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MCB
MCB Bank Limited is one of the oldest and leading banks in Pakistan. It was incorporated on July 9 in 1947. The Bank currently carries entity risk rating of AAA (long term) and A1+ (short term) which is the highest category rating by Pakistan Credit Rating Agency (PACRA).
  • Monthly APR
    Monthly BTF Rate
    Annual Fee
  • Reward Points
    MCB Platinum Card

    MCB Platinum Card

    3.25 %
    1.88 %
    PKR 0

    Benefits

    • Cash back on select dining venues across Pakistan
    • Annual fee waiver
    • Exclusive discounts

    Be Aware of

    • Cash back on select dining venues is similar to discounts available on other cards.

    Rates

    Monthly APR
    3.25 %

    39% per annum

    Cash Advance
    3.25 %

    39% per annum

    Monthly BTF Rate
    1.88 %

    22% per annum


    Annual Fees

    Annual Fee
    PKR 0

    Annual fee is waived

    Supplementary Card Fees
    PKR 0

    Annual fee is waived

    Chip Maintenance Fee
    PKR 3,000

    Other Fees

    Cash Advance Fee
    PKR 750

    or 3% of transaction amount (whichever is higher)

    Foreign transaction Fee
    3.50 %

    of transaction amount

    Late Payment Fee
    PKR 1,000

    or 10% of minimum payment amount (whichever is higher)

    Overlimit Fee
    PKR 0

    Interest Free Period

    52 days

    SMS Alert Fee

    Complimentary

    BTF Fees

    Processing Fee
    2.00 %

    of balance transfer amount or PKR 250 (whichever is higher)


    Local Spend

    Cash Back
    20 %

    Only applicable on select dining venues in Pakistan

    Reward Point
    1/PKR 50 spend

    1 reward point = PKR 40 paisas

    Airmiles
    -

    International Spend

    Int. Cash Back
    -
    Int. Reward Point
    3/PKR 50 spend

    3 reward points = PKR 1.20

    Int. Airmiles
    -

    Grocery Spend

    Cash Back
    -
    Reward Point
    1/PKR 50 spend

    1 reward point = PKR 40 paisas

    Airmiles
    -

    Fuel Spend

    Cash Back
    -
    Reward Point
    1/PKR 50 spend

    1 reward point = PKR 40 paisas

    Airmiles
    -

    Minimum Monthly Income

    Salaried
    Not indicated
    Self Employed
    Not indicated

    Minimum Age

    Salaried
    21 Years
    Self Employed
    21 Years

    Salaried Individual

    Bank Statement
    Not indicated
    CNIC
    Not indicated
    Salary Slip
    Not indicated

    Self Employed Professional

    Bank Statement
    Not indicated
    CNIC
    Not indicated
    Proof of Business
    Not indicated

     

     

     


    Sole Proprietor

    Bank Statement
    Not Indicated
    CNIC
    Not Indicated
    Proof Of Business
    Not Indicated

    Partnership

    Bank Statement
    Not Indicated
    CNIC
    Not Indicated
    Proof Of Business
    Not Indicated

    Private Limited

    Bank Statement
    Not Indicated
    CNIC
    Not Indicated
    Proof Of Business
    Not Indicated

    Global Travel Assistance

    Benefits
    Visa International discount offers
    Assistance
    Visa Platinum concierge services
    Other
    Not offered

    Travel Insurance

    Subsidized Travel Insurance
    Up to PKR 600
    Complimentary Travel Insurance
    Complimentary tavel inconvenience coverage
    Other Insurance Benefits
    Up to PKR 600

    Various types of subsidized coverage provided through I-insure


    Lounge Access

    Domestic Lounge Access
    Required
    • KHI International Airport: CIP Lounge
    • LHR International Airport: CIP Lounge
    • ISL International Airport: CIP Lounge
    International Lounge Access
    Not offered
    Other Travel Benefits
    Not offered

