Cash Back Program

What is cash back program? For cash back program AIB offer all Platinum Credit Card customers a cash back on retail transactions from the net amount.

Cash Back Rewards Calculation

For the purpose of Cash Back Program hereto, following formula will apply,

(Number of points for each 1 US$ = 1 Point and each point is = 0.005 US$)

The accumulated amount of cash shall, twice each year, be credited into the Cardholder’s card with Afghanistan International Bank.

Eligibility Criteria

  • Every customer holding a Platinum Card shall, irrespective of settlement conditions, be eligible for this Cash back Program. Provided further that, amongst the mentioned customers, Principle Cardholders are only eligible for this program, whilst supplementary Cardholders shall not be eligible to participate.
  • In order to earn points the cards shall neither be expired nor canceled, however if the card in accordance with Section ….. Of this GTC is lost or stolen and the Cardholder has not requested for its replacement within 30 days from the date of such event, all earned points shall be nullified.
  • The Cardholder shall, subject to this terms and conditions, be required to update his payment status when required in order to avail the accumulating points. Where the Cardholder fails to settle his dues within 30 days after the payment due date indicated in his monthly statement, he shall not be eligible to earn points or Cash back during the mentioned period, whilst his current accumulated points and (or) Cash Back balance shall remain unchanged.
  • Notwithstanding anything contained in Clause 2.3 of this GTC, where the Cardholder fails to settle his card’s due payment for another 30 days (amounting to a total of 60 days delay) all his/her current points will set to zero.
  • Platinum Credit Cardholders using their cards for retail transactions (Point of Sale devices ("POS") and online purchasing through internet) for commencement of their transactions thereby, shall be entitled for Cash Back rewards and points; whilst a mere withdrawal of cash shall not entitle him for such rewards.
  • Subject to the provisions of this GTC, following shall not entitle the Cardholder for this Program, mainly,
    • Reversed transactions,
    • fraudulent and disputed transactions,
    • transfers, and,
    • Fees and Charges (including, but not limited to late payment fees, debit interest fees, annual and renewal Card fees).

Events of Cancelation of the Card

In case of loss of Card due to theft or any other reason, the Cardholder,

Cancels the card; or,

Requests for replacement of the card,

S/he shall be entitled to benefit points accumulated and (or) cash Back balance.

Should the Cardholder opt to cancel his principal and supplementary Card(s), the accumulated Points and (or) Cash Back earned on such Card(s) will expire after 30 days from the date of cancellation of the Card.

Should a Cardholder who has several Cards, opts to cancel any of it, such Cardholder shall further have the right to transfer the accumulated Points and (or) Cash Back amount forthwith from canceled Card to the active one, provided that both Cards shall be owned by same Cardholder.


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