Funds
Cheque Book Request
Transfer Facility
(Normal & - Funds Transfer across accounts Rs. 100,000 per day for Silver Card - IBFT charges 50 per transaction
2 APNA)UnionPay - Funds Transfer across accounts Rs. 150,000 per day for Gold Card
Debit Card - International ATM Withdrawal Charges 200 or 2% of trxn amount, whichever is
higher
(Normal & APNA) '- Supplementary Cards
Bill Payment Facility
- -Balance
Up to 3Inquiry
Supplementary Cards against single primary card
- Cheque Book Request - International POS Transaction Charges 2.5% of trxn amount
Cash Withdrawal Facility - International Balance Inquiry Charges 25
- Cash Withdrawal of Rs. 40,000 per day - Local ATM Cash withdrawal (1-Link/MNET) 15
- Local Balance Inquiry(MNET) 5
POS Transaction Facility (Local & International) - Cash withdrawal- BAHL ATM NIL
- POS Transaction Rs. 100,000 per day - International Balance Inquiry 35
- Charge on foreign Transactions 2.5% on Transaction amount
Funds Transfer Facility
- Funds Transfer across accounts Rs. 100,000 per day - Utility Bill/Mobile Bill Payment NIL
- Bill Payment facility - Funds Transfer to any account within Bank NIL
- Balance Inquiry - Local Charge Back Request At Actuals
- Cheque Book Request - Local Retrieval Request At Actuals
- International Retrieval Request At Actuals
- International Charge Back Request At Actuals
3 Private Label (ATM) Cash Withdrawal Head Current A/C Saving
Card -Cash Withdrawal of Rs. 40,000 per day A/C
300
- Replacement Fee - Primary 300
POS Transaction Facility - PIN Based (ORIX Terminals Only)
- POS Transaction Rs. 25,000 per day - Reissuance of ATM PIN 100 100
- IBFT charges 50
-Intra Switch Transaction: 1 Link Cards on 1 Link Rs15 per transaction
Funds Transfer Facility ATM's
- Funds Transfer across accounts Rs. 100,000 per day
-Inter Switch Transaction: Acquirer: MNET & Issuer:
- Bill Payment Facility 1 Link Switch Transaction: Acquirer:1 Link & Issuer:
-Inter
- Balance Inquiry MNET
- Cheque Book Request Rs15 per transaction

Cash Withdrawal Head saving

-Cash Withdrawal of Rs. 20,000 per day

Replacement Fee Primary
300
Young Savers - Balance Inquiry
4
Account Reissuance of ATM PIN
300

Issuance of ATM Pin

Free

Supplementary Cards: Head Fee

Up to 3 Free Supplementary Cards against single primary card -Joining Fee Nil
Joining and Annual Fee Waived -Annual Fee - Green/ Gold Nil
Low Financial Charges -Supplementary - Fee Nil
60% Cash Advance -Replacement Fee 500
Free SMS Alerts -Over-Limit Fee 500
Free e-Statement -Cash Advance Fee 3% of transaction amount or Rs. 500
Free internet Banking (whichever is higher)
Master Credit Card Reward Program
5 (Green & Gold)
-Late Payment Fee 10% of minimum payment due or Rs. 500
(whichever is higher)

-PIN Replacement Fee 500

-Cheque Return Fee 200
- Addtional Charges on Foreign Exchange Rate 2.5%
-Credit Card APR 25% p.a
-Sales slip Retrieval Charges(local) At actual
-Sales slip Retrieval Charges(International) At actual
Supplementary Card: Current
-No supplementary card option Head Saving Account
Account
Cash Withdrawal Facility: Annual Fee Primary Rs.400
-Cash withdrawal of Rs. 40,000 per day.
Issuance Fee Basic Card Rs.400
POS Transaction Facility (Local)-Pin based: POS transaction Rs. 100,000 per day. Replacement Fee (For All Cards) Rs. 300/- Rs. 300/-
Reissuance of ATM PIN Rs. 100/- Rs. 100/-
Funds Transfer Facility: Funds transfer across bank account Rs. 100,000 per day.
- Bill payment facility Renewal Fee (For All Cards) Rs.400
- Balance enquiry IBFT Charges Rs. 50/-
- Cheque book request
6 PAY PAK Debit Card Local ATM Cash Withdrawal (1Link/MNET) Rs. 15/-
Note: Local Balance Inquiry (1Link/MNET) Rs. 5/-
1) All PayPak transactions will be PIN-based for ATM and POS Cash Withdrawal BAHL _ ATM NIL
2) The card can be used on both ATMs and POS in the domestic market (Pakistan only)
3) BAHL is offering PayPak on all account types except YSA
Funds Transfer to any Account within Bank NIL