    Priority Pass

    Joining Fee
    Complimentary Primary Pass upon card activation
    Usage Fee
    USD 35

    Per card holder/guest upon usage at a lounge

    Other Fee
    USD 5

    Replacement fee


    Salient Benefits

    1
    Cashback on select dining venues

    Cashback on select dining venues

    2
    Annual fee waiver
    3
    Exclusive discounts

    Discounts

    Vendors
    80+

  • Reward Points
    MCB Gold Card

    MCB Gold Card

    3.25 %
    1.88 %
    PKR 0

    Benefits

    • Unconditional annual fee waiver
    • There is a declining APR going as low as 3.0% per month for those who like to pay off their outstanding balances gradually.
    • Withdraw up to 75% of your credit limit

    Be Aware of

    • The variable APR starts off at 3.42% per month and goes as low as 3.0% per month

    Rates

    Monthly APR
    3.25 %

    39% per annum

    Cash Advance
    3.25 %

    39% per annum

    Monthly BTF Rate
    1.88 %

    22% per annum


    Annual Fees

    Annual Fee
    PKR 0

    Annual fee is waived

    Supplementary Card Fees
    PKR 0

    Annual fee is waived

    Chip Maintenance Fee
    PKR 1500

    Other Fees

    Cash Advance Fee
    PKR 750

    or 3% of the transaction (whichever is higher)

    Foreign transaction Fee
    3.50 %

    of transaction amount

    Late Payment Fee
    PKR 1,000
    Overlimit Fee
    PKR 0

    Interest Free Period

    52 days

    SMS Alert Fee

    Complimentary

    BTF Fees

    Processing Fee
    2.00 %

    of balance transfer amount or PKR 250 (whichever is higher)


    Local Spend

    Cash Back
    -
    Reward Point
    1/PKR 50 spend

    1 reward point = 40 paisas

    Airmiles
    -

    International Spend

    Int. Cash Back
    -
    Int. Reward Point
    1/PKR 50 spend

    1 reward point = 40 paisas

    Int. Airmiles
    -

    Grocery Spend

    Cash Back
    -
    Reward Point
    1/PKR 50 spend

    1 reward point = 40 paisas

    Airmiles
    -

    Fuel Spend

    Cash Back
    -
    Reward Point
    1/PKR 50 spend

    1 reward point = 40 paisas

    Airmiles
    -

    Minimum Monthly Income

    Salaried
    Not indicated
    Self Employed
    Not indicated

    Minimum Age

    Salaried
    21 Years
    Self Employed
    21 Years

    Salaried Individual

    Bank Statement
    Not indicated
    CNIC
    Not indicated
    Salary Slip
    Not indicated

     


    Self Employed Professional

    Bank Statement
    Not indicated
    CNIC
    Not indicated
    Proof of Business
    Not indicated

     

     

     


    Sole Proprietor

    Bank Statement
    Not Indicated
    CNIC
    Not Indicated
    Proof Of Business
    Not Indicated

    Partnership

    Bank Statement
    Not Indicated
    CNIC
    Not Indicated
    Proof Of Business
    Not Indicated

    Private Limited

    Bank Statement
    Not Indicated
    CNIC
    Not Indicated
    Proof Of Business
    Not Indicated

    Global Travel Assistance

    Benefits
    Visa International discounts
    Assistance
    Not offered
    Other
    Not offered

    Travel Insurance

    Subsidized Travel Insurance
    PKR 600
    Complimentary Travel Insurance
    Complimentary travel inconvenience coverage
    Other Insurance Benefits
    Up to PKR 600 per month

    Various types of subsidized coverage provided through I-insure

     


    Lounge Access

    Domestic Lounge Access
    Not offered
    International Lounge Access
    Not offered
    Other Travel Benefits
    Not offered

    Priority Pass

    Joining Fee
    PKR 0
    Usage Fee
    PKR 0
    Other Fee
    PKR 0

    Salient Benefits

    1
    Installment Plans

    0% installment plans for a period of 3 months for a variety of home appliances and cell phone brands.

