MCB Lite Card own Mobile Wallet


What is MCB Lite card?

MCB Lite is a socially connected payments solution that saves you time and money by enabling you to make unlimited free payments through a Visa Card and a Mobile Wallet. MCB Lite Card is a Visa enabled card, which is linked to your MCB Lite Mobile Wallet. It provides you with the same flexibility of a Visa Debit Card.

How do I order a MCB Lite card?

You can apply for MCB Lite simply through: Visit any of the Lite Enabled Branches and fill out the Application Form. As soon as your information is verified and approved, deposit the permissible charges into your Lite wallet and your relationship pack will be delivered to you.

How can I check my MCB Lite balance?

You can view your MCB Lite mini-statement through your Mobile Wallet. Simply log onto and select “mini statement” or request for an e-statement by calling the MCB Bank Call Center on 111-000-622 (MCB Bank).

How do I deposit money into my MCB Lite card?

You can deposit funds in to your MCB Lite Mobile Wallet by visiting your nearest MCB Bank Branch. You will be required to fill out a Deposit Slip, a copy of which you will keep as proof of deposit.

MCB Lite FAQs What is MCB Lite? 


You can apply for MCB Lite simply through:

Visit any of the Lite Enabled Branches and fill out the Application Form. As soon as your information is verified and approved, deposit the permissible charges into your Lite wallet and your relationship pack will be delivered to you.

Upon successful registration and even before you receive your relationship pack you will be able to set your Mobile Wallet Login PIN through a link that will be shared with you via SMS on your registered mobile number. This will allow you to get instant access to what is in store for you once your account is active and fully functional.


Now all that is left to do is call the Call Center and set your Transaction / ATM PIN** for your Lite Card through the IVR and you are ready to transact!

** This PIN is used at ATMs and to authenticate transactions made via the Mobile Wallet

MCB Lite Charges and Limit


Fee Structure (PKR) Visa Debit Card PayPak Debit CArd
Annual/Renewal 465/- 425/-
Replacement 220/- 200/-


Transactional limits Level 0 Level 1 Level 2
Daily Limits** Deposit: PKR 25,000 Deposit: PKR 50,000 Deposit: PKR 100,000
Withdrawal: PKR 25,000 Withdrawal: PKR 50,000
Withdrawal ATM: PKR 50,000*
** Daily transactional limits (shopping,utility bills,IBFT etc) for level 2 is up to PKR. 100,000
Monthly Limits Deposit: PKR 50,000 Deposit: PKR 200,000 Deposit: PKR 500,000
Withdrawal: PKR 50,000 Withdrawal: PKR 200,000 Withdrawal: PKR 500,000
Yearly Limits Deposit: PKR 200,000 Deposit: PKR 800,000 Deposit: PKR 5,000,000
Withdrawal: PKR 200,000 Withdrawal: PKR 800,000 Withdrawal: PKR 5,000,000
Daily Mobile Top Up Limit PKR 5,000 PKR 5,000 PKR 10,000
Balance Limit PKR 200,000 PKR 400,000 Unlimited

3rd Party Charges

ATM Withdrawals (International Usage) Up to 2.75%-MAXPKR 300/-
Withdrawals from 1-Link ATM PKR 18.5/-
Balance Inquiry from 1-Link ATMs Up to PKR 2.5 per transaction
International ATM balance inquiry PKR 60/- per transaction
Voucher Retrieval fees Up to PKR 300/- (Local) PKR 900/-(International)
Arbitration Charges Up to US$ 500/- or equivalent
Inter-bank Funds Transfer Rs. 1 to Rs. 10,000/- PKR 40 per transaction
Rs. 10,001 to Rs. 100,000/- PKR 45 per transaction

*The Annual/Replacement fee is exclusive of all taxes.

Services and Features

Global Acceptance

The Mobile Wallet comes with a Visa powered card which is accepted at millions of merchant locations worldwide and close to 2 million ATMs across 200 plus countries and territories. Add to this the ability to access your funds, make payments, and pay bills from anywhere in the world.

Telecom/Device Compatible

The innovation works with all five telecom service providers in Pakistan and runs on all internet enabled handsets or smart phones. This feature, with zero switching cost, is specially designed to make the spread of the innovation easy and to help you bring your “inner circle” onto the Mobile Payments Grid with minimal effort.

Bank Independent

Good news! You don’t need to be an Account Holder to use this innovation. Lite Mobile Wallet resides on top of your existing bank account. This means that you don’t need to switch from your existing Bank, whichever that may be, to in order to get this innovation. Instead you can simply use your Mobile Wallet in conjunction with your existing bank account and load it via IBFT or branches.

Unlimited Usage

Digital payments are demonetized and made free of charges so that you and your “inner circle” save more time and money as your transactions increase. So now you can enjoy the benefits of being on the Mobile Payments Grid without being concerned about paying charges every time you make payments, send or receive money or manage your finances.

Exclusive Discounts

Be it shopping at popular retail outlets, relaxing at a spa, having fun with friends and family or dining out at the finest restaurants, benefit from gratifying discounts at our numerous partner merchant outlets.

Online Shopping

The payment solution lets you shop securely and safely at local and international online stores.
In an effort to enhance security, we have introduced a new feature through which you can enable or disable your online shopping for the period you wish by calling our Call Center at +92-21-111-000-622

Pay Anyone

In times of need, you can send money to anyone in Pakistan:
Any Lite User
Any Account Holder
Any other Bank Account Holder through IBFT Guide

* The receiver must apply for Lite in order to access the money through his/her Mobile Wallet


Always stay connected. Pay mobile phone bills or buy top-ups of all five Telecommunication companies in Pakistan.

Utility Bills

  • CDGK
  • KWSB
  • Wi- Tribe
  • KESC
  • PTCL


From Shaukat Khanum to the Prime Minister’s Relief Fund, you can donate to an ever growing list of charities.


Control and manage your overall banking relationship with through your smart phone by making payments for credit cards, paying insurance premiums loading money from your other depository relationships with the Bank and much more.

Money Management

Practice the art of just-in-time money management.
Instant transfers now allow you to move funds within your bank accounts, free of cost. The combination of Mobile Wallet management, SMS notifications and the occasional visit to Website services allows you to keep an eye on your overall digital activity and stay on top of your spending.