Local Chargeback Request At Actual

Local Retrieval Request At Actual

Call Centre/IVR - Account Balance Inquiry and Mini Statement

- Private Label Card/Debit Card/Credit Card/Mobile Banking/Net Banking Activation
- PIN Generation for Visa Debit Card/Private Label Card/Net Banking/Mobile Banking
- Blocking of ATM/Debit Card/Credit Card
- General Banking Queries
7 - ATM & Branch Location Information
- Information about Home Remittances via PRI Module

Account:
Head Fee
all account summary
account details
account activity

term deposit details

term deposit activity

funds transfer:

to my bahl account
to any bahl account
inter bank funds transfer
add/remove beneficiary
view limit utilization
pending transfer

bill Payment:

pay bill
register biller

exchange rate inquiry

profit rate inquiry casa
atm and branch locators
FAQs

credit cards:
credit cards inquiry
credit cards payments

Other services:

collection and remittances

domestic collection inquiry
Internet Banking financial pin
8
(iBanking) mailbox Inter Bank Fund Transfer facility Rs. 50 per Transaction
transactions Cheque Book Rs. 8.5 per leaf
cheque status inquiry
reset security question
cheque book request
account statement request
preferences: Set User id, set landing page, set as favourites, theme selection, help, search bar, sitemnap,primt option,
change pasword, set favourite accounts and nick names
dashboard widget management
session summary
 exchange rate inquiry
profit rate inquiry casa
atm and branch locators
FAQs

credit cards:
credit cards inquiry
credit cards payments

Other services:

collection and remittances

domestic collection inquiry
Internet Banking financial pin
8
(iBanking) mailbox Inter Bank Fund Transfer facility Rs. 50 per Transaction
transactions Cheque Book Rs. 8.5 per leaf
cheque status inquiry
reset security question
cheque book request
account statement request
preferences: Set User id, set landing page, set as favourites, theme selection, help, search bar, sitemnap,primt option,
change pasword, set favourite accounts and nick names
dashboard widget management
session summary

Account Balance Inquiry Head Fee

Mobile Banking View Account Details
(Agile) / Internet View Account Statement
Banking (iBanking) View Term Deposits
Fund Transfer
Add Beneficiary
Add Biller
Credit Card Payment
Credit Card Transaction Details
Cheque Book Request
Cheque Status Inquiry
ATM & Branch Locator
Transaction Activity
Favorites
Change Password Inter Bank Fund Transfer facility Rs. 50 per Transaction
Complaints Cheque Book Rs. 8.5 per leaf
SMS Alert
Contact Us
Note:
•For Mobile Application Service, Active Internet Banking is Mandatory
•This section will be updated again after customer launch

7 Mobile Banking - Account Balance Inquiry Head Fee

(USSD Model) - Account Mini Statement (Previous Eight Transactions)
- U Services (Ufone Pre & Post Pay Top-ups & Bills) -Mobile Banking Service Fee NIL

- Bills Payment
-Inter-Bank Funds Transfer via Mobile Banking 50 per transaction
Funds Transfer

-BAHL to BAHL Funds Transfer Facility

- Inter Bank Fund Transfer Facility -Re-Issuance of Mobile Banking PIN 100
Note:
For Mobile Banking Service ATM/Debit Card is mandatory