    2
    Cash on call

    You can request cash through the phone against your available limit on your card.

    3
    Not offered

    Discounts

    Vendors
    80+

  • Reward Points
    MCB Classic Credit Card

    MCB Classic Credit Card

    3.25 %
    1.88 %
    PKR 0

    Benefits

    • No annual fee
    • There is a declining APR going as low as 3.0% per month for those who like to pay off their balances gradually
    • Withdraw up to 75% of your credit limit

    Be Aware of

    • Variable APR starts off at 3.42% per month and goes as low as 3.0% per month
    • Withdrawing large sums on your card will be subject to withdrawal charges

    Rates

    Monthly APR
    3.25 %

    39% per annum

    Cash Advance
    3.25 %

    39% per annum

    Monthly BTF Rate
    1.88 %

    22% per annum


    Annual Fees

    Annual Fee
    PKR 0

    Annual fee is waived

    Supplementary Card Fees
    PKR 0

    Annual fee is waived

    Chip Maintenance Fee
    PKR 1,000

    Other Fees

    Cash Advance Fee
    PKR 750

    or 3% of the transaction (whichever is higher)

    Foreign transaction Fee
    3.50 %

    of transaction amount

    Late Payment Fee
    PKR 1,000
    Overlimit Fee
    PKR 0

    Interest Free Period

    52 days

    SMS Alert Fee

    Complimentary

    BTF Fees

    Processing Fee
    2.00 %

    of balance transfer amount or PKR 250 (whichever is higher)


    Local Spend

    Cash Back
    -
    Reward Point
    1/50 PKR spend

    1 reward point = 40 paisas

    Airmiles
    -

    International Spend

    Int. Cash Back
    -
    Int. Reward Point
    1/50 PKR spend

    1 reward point = 40 paisas

    Int. Airmiles
    -

    Grocery Spend

    Cash Back
    -
    Reward Point
    1/50 PKR spend

    1 reward point = 40 paisas

    Airmiles
    -

    Fuel Spend

    Cash Back
    -
    Reward Point
    1/50 PKR spend

    1 reward point = 40 paisas

    Airmiles
    -

    Minimum Monthly Income

    Salaried
    Not indicated
    Self Employed
    Not indicated

    Minimum Age

    Salaried
    21 Years
    Self Employed
    21 Years

    Salaried Individual

    Bank Statement
    Not indicated
    CNIC
    Not indicated
    Salary Slip
    Not indicated

    Self Employed Professional

    Bank Statement
    Not indicated
    CNIC
    Not indicated
    Proof of Business
    Not indicated

    Sole Proprietor

    Bank Statement
    Not Indicated
    CNIC
    Not Indicated
    Proof Of Business
    Not Indicated

    Partnership

    Bank Statement
    Not Indicated
    CNIC
    Not Indicated
    Proof Of Business
    Not Indicated

    Private Limited

    Bank Statement
    Not Indicated
    CNIC
    Not Indicated
    Proof Of Business
    Not Indicated

    Global Travel Assistance

    Benefits
    Visa International discount offers
    Assistance
    Not offered
    Other
    Not offered

    Travel Insurance

    Subsidized Travel Insurance
    Not offered
    Complimentary Travel Insurance
    Complimentary travel inconvenience coverage
    Other Insurance Benefits
    Up to PKR 600 per month

    Various types of subsidized coverage provided through I-insure


    Lounge Access

    Domestic Lounge Access
    Not offered
    International Lounge Access
    Not offered
    Other Travel Benefits
    Not offered

    Priority Pass

    Joining Fee
    PKR 0
    Usage Fee
    PKR 0
    Other Fee
    PKR 0

    Salient Benefits

    1
    Installment Plans

    0% installment plans for a period of 3 months for a variety of home appliance and cell phone brands.

    2
    Cash on call

    You can request cash through the phone against your available limit on your card.

    3
    Not applicable

    Discounts

    Vendors
    80+


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