FBL Noor Card FAYSAL ISLAMI GOLD CARD

Card Number
Adnan Farid
5399-XXXX-XXXX-5025

Statement Date Overall Limit APR Musawamah Payment * Payment Required Date
Oct 08, 2023 60,000.00 40.00% 1,700.00 Oct 27, 2023

New Activity Total US$ Purchase Accrued Profit Total Payment Required Minimum Payment Required
1,276.00 0.00 0 1,274.68 1,000.00

Message Of The Month

Dear Customer, Faysal Bank has revised its Schedule of Charges effective from 1st Jan 2023. For details, please visit www.faysalbank.com or call at 021
111 06 06 06.

For more details please call at 111-11-71-71

Transaction Date Posting Date Description / Reference Amount US$ Amount PKR
Opening Balance -1.32
5399-XXXX-XXXX-5025
08-Oct-2023 08-Oct-2023 CHIP FEE 0.00 1,100.00
08-Oct-2023 08-Oct-2023 FED ON FEE/CHG 0.00 176.00

Total Sum Of Transactions for : 5399-8901-9770-5025 0.00 1,276.00

Closing Balance as on : October 8, 2023 1,274.68

Your remaining balance of all installment plans (PIP) = Rs.

Reward Points
Opening Balance Points Earned Points Redeemed/Donated Points Adjusted/Bonus Points Expired Points Available
762.46 0.00 0.00 0.00 0.00 762.46

* In case of delay from Payment Required date or Payment less than minimum payment required, the Bank at its sole discretion may recover
the Musawamah Payment.

Disclaimer Statement

This communication/Message (including any attachments) may contain information that is privileged and/or confidential under applicable laws.
If you are not the intended recipient or such recipient's employee or agent, you are hereby notified that any dissemination, copy or disclosure of this
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delete this communication without making any copy. Any unauthorized use or communication of this communication/message in whole or in part is strictly
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Faysal Bank Limited, shall not be liable for the improper or incomplete transmission of the information contained in this communication nor for any delay in its
receipt or damage to your system. Faysal Bank Limited does not guarantee that the integrity of this communication has been maintained nor that this
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Any unauthorized form of reproduction of this message may result in disciplinary and legal action.

