Wallet Terms & Conditions

These terms apply to every wallet balance and every wallet transaction from the effective date. By adding, holding, or applying credit, you accept them.

You must be 18 or older and hold a verified 3Musafir account. The quick summary above is for convenience and does not change the full terms.

The wallet is a digital balance in your 3Musafir account, in Pakistani Rupees (PKR); 1 credit = PKR 1. Your balance is pooled. It is a payment tool for 3Musafir services.

It is not a bank account or deposit, and 3Musafir is not a bank or payment service provider. No interest or return accrues on it, and it is not insured or protected by any deposit protection scheme.

Wallet credit can be used only to pay for 3Musafir trips and other offerings that 3Musafir marks as wallet-eligible.

It cannot be redeemed, withdrawn, or converted into cash, and cannot be paid to any bank account, card, or mobile wallet, whether you close your account, cancel a booking, or stop using 3Musafir.

The only exceptions are in section 6 (transfers we did not credit or credited in error) and where the law requires otherwise.

Credit can be added by:

Cashback is selected at booking and does not reduce the amount due. It is credited only after all of these are true:

You may add credit by choosing an offered top-up package, paying by bank transfer to a 3Musafir account, and uploading proof of payment. Transfers must come from a bank account in your own name; 3Musafir may hold, reject, or report any transfer that does not, or that looks suspicious.

Credit is added only after 3Musafir verifies and approves the payment. We are not responsible for delays or errors at your bank or for transfers sent to a wrong account.

Once credited, top-up credit is wallet credit and follows section 3: it is not refundable in cash. If we did not credit a transfer, credited it in error, or the transfer is later reversed or disputed, 3Musafir may return the amount to the originating account or reverse the credit.

3Musafir may add an expiry to future top-ups with notice.

Rewards are credited after the referred person completes and reviews their first trip, at the amounts 3Musafir publishes from time to time. 3Musafir may change them for future referrals; rewards already credited are unaffected.

No reward is payable where the referrer or the referred person is blacklisted, or where 3Musafir finds self-referral, duplicate accounts, or other abuse.

You may apply available credit to a trip payment in full or in part, alone or with a bank transfer, up to the remaining amount due.

Credit cannot be combined with a cash payment, cannot exceed your balance, and works only where the departure has wallet payment enabled. Wallet credit is in PKR and cannot be used on trips priced in a foreign currency.

If a payment fails, is rejected, or is rolled back, the credit used is returned with its original expiry date.

Some credits carry conditions shown when issued (specific trips, minimum spend, end date); those conditions apply.

Where a refund is issued as wallet credit, the amount and any fee follow the Refund Policy or the trip-cancellation terms for your booking. 3Musafir decides whether a refund goes to your wallet or to the original payment method, and wallet credit is the default.

If 3Musafir cancels a trip, your refund is credited in full to your wallet with no cancellation fee and is valid for 12 months from issue.

Credit expires as follows:

Wallet credit is personal to your account. It cannot be sold, gifted, assigned, pledged, shared, or moved between accounts, and 3Musafir will not recognise any private arrangement to do so.

3Musafir may exclude trips, promotions, or partner offerings from wallet payment, and may change eligible offerings and limits for future use.

If credit is added or deducted by mistake, or a payment behind a credit is reversed or disputed, 3Musafir may correct the balance, including reversing the credit and recovering spent value from your other credits, future cashback, or future amounts due.

Each correction appears in your wallet history with a reason.

You are responsible for keeping your login, OTPs, and devices secure. Credit spent through your account before you report a compromise is your responsibility, except where 3Musafir's own error caused it.

Report suspected unauthorised use to support immediately.

3Musafir may suspend or restrict wallet use, reverse credits, and withhold rewards where it reasonably believes an account is involved in any of the following:

If your account is closed or deleted, remaining credit is not paid out in cash and continues to expire under section 10.

Trip prices and applicable taxes are as shown at booking. Adding or using credit does not change your tax position or 3Musafir's.

To the extent the law allows, 3Musafir is not liable for indirect or consequential loss, for loss caused by third-party banks or systems, or for downtime. Our total liability for a wallet claim is limited to the balance in dispute. Nothing here limits liability that cannot be limited by law.

Please contact support within 30 days of the wallet entry you dispute; we will still review later disputes on reasonable grounds. Absent manifest error, 3Musafir's ledger is the record of your balance.

3Musafir may update these terms. Material changes take effect 15 days after notice by in-app banner, email, or posting on this page. Changes do not reduce credit already issued unless you agree or the law requires.

These terms sit alongside the Trip Registration Terms, the Refund Policy, and the Community Equity Framework. On wallet matters, these Wallet Terms prevail. If any part is unenforceable, the rest stays in force.

Pakistani law governs, and the courts of Lahore have jurisdiction.