| Smart Card / Debit Card | Features | Support | Security Tips | FAQs | ATM Locator |
| FAQs |
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| What is SmartCard? |
| SmartCard is your multi-function debit card that provides you with round the clock access to your bank account for purchasing, cash withdrawals and other transactions. |
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| How to get your MCB Smartcard? |
Get the SmartCard by opening an account with any of the over 250 MCB Online branches in 30 cities across the country.
SmartCard is available in the Classic and Gold category with a further choice of Local or International versions. With these card categories, supplementary cards for your family members are also available. The difference between the classic and gold categories is based on their purchasing and withdrawal limits as given below. |
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ATM Withdrawal
Limit (Rs.) |
POS Purchasing
Limit (Rs.) |
| Local |
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| Classic |
10,000 |
50,000 |
| Gold |
25,000 |
100,000 |
| International |
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| Classic |
10,000 |
100,000 |
| Gold |
25,000 |
150,000 |
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| How do I use my SmartCard? |
You can use your SmartCard at ATMs and POS (Point of Sale) terminals. At POS terminals, the merchant will swipe your card, enter the transaction details and you will approve the transaction yourself by entering your PIN (Personal Identification Number).
Payment will be made electronically by debiting your account. |
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| Where can I use my SmartCard? |
| In Pakistan you can use your debit card at merchant locations wherever you see the MCB Cards and Cash Free sign. You can also use your card at MCB ATMs with the 24 hours logo and on ATMs of MNet member banks where you see the MNet logo. International cards can be used outside Pakistan at merchant locations with the Maestro sign and ATMs with the Cirrus logo. |
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| What is a Point of Sale (POS) terminal? |
POS terminal is an electronic device at merchant locations on which you use your card to make payments.
Are my limits different for cash withdrawal ATMs and purchasing at merchant locations?
Yes you have separate daily limits for cash withdrawal and purchasing (see Daily Transaction Cycle Limit Schedule). |
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| What is a transaction slip? |
| After completing a transaction at ATM or POS terminal, the transaction details are provided to you on a printed slip by the respective device. Retain this to reconcile your account statement. |
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| Is my PIN of SmartCard and MCB Mobile Banking the same? |
Both these PINs are different. Your SmartCard PIN is issued by the bank for doing transactions at ATMs and POS terminals. The Mobile Banking PIN is specific for this facility only.
What if someone from the bank asks for my PIN?
Under no circumstances reveal your PIN to anyone….anyone! Your pin is equivalent to your signature of approval. |
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| What if my PIN is disclosed? |
Immediately charge your PIN and notify the bank.
What is the maximum transaction amount?
You can carry out transactions subject to the daily limit on your card and the cleared balance in your account. |
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| What transactions can I carry out on ATMs using my SmartCard? |
You can withdraw cash and get your account balance from any MCB ATM or ATMs of MNet member banks. If you have an international card, you can get cash and balance information abroad from ATMs displaying the Cirrus logo. In addition the following functionalities are currently available only on MCB ATMs:
- Funds Transfer - Bill Payments - Mini-statement - PIN Change |
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| Can I get a refund of an earlier transaction from a merchant? |
| Refunds are only allowed at selected merchants. If your sale transaction slip reflects ‘No Refunds’ the merchant will not be in a position to do a refund transaction on your card. |
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