Page 1 of 1
For further details visit us at www.faysalbank.com
UNDERSTANDING YOUR STATEMENT
To make Payments to your Faysal Islami Noor Account
You may make payments to your Faysal Islami Noor account through:
(1) Cheque deposited at any of our drop box locations.
• Cheques drawn on a bank outside the city should be dropped
at least 7 working days before the payment due date.
• Cheques drawn on a bank within the city should be dropped at
least 3 working days before the payment due date.
• Make Cheques payable to Faysal Islami Noor cards, marked
“A/C Payee Only” and payable in Pakistani Rupees.
• Please write your Faysal Islami Noor Card Number and your full
name on the back of the cheque, and always return your
payment coupon (the lower portion of your statement) together
with your Payment.
• Cheque return charges will be charged as per the Schedule of
Charges in case of a returned Cheque.
• Please do not send cash in the payment envelope.
(2) Pay Orders.
(3) Cash payment over the counter at any of our branches.
You can also call our Contact Centre at 021 111 06 06 06 for:
(4) Funds transfer if you have an account with FBL
(5) Full or minimum payment via auto debit option if you have an
account with FBL.
(6) If you are living outside Pakistan, we recommend you to make
the payment by telegraphic transfer (charges applicable as per the
Schedule of Charges) through a local bank in Pakistani Rupees.
(7) You can pay your bill through FBL and other bank’s Internet
Banking, Mobile App and ATMs using 1Bill services.
Payment Options
You may pay any amount between the Minimum Payment Required and
the Total Payment Required on your Faysal Islami Noor card statement,
however you must pay at least the minimum payment amount on or
before the payment required (due) date (3 or 7 working days as
applicable) to avoid Musawmah payment, as per the Schedule of
Charges. If you have booked an Installment Plan, then your remaining
installment amount will not be included in the “Total Payment Required”
amount and will appear separately on your statement.
Musawamah (Delayed) Payment
In the event of delay in payment, beyond due date or payment made
less than Minimum Payment Required, FBL at its sole discretion may
demand the Musawmah payment amount, through Monthly Card
Statement, as per Bank’s applicable Schedule of Charges.
Cash Withdrawal
Cardmember may use the Card to obtain Cash Withdrawal up to the limit
decided by the Bank from time to time.
Other Charges
Please refer to Faysal Islami Noor card Terms and Conditions and the
Islamic Schedule of Charges for details of other charges applicable
(also available on Bank Website) to your Faysal Islami Noor account.
Monthly Statement
All transactions made by you and the Supplementary Cardmember(s) if
any, and fee / Accrued profit on your MasterCard will be listed on your
