Best Internet Debit Cards in Pakistan for Online Shopping Everywhere

57
Debit Cards in Pakistan

Are you one of the guys who see mind-blowing deals on AliExpress, Banggood, geekbuying, Amazon and gearbest end up without ordering them because you don’t have a credit card or an internet working debit card? Is lack of a credit card limiting your shopping options? Do you miss amazing prices and deals on international websites just because you can’t afford an international prepaid debit VISA or MasterCard to place an order?

Well, today I am going to solve your problem once and for all by telling you about the top two internet prepaid debit cards in Pakistan and that too without opening a bank account. You can use these debit cards on any international website.

MCB Lite

Just as its name, MCB Lite is a light on your pocket product from MCB Bank Limited. It is a bank account which is a combo of an app and a prepaid VISA debit card. With MCB Lite, your mobile number becomes your Lite account number so you don’t need to panic about remembering your account number. The MCB Lite VISA prepaid debit card can be used to shop at any international website. To perform and keep a track of your transactions, MCB Lite web based interface and an app for both android and iOS is available.

 

 

How can I get an MCB Lite Card?

MCB Bank offers a variety of options to apply for the Lite card. Keeping in view your ease, you can obtain the VISA debit card by any of the following methods

  1. Apply online and get the MCB Lite card delivered to your doorstep (is not it amazing?) in 7-14 working
  2. Call MCB Helpline 021-111-000-622
  3. SMS lite to 6222, or
  4. Visit any Lite Enable Branch

What are the subscription and annual charges? How to pay the charges and activate?

The joining and the annual fee of MCB Lite is PKR 300 only. Once you receive the Lite card, there will be no balance in your Lite account but don’t you worry, you can deposit the initial balance by any of the following methods.

  1. Easypaisa or Jazzcash account / shop (Use the option “send money to any bank” and select MCB Bank, Easypaisa and Jazzcash charges may apply )
  2. Nearest MCB Branch (Free)
  3. IBFT from any other bank (other bank charges may apply)
  4. Transfer from any other MCB account via ATM or mobile Banking (FREE)

Amazingly, you don’t need to remember a long and complex account number. The account number for all the above transactions will be simply your mobile number. Once you have deposited a minimum of PKR 300 in your Lite account, you can call MCB helpline (021-111-000-622) to activate your Lite card and you are done.

How can you use your Lite card for online shopping?

By default the MCB Lite Card is disabled for online shopping at international websites but you can call MCB helpline (021-111-000-622) to activate your Lite card for online shopping. As per your request MCB Lite card can be activated for international shopping for a limited time period or a lifetime (wow).

What you can do with the MCB Lite app?

The  MCB Lite app works as a mini version of internet banking for your Lite account. You login with your account number (Mobile number) and a login PIN. You can do the following with the app.

  1. Check your balance and mini statement (last 10 transactions) (Free)
  2. Send money to any MCB account or MCB Lite account (Free)
  3. Send money to any other bank account via IBFT (For PKR 30 upto PKR 100,000)
  4. Buy top-ups, pay mobile bills, pay utility bills and donate money (Free)
  5. Contact MCB Bank via E-Mail (Free)

Here is how the MCB Lite app interface looks

 

Transaction Limits of MCB Lite

You can find the transaction limits of MCB Lite here

Pros of MCB Lite Card

  1. You can perform and keep a track of all the transactions via app or web based login, provides you ease of access from anywhere you have the blessings of internet.
  2. Free SMS alerts on every transaction
  3. Variety of options for depositing funds
  4. Your number becomes your Lite account number, easy to remember.

Cons of MCB Lite Card

  1. It is very difficult to access helpline services sometimes. The calls you make to the helpline are frequently disconnected especially during peak hours.

 

UBL Wiz Card

Just like MCB Lite Card, UBL Wiz is product of UBL bank backed by MasterCard that lets you shop at international websites without the hassle of opening a bank account. As compared to MCB Lite, it has less features, but still stands a good choice for online shopping.

How can I get an UBL Wiz Card?

Unfortunately, there is no online application for applying for this card. You will have to go to nearest UBL online branch along with a photocopy of your CNIC, a proof of your job or business and an initial deposit of PKR 500.

What are the subscription and annual charges? How to pay the charges and activate?

The initial subscription charges of UBL Wiz card are PKR 110 and can be paid at the time of subscription of the UBL Wiz at the branch. Usually you will fill one form for subscription and then deposit money in your UBL wiz card. The amount can be deposited at UBL branches only. After you have deposited the amount you can activate you card by calling UBL helpline (021- 111 825 888). The first eight digits of your Wiz card are your account number.

How can you use your UBL Wiz card for online shopping?

By default the UBL Wiz Card is disabled for online shopping at international websites. You can call UBL helpline (021- 111 825 888) to activate your UBL Wiz card for online shopping. As per your request UBL Wiz card can be activated for international shopping for a limited time period or lifetime.

Features of UBL Wiz Card

  1. Any person having a valid CNIC can obtain a UBL Wiz card
  2. Can be used at all ATMs and point of sales (VISA and MasterCard acceptability only) across the globe
  3. Mini Statement, Balance Inquiry, and Utility bill payment via UBL ATM only
  4. Free E-statement facility

UBL Wiz Card Limits

You can find the UBL Wiz card transaction limits here.

Pros of UBL Wiz Card

  1. Good customer support via helpline

Cons of UBL Wiz card

  1. No SMS alerts so you don’t know the exact amount you pay per transaction
  2. You can reload your card at UBL branch only.
  3. You have to visit UBL ATM for checking balance, mini-statement or performing a transaction like paying utility bills.
  4. No dedicated app on either platform. Functionality failures on main UBL iOS app.

