[OT] Banks of Pakistan | Services, Accounts, Debit Cards, Credit Cards. | Help 'n' Advice

Visa vs MasterCard - silver credit card


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Sky7

Beginner
Jan 9, 2012
26
0
1
Karachi
Do not the save the card info, Enter it manually every time. They've added some kind of weird restriction that declines the transaction if its initiated as a merchant transaction or whatever they call it. I don't understand the technical side of it but that's pretty much it. My card kept declining on Steam and by entering manually it worked.
I did entered my card details manually, it worked about a month ago but its not working right now and I also can't login on mcb lite mobile app it shows this error.

 

play3r1

Active member
May 13, 2013
301
5
23
I did entered my card details manually, it worked about a month ago but its not working right now and I also can't login on mcb lite mobile app it shows this error.

Their app is complete garbage. Use the website instead.
 

Afnan Mir

Ahoy!
Sep 7, 2007
1,264
0
42
Rawalpindi
Hi all, can only choose between HBL, Standard Chartered and MCB. Which one should I go for? Priority is online (international included) transactions and banking. Wont be making loads of transfers; barely one or two a month at max.
 

Yasir Nadeem

Seasoned
Jun 27, 2011
4,330
4
44
Karachi
Hi all, can only choose between HBL, Standard Chartered and MCB. Which one should I go for? Priority is online (international included) transactions and banking. Wont be making loads of transfers; barely one or two a month at max.
Easy, SCB. You can't go wrong with it. If you can't, then I'd wait for someone, who has experience with MCB, to chime in as I can only speak for HBL. HBL's debit card works almost everywhere I am talking Aliexpress, Netflix, apple's AppStore, play store, steam, etc. The site and mobile app work pretty great and I have had no problem with transfers, paying for stuff online such as bills, mobile top-ups, etc. One thing for HBL is their helpline is non-existent. You will be very lucky if someone picks up their phone and this has happened to me 100% of the times I needed to call (before COVID). This is one of the reason why I don't usually recommend HBL to people. HBL's bank staff, however, is on the contrary and always got my issues resolved. I always had to go to the bank, which is conveniently near my house. The banking staff for MCB was also friendly and helpful when I went there for inquiry though that doesn't depict how their service is as a customer.


Just my 2 cents.
 
Last edited:

Yasir Nadeem

Seasoned
Jun 27, 2011
4,330
4
44
Karachi
Forgot to mention that the debit card for HBL also works for subscriptions (that usually require credit card) on playstore, appstore and as well as origin for origin access (just tried it).
 

Sky7

Beginner
Jan 9, 2012
26
0
1
Karachi
Their app is complete garbage. Use the website instead.
Their website is working, also I just found out why my payment failed its because i didn't had enough money for the purchase because I got taxed (10 days after purchase) on my previous purchases. I'm pretty sure that mcb lite had no tax on international online purchases a few months ago but now they do?
 

Sky7

Beginner
Jan 9, 2012
26
0
1
Karachi
I tried using my mcb lite card on netflix but it said this "[FONT=&quot]There appears to be a problem with the card you are trying to use. Please use a different card or check with your bank to make sure your card is enabled for international transactions"
[/FONT]
I'm using old lite card not the new one that comes with chip, anyone else having same issue?
 

umar2050

Active member
May 24, 2007
437
0
21
I tried using my mcb lite card on netflix but it said this "There appears to be a problem with the card you are trying to use. Please use a different card or check with your bank to make sure your card is enabled for international transactions"
I'm using old lite card not the new one that comes with chip, anyone else having same issue?
MCB's debit card is also not working on me on netflix since the past 4-5 months
 

animelover

New member
Mar 12, 2019
8
0
1
Can anyone please confirm if their mcb lite card works online?Ever since i received there new chip based card it is not working anywhere i lodged multiple complains but despite that it wont work i am really frustrated due to this.
 

GrumpyCat

Intermediate
Aug 13, 2016
143
1
14
Rawalpindi
Can anyone please confirm if their mcb lite card works online?Ever since i received there new chip based card it is not working anywhere i lodged multiple complains but despite that it wont work i am really frustrated due to this.
Some new chip based MCB Lite cards are not working online, but old MCB Lite cards are still working online, even after activating new one and even after receiving sms that it will be blocked.

Try making payments with your old MCB Lite card details. It works for me atleast.

Can anyone please confirm if their mcb lite card works online?Ever since i received there new chip based card it is not working anywhere i lodged multiple complains but despite that it wont work i am really frustrated due to this.
POST UPDATED : 13-5-2020

New chip based MCB Lite need International / e-commerce activation from MCB helpline and then they start working for online payments.