monthly statement. In case you have not received your monthly statement
within 14 days of the statement date, please call our Contact Centre for
statement details and send your payment before the required (due) date
(3 or 7 working days as applicable in case of cheque payment) to avoid
Musawamah payment / Accrued profit . However, Faysal Bank will not in
any manner be liable for any loss and / or damage suffered by the
Cardmember by late delivery of the monthly statement.
Foreign Airline Tickets
If you use your Faysal Islami Noor card to pay for any foreign airline
tickets, the amount that you signed for on the receipts / sales slips may
(History)‫ﺟﺎﺳﮑﺘﮯ ﮨﯿﮟ۔اس ﮐﮯ ﻋﻼوہ ﮐﻨﺰﯾﻮﻣﺮ ﻗﺮﺿﻮں ﯾﺎ ﻣﺎﻟﯽ ﺳﮩﻮﻟﯿﺎت ﮐﮯ ﻣﻌﺎﻣﻠﯿﻤﯿﮟ ڈﯾﻔﺎﻟﭧ ﮐﯽ ﺗﺎرﯾﺦ‬
‫ڈﯾﻔﺎﻟﭧ ﮐﯽ ﮔﺌﯽ رﻗﻢ ﮐﯽ اداﺋﯿﮕﯽ ﮐﮯ ﺑﻌﺪ ﺑﮭﯽ اﯾﮏ ﻣﺨﺼﻮص ﻣﺪت ﺗﮏ ﺑﺮﻗﺮار رﮐﮭﯽ ﺟﺎﺋﮯ ﮔﯽ۔‬
‫ﺳﮯ ﻣﺘﻌﻠﻖ ﻣﺰﯾﺪ ﻣﻌﻠﻮﻣﺎت ﮐﮯ ﻟﯿﮯ درج ذﯾﻞ وﯾﺐ ﺳﺎﺋﭧ ﻣﻼﺣﻈﮧ ﮐﺮﺳﮑﺘﮯ ﮨﯿﮟ۔‬eCIB
www.sbp.org.pk/ecibhelpdesk
‫ﻓﯿﮉرل اﯾﮑﺴﺎﺋﺰڈﯾﻮﭨﯽ‬
‫ﻓﯿﮉرل اﯾﮑﴪ ﺳﺎﺋﺰ ڈﯾﻮﭨﯽ وﻏﯿﺮہ ﺟﻮ ﮐﮧ ﻓﯿﮉل‬،‫ﭨﯿﮑﺴﺰ‬،‫ﮨﺮ ﻗﺴﻢ ﮐﯽ ﺣﮑﻮﻣﺘﯽ اﯾﮑﺴﺎﺋﺰ اور اﺳﭩﯿﻤﭗ ڈﯾﻮﭨﯿﺰ‬
(‫ﮐﮯ ﺗﺤﺖ ﻋﺎﺋﺪ ﮐﺌﮯ ﮔﺌﯿﮩﯿﮟ اور ﺑﯿﻨﮏ ﮐﮯ متﺎم ﭼﺎرﺟﺰ)اﮔﺮ ﮐﻮﺋﯽ ﮨﻮں‬2005 ‫اﯾﮑﺴﺎﺋﺰ ڈﯾﻮﭨﯽ اﯾﮑﭧ‬
‫ﺻﺎرف ﮐﮯ اﮐﺎؤﻧﭧ ﺳﮯ ﮐﯿﮯ ﺟﺎﺋﯿﮟ ﮔﮯ اور ﻧﺎﻗﺎﺑﻞ واﭘﺴﯽ ﮨﻮں ﮔﮯ۔‬
‫ﭘﯿﭩﺮول ﭘﻤﭗ ﭘﺮ ﺧﺮﯾﺪاری‬
‫ﮨﺰار ﺗﮏ ﮨﮯ۔‬20‫ﭘﯿﭩﺮول ﭘﻤﭗ ﭘﺮ ﻓﯿﻮل ﮐﯽ ﺧﺮﯾﺪاری ﮐﯽ ﻣﺪ ﻣﯿﮟ اﯾﮏ دن ﮐﯽ زﯾﺎدہ ﺳﮯ زﯾﺎدہ ﻣﯿﻌﺎد‬
‫ﻓﯿﺼﻞ اﺳﻼﻣﯽ ﻧﻮر اﮐﺎؤﻧﭧ ﻣﯿﮟ ﴐورت ﺳﮯ زاﺋﺪ رﻗﻢ‬
‫ﺑﺮاﺋﮯ ﮐﺮم ﻓﯿﺼﻞ اﺳﻼﻣﯽ ﻧﻮر اﮐﺎؤﻧﭧ ﻣﯿﮟ واﺟﺐ اﻻداء رﻗﻢ ے زاﺋﺪ رﻗﻢ ﺟﻤﻊ ﻧﮧ ﮐﺮاﺋﯿﮟ۔ ﺟﻤﻊ ﮐﯽ زاﺋﺪ‬
‫رﻗﻢ اﺳﭩﯿﭧ ﺑﯿﻨﮏ ﮐﮯ ﺿﺎﺑﻄﮧ ﮐﺎر ﮐﯽ ﺧﻼف ورزی ﮨﮯ۔ ﺑﺼﻮرت دﯾﮕﺮ ﺑﯿﻨﮏ ﻓﯿﺼﻞ اﺳﻼﻣﯽ ﻧﻮر اﮐﺎؤﻧﭧ‬
‫ﻣﯿﮟ ﻣﻮﺟﻮد زاﺋﺪ رﻗﻢ ﺑﺬرﯾﻌﮧ ﭘﮯ آرڈر آﭘﮑﻮ واﭘﺲ ﮐﺮﺳﮑﺘﺎ ﮨﮯ ﭘﮯ آرڈر ﮐﮯ ﭼﺎرﺟﺰ ﮐﯽ ﮐﭩﻮﺗﯽ ﮐﮯ‬
‫ﺑﻌﺪ)ﺑﯿﻨﮏ ﭼﺎرﺟﺰ ﮐﮯ ﺷﯿﮉول ﮐﮯ ﻣﻄﺎﺑﻖ(۔‬
‫ﻏﯿﺮ ﻣﻄﻤﱧ ﺣﻞ‬
‫ﮐﺴﯽ ﺑﮭﯽ ﻏﯿﺮ ﺗﺴﻠﯽ ﺑﺨﺶ ﺻﻮرت ﻣﯿﮟآپ ﺑﯿﻨﮑﻨﮓ ﻣﺤﺘﺴﺐ ﭘﺎﮐﺴﺘﺎن ﺷﺎﮨﯿﻦ ﮐﯿﻤﭙﻠﮑﺲ اﯾﻢ آر ﮐﯿﺎﻧﯽ‬
‫روڈ ﮐﺮاﭼﯽ ﮐﻮ ﺑﺬرﯾﻌﮧ ﺗﺤﺮﯾﺮآﮔﺎہ ﮐﺮﺳﮑﺘﮯ ﮨﯿﮟ ﯾﺎﮨامری وﯾﺐ ﺳﺎﺋﭧ وزٹ ﮐﺮﯾﮟ۔ ﭨﯿﻠﯽ‬
www.bankingmohtasib.gov.pk:‫ وﯾﺐ ﺳﺎﺋﭧ‬+9221-99217334-38:‫ﻓﻮن‬
‫ﻣﻨﺎﻓﻊ ﮐﯽ وﺻﻮﻟﯽ ﮐﯽ وﺿﺎﺣﺖ‬
‫ﺧﺮﯾﺪاری ﭘﺮ ﮐﺴﯽ ﻣﻨﺎﻓﻊ ﮐﺎ ﻣﻄﺎﻟﺒﮧ ﻧﮩﯿﮟ ﮐﯿﺎ ﺟﺎﺋﮯ ﮔﺎ ﺟﺐ ﺗﮏ ﮐﮧ ﮨﺮ‬/‫ﮐﺴﯽ ﻧﺌﮯ رﭨﯿﻞ ﮐﯽ ﻟﯿﻦ دﯾﻦ‬
‫ﺑﻠﻨﮓ ﺳﺎﺋﯿﮑﻞ ﮐﯽ ﻣﻄﻠﻮﺑﮧ ﺗﺎرﯾﺦ ﺗﮏ ﮐﻞ ﻣﻄﻠﻮﺑﮧ اداﺋﯿﮕﯽ ﻣﮑﻤﻞ ﻃﻮر ﭘﺮ ﮐﺮدی ﮔﺌﯽ ﮨﻮ اور ﭘﭽﮭﻠﮯ‬
‫ﻣﮩﯿﻨﻮں ﮐﮯ ﺑﻘﺎﯾﺎ ﺟﺎت ﮐﻮ ﻧﺌﮯ ﺣﺴﺎب ﻣﯿﮟ ﻧﮧ ڈاﻻ ﮔﯿﺎ ﮨﻮ۔‬
‫ﺑﯿﻠﻨﺲ ﭨﺮاﻧﺴﻔﺮ‬/‫رﻗﻢ ﻧﮑﻠﻮاﻧﺎ‬/‫ﺧﺮﯾﺪاری‬/‫رﭨﯿﻞ ﻟﯿﻦ دﯾﻦ‬
‫ﭘﺮاڈﮐﭧ ﮐﯽ ﺗﻔﺼﯿﻼت‬
‫ﻗﺴﻄﻮں ﭘﺮ ﺑﮑﻨﮓ‬
(‫ﻟﯿﻦ دن ﮐﯽ ﺗﺎرﯾﺦ)ﺟﺒﮑﮧ ﻣﺪت ﻣﯿﻌﺎد ﮐﮯ اﻧﺪر ﻣﮑﻤﻞ اداﺋﯿﮕﯽ ﻧﮧ ﮐﯽ ﮔﺌﯽ ﮨﻮ‬
‫اﺑﺘﺪاء‬
‫اﻗﺴﺎط ﮐﯽ درﺧﻮاﺳﺖ ﮐﯽ اﮔﻠﯽ ﺑﻠﻨﮓ ﺳﺎﺋﯿﮑﻞ ﺳﮯ‬
‫ﻣﮑﻤﻞ اداﺋﯿﮕﯽ ﺗﮏ‬
‫اﻧﺘﮩﺎء‬
‫ﻗﺴﻄﻮں ﭘﺮ ﺑﮑﻨﮓ‬
‫ﻣﻨﺎﻓﻊ ﮐﺎ ﺣﺴﺎب وﮐﺘﺎب‬
‫آپ ﮐﮯ ﺑﻘﺎﯾﺎ ﺟﺎت ﭘﺮ ﺑﯿﻨﮏ ﭼﺎرﺟﺰ ﮐﮯ ﺷﯿﮉول ﮐﮯ ﻣﻄﺎﺑﻖ ﴍح ﻣﻨﺎﻓﻊ ﻻﮔﻮ ﮨﻮﮔﯽ۔ ﻣﺜﺎل ﮐﮯ ﻃﻮر ﭘﺮ اﮔﺮ‬
‫ﺟﻨﻮری ﮐﻮ آپ ﮐﺎ ﮔﻮﺷﻮارہ ﺑﻨﺎﯾﺎ‬20 ‫ﻧﻘﺪ ﭨﺮاﻧﺰﯾﮑﺸﻦ ﮐﺮﺗﮯ ﮨﯿﮟ اور‬/‫ﮐﯽ رﭨﯿﻞ‬PKR 15000 ‫ ﺟﻨﻮری ﮐﻮ‬10 ‫آپ‬
‫ﻓﺮوری ﮐﮯ ﮔﻮﺷﻮارہ ﻣﯿﮟ آپ‬20 ‫ﮐﯽ ﮐﻢ از ﮐﻢ اداﺋﯿﮕﯽ ﮐﺮﺗﮯ ﮨﯿﮟ ﺗﻮ‬PKR 750 ‫ ﻓﺮوری ﮐﻮ‬7 ‫ﺟﺎﺗﺎ ﮨﮯ اور آپ‬
‫ﮨﻮﮔﺎ۔‬14,938.3‫ﭘﺮ ﻧﻔﻊ ﻋﺎﺋﺪ ﮐﯿﺎ ﺟﺎﺋﮯ ﮔﺎ۔آپ ﮐﺎ ﮐﻞ ﺑﻘﺎﯾﺎ ﺟﺎت‬PKR 688.33
‫ﻣﺴﺎوﻣﮧ)ﺗﻮرق(ﮐﯿﻮﻗﺖ ﻃﮯ ﺷﺪہ ﻧﻔﻊ ﮐﯽ ﴍح اداﺋﯿﮕﯽ ﮐﯽ ﺗﺎرﯾﺦ ﺗﮏ ﯾﮑﺴﺎں رﮨﮯ ﮔﯽ۔ﺗﺎﮨﻢ ﻧﺌﮯ ﺗﻮرق ﮐﮯ‬
