Index

''Premium Banking Schedule Of Charges''

We recognize your relationship with us and give you a banking solution fitting your requirements.These benefits are also
holders.They too enjoy the privileges of banking with us.

Free Waivers on Basic Banking Services:

* Issuance of Pay Orders, Demand Drafts and Telegraphic Transfer

* Issuance of Foreign Telegraphic Transfer and Foreign Demand Drafts
* Cancellation of Pay Orders and Demand Drafts
* Issuance of Banking Certificates such as Balance confirmation, WHT, Profit Payment, etc
* Outward Bill for Collection (OBC)
* Collection of Cheques (Local Currency/ Foreign Currency)
* Inter City Clearing
* Same Day Clearing
* Inter Branch On line Transactions
* Duplicate Statement
* Cheque return charges
* Inward remittance
* Cheque book issuance
* Locker annual fee is free --- Security Deposit will be charged
* Cheque Stop Payment

Free Waivers on ADC Services:

* Visa Platinum/silver/Gold/Master Titanium Card Issuance and Replacement

* SMS Alerts Service
* Premium Internet Banking
* Utility Bill Payment/Mobile Bill Payments charges over ATM/Internet Banking/Mobile App.
* Premium Banking services will be discontinued if criteria is not maintained.

Consumer Financing

Processing Fee is waived on the following Consumer Banking products:

* Easy Home
* Car Ijarah
* Meezan Solar Financing (Customer maintaining Premium Criteria for last 6 months)
* Consumer Ease (Durable/Bike Ijarah)
Note:

* All other charges will be levied as per the Bank's prevailing Schedule of Charges
* Monthly Fee of Rs. 500 on Meezan Visa Platinum Debit Card will be levied if the relationship status of the customer is no long
ents.These benefits are also available to joint account
g with us.

us of the customer is no longer "Premium".

 Index updated on 01 Jan 2022

''Premium Banking CIP Lounge (Commercially Important Person)''

Meezan Bank Platinum card holders can avail CIP lounge access facility for International Flights Onl

Terms and Conditions:

* This Facility is only available on International Flights only. Not for Domestic Travelling.
* Customer needs to show their Platinum card to avail CIP Lounge Facility
* Meezan Visa/Master Platinum card must be "Active" in order to avail CIP lounge access.
* Additional quest ( per person) will be charge approx 10 $.
* Premium customer can avail this service free of cost with one person (guest) and Childrens under age of 12 years.
* Using Visa Platinum Card or MasterCard Platinum Debit Card on behalf of customer is not entitled for this service

Free CIP Lounges Facility (For International Flights only)

* Snacks and Beverages

* Juices and Fresh Fruits
* Internet, Fax and Telephone facility
* News Papers, Magazines, Periodicals and Journals (English and Urdu)
* Information Desk featuring flight details
* Laptop and Cellular Phone charging facility
* Only above mention facilities are free - other than will be charged.

* Visa/Master Platinum Card

* Activated
* Additional Guest Charges approx 10 $ (per person)

Access is provided free of charge to following visitors only

ONLY

Master Management - CIP

City Terminal
Karachi International Terminal
Lahore International Terminal
Islamabad International Terminal
Multan International Terminal

List of Mastercard Travel Pass Lo

S.no Lounge Name Airport
1 Diamond Lounge Abu Dhabi Intl
2 Marhaba Lounge Dubai Intl
3 Marhaba Lounge Dubai Intl
 4 Marhaba Lounge Dubai Intl
5 Marhaba Lounge Dubai Intl
6 Marhaba Lounge Al Maktoum Intl
7 First Class Lounge King Abdulaziz Intl
8 Dasman Premier Lounge Kuwait Intl
9 First Class Lounge Cairo International
10 First Class Lounge Cairo International
11 Crown Lounge (Royal Jordanain) Queen Alia Intl
12 Diamond Lounge Brussels
13 Plaza Premium Lounge (Int'l Departures) Toronto Lester B. Pearson Intl -(YYZ)
14 Icare Lounge Paris-Orly Airport
15 Sky Lounge Frankfurt Main
16 Plaza Premium Lounge Hong Kong Chek Lap Kok Intl
17 Prima Vista Lounge Rome Fiumicino
18 Plaza Premium Lounge Kuala Lumpur Intl
19 Pearl Lounge (Departures) Mohammed V Intl
20 Aspire Lounge (No.41) Schiphol
21 SATS Premier Lounge Changi Intl
22 Sala VIP Miro El Prat
23 Miracle First Class Lounge Suvarnabhumi Intl
24 IGA Lounge Ataturk
25 Plaza Premium Lounge Heathrow
26 Air India Maharaja Lounge John F.Kennedy International Airport