I just activated that on my new chip based card and online transactions are working perfectly.
 
Last edited:

GrumpyCat

Intermediate
Aug 13, 2016
143
1
14
Rawalpindi
How do i make payment for Google Play Store apps?

I have MCB Lite and it's not working for Play Store, but works perfectly everywhere else.

Any solutions?
 

GrumpyCat

Intermediate
Aug 13, 2016
143
1
14
Rawalpindi
Their website is working, also I just found out why my payment failed its because i didn't had enough money for the purchase because I got taxed (10 days after purchase) on my previous purchases. I'm pretty sure that mcb lite had no tax on international online purchases a few months ago but now they do?
Its ~3.5% advance tax imposed by Government on all foreign online transactions and is taxed few days after transaction.
 

play3r1

Active member
May 13, 2013
301
5
23
How do i make payment for Google Play Store apps?

I have MCB Lite and it's not working for Play Store, but works perfectly everywhere else.

Any solutions?
I tried using my mcb lite card on netflix but it said this "[FONT=&quot]There appears to be a problem with the card you are trying to use. Please use a different card or check with your bank to make sure your card is enabled for international transactions"
[/FONT]
I'm using old lite card not the new one that comes with chip, anyone else having same issue?
MCB has blocked Google Play and Netflix on all their debit cards. Just some scummy business tactics to force users to get their credit cards.

Use alternate payment methods. Netflix also accepts billing through PTCL and Telenor Postpaid. Google Play has Direct Carrier Billing.
 

animelover

New member
Mar 12, 2019
8
0
1
New chip based MCB Lite cards are not working online, but old MCB Lite cards are still working online, even after activating new one and even after receiving sms that it will be blocked.

Try making payments with your old MCB Lite card details. It works for me atleast.
Nope i tried old one they have blocked it i even asked there customer service to unblock my old card as it was working online they said cant help it is removed from our record.I guess you just got lucky.
 

fayaz88

Intermediate
Oct 13, 2013
148
0
21
Mcblite working on Steam.
Not working on Origin, Playstore.
Mcb Credit Card works damn well everywhere
 

Sky7

Beginner
Jan 9, 2012
26
0
1
Karachi
MCB has blocked Google Play and Netflix on all their debit cards. Just some scummy business tactics to force users to get their credit cards.

Use alternate payment methods. Netflix also accepts billing through PTCL and Telenor Postpaid. Google Play has Direct Carrier Billing.
Mcblite working on Steam.
Not working on Origin, Playstore.
Mcb Credit Card works damn well everywhere
Mcb lite card is not working for me on easypaisa or even local payments however their website is working and money deposit/transfer is also working only card is not working idk why it worked fine a month ago but now its not working, as I mentioned before my card is old mcb lite card not the new chip one.
 

GrumpyCat

Intermediate
Aug 13, 2016
143
1
14
Rawalpindi
Nope i tried old one they have blocked it i even asked there customer service to unblock my old card as it was working online they said cant help it is removed from our record.I guess you just got lucky.
I just activated my new chip MCB Lite card for International / e-commerce transactions by calling MCB and now new chip card started working online. I also upgraded to Level 1 as well by providing CNIC proof.

Maybe you can consider deactivating and then reactivating those services.
 
Last edited:

Sky7

Beginner
Jan 9, 2012
26
0
1
Karachi
I just activated my new chip MCB Lite card for International / e-commerce transactions by calling MCB and now new chip card started working online. I also upgraded to Level 1 as well by providing CNIC proof.

Maybe you can consider deactivating and then reactivating those services.
When did you provide the cnic proof? When you got the new card or after that.
 

dms664

Intermediate
May 11, 2014
101
0
21
I have SCB debit and CC. Both the existing cards were having chip but anyhow they sent me a new debit card having this chip n pin thingy but didn't sent me the chip and pin new cc. now my existing card is having chip and I have set up pin as well but on POS it is still working with signature and not asking for pin and since the new pin cards rolled out the vendors no more bother to sign the receipt. I have complained multiple times and they said that all SC cc are like this and they will sent out new chip and pin cc soon. please guide me if march 2020 was last date how come scb is still not providing me chip n pin cc?

Sent from my SM-G975F using Tapatalk
 

GrumpyCat

Intermediate
Aug 13, 2016
143
1
14
Rawalpindi
When did you provide the cnic proof? When you got the new card or after that.
I went to my nearest MCB bank and they checked original one and then kept a copy of cnic and within next few days, it updated to Level 1 with the following limits.

Updating to Level 1 can be done anytime, no restrictions.

 
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