SMS Alerts Head Fee

Value added Alert
Credit Transaction (Cash Deposit)
Debit Transaction (Cash withdrawal)
Debit Transaction (Fund transfer)
Credit Transaction (Fund Transfer)
Clearing Inward
Clearing Outward
Clearing Inward Return
Clearing Outward Return
Stop Payment
Cheque Book Issuance
Cheque Book Cancellation
Pay order / Bankers Cheque Readiness
SMS Alert on Birthday
Generation of Statement of Account
Address change
Seasonal Greetings
Account Status Alert on Dormant/About to Dormant/Activation After Dormancy
Closed Accounts
SMS Alert before One month CNIC Expiry
Regular SMS Alerts & ADC Other SMS Alerts
All Branch Banking Transaction SMS Alerts
- Mandatory/ Informational & Security alerts
- Generation of Credit Card Statement of Account
- ATM/Debit Card Production
- ATM/Debit PIN Change on ATM
- Bill Payment /IBFT/FT SMS Alert
- Complaint Launch & Close from Call Center
All Branch Banking (Debit / Credit) Transaction [Rs, 500 &
- ATM Debit Card Replacement Request from Call Center above]
- ATM Debit Card Replacement Request from Call Center 50/= per Month
- Direct Debit Registration, Cancellation, Successful/Un Seccessful Transaction, Insufficient
8 SMS Alerts Balance, Capping Amount,Removal & Modification of Capping Amount
- ATM/Debit Card, Credit Card, Mobile Banking, Internet banking Activation Alert
NetBanking Password Generation & Regeneration
NetBanking Generation
Net Banking Password Change on NetBanking Branch Banking (Debit / Credit) Transactions [Rs, 25,000 &
Financial Pin above]
Netbanking login Alerts No Charges
CMU Cash,Return Direct Credit CMU
Home Remittance Cash Transactions
Captured Card Alerts

CORPORATE ACCOUNT:
Corporate accounts not available

9 E-Statement - Free of Cost Service

- Receive Bank Account Statements at your Registered Email - Free of Cost Service
- Receive Bank Account Statements at your Registered Email
10 Direct Debit Facility - Automatic recurring payments for all bills and top-ups Head Fee
(Bill-Payment)Direct Fee
Debit Facility - Payments get automatically withdrawn from your bank account Head
(Bill-Payment) - For Electricity, Gas and Telephone bills, you have the option to restrict the maximum amount of bill to be paid -Registration Fee NIL
-Each Successful Transaction 25
- Automatic recurring payments for all bills and top-ups -Unsuccessful Transaction due to insufficient funds 25
- Payments get automatically withdrawn from your bank account
- For Electricity, Gas and Telephone bills, you have the option to restrict the maximum amount of bill to be paid