Hidden Charges / Taxes When Pay at International Websites

You might have heard that Pakistani banks charge hidden charges or taxes when you use a card at an international website. Well this is a misconception. We maintain our bank accounts in PKR whereas payments on international websites are in US dollars. At the time of payment, your bank converts your PKR to US Dollars and it charges a fee for converting your PKR to USD. This fee is called conversion fee which is 3% for payments made via MCB Lite and 4% for payments made via UBL Wiz card. For example if inter-bank rate of USD is PKR 100 on a particular day, you will end up paying PKR 103 if you pay with MCB Lite and PKR 104 if you pay with UBL Wiz.

MCB Lite or UBL Wiz?

Well, as a shopping freak myself, I have experienced both. In my opinion MCB Lite is way better than the UBL wiz card. On one hand, UBL Wiz is limited to a card, UBL branch and an ATM. On the other hand, features such as the prompt SMS alerts, variety of options for depositing funds, performing and monitoring transactions via the app make MCB Lite the winner here.

 

Parcel Forward

57 COMMENTS

  1. Hello, While applying for MCB Lite online, it is asking for Invitation Reference and OPT we can leave the Reference field blank but what about OPT. If I leave that field too it gives me this error; “Please enter OTP. All fields with ‘*’ are mandatory”.

    What should I do now?

  2. MCB lite card is not still working with aliexpress.com so i think its not suitable for online shopping MCB lite card have totally failed and purchasing card fee is RS:375 not 300
    please correct it

    as well as i have no experience of UBL wizz card i will try it and update you guys soon

    • Please activate your card for online shopping by calling MCB helpline and ensure it has enough balance (interbank rate + 3% +3% (bank conversion fee+tax) ) I by stuff worth 30,000 every month from AliExpress using my MCB lite card. It is one of the best cards for online shopping. As far as the annual fee is concerned, the bank changes it in every July and January. We published this article in May and the fee changed in July. if you have any further questions please feel free to ask.

  3. Sir i am calling mcb help line for 1 week they always have system error while activating my internet session. Did you faced the same problem??

    • Perhaps try calling during working hours? Hopefully now that holidays are over, they have managed to fix the problem. If I was in your place I would call on a Tuesday to give them a full day to fix whatever issue it is they are having.

  4. Assalamualaikum bilal bhai can you please tell me that i can associate this MCB lite card in my website transactions or my google adsense account?

    • At the time you get the card, you will have to deposit Rs 400 in your lite account from mcb branch or IBFT from any other bank. MCB bank will automatically deduct Rs 375 for the first year and then after one year the amount for 2nd year will be deducted from your lite account.

        • MCB lite cards are working fine. I am a member of many groups for online shopping and no user has reported anything. My own MCB lite card is working ok Please contact mcb helpline if there is any issue in your MCB lite card.

  5. I applied for MCB Lite about a month back. Still they say that due to maintenance new cards are not being issued. They should have told that while I was applying. Really disappointed

    • Well i have applied on 10th Aug 2018 and today it’s 28th OCT ALMOST MORE THAN 2 MONTHS still i have not received it. they said ill get the card in NOV lol…

      • You guys need to contact the helpline of MCB bank limited. sometimes it is delivered to your nearest MCB branch.

  6. Salam brother, i have applied for MCB Lite Card since two months the card has not been arrived, and also i want to know i want to advertise my website in Facebook ads, google adwords and twitter promote ads, would MCB Lite Card works for advertisings?

    • You can get the latest information of your MCB lite card status by calling MCB helpline 021-111-000-622. Yes it will work for advertising.

    • Yes. For recurring payments, you will have to activate your MCB lite or ubl Wiz card for online payments permanently or for the period in which you want the recurring payments to be made. Ensure there is sufficient money in your card as these are debit cards.

  7. Can we use MCB lite / wizz card for shopping on aliexpress.com as state bank ristricted foreign transactions on all debit cards now a days.

    • Yes you may, but I do know that MCB lite has gone inactive, but my MeezanBank debit card works well with all international purchases. Also with Daraz’s partnership with AliExpress, you may just get the product via Daraz, no?

  8. Mr. Bilal Ahmad
    Can you please tell about which international Online Websites are compatible with MCB LITE card.
    My main query is for
    – UBISOFT
    – Amazon
    – ebay
    – Alex press
    Regards,

  9. Hi, how can I pay for Netflix as I have already tried my ABL debit card cannot work for this purpose and ubl wiz card is inactive so what could be simple option?

    • ABL has some issues with online payment even for buying airplane tickets. Best solution for Netflix is to purchase a prepaid card available on Keenu, Shophive, techstudio.pk

  10. Hi,
    I need to make a payment of around PKR 1 million. The payment is tuition fees of an international university but it is to be paid in Pakistani Rupees to a third party. It allows to pay via Visa Card. Will I be able to make this payment from my Debit Card? or will there be a transaction limit issue? Can I resolve this transaction limit issue by consultation with the bank?

    • I hope you have resolved the issue by now but just for information, if you have enough money in your account, please go ahead with your debit card.

  11. Dear Bilal Bhai,
    I am using wiz internet card since 8 years. This card donot require any session activation as it is by default activated for internet. But since last year i am facing difficulties as no online merchant is accepting wiz card and they say that your card is 3d secure.

    And it will work only on those sites which have 3d secure functions so i think wiz card is no more considered as online shopping card.

    Do you have any idea about this/

    • Please contact with your bank. Most of the times they issue you a new card with no extra charges. the new card is more secure and compatible with latest payment mechanism on websites.

LEAVE A REPLY

Please enter your comment!
Please enter your name here

This site uses Akismet to reduce spam. Learn how your comment data is processed.