CIP Lounges
City
Karachi(Karachi International Airport)
Lahore (Lahore Allama Iqbal International Airport)
Multan (Multan International Airport)
Sialkot( Sialkot International Airport)
Islamabad (International Airport)

List o
or International Flights Only.

drens under age of 12 years.

not entitled for this service

ONLY for Visa/ Master Platinum Card:

Lounges Within Pakistan

CIP Master Mana

Free access to City
Card holder + 1 Guest Karachi
Card holder + 1 Guest Peshawar
Card holder + 1 Guest
Card holder + 1 Guest

ercard Travel Pass Lounges for Meezan Mastercard Platinum Debit Card
Terminal City Country
VIP Terminal Abu Dhabi United Arab Emirates
Terminal 1 Concourse D Dubai United Arab Emirates
Terminal 3 Concourse C Dubai United Arab Emirates
 Terminal 3 Concourse B Dubai United Arab Emirates
Terminal 3 Concourse A Dubai United Arab Emirates
Terminal 2 Dubai United Arab Emirates
North Terminal Jeddah Saudi Arabia
Terminal M Kuwait Kuwait
Terminal 3 Cairo Egypt
Terminal 2 Cairo Egypt
Main Terminal Amman Jordan
Main Terminal Brussels Belgium
Terminal 1 Toronto Canada
Orly 1 Paris France
Terminal 2 Frankfurt Germany
Terminal 1 Hong Kong SAR Hong Kong SAR
Terminal 3 Rome Italy
KLIA1 (Satellite) Kuala Lumpur Malaysia
Terminal 2 Casablanca Morocco
Terminal 3 Amsterdam Netherlands
Terminal 3 Singapore Singapore
Terminal 1 Barcelona Spain
International Concourse G Bangkok Thailand
International Terminal Istanbul Turkey
Terminal 5 London United Kingdom
Terminal 4 New York (NY) USA

CIP Lounges For Master World Card:

Lounge Name:
CIP Lounge
CIP Lounge
CIP Lounge
CIP Lounge
CIP Lounge

List of Travel Pass Lounges for Master World Card

 Master Management - CIP
Terminal Free access to
International Terminal Card holder
International Terminal Card holder

ard
 Free Access to
Cardholder only
Cardholder only
Cardholder only
Cardholder only
Cardholder only
1

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Index

VISA DEBIT CARD

What is Meezan VISA Debit Card?
Meezan VISA Debit Card is a shariah compliant and HALAL Debit Card by Meezan Bank Limited, powered by the global accep
direct purchases, all over the world.

What is the difference between a Credit Card and a Debit Card?

Credit Cards are linked to a loan account i.e. when you make purchases or get cash via a Credit Card, the payment is made b
which is required to be paid back (partially or in full) within a specified time or the bank will impose late fees and Interest on rev

Debit Cards are linked to your bank account i.e. when you make purchases or get cash via a Debit Card; the payment is made
is linked with your card.
In a nutshell, Credit Cards are “Buy Now, Pay Later” and Debit Cards are “Buy Now, Pay Now”

What are the Advantages of Debit Cards?

Some of the advantages of Debit Cards are written below :
Debit Cards provide you the peace of mind of not indulging in interest and not going into debt via overspending as the money y
money, not any bank loan.
Debit Cards provide you safety, if God forbid, your wallets gets stolen at gun point, you can get the card blocked, making it a u
With all your cash notes replaced by just one card, Debit Cards provide you ease to carry your money.
With direct shopping being electronic transactions, no withholding tax is applicable on purchased amounts.
Now you don’t have to look for an ATM anymore, pay directly and immediately.

Is my Meezan VISA Debit Card only a Debit Card?

Your Meezan VISA Debit Card can also be used as an ATM card at Meezan Bank, 1Link, MNET ATMs in Pakistan and on ove
ATM.

Can I request for a Meezan VISA Debit Card on my foreign currency account?
The card can only be requested only on all PKR currency current and savings account where ADC services are given (Singly,
cannot be issued on foreign currency account, joint accounts of jointly operated nature and minor or photo accounts

Can I request a supplementary Meezan VISA Debit Cards?

Meezan VISA Debit Cards can only be issued in favor of the actual accountholders. So for a family member or a kin to get a M
be a joint accountholder with you (and the nature of the account should be either and survivor)

How do I use my card as a Debit Card?

To use your card as a Debit Card, just follow the “4S Principle”.
Look for outlets that accept VISA Cards (both debit and credit cards) and Shop.
After shopping, when you will come to the cash counter for payment; the cashier will ‘Swipe’ your Meezan VISA Debit Card an
Check the transaction amount and Sign the slip of the merchant.
Once the transaction is complete, the amount will be deducted from your Meezan Bank account that is linked with the card. Ple
well.