11 Utility Bills and School Fee Service Charges Rs. 25/- NIL
Other Payment Direct Debit Facility
Charges a. Registration NIL
b. Each successful transaction Rs. 25/-
c. Un-successful transaction due to insufficient funds Rs. 25/-Rs. 25/-
School Fee Service Charges
Direct Debit Facility NIL
a. Registration Rs. 25/-
b. Each successful transaction Rs. 25/- HEAD FEE
AGILE/ INTERNETtransaction
c. Un-successful BANKING/ATM
due to insufficient funds
Electricity/GAS/Water Companies: KE, LESCO, , HESCO,GEPCO,MEPCO, SEPCO,PESCO
SSGC, SNGPL,KWSB,FWASA
School and Colleges: Karachi Public, Habib Public, Habib Girls, LUMS, LUMS / BSS (Beacon house School) Rs.20/- per transaction
Aitcheson College, BSS  Karachi Public / Aitchison Col-lege / Habib
PTCL: LandLine, Evo Prepaid, Evo Post Paid, Defaulter, Vfone Public / Habib Girls School Free
Insurance Companies: Jubilee Life Insurance, ALICO,EFU
Internet Companies: Wateen, Witribe, Qubee, Qubee distributor, World Call, NAYATEL Wateen / Witribe / Qubee Rs.7/- per transaction
Airlines: Shaheen Airlines  Nayatel  Rs. 15/- per transaction
Clubs: Creek Club , Karachi Club, Karachi Boat Club, Dreamworld
Mobile Top-ups (Prepaid and Postpaid) UFONE , UFONE Franchise, Warid ,Zong , Telenor , Mobilink ,One Load  World Call  Rs. 12/- per transaction
Fertilizer: ENGRO Asset Management Companies Rs.40/- per transaction
DONATION: TCF Askari Investments  Rs.25/- per transaction
Online Shopping: Daraz.pk
Asset Management Companies: UBL FUND Management, Askary Investment, MCB Arif Habib  MCB Arif Habib Investments 0.75% of the ticket amount
TAX: Sindh Worker Welfare Fund Shaheen Air International Rs.7/- per transaction
12 UBPS Ufone / Warid  2% of the transaction amount
USSD  Zong  Prepay 2% of the transaction amount
Ufone / Warid, Zon, Telenor / MobiliK, One LoadWateen / Witribe / QubE,Nayatel, World CallElectricity/Gas/Water/PTCL:  Telenor / Mobilink  Post-pay Rs.7/- per transaction
 One Load  Rs.25/- per trans-action
DIRECT DEBIT:- Curently billing companies are (K-Electric,LESCO,SSGC,SNGPL,PTCL,Warid,UFONE,Telenor, Zong, (Post /Pre
paid), Wateen,Wi-Tribe) Wateen / Witribe / Qubee Rs.7/- per transaction
AGILE/ INTERNET BANKING/ATM  Nayatel  Rs. 15/- per transaction
Electricity/GAS/Water Companies: KE, LESCO, , HESCO,GEPCO,MEPCO, SEPCO,PESCO
SSGC, SNGPL,KWSB,FWASA  World Call  Rs. 12/- per transaction
School and Colleges: Karachi Public, Habib Public, Habib Girls, LUMS,
Aitcheson College, BSS
PTCL: LandLine, Evo Prepaid, Evo Post Paid, Defaulter, Vfone
Insurance Companies: Jubilee Life Insurance, ALICO,EFU
Internet Companies: Wateen, Witribe, Qubee, Qubee distributor, World Call, NAYATEL Direct Debit Rs. 25/- per transaction
Airlines: Shaheen Airlines
Clubs: Creek Club , Karachi Club, Karachi Boat Club, Dreamworld
Mobile Top-ups (Prepaid and Postpaid) UFONE , UFONE Franchise, Warid ,Zong , Telenor , Mobilink ,One Load
Fertilizer: ENGRO
DONATION:
Inter TCF Transfer
Bank Fund HEAD FEE
Online Shopping: Daraz.pk
AssetisManagement
IBFT Companies:
available on following UBL FUND Management, Askary Investment, MCB Arif Habib
banks
TAX: Sindh Worker Welfare Fund
(ALBARAKA , ALLIED BANK LIMITED, APNA MICROFINANCE BANK, ASKARI BANK LIMITED, ADVANS MICROFINANCE BANK,
BANK ALFALAH LIMITED, BANK ISLAMI , BANK OF PUNJAB, BURJ BANK LIMITED, CITIBANK, DUBAI ISLAMIC BANK, FAYSAL,
USSD LIMITED, FINCA, FIRST WOMEN BANK, HABIB BANK LIMITED, HABIB, METROPOLITAN BANK, ICBC, JS BANK LIMITED,
BANK
UfoneBANK
KASB / Warid, Zon, Telenor
LIMITED, MUSLIM / MobiliK, One LoadWateen
COMMERCIAL / Witribe
BANK , MEEZAN, BANK/ QubE,Nayatel, WorldMICROFINANCE
LIMITED, MOBILINK CallElectricity/Gas/Water/PTCL:
BANK, NIB BANK
LIMITED, NRSP, SAMBA,STANDARD CHARTERD BANK, SILK BANK,SINDH BANK, SONERI BANK, SUMMIT BANK, TELENOR
13 IBFT DIRECT DEBIT:- Curently
MICROFINANCE billing
BANK LTD, companies areBANK,
U MICROFINANCE (K-Electric,LESCO,SSGC,SNGPL,PTCL,Warid,UFONE,Telenor,
UNITED BANK LIMITED) Zong, (Post /Pre 50/= per transaction
Inter Bank Fund Transfer facility
paid), Wateen,Wi-Tribe)