Bank Alfalah advertised 0% markup for three- and six-month Smart Buy Scheme (SBS) instalment plans on selected Zero smartwatches and earbuds in a promotion dated 28 February 2025. That is a dated offer, not confirmation that the products or plans are available now. The bank’s promotion also says processing fees apply under its Schedule of Charges, so 0% markup does not necessarily mean a fee-free purchase.
What the promotion offered
Bank Alfalah’s document, “Zero Smart Watches & Earbuds SBS Promotion”, is dated 28 February 2025. It shows 0% markup for three- and six-month plans and lists instalment options up to 36 months. The longer tenures should not be treated as interest-free: the document shows different monthly instalment amounts for those plans.
A contemporaneous TechJuice report described the offer as available to Bank Alfalah credit-card holders and reported a total eligible-product price range of PKR 4,999–25,999. It named three smartwatch models and three earbuds. The bank PDF lists a different or earlier-scoped set of watches; the two model lists should not be combined into one confirmed catalogue.
Smartwatches and prices in Bank Alfalah’s PDF
The following are the listed prices in the bank’s 28 February 2025 promotion. The PDF includes monthly amounts for 3, 6, 9, 12, 18, 24, and 36 months.
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| Model | Listed price | Plan detail in the PDF |
|---|---|---|
| Zero Regal AI Smartwatch | PKR 25,999 | 0% markup at 3 and 6 months; longer tenures are also listed |
| Zero Royale Smartwatch | PKR 14,999 | 0% markup at 3 and 6 months; longer tenures are also listed |
| Zero Revoltt Pro Smartwatch | PKR 12,999 | 0% markup at 3 and 6 months; longer tenures are also listed |
| Zero Luna Smartwatch | PKR 6,999 | 0% markup at 3 and 6 months; longer tenures are also listed |
Those model prices and plan labels come from Bank Alfalah’s dated promotion PDF. Check the original schedule for the applicable monthly amount and tenure rather than assuming a longer plan carries the same terms as the 3- or 6-month option.
Earbuds and additional models in the report
TechJuice named Zero Jaguar among the smartwatches and Zero Robo, Zero Rover Pro, and Zero Wave Neo among the earbuds. Its reported PKR 4,999–25,999 range covered the eligible products it described; it did not supply a precise publication date in the search result. The bank PDF available for this promotion is dated 28 February 2025 and does not establish that all the report’s models were included in that same schedule or remain in stock.
Rank #2
- Designed with a bright, colorful AMOLED display, get a more complete picture of your health, thanks to battery life of up to 11 days in smartwatch mode
- Body Battery energy monitoring helps you understand when you’re charged up or need to rest, with even more personalized insights based on sleep, naps, stress levels, workouts and more (data presented is intended to be a close estimation of metrics tracked)
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- Wheelchair mode tracks pushes — rather than steps — and includes push and handcycle activities with preloaded workouts for strength, cardio, HIIT, Pilates and yoga, challenges specific to wheelchair users and more (data presented is intended to be a close estimation of metrics tracked)
Fees, eligibility, and availability to verify
Processing fee
Bank Alfalah’s 2025 PDF states: “Processing fee will be charged as per Bank Schedule of Charges”. Therefore, a 0% markup plan should not be read as having no additional charges. TechJuice also reported that processing fee and FED could apply depending on tenure, but the exact cost for a purchase needs confirmation from the bank.
AlfaMall’s general terms state that, effective 1 July 2026, its minimum processing fee is 2.5% or PKR 1,500, whichever is higher, plus FED. These are general AlfaMall terms, not confirmation of the precise fee for the 2025 Zero device promotion. See AlfaMall’s terms and conditions and ask Bank Alfalah which schedule and charges apply to the transaction.
Rank #3
- 【Crystal-Clear Bluetooth Calls & Message Notification】 AEAC smart watch with Bluetooth 5.3 and a built-in DSP chip, enjoy ultra-clear call quality and zero lag. Stay connected on the go with real-time SMS and app notifications (Not supporting reply messages)—all from your wrist.
- 【1.85" HD Display with 60Hz Refresh Rate】Experience crisp visuals and smooth scrolling on the vibrant 1.85" HD touchscreen. Plus, you can also upload photos of your family, pets, and scenery to customize a watch face with your own style.
- 【24/7 Health Monitoring】Track your health around the clock with advanced sensors. Monitor heart rate, sleep stages, stress levels, and more, helping you make informed choices for a healthier lifestyle.
- 【Fitness Tracking with 100+ Modes】Elevate your workouts with over 100 sport modes, including running, swimming, yoga, and more. The IP68 waterproof design ensures it’s ready for your toughest adventures, from the gym to the pool.
- 【Seamless Compatibility & Long Battery Life】AEAC smart watch works effortlessly with iOS and Android smartphones. Enjoy up to 7 days of battery life on a single charge, so you never have to worry about recharging.
Card, credit limit, and stock
The TechJuice report says the promotion was exclusively for Bank Alfalah credit-card holders and notes credit-limit approval and stock as constraints. AlfaMall’s general terms say installment purchases require a credit card from a local bank and are subject to merchant stock. Confirm the eligible card, available credit, and the specific product’s stock before placing an order; general platform terms do not by themselves establish the eligibility rules for this particular dated promotion.
Missed payments
AlfaMall’s general terms warn that failure to make the minimum payment can trigger service fees or other charges under the card terms. Review the applicable card agreement and payment schedule before committing to instalments.
Rank #4
- Watch JIU
Is the offer still active?
The device-specific bank document is dated 28 February 2025, and the available sources do not confirm that this smartwatch-and-earbud promotion remains active in October 2026. Bank Alfalah’s terms index lists a general “3 Months SBS, 0% MUP and 2.5% Processing Fee” item dated 15 July 2026 and credit-card terms dated 25 August 2026, but those listings do not verify that the Zero-device promotion is live.
Before buying, contact Bank Alfalah or check its current official offer channels for the exact model, current stock, qualifying card and tenure, markup, processing fee and FED. Do not rely on the 2025 product prices or promotion wording as a current quotation.
Quick Recap
Best Value
- 【120 Sports Modes & Advanced Health Tracking】Our TG08 smart watches for women men come equipped with 120 sports modes, allowing you to effortlessly track a variety of activities such as walking, running, cycling. With integrated heart rate and sleep monitors, you can maintain a comprehensive overview of your health, achieve your fitness goals, and maintain a balanced, active lifestyle with ease. Your ideal wellness companion (Note: Step recording starts after exceeding 20 steps)
- 【1.83" HD Display & Customizable Watch Faces】Immerse yourself in a vibrant 1.83-inch IPS display, boasting a sharp resolution of 240*284 for crystal-clear visuals. Effortlessly personalize your smart watch with a wide array of customizable watch faces to suit your personal style for every occasion—whether trendy, artistic, or minimalist—ideal for casual, sporty, or professional. Its sleek, modern design complements any outfit, blending technology and fashion seamlessly for everyday wear
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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.