‫ﻟﯿﻦ دﯾﻦ ﮐﮯ وﻗﺖ ﯾﺎ ﺗﻮرق ﮐﯽ ﴍح ﻣﯿﮟ اﺿﺎﻓﮧ ﮐﮯ وﻗﺖ ﻣﻨﺎﻓﻊ ﮐﯽ ﴍح ﻣﯿﮟ اﺿﺎﻓﮧ ﮨﻮﺳﮑﺘﺎ ﮨﮯ اور‬
‫اﯾﺴﯽ ﺻﻮرت ﺳﮯ ﻣﺘﻌﻠﻖ ﮐﺴﭩﻤﺮ ﮐﺎ آﮔﺎہ ﮐﯿﺎ ﺟﺎﺋﯿﮕﺎ۔ﺗﺎﮨﻢ ﺣﺴﺎب ﮐﺘﺎب ﮐﺎ ﻃﺮﯾﻘﮧ ﮐﺎر اﯾﮏ ﮨﯽ رﮨﮯ ﮔﺎ۔‬
‫ ﻣﺰﯾﺪ ﺗﻔﺼﯿﻼت اور ﻣﻌﻠﻮﻣﺎت ﮐﮯ ﻟﺌﮯ اﯾﻒ ﺑﯽ اﯾﻞ اﺳﻼﻣﮏ ﻧﻮر ﮐﺎرڈ ﮐﯽ وﯾﻠﮑﻢ ﮔﺎﺋﯿﮉ اور ﴍاﺋﻂ‬:‫وﺿﺎﺣﺖ‬
‫وﺿﻮاﺑﻂ ﮐﻮ رﺟﻮع ﮐﺮﯾﮟ۔ ﻓﯿﺼﻞ ﺑﯿﻨﮏ ﮐﺴﯽ ﺑﮭﯽ وﻗﺖ ﻣﺬﮐﻮرہ ﺑﺎﻻﭼﺎرﺟﺰ ﻣﯿﮟ ﺗﺒﺪﯾﻠﯽ ﮐﺎ ﺣﻖ رﮐﮭﺘﺎ ﮨﮯ۔‬
be different from the amount that you are subsequently billed in your
Statement of Account. This is because any purchase of tickets of a foreign
(Non-Pakistani) airline is treated as a foreign currency transaction.
Therefore, in accordance with the Cardmember Terms and Conditions,
the transaction will be subject to all our applicable rules and procedures
for foreign currency conversion into Pakistani Rupees, based on the
exchange rate being used by us at the time of conversion. This may
cause the receipt amount to differ from the amount billed to you.
Use of your Faysal Islami Noor card outside Pakistan
For all transactions outside Pakistan, the conversion from foreign
currency amount to US Dollar amount is billed by MasterCard
International at the prevalent MasterCard International exchange rate.
The conversion from the US Dollar amount to the Pakistani Rupee
amount is processed by the Pakistan Card Centre. The rate charged for
this conversion is the prevailing open market rate quoted to us at that
particular time. We also charge a handling fee, as per the Islamic
Schedule of Charges. However, please also note that all foreign
exchange conversions are made as per the agreed Cardmember’s
Terms and Conditions governing your Faysal Islami Noor card.
Disputed Transactions
If you notice any discrepancy in the monthly statement or E Statement,
the Cardmember should send us a written request within 14 days of the
current statement date, otherwise the transaction would be deemed to
be authentic and the Cardmember would be bound to make the
payment for the entire amount.
To report your lost or stolen Faysal Islami Noor card(s)
In case of loss or theft of your Faysal Islami Noor card(s) in and outside of
Pakistan, please notify our Contact Centre immediately. This will minimize
your liability and protect you against any misuse of the stolen / lost card
Card Replacement and Cancellation
For replacement of a damaged card, a written request by the basic
Cardholder is mandatory in addition to the return of the old plastic, cut
into two halves. Ensure that the chip is damaged. In case of Card
cancellation, you are requested to send the card, cut into two halves
with the chip damaged along with a written cancellation request or
telephonic cancellation request
Contact Us
If you need any help or information, or in case of any complaint, please
contact our Contact Centre at 021 111 06 06 06 or write to us at the