Can I use my Meezan VISA Debit Card for shopping on the Internet?
YES, Meezan Visa Debite Card can be used for shopping on the websites through internet.
Is there any place or a country in the world where the card cannot be honored?
The card will be accepted all over the world except for Israel which is not recognized by the Government of Pakistan.

How will my transactions be verified?

As an ATM Card, you will be required to enter your four digits PINCODE (generated by you on Call Center IVR / ATM), so, it is
confidentiality of the PINCODE so as to avoid any fraudulent attempts.

As a Debit Card, there is no need for you to enter the PINCODE in public (i.e. at cash counter where lots of people are present
signature at the merchant’s copy of the receipt. It is requested that you do not give your Meezan Bank VISA Debit Card to any
card blocked immediately if you loose or misplace it.

Why is verification at direct shopping at POS terminal signature based?

It has two benefits § Since most POS terminals are kept at cash counters at outlets, you are not required to enter
ensures confidentiality of your PINCODE.
§ Signature based POS terminals and cards (i.e. both Debit and Credit cards) make up the majority of the total
§ Signature based card are quicker to process your transaction.

Can Meezan VISA Debit Cards be used internationally?

Meezan VISA Debit cards can be used at over 30 million outlets worldwide and can also be used to withdraw cash at all Meez
VISA Plus ATMs globally.

Will my Meezan VISA Debit be used at only Debit Card POS terminals?
You can use your Meezan VISA Debit Card at any Debit or Credit Card POS terminal displaying the VISA logo (be it of any ba

Which Dollar Conversion rate will apply when I will use my VISA Debit Card(Internationaly) for shopping or cash withdrawa
Dollar Conversion Rate Apply On International Transaction Is Lower Than Open Market Rate & Higher Than
Rate is decided by Visa we can not confirm exact rate on call.

How many categories of Meezan Debit cards are there?

There are seven categories of cards VISA Silver , VISA Gold , MASTER TITANIUM & Visa/Master Platinum Card (for premiu
Teen Club Card and PayPak Debit Card.

Will customer receive any monthly statement if he use the card on POS?
No, since the amount is directly debiting form customer's account therefore no montly statement generates on visa debit cards

Will customer use his PIN Code on POS transaction while using his Visa Debit Card?
No, Visa Debit card is signature based, therefore no need for PIN on POS transactions except PayPak Debit Card.

Can Customer use his MBL Visa Debit Card on Internet?

Yes

What are the cash withdrawal charges if customer use his visa debit card on MNET and 1-Link ATMs?
PKR 18.75 per transaction

What are the cash withdrawal charges if customer use his visa debit card on MBL ATMs?
No charges

What are the balance inquiry charges if customer use his visa debit card on MNET and 1-Link ATMs?
PKR 5

Can customer apply visa card on his Foreign Currency Account?

No

How long are my visa debit cards valid for?

5 Years

What is the requirment if customer wants to apply Gold Card?

There is no any specific amount requried to apply Gold Card however its annual charges which is Rs. 1000 + 16 FED should b

POS means?
Point of Sale

ATM means?
Automatic Teller Machine

GCAS means?
Global Customer / Card Holder Assistance Service

What Customer will do if the Visa Debit Card Lost / Stolen internationally?
Can call on our helpline or Visa international number and request for Card Blocking

Will GCAS Block the card and issue new card if customer lost or stolen his card?
Yes

Will GCAS charge any fee for replacement and how much time will take to get the replacement card?
No, replacement will only be done by Meezan Bank.

Can Customer Activate his card calling from any number or he needs to call from his designated numbers provided in the ac
No

How many verifications are required for card activation and pin generation? Excluding CLI .
Any 5 Positive Verifications are requied + Atm card expiry date.

Can any one Activate the Visa card and Generate PIN on the behalf of the customer?
No

What is the Account Debit Cash Not Dispense Complain resolving TAT ( Turn Around Time ) if customer use his card on loca
Card Used at MBL ATM Card Used at M-NET ATM Card Used at 1-Link ATM
( 3-7 Days) ( 3-7 Days) ( 3-7 Days)

What is the Account Debit Transaction did not Process Complain resolving TAT ( Turn Around Time ) if customer use his car
( 30 working days (minimum) - & - Maximum will be 180 working days.)

What will happen if the Accoutn Debit and Cash not dispense on any International ATM? What will be the complain TAT on
Customer needs to fill and send the POS dispute from to his branch. - Call Center will not initiate the complain on phone if the
ATM.
The Minimum TAT ( Turn Around Time) for this complain is 30 working days.

