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Refund Policy

Last updated 25 September 2026

This policy explains when and how Saer Karo Travel and Tours (SMC-Private) Limited ("SAER.PK", "we") refunds payments made for flights, Umrah packages, hotels and other travel services booked on saer.pk.

1. How to request a refund

Request a refund from your account dashboard (Manage Booking), or contact our support team with your booking reference and the passenger names. Only the person who made the booking, or the passenger, can request a refund.

2. How much is refunded

The refund is the amount you paid, minus:

  • the airline's cancellation penalty under the fare rules of your ticket;
  • any taxes or charges the airline does not refund;
  • the SAER.PK service fee of PKR 2,000 per passenger (see our Ticket Cancellation Charges).

Non-refundable fares return only the refundable taxes, if any. A passenger who does not show up for the flight (no-show) is refunded according to the airline's no-show rules, which may mean no refund.

3. Cancellations by the airline

If the airline cancels your flight or changes its schedule significantly and you choose not to travel, you receive whatever the airline refunds in full. SAER.PK does not charge its service fee in this case.

4. Failed or duplicate payments

If your payment was taken but no ticket or booking was issued, or you were charged twice for the same booking, the full amount is refunded with no deduction.

5. Umrah packages and hotels

Visa fees become non-refundable once the visa application has been submitted. Hotel and transport refunds follow the cancellation terms of the hotel or provider, which are shown before you pay. Flights in a package follow sections 2 and 3.

6. How long a refund takes

We process your refund within 7 working days of receiving the funds from the airline or supplier (or of confirming a failed or duplicate payment). After that, how long it takes to reach your account depends on your payment method and your bank.

7. Where the refund is sent

  • Card payments are refunded only to the same debit or credit card used to pay. We do not refund card payments in cash, by bank transfer, or to any other card or person.
  • Payments made by bank transfer or bill payment are refunded to a bank account in the name of the person who made the payment, after we verify it.

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