following addresses: Email: customercomplaint@faysalbank.com
Reward Points
The reward program is an incentive & promotional offer available only
to the basic Credit card member and will be awarded SmilePoints &
Eternal Points (as opted) on retail spend as defined by FBL. All points
will be expired if not redeemed within 18 months. For EternalPoints, all
points earned will be charity/donated on quarterly basis to any
charitable organization at bank’s own discretion. The Bank reserves the
right to change, at any time, the amount required to earn points and the
procedure of redemption.
Drop Box Banking
Enjoy the convenience of our Drop Box facility, 24 hours a day, 7 days
a week, located at selected Faysal Bank branches and our ATM off-sites
in your respective city. For a complete list, please call our Contact
Centre at 021 111 06 06 06.
eCIB Reporting
The Electronic Credit Information Bureau (eCIB) of State Bank of
Pakistan requires all banks and financial institutions to report all facilities,
loans and advances, irrespective of the facilities / loan amount, to the
State Bank. Any defaults or delays in making regular payments against
facilities/loans can affect credit worthiness of the customer and you may
‫ﻧﮯ دﺳﺘﺨﻂ ﮐﺌﮯ ﮨﻮں۔ اس ﮐﯽ وﺟﮧ ﯾﮧ ﮨﮯ ﮐﮧ ﮐﺴﯽ ﺑﮭﯽ ﻏﯿﺮ ﻣﻠﮑﯽ اﯾﱤ ﻻﺋﻦ ﮐﺎ ﭨﮑﭧ ﺧﺮﯾﺪﻧﮯ ﮐﻮ ﻏﯿﺮ‬
‫ﻣﻠﮑﯽ ﮐﺮاﻧﺴﯽ ﮐﯽ ﭨﺮاﻧﺰﯾﮑﺸﻦ ﺳﻤﺠﮭﺎ ﺟﺎﺋﮯ ﮔﺎ۔ ﭼﻨﺎﻧﭽﮧ ﮐﺎرڈ ﻣﻤﱪ ﮐﯽ ﴍاﺋﻂ وﺿﻮاﺑﻂ ﮐﮯ ﻣﻄﺎﺑﻖ اﯾﺴﯽ‬
‫ﭨﺮاﻧﺰﯾﮑﺸﻦ ﭘﺮ ﻏﯿﺮ ﻣﻠﮑﯽ ﮐﺮﻧﺴﯽ ﮐﯽ ﭘﺎﮐﺴﺘﺎﻧﯽ روﭘﮯ ﻣﯿﮟ ﺗﺒﺪﯾﻠﯽ ﮐﮯ متﺎم ﻣﺘﻌﻠﻘﮧ ﻗﻮاﻋﺪ وﺿﻮاﺑﻂ اور اس‬
‫وﻗﺖ ﮐﮯ اﯾﮑﺴﭽﯿﻨﺞ رﯾﭩﺲ ﻻﮔﻮ ﮨﻮں ﮔﮯ۔ اﺳﯽ وﺟﮧ ﺳﮯ رﺳﯿﺪ ﭘﺮ درج ﺷﺪہ ﻗﯿﻤﺖ آپ ﮐﮯ ﺑﻞ ﭘﺮ ﻣﻮﺟﻮد‬
‫ﻗﯿﻤﺖ ﺳﮯ ﻣﺨﺘﻠﻒ ﮨﻮﺳﮑﺘﯽ ﮨﮯ۔‬
‫ﻓﯿﺼﻞ اﺳﻼﻣﯽ ﻧﻮر ﮐﺎرڈ ﮐﺎ ﭘﺎﮐﺴﺘﺎن ﺳﮯ ﺑﺎﮨﺮ اﺳﺘﻌامل‬
‫وہ متﺎم ﭨﺮاﻧﺰﯾﮑﺸﻨﺰ ﺟﻮ ﭘﺎﮐﺴﺘﺎن ﺳﮯ ﺑﺎﮨﺮ ﮨﻮں ان ﻣﯿﮟ ﻏﯿﺮ ﻣﻠﮑﯽ ﮐﺮﻧﺴﯽ ﺳﮯ اﻣﺮﯾﮑﯽ ڈاﻟﺮ ﻣﯿﮟﺗﺒﺪﯾﻠﯽ‬
‫ﮐﺎ رﯾﭧ ﻣﺎﺳﭩﺮ ﮐﺎرڈ اﻧﭩﺮﻧﯿﺸﻨﻞ ﮐﯽ ﺟﺎﻧﺐ ﺳﮯ ﻣﺎﺳﭩﺮ ﮐﺎرڈ اﻧﭩﺮﻧﯿﺸﻨﻞ اﯾﮑﺴﭽﻨﺞ رﯾﭧ ﮐﮯ ﻣﻄﺎﺑﻖ ﭼﺎرج‬
‫ﮐﯿﺎ ﺟﺎﺗﺎ ﮨﮯ۔ اﻣﺮﯾﮑﯽ ڈاﻟﺮ ﺳﮯ ﭘﺎﮐﺴﺘﺎﻧﯽ روﭘﮯ ﻣﯿﮟ ﺗﺒﺪﯾﻠﯽ ﭘﺎﮐﺴﺘﺎن ﮐﺎرڈ ﺳﯿﻨﭩﺮ ﮐﯽ ﺟﺎﻧﺐ ﺳﮯ ﮐﯿﺎ‬
‫ﺟﺎﺗﺎ ﮨﮯ۔ ﯾﮧ وہ رﯾﭧ ﮨﻮﺗﺎ ﮨﮯ ﺟﻮ اس ﻣﺘﻌﻠﻘﮧ اوﭘﻦ ﻣﺎرﮐﯿﭧ ﮐﺎ رﯾﭧ ﮨﻮﺗﺎ ﮨﮯ اور ﺧﺎص اس وﻗﺖ ﮨﻤﯿﮟ‬
‫ﺑﺘﺎﯾﺎ ﺟﺎﺗﺎ ﮨﮯ۔ ﮨﻢ اﺳﻼﻣﮏ ﺷﯿﮉول آف ﭼﺎرﺟﺰ ﮐﮯ ﻣﻄﺎﺑﻖ ﮨﯿﻨﮉﻟﻨﮓ ﻓﯿﺲ ﺑﮭﯽ ﭼﺎرج ﮐﺮﺗﯽ ﮨﯿﮟ۔‬
‫ﺑﺮاﺋﮯ ﻣﮩﺮﺑﺎﻧﯽ اس ﺑﺎت ﮐﻮ ﻧﻮٹ ﻓﺮﻣﺎﻟﯿﮟ ﮐﮧ متﺎم ﻏﯿﺮﻣﻠﮑﯽ اﯾﮑﺴﭽﻨﺞ ﮐﺎ ﺗﺒﺎدﻟﮧ ﮐﺎرڈ ﻣﻤﱪ ﮐﯽ‬،‫ﺑﮩﺮﺣﺎل‬
‫ﴍاﺋﻂ وﺿﻮاﺑﻂ ﮐﮯ ﻣﻄﺎﺑﻖ ﮐﯿﺎ ﺟﺎﺗﺎ ﮨﮯ۔‬
‫ﻣﺘﻨﺎزﻋﮧ ﭨﺮاﻧﺰﯾﮑﺸﻨﺰ‬
‫اﮔﺮ آپ ﮐﯽ ﻣﺎﮨﺎﻧﮧ ﮔﻮﺷﻮارہ ﯾﺎ ای اﺳﭩﯿﭩﻤﻨﭧ ﻣﯿﮟ ﮐﻮﺋﯽ ﺑﮯ ﻗﺎﻋﺪﮔﯽ ﻧﻮٹ ﮐﺮﯾﮟ ﺗﻮ ﮐﺎرڈ ﻣﻤﱪ ﮐﻮ‬
‫دن ﮐﮯ اﻧﺪر ﮨﻤﯿﮟ ﺗﺤﺮﯾﺮی ﻃﻮر ﭘﺮ ﻣﻄﻠﻊ ﮐﺮے۔ ﺑﺼﻮرت‬14 ‫ﭼﺎﮨﺌﮯ ﮐﮧ وہ ﺣﺎﻟﯿﮧ ﮔﻮﺷﻮارہ ﮐﮯ‬
‫دﯾﮕﺮﭨﺮاﻧﺰﯾﮑﺸﻦ ﮐﻮ درﺳﺖ ﺗﺼﻮر ﮐﯿﺎ ﺟﺎﺋﮯ ﮔﺎاور ﮐﺎرڈ ﻣﻤﱪ ﭘﻮری رﻗﻢ ﮐﯽ اداﺋﯿﮕﯽ ﮐﺎ ﭘﺎﺑﻨﺪ ﮨﻮﮔﺎ۔‬
‫اﭘﻨﮯ ﮔﻤﺸﺪہ ﯾﺎ ﭼﻮری ﺷﺪہ ﻓﯿﺼﻞ اﺳﻼﻣﯽ ﻧﻮر ﮐﺎرڈ ﮐﯽ اﻃﻼع دﯾﻨﮯ ﮐﮯ ﻟﯿﮯ‬
‫ﭘﺎﮐﺴﺘﺎن ﯾﺎ ﭘﺎﮐﺴﺘﺎن ﺳﮯ ﺑﺎﮨﺮ آپ ﮐﮯ ﻓﯿﺼﻞ اﺳﻼﻣﯽ ﻧﻮر ﮐﺎرڈ ﮐﮯ ﮔﻢ ﮨﺮﻧﮯ ﯾﺎ ﭼﻮری ﮨﻮﻧﮯ ﮐﯽ ﺑﺮاہ ﮐﺮم‬
‫( ﭘﺮ ﻣﻄﻠﻊ ﮐﺮﯾﮟ۔اس ﺳﮯ آپ ﮐﯽ ذﻣﮧ داری‬021 111 06 06 06) ‫ﮨامرے راﺑﻄﮧ ﺳﯿﻨﭩﺮ ﮐﻮ اس منﱪ‬
‫ﮐﻢ ﮨﻮﺟﺎﺋﮯ ﮔﯽ اور ﭼﻮری ﺷﺪہ ﯾﺎ ﮔﻤﺸﺪہ ﮐﺎرڈ ﮐﮯ ﻏﻠﻂ اﺳﺘﻌامل ﺳﮯ آپ ﮐﯽ ﺣﻔﺎﻇﺖ ﮨﻮﺟﺎﺋﮯ ﮔﯽ۔‬
