In Pakistan there is problem with VISA debit or credit card that they do not work on most global channels like Google etc. Many banks in the past have tried to solve this issue like UBL WIZ Visa Prepaid Debit Card which was one the good efforts but as a matter of fact it also did not work.
Recently announced by MCB, Prepaid Lite Visa Debit Card, is a card that works on almost all global channels. It is verified by many users around Pakistan that where other card does not work, it works. Either you have to make an online payment or you have to pay your utility bills, you can your use MCB Lite card. It works without any hassle.
Some of the best things about MCB lite are
- Global Acceptance
Works on all global channel
- Smartphone App
to help you on the go
- Bank independent
Does not require any bank account to get
- Unlimited Usage
You can use it as many times as you want and as much as you want.
- Hassle free online shopping
Secured shopping to let you shop anything.
- Paying Utility Bills
Pay your bills from home
- Exclusive discounts
Let you get some special discounts on many outlets.
- Pay anyone
You can make payments to
MCB bank account
Other bank account holder through IBFT
Any valid CNIC holder (coming soon)
- Mobile top ups
Reload your mobile phone with lite card or pay your mobile bills
Make donations to any charity services
- 24 Hours Working Helpline
Yes you can call MCB at anytime of day or night to get support even out of Pakistan
- Free Funds Transfer
Make a transfer of your funds from account free of cost.
With lots of others benefits MCB have left behind any other bank in its competition but some cons are still attached.
Some cons that i find are
- Limited Availability
MCB Lite is not available at every branch of MCB bank. However they are available almost at every city.
- Annual cost
UBL WIZ card does not have any annual charges while it have RS 1000 annual charges which is i think should not be.
- Deposit limit
You can deposit a maximum of 200K daily. This is sometimes not good on high limit account as you may have more then that too.
- POS limit.
You can use a maximum of 100K per day. Some of my friends are not happy with that and they say that this limit should be 300K per day.
- 3rd party charges
Yes there are many of them.
Following is the detail of charges for MCB Lite Visa Debit Card
- International ATM Usage: 2.5% or transaction or minimum 250 Rs
- Local ATM Usage (Non MCB) – MNet: 10 Rs
- Local ATM Usage (Non MCB) – Link 1: 15 Rs
- Balance Inquiry: 5 Rs – Link 1
- Balance Inquiry: 4 Rs – MNet
- Balance Inquiry: 50 Rs – International
- Voucher Retrieval Fee: 250 (Local), 800 (International)
- Inter-bank Transfer Charges: 20 Rs
- Arbitration Charges: $500
Get MCB Lite Card:
Its as easy as ordering a pizza or doing an online purchase. Just visit Registration Page, fill details there and your card will be delivered to you at your home. After that register yourself at Online Banking.
Then visit MCB branch with a deposit of 2000 Rs and you will get your working. After that you can use the card anywhere.
Yes MCB lite also have launched its official android app named with MCB Lite Mobile Wallet on play store. This app is helpful as you can stay connected with your account on your own android phone. You can avail discounts, check balance, transfer funds, make payments and top up your sim via this app.
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