‫ﮐﺎرڈ ﮐﯽ ﺗﺒﺪﯾﻠﯽ اور ﻣﻨﺴﻮﺧﯽ‬
‫ اﺻﻞ‬،‫ﭘﺮاﻧﮯ ﺧﺮاب ﺷﺪہ ﮐﺎرڈ ﮐﻮ دو ﺣﺼﻮں ﻣﯿﮟ ﮐﺮﮐﮯ واﭘﺲ ﮐﺮﻧﮯ ﮐﮯ ﻋﻼوہ‬،‫ﺧﺮاب ﮐﺎرڈ ﮐﯽ ﺗﺒﺪﯾﻠﯽ ﮐﮯ ﻟﯿﮯ‬
‫ﮐﺎرڈ ﮨﻮﻟﮉر ﮐﯽ ﻃﺮف ﺳﮯ اﯾﮏ ﺗﺤﺮﯾﺮی درﺧﻮاﺳﺖ ﻟﮑﮭﻨﺎ ﻻزﻣﯽ ﮨﮯ۔اس ﺑﺎت ﮐﺎ اﭼﮭﯽ ﻃﺮح ﯾﻘﯿﻦ ﮐﺮﻟﯿﮟ ﮐﮧ‬
‫ آپ ﺳﮯ ﯾﮧ درﺧﻮاﺳﺖ ﮐﯽ ﺟﺎﺗﯽ‬،‫ﮐﺎرڈ ﮐﯽ ﭼﭗ ﺧﺮاب ﮨﻮﭼﮑﯽ ﮨﮯ۔ ﮐﺎرڈ ﮐﻮ ﻣﻨﺴﻮخ ﮐﺮواﻧﮯ ﮐﯽ ﺻﻮرت ﻣﯿﮟ‬
‫ﭘﮭﺮ اس ﮐﺎرڈ ﮐﻮ‬،‫ﮨﮯ ﮐﮧ آپ ﮐﺎرڈ ﮐﻮ دوﺣﺼﻮں ﻣﯿﮟ اس ﻃﺮح ﮐﺎﭨﯿﮟ ﮐﮧ ﭼﭗ ﺑﮭﯽ ﮐﭧ ﮐﺮ ﺑﮯ ﮐﺎر ﮨﻮﺟﺎﺋﮯ‬
‫اﯾﮏ ﺗﺤﺮﯾﺮی ﮐﺎرڈ ﮐﯽ ﻣﻨﺴﻮﺧﯽ ﮐﯽ درﺧﻮاﺳﺖ ﮐﮯ ﺳﺎﺗﮫ ﺑﮭﯿﺠﯿﮟ ﯾﺎ آپ ﻓﯿﺼﻞ ﺑﯿﻨﮏ ﮐﮯ راﺑﻄﮧ ﺳﯿﻨﭩﺮ ﭘﺮ‬
‫ﺑﺬرﯾﻌﮧ ﻓﻮن ﻣﻨﺴﻮﺧﯽ ﮐﯽ درﺧﻮاﺳﺖ ﮐﺮﺳﮑﺘﮯ ﮨﯿﮟ۔‬
‫ﮨﻢ ﺳﮯ راﺑﻄﮯ ﮐﮯ ﻟﯿﮯ‬
‫اﮔﺮ آپ ﮐﻮ ﮐﺴﯽ ﻣﺪد ﯾﺎ ﻣﻌﻠﻮﻣﺎت ﮐﯽ ﴐورت ﮨﻮ ﯾﺎ ﮐﻮﺋﯽ اور ﺷﮑﺎﯾﺖ ﮨﻮ ﺗﻮ ﺑﺮاہ ﮐﺮم ﮨامرے راﺑﻄﮧ ﺳﯿﻨﭩﺮ‬
:‫ ﭘﺮ راﺑﻄﮧ ﮐﺮﯾﮟ ﯾﺎ درج ذﯾﻞ ﭘﺘﮯ ﭘﺮ ای ﻣﯿﻞ ﮐﺮﯾﮟ۔ ای ﻣﯿﻞ‬021 111 06 06 06 ‫ﺳﮯ اس منﱪ‬
customercomplaint@faysalbank.com
‫اﻧﻌﺎﻣﯽ ﭘﻮاﺋﻨﭩﺲ‬
‫اﻧﻌﺎﻣﯽ ﭘﺮوﮔﺮام اﯾﮏ ﺗﺮﻏﯿﺒﯽ اور ﺣﻮﺻﻠﮧ اﻓﺰاﺋﯽ ﮐﮯ ﻟﯿﮯ آﻓﺮ ﮐﯿﺎ ﮔﯿﺎ ﮨﮯ ﺟﻮ ﴏف اﺻﻞ ﮐﺮﯾﮉٹ ﮐﺎرڈﻣﻤﱪ ﮐﮯ‬
‫(ﺑﻄﻮر اﻧﺘﺨﺎب( دﯾﮯ ﺟﺎﺋﯿﮟ ﮔﮯ۔‬eternal points ‫ اور‬Smile points ‫ﻟﯿﮯ دﺳﺘﯿﺎب ﮨﮯ اور رﭨﯿﻞ اﺧﺮاﺟﺎت ﭘﺮ‬
‫اﮔﺮ اﭨﮭﺎرہ ﻣﮩﯿﻨﻮں ﻣﯿﮟ ان متﺎم ﭘﻮاﺋﻨﭩﺲ ﮐﻮ اﺳﺘﻌامل ﻧﮩﯿﮟ ﮐﯿﺎ ﮔﯿﺎ‬:‫ ﮐﮯ اﺳﺘﻌامل ﮐﯽ آﺧﺮی ﺣﺪ‬Smile Points
‫ﺑﯿﻨﮏ‬،‫ﺣﺎﺻﻞ ﮐﺮدہ متﺎم ﭘﻮاﺋﻨﭧ ﺳﮧ ﻣﺎﮨﯽ ﺑﻨﯿﺎدوں ﭘﺮ‬:Eternal Points‫ﮨﻮﺟﺎﺋﯿﮟ ﮔﮯ۔‬expire‫ﺗﻮ ﯾﮧ متﺎم ﭘﻮاﺋﻨﭩﺲ‬
‫ﮐﯽ اﭘﻨﯽ ﺻﻮاﺑﺪﯾﺪ ﭘﺮ ﮐﺴﯽ ﺑﮭﯽ ﺧﯿﺮاﺗﯽ ادارے ﮐﻮ ﺻﺪﻗﮧ ﯾﺎ ﻋﻄﯿﮧ ﮐﺮدﯾﮯ ﺟﺎﺋﯿﮟ ﮔﮯ۔ﭘﻮاﺋﻨﭩﺲ ﺣﺎﺻﻞ ﮐﺮﻧﮯ‬
‫ ﮐﺴﯽ ﺑﮭﯽ وﻗﺖ ﺑﯿﻨﮏ ﭘﺮ ﺗﺒﺪﯾﻠﯽ ﮐﺎ ﺣﻖ‬،‫ﮐﮯ ﻟﯿﮯ درﮐﺎر رﻗﻢ اور ﭘﻮاﺋﻨﭩﺲ ﮐﮯ اﺳﺘﻌامل ﮐﮯ ﻃﺮﯾﻘﮧ ﮐﺎر ﻣﯿﮟ‬
‫ﮐﺎ ﻣﺤﻔﻮظ رﮐﮭﺘﺎ ﮨﮯ۔‬
‫ڈراپ ﺑﺎﮐﺲ ﺑﯿﻨﮑﻨﮓ‬
‫ ﺟﻮ آپ ﮐﮯ‬،‫ دن ﻓﺎﺋﺪہ اﭨﮭﺎﺋﯿﮟ‬7 ‫ﮨﻔﺘﮯ ﮐﮯ‬،‫ ﮔﮭﻨﭩﮯ‬24 ‫ﮨامرے ڈراپ ﺑﺎﮐﺲ ﮐﯽ ﺳﮩﻮﻟﺖ ﺳﮯ دن ﮐﮯ‬
‫اﭘﻨﮯ ﺷﮩﺮ ﻣﯿﮟ ﻓﯿﺼﻞ ﺑﯿﻨﮏ ﮐﯽ ﻣﻨﺘﺨﺐ ﺷﺎﺧﻮں اور ﮨامرے دور واﻗﻊ اے ﭨﯽ اﯾﻢ ﭘﺮ ﺣﺎﺻﻞ‬
‫ﮨﮯ۔ﮨامرے ڈراپ ﺑﺎﮐﺲ ﺑﺎﻟﮑﻞ ﻣﻔﺖ اور ﻣﺤﻔﻮظ ﭼﯿﮏ ڈﯾﻠﯿﻮری ﮐﯽ ﺳﮩﻮﻟﺖ ﭘﯿﺶ ﮐﺮﺗﮯ ﮨﯿﮟ۔ﻣﮑﻤﻞ‬
‫ ﭘﺮ راﺑﻄﮧ ﮐﺮﯾﮟ۔‬06 06 06 111 021‫ﻓﮩﺮﺳﺖ ﮐﮯ ﻟﯿﮯ ﺑﺮاﺋﮯ ﻣﮩﺮﺑﺎﻧﯽ ﮨامرے راﺑﻄﮧ ﺳﯿﻨﭩﺮ ﺳﮯ اس منﱪ‬
eCIB Reporting
‫ڈﯾﻔﺎﻟﭧ ﮐﺮﻧﮯ واﻟﮯ ﺻﺎرﻓﯿﻦ ﺳﮯ‬،‫اﺳﭩﯿﭧ ﺑﯿﻨﮏ آف ﭘﺎﮐﺴﺘﺎن ﮐﺎ اﻟﯿﮑﭩﺮوﻧﮏ ﮐﺮﯾﮉٹ اﻧﻔﺎرﻣﯿﺸﻦ ﺑﯿﻮرو‬
‫متﺎم ﺑﯿﻨﮑﻮں اور ﻓﺎﺋﻨﺎﻧﺸﻞ اﻧﺴﭩﯿﻮﭨﯿﻮﺷﻦ ﺳﮯ ﮨﺮ ﻗﺴﻢ ﮐﯽ‬،‫ﻗﻄﻊ ﻧﻈﺮ ﺳﮩﻮﻟﯿﺎت ﯾﺎ ﻗﺮض ﮐﯽ رﻗﻢ ﮐﮯ‬،‫ﻣﺘﻌﻠﻖ‬
‫ﺳﮩﻮﻟﯿﺎت ﯾﺎ ﻗﺮﺿﻮں ﺳﮯ ﻣﺘﻌﻠﻖ اﺳﭩﯿﭧ ﺑﯿﻨﮏ آف ﭘﺎﮐﺴﺘﺎن ﮐﻮ رﭘﻮرٹ دﯾﻨﮯ ﮐﺎ ﻣﻄﺎﻟﺒﮧ ﮐﺮﺗﺎ ﮨﮯ۔ ﺳﮩﻮﻟﯿﺎت‬
‫ﯾﺎ ﻗﺮض ﮐﮯ ﻋﻮض ﮐﺴﯽ ﺑﮭﯽ ﻗﺴﻢ ﮐﺎ ڈﯾﻔﺎﻟﭧ ﯾﺎ ﺑﺎﻗﺎﻋﺪﮔﯽ ﺳﮯ اداﺋﯿﮕﯽ ﻣﯿﮟ ﺗﺎﺧﯿﺮ ﺻﺎرف ﮐﯽ ﺳﺎﮐﮫ‬
‫ﮐﻮ ﻣﺘﺎﺛﺮ ﮐﺮﺳﮑﺘﯽ ﮨﮯ اور آپ ﻣﺰﯾﺪ ﻣﺎﻟﯽ ﺳﮩﻮﻟﯿﺎت ﺣﺎﺻﻞ ﮐﺮﻧﮯ ﺳﮯ ﺑﯿﻨﮑﺎری ﻧﻈﺎم ﺳﮯ ﻧﺎاﮨﻞ ﻗﺮاردﯾﮯ‬
be unable to avail further financing from the banking system. Further,
in case of consumer loans/financing, a default history will be maintained
for a certain period after adjustment of default amount. For further
information on eCIB, you may visit the following website:
www.sbp.org.pk/ecibhelpdesk.
Federal Excise Duty
All government excise and stamp duties etc. levied as per Federal
Excise Duty Act 2005 and correspondent bank charges (if any) are for
the customer’s account and are non-reversible.
Transactions at Fuel Stations
The maximum amount of transactions at fuel stations in one day cannot
exceed PKR 20,000.
Excess Payments in the Faysal Islami Noor Account
Kindly do not deposit excess cash in your FBL Islami Noor account
exceeding your total dues as it comes under SBP regulatory violation.
In case there is any excess cash in your FBL Islami Noor account, the
Bank may refund the excess amount through Pay Order after deducting
the Pay Order charges (as per Schedule of Charges).
Unsatisfactory Resolution
For unsatisfactory resolution, you may write to Banking Mohtasib
Pakistan, Shaheen Complex, M.R. Kiyani Road, Karachi.
Telephone: +9221-99217334-38 or visit www.bankingmohtasib.gov.pk
Profit Charging Information:
No Profit will be demanded on a new retail transaction/ purchases if the total
Required Payment is made in full within Payment Required Date for each
billing cycle and no balance is carried forward from the previous months.
Purchases/Retail transaction / Cash Withdrawal /
Balance Transfer- Open
Product Features
Booking on Installment
Transaction date (if not paid in full within the due date)
From From the next billing cycle before which installment
plan request is placed
Paid in full
Until Till the last installment
is paid
Profit Calculation
Profit rate, as per the Schedule of Charges will be charged on your
outstanding balance.For example, if you conduct a retail /cash
transaction of PKR 15000 on the 10th of January and your statement is
generated on the 20th of January and you make a minimum payment of
PKR 750 on the 7th of February, then you will be charged with an
accrued Profit in the next statement generated on 20th of February of
PKR 688.33 and your total outstanding will be PKR 14,938.3.
The agreed profit rate at the time of Musawamah (Tawarruq) will remain
same till the maturity. However, the Profit rate may change at time of
new tawarruq transaction or limit enhancement and communicated to
the customer but the method of calculation will remain same.
Note: For more details and information refer to your FBL Islami Noor
Card welcome guide and Terms & condition. FBL reserve the rights to
change any of the above mentioned charges.
‫اﭘﻨﮯ ﻓﯿﺼﻞ اﺳﻼﻣﯽ ﻧﻮر اﮐﺎوﻧﭧ ﻣﯿﮟ اداﺋﯿﮕﯽ ﮐﺮﻧﺎ۔‬
:‫آپ ﻣﻨﺪرﺟﮧ ذﯾﻞ ﻃﺮﯾﻘﻮں ﺳﮯ اﭘﻨﮯ ﻓﯿﺼﻞ اﺳﻼﻣﯽ ﻧﻮر اﮐﺎوﻧﭧ ﻣﯿﮟ اداﺋﯿﮕﯽ ﮐﺮﺳﮑﺘﮯ ﮨﯿﮟ‬
‫( اﭘﻨﮯ ﻗﺮب واﻗﻊ ﮐﺴﯽ ﺑﮭﯽ ڈراپ ﺑﺎﮐﺲ ﻣﯿﮟ ﭼﯿﮏ ﺟﻤﻊ ﮐﺮواﻧﺎ۔‬1)
‫• ﮐﻮﺋﯽ ﺑﮭﯽ اﯾﺴﺎ ﭼﯿﮏ ﺟﻮ ﺷﮩﺮ ﺳﮯ ﺑﺎﮨﺮ واﻗﻊ ﮐﺴﯽ ﺑﯿﻨﮏ ﺳﮯ ﺑﻨﻮاﯾﺎ ﮔﯿﺎ ﮨﻮ اﺳﮯ اداﺋﯿﮕﯽ ﮐﯽ ﻣﻘﺮرہ‬
‫ﺗﺎرﯾﺦ ﺳﮯ ﮐﻢ از ﮐﻢ ﺳﺎت ﮐﺎروﺑﺎری اﯾﺎم ﭘﮩﻠﮯ ڈراپ ﺑﺎﮐﺲ ﻣﯿﮟ ﺟﻤﻊ ﮐﺮواﻧﺎ ﭼﺎﮨﺌﮯ۔‬
‫• اﯾﺴﺎ ﭼﯿﮏﺟﻮ ﺷﮩﺮ ﻣﯿﮟ واﻗﻊ ﮐﺴﯽ ﺑﯿﻨﮏ ﺳﮯ ﺑﻨﻮاﯾﺎ ﮔﯿﺎ ﮨﻮ اﺳﮯ اداﺋﯿﮕﯽ ﮐﯽ ﻣﻘﺮرہ ﺗﺎرﯾﺦ ﺳﮯ ﮐﻢ ازﮐﻢ‬
‫ﺗﯿﻦ ﮐﺎروﺑﺎری اﯾﺎم ﭘﮩﻠﮯ ڈراپ ﺑﺎﮐﺲ ﻣﯿﮟ ﺟﻤﻊ ﮐﺮواﻧﺎ ﭼﺎﮨﺌﮯ۔‬
‫• ﭼﯿﮏ ﻓﯿﺼﻞ اﺳﻼﻣﯽ ﻧﻮر ﮐﺎرڈ ﮐﮯ ﻧﺎم ﭘﺮ ﺑﻨﺎﺋﯿﮯ ﺟﺲ ﭘﺮ''ﴏف اﮐﺎوﻧﭧ ﻣﯿﮟ اداﺋﯿﮕﯽ ﮐﮯ ﻗﺎﺑﻞ'' ﮐﺎ‬
‫ﻧﺸﺎن ﻟﮕﺎﯾﺎ ﮔﯿﺎ ﮨﻮ اور ﭘﺎﮐﺴﺘﺎﻧﯽ روﭘﮯ ﻣﯿﮟ ﻗﺎﺑﻞ اداﺋﯿﮕﯽ ﮨﻮ۔‬
‫• ﺑﺮاﺋﮯ ﻣﮩﺮﺑﺎﻧﯽ ﭼﯿﮏ ﮐﯽ ﭘﺸﺖ ﭘﺮ اﭘﻨﺎ ﻣﮑﻤﻞ ﻧﺎم اور ﻓﯿﺼﻞ اﺳﻼﻣﯽ ﻧﻮر ﮐﺎرڈ ﻤﻧﱪ ﻟﮑﮭﯿﮟ اور ﮨﻤﯿﺸﮧ اﭘﻨﺎ‬
‫اداﺋﯿﮕﯽ ﮐﺎ ﮐﻮﭘﻦ)ﯾﻌﻨﯽ اﭘﻨﮯ ﮔﻮﺷﻮارہ ﮐﺎ ﻧﭽﻼ ﺣﺼﮧ)اﭘﻨﯽ اداﺋﯿﮕﯽ ﮐﮯ ﺳﺎﺗﮫ ﺟﻤﻊ ﮐﺮواﺋﯿﮯ۔‬
‫• ﭼﯿﮏ واﭘﺲ ﮨﻮﻧﮯ ﮐﯽ ﺻﻮرت ﻣﯿﮟ ﭼﺎرﺟﺰ ﮐﮯ ﮔﻮﺷﻮارہ )ﺷﯿﮉول آف ﭼﺎرﺟﺰ( ﮐﮯ ﻣﻄﺎﺑﻖ ﭼﯿﮏ واﭘﺴﯽ‬
‫ﮐﮯ ﭼﺎرﺟﺰ ﻻﮔﻮ ﮨﻮں ﮔﮯ۔‬
‫• ﺑﺮاﺋﮯ ﻣﮩﺮﺑﺎﻧﯽ اداﺋﯿﮕﯽ ﮐﮯ ﻟﻔﺎﻓﮧ ﻣﯿﮟ ﻧﻘﺪ رﻗﻢ ارﺳﺎل ﻧﮧ ﻓﺮﻣﺎﺋﯿﮟ۔‬
‫( ﭘﯿﺂرڈر‬2)
‫( ﮨامری ﮐﺴﯽ ﺑﮭﯽ ﺑﺮاﻧﭻ ﮐﮯ ﮐﺎؤﻧﭩﺮ ﭘﺮ ﻧﻘﺪ اداﺋﯿﮕﯽ۔‬3)
:‫ﭘﺮ درج ذﯾﻞ ﻣﻘﺎﺻﺪ ﮐﮯ ﻟﺌﮯ ﮐﺎل ﺑﮭﯽ ﮐﺮﺳﮑﺘﮯ ﮨﯿﮟ‬021 111 06 06 06 ‫آپ ﮨامرے راﺑﻄﮧ ﮐﮯ ﻣﺮﮐﺰ ﮐﻮ‬
‫( ﻓﯿﺼﻞ ﺑﯿﻨﮏ ﻣﯿﮟ اﮐﺎؤﻧﭧ ﮨﻮﻟﮉر ﮨﻮﻧﮯ ﮐﯽ ﺻﻮرت ﻣﯿﮟ رﻗﻮم ﮐﯽ ﻣﻨﺘﻘﻠﯽ ﮐﮯ ﻟﺌﮯ۔‬4)
‫( اﮔﺮ آپ ﻓﯿﺼﻞ ﺑﯿﻨﮏ ﻣﯿﮟاﮐﺎؤﻧﭧ ﮨﻮﻟﮉر ﮨﯿﮟ ﺗﻮﺧﻮد ﮐﺎر ﮐﭩﻮﺗﯽ ﮐﯽ ﺳﮩﻮﻟﺖ ﮐﮯ ذرﯾﻌﮧ ﻣﮑﻤﻞ ﯾﺎ ﮐﻢ‬5)
‫ﺳﯿﮑﻢ ﻣﻘﺮرہ اداﺋﯿﮕﯽ ﮐﮯ ﻟﺌﮯ۔‬
‫( اﮔﺮ آپ ﭘﺎﮐﺴﺘﺎن ﺳﮯ ﺑﺎﮨﺮ رﮨﺎﺋﺶ ﭘﺬﯾﺮ ﮨﯿﮟ ﺗﻮ ﮨﻢ آپ ﮐﻮ ﭘﺎﮐﺴﺘﺎن ﮐﮯ ﮐﺴﯽ ﻣﻘﺎﻣﯽ ﺑﯿﻨﮏ ﮐﮯ ذرﯾﻌﮧ‬6)
‫ﭘﺎﮐﺴﺘﺎﻧﯽ روﭘﮯ ﻣﯿﮟ ﭨﯿﻠﯽ ﮔﺮاﻓﮏ ﭨﺮاﻧﺴﻔﺮ ﮐﮯ ذرﯾﻌﮧ اداﺋﯿﮕﯽ ﺗﺠﻮﯾﺰ ﮐﺮﺗﮯ ﮨﯿﮟ۔‬
‫)ﺟﺲ ﮐﮯ ﭼﺎرﺟﺰ ﺷﯿﮉول آف ﭼﺎرﺟﺰ ﮐﮯ ﻣﻄﺎﺑﻖ ﻻﮔﻮ ﮨﻮں ﮔﮯ(۔‬
‫ﮐﯽ ﴎوس اﺳﺘﻌامل ﮐﺮﺗﮯ ﮨﻮﺋﮯ ﻓﯿﺼﻞ ﺑﯿﻨﮏ ﯾﺎ ﮐﺴﯽ ﺑﮭﯽ ﺑﯿﻨﮏ ﮐﯽ اﻧﭩﺮﻧﯿﭧ ﺑﯿﻨﮑﻨﮓ ﯾﺎ‬1Bill ‫( آپ‬7)
‫ﻣﻮﺑﺎﺋﻞ اﯾﭙﻠﯿﮑﯿﺸﻦ ﮐﮯ ذرﯾﻌﮧ ﺑﮭﯽ اﭘﻨﺎ ﺑﻞ ادا ﮐﺮﺳﮑﺘﮯ ﮨﯿﮟ۔‬
‫اداﺋﯿﮕﯽ ﮐﮯ اﺧﺘﯿﺎرات‬
‫آپ اﭘﻨﮯ ﻓﯿﺼﻞ اﺳﻼﻣﯽ ﻧﻮر ﮐﺎرڈ ﮐﮯ ﮔﻮﺷﻮارہ ﭘﺮ درج ﺷﺪہ ﮐﻢ از ﮐﻢ اداﺋﯿﮕﯽ اور ﮐﻞ ﻣﻄﻠﻮﺑﮧ رﻗﻢ ﮐﮯ‬
‫ اﻟﺒﺘﮧ ﺷﯿﮉول آف ﭼﺎرﺟﺰ ﮐﮯ ﻣﻄﺎﺑﻖ ﻣﺴﺎوﻣﮧ ﮐﯽ ﻗﯿﻤﺖ ﮐﯽ اداﺋﯿﮕﯽ‬،‫درﻣﯿﺎن ﮐﻮﺋﯽ ﺑﮭﯽ رﻗﻢ ادا ﮐﺮﺳﮑﺘﮯ ﮨﯿﮟ‬
‫ ﯾﻮم ﻗﺒﻞ)ﺟﯿﺴﺎ ﺑﮭﯽ‬7 ‫ ﯾﺎ‬3 ‫ﺳﮯ ﺑﭽﻨﮯ ﮐﮯ ﻟﺌﮯ آپ ﮐﻮ ﮐﻢ از ﮐﻢ ﻣﻄﻠﻮﺑﮧ اداﺋﯿﮕﯽ ﮐﯽ رﻗﻢ ﻣﻘﺮرہ ﺗﺎرﯾﺦ ﺳﮯ‬
‫ﻻﮔﻮﮨﻮ(ﻻزﻣﺎًﺟﻤﻊ ﮐﺮاﻧﯽ ﮨﻮﮔﯽ۔اﮔﺮ آپ ﻧﮯ ﮐﻮﺋﯽ اﻧﺴﭩﺎﳌﻨﭧ ﭘﻼن ﺑﮏ ﮐﺮواﯾﺎ ﮨﮯ ﺗﻮ آپ ﮐﯽ ﺑﻘﯿﮧ ﮐﯽ رﻗﻢ" ﮐﻞ‬
‫ﻣﻄﻠﻮﺑﮧ اداﺋﯿﮕﯽ " ﻣﯿﮟ ﺷﺎﻣﻞ ﻧﮩﯿﮟ ﮨﻮﮔﯽ اور اس ﮐﻮ آپ ﮐﮯ ﮔﻮﺷﻮارہ ﻣﯿﮟ ﻋﻠﯿﺤﺪہ ﺳﮯ ﻇﺎﮨﺮ ﮐﯿﺎ ﺟﺎﺋﮯ ﮔﺎ۔‬
(‫ﻣﺴﺎوﻣﮧ ﮐﯽ اداﺋﯿﮕﯽ)ﺗﺎﺧﯿﺮ ﺳﮯ اداﺋﯿﮕﯽ ﮐﯽ ﺻﻮرت ﻣﯿﮟ‬
‫اداﺋﯿﮕﯽ ﻣﯿﮟ ﺗﺎﺧﯿﺮ ﮐﯽ ﺻﻮرت ﻣﯿﮟ ﯾﺎ ﻣﻘﺮرہ ﺗﺎرﯾﺦ ﺗﮏ ﮐﻢ از ﮐﻢ اداﺋﯿﮕﯽ ﮐﯽ رﻗﻢ ﺳﮯ ﮐﻢ ادا ﮐﺮﻧﮯ ﮐﯽ‬
‫ﺻﻮرت ﻣﯿﮟ ﺑﯿﻨﮏ اﭘﻨﯽ ﺻﻮاﺑﺪﯾﺪ ﮐﮯ ﻣﻄﺎﺑﻖ ﺑﯿﻨﮏ ﮐﮯ ﺷﯿﮉول آف ﭼﺎرﺟﺰ ﮐﮯ ﻣﻄﺎﺑﻖ آپ ﮐﮯ ﮐﺎرڈ ﮐﮯ‬
‫ﻣﺎﮨﺎﻧﮧ ﮔﻮﺷﻮارہ ﮐﮯ ذرﯾﻌﮧ آپ ﺳﮯ ﻣﺴﺎوﻣﮧ ﮐﯽ ﻗﯿﻤﺖ ﮐﯽ اداﺋﯿﮕﯽ ﮐﺎ ﻣﻄﺎﻟﺒﮧ ﮐﺮﺳﮑﺘﺎ ﮨﮯ۔‬
‫ﻧﻘﺪ رﻗﻢ ﻧﮑﻠﻮاﻧﺎ‬
‫ﮐﺎرڈ ﻣﻤﱪﮐﺎرڈ ﮐﻮ ﺑﯿﻨﮏ ﮐﯽ ﻃﺮف ﺳﮯ وﻗﺘﺎًﻓﻮﻗﺘﺎً ﻃﮯ ﮐﯽ ﮔﺌﯽ ﺣﺪ ﺗﮏ ﻧﻘﺪ رﻗﻢ ﻧﮑﻠﻮاﻧﮯ ﮐﮯ ﻟﺌﮯ ﺑﮭﯽ اﺳﺘﻌامل۔‬
‫دﯾﮕﺮ ﭼﺎرﺟﺰ‬
‫اﭘﻨﮯ ﻓﯿﺼﻞ اﺳﻼﻣﯽ ﻧﻮر ﭘﺮ ﻻﮔﻮ ﮨﻮﻧﮯ واﻟﮯ ﻣﺘﻔﺮق اﺧﺮاﺟﺎت ﮐﯽ ﺗﻔﺼﯿﻞ ﮐﮯ ﻟﺌﮯ ﻓﯿﺼﻞ اﺳﻼﻣﯽ ﻧﻮر ﮐﯽ ﴍاﺋﻂ‬
‫وﺿﻮاﺑﻂ اور اﺳﻼﻣﮏ ﺷﯿﮉول آف ﭼﺎرﺟﺰ ﻣﻼﺣﻈﮧ ﻓﺮﻣﺎﺋﯿﮟ)ﺟﻮﮐﮧ ﺑﯿﻨﮏ ﮐﯽ وﯾﺐ ﺳﺎﺋﭧ ﭘﺮ ﺑﮭﯽ دﺳﺘﯿﺎب ﮨﯿﮟ(۔‬
‫ﻣﺎﮨﺎﻧﮧ ﮔﻮﺷﻮارہ‬
‫آپ ﮐﮯ ﻣﺎﮨﺎﻧﮧ ﮔﻮﺷﻮارہ ﻣﯿﮟ آپ ﮐﯽ ﯾﺎ ﺿﻤﻨﯽ ﮐﺎرڈ ﻣﻤﱪ ﮐﯽ ﺟﺎﻧﺐ ﺳﮯ ﮐﯽ ﮔﺌﯽ ﭨﺮاﻧﺰﯾﮑﺸﻨﺰ ﮐﯽ ﻓﮩﺮﺳﺖ اور‬
‫ﮐﯽ ﺗﻔﺼﯿﻞ درج ﮨﻮﮔﯽ۔ اﮔﺮ‬Accrued Profit))‫آپ ﮐﮯ ﮐﺎرڈ ﭘﺮ ﻻﮔﻮ ﮨﻮﻧﮯ واﻟﯽ ﻓﯿﺲ ﯾﺎ ﺷامر ﮐﺌﮯ ﮔﺌﮯ ﻣﻨﺎﻓﻊ‬
‫دن ﮐﮯ اﻧﺪر ﮔﻮﺷﻮارہ ﻣﻮﺻﻮل ﻧﮧ ﮨﻮ ﺗﻮ ﮨامرے راﺑﻄﮧ ﻣﺮﮐﺰ ﺳﮯ راﺑﻄﮧ‬14 ‫آپ ﮐﻮ ﮔﻮﺷﻮارہ ﮐﯽ ﺗﺎرﯾﺦ ﺳﮯ‬
‫ﮐﯿﺠﺌﮯ اور ﭼﯿﮏ ﺳﮯ اداﺋﯿﮕﯽ ﮐﯽ ﺻﻮرت ﻣﺴﺎوی ﮐﯽ ﻗﯿﻤﺖ ﯾﺎ ﺷامر ﮐﺌﮯ ﮔﺌﮯ ﻣﻨﺎﻓﻊ ﮐﯽ اداﺋﯿﮕﯽ ﺳﮯ‬
‫ﯾﻮم ﭘﮩﻠﮯ)ﺟﯿﺴﺎ ﺑﮭﯽ ﻻﮔﻮ ﮨﻮ( اداﺋﯿﮕﯽ ﮐﺮدﯾﺠﺌﮯ۔اﻟﺒﺘﮧ ﻓﯿﺼﻞ ﺑﯿﻨﮏ‬7 ‫ ﯾﺎ‬3 ‫ﺑﭽﻨﮯ ﮐﮯ ﻟﺌﮯ ﻣﻘﺮرہ ﺗﺎرﯾﺦ ﺳﮯ‬
‫ﻣﺎﮨﺎﻧﮧ ﮔﻮﺷﻮارہ ﮐﯽ وﺻﻮﻟﯽ ﻣﯿﮟ ﺗﺎﺧﯿﺮ ﮐﯽ وﺟﮧ ﺳﮯ ﮐﺎرڈ ﻣﻤﱪ ﮐﻮ ﮨﻮﻧﮯ واﻟﮯ ﮐﺴﯽ ﺑﮭﯽ ﻗﺴﻢ ﮐﮯ ﻧﻘﺼﺎن ﮐﺎ‬
‫ذﻣﮧ دار ﻧﮧ ﮨﻮﮔﺎ۔‬
‫ﻏﯿﺮ ﻣﻠﮑﯽ اﯾﱤ ﻻﺋﻨﺰ ﮐﮯ ﭨﮑﭧ‬
‫اﮔﺮ آپ اﭘﻨﮯ ﻓﯿﺼﻞ اﺳﻼﻣﯽ ﻧﻮر ﮐﺎرڈ ﮐﮯ ذرﯾﻌﮧ ﮐﺴﯽ ﻏﯿﺮ ﻣﻠﮑﯽ اﯾﱤ ﻻﺋﻦ ﮐﻮ اداﺋﯿﮕﯽ ﮐﺮﺗﮯ ﮨﯿﮟ ﺗﻮ آپ ﮐﮯ‬
‫ﮔﻮﺷﻮارہ ﻣﯿﮟ اداﺋﯿﮕﯽ ﮐﮯ ﻟﺌﮯ ﻇﺎﮨﺮ ﮐﯽ ﮔﺌﯽ رﻗﻢ اس رﻗﻢ ﺳﮯ ﻣﺨﺘﻠﻒ ﮨﻮﺳﮑﺘﯽ ﮨﮯ ﺟﺲ ﮐﯽ رﺳﯿﺪ ﭘﺮ آپ‬