Which Rates will apply if the card used Internationally on ATM & POS ?
Inter Bank Rate will be apply if customer use the card Internationally.

After how many days of account opening I will get my ATM card?
After 03 to 04 working days

What will happen if Customer forgets his PIN, only PIN could be generated or ATM card will be replaced and what is the ch
Only PIN can be generated, No need to replace the card. No charges, just customer needs to call our help line and generate th

Withdrawal & POS Limit Could be increased?

No

Can suplimantory visa card can be made on the behalf of basic visa card holder?
No

Can Joint Account (either/survivor) holder can make his/her seprate visa card?
Yes

Can customer generate same 4 digit pin code? For example 0000
Yes

Signature is mandatory on the back of the card?

Yes

Can Meezan Bank produce Photo Visa Debit Card?

No

4 Digit PIN code could be changed any M-NET and 1-Link ATM?
No

Which Details are required in order to log Account Debit Cash Not Dispense from ATM.
Acquirer Bank's name, ATM location, Date & Time, Amount, Card number

Which Details are required in order to log Account Debit Transaction not processed through POS.
POS dispute form available in branch, which needs to be filled up by the customer and sumbit to the Branch.
POS dispute form is also available on website , customer can download , fill and send it to branch. (fax & scan copy is not acce

How long are my cards valid for?

The validity of the Meezan VISA Debit Card is five years from the date of issuance. After which you will be required to give a c
How can I get the Meezan VISA Debit Gold Card?
Meezan VISA Debit Gold Card issuance criteria varies for current and savings account.
If you have a current account, it’s up to your choice and need whether you want to use a Meezan VISA Debit Gold or Silver Ca
There is no any specific amount requried to apply Gold Card however its annual charges which is Rs. 1000 + 16 FED should b
Card.

What if my Meezan VISA Debit Card gets lost or stolen?

In case your card gets lost or stolen, please immediately call our 24/7 Call Center and get the card blocked. After blocking, the
be captured by ATM or rejected by POS upon trial.

What if my Meezan VISA Debit Card gets lost or stolen internationally?

If your Meezan VISA Debit card gets lost or stolen outside Pakistan, you can call for help at VISA GCAS (Global Cardholder A
will be provided with the Meezan VISA Debit Welcome Pack). VISA International provides global assistance, card blocking and
outside Pakistan via GCAS.
You can also call our 24/7 Call Center at (+92 21 111-331-331 & +92 21 111-331-332 from outside Pakistan) to get the card

Any helpful suggestions for safety of my Meezan VISA Debit Card?

Do not give your card to anyone. Sign immediately at the back of the card when the card is received.
Never disclose your ATM PINCODE to anyone (even the bank staff). If you forgot your PINCODE, do not guess at the ATM, si
your registered contact number and generate a new one on IVR immediately. Change your PINCODE frequently.
In order to stay in touch with your account, we strongly recommend that you apply for SMS Alerts service.

Can authorized person collects the card on customer's behalf?

No Meezan Bank Does not Allow to collect / receive the card on the behalf of the customer, only card holder can collect the ca

Can visa card could be delivered to customer's address?

No customer card will be delivered only to his/her parent branch,

Could joint account holder collect the card on customer's behalf?

No only actual customer can collect the card. ( reason ) customer sign on receiving register and branch verify the signature be

Customer could ask branch to deliver the card any other branch to collect his card?
No customer could only collect the card only from his parent branch.

Visa / Master Card Staff issuance policy. (Free Of Cost). Email received from Product Manager - on 15th Sep 2014 (Tajdar H
Visa Silver Card - Contractual & Confirmed Staff (including HRS staff, the charges will be reverse
Visa Gold Card - AVP 11 - & - Above.
Master Card Titanium SVP - & - Above.
Visa Platinum Card - Department Heads Only.

Is Card production date Printing on Card?

All card's production date will not print on cards i.e Valid From will not print only Valid Upto will Print

Can card produce with Company Name?

Cards will not produced with company name..... only individual name is acceptable
Questions
What is the difference between a Credit Card and a Debit Card?
Can I request for a Meezan VISA Debit Card on my foreign currency account?
Can I request a supplementary Meezan VISA Debit Cards?
Which Dollar Conversion rate will apply when I will use my VISA Debit Card(Internationaly) for shopping or cash withdrawal?
Can I use my Meezan VISA / Master Debit Card for shopping on the Internet?
What are the cash withdrawal charges if customer use his visa debit card on MNET and 1-Link ATMs?
What are the balance inquiry charges if customer use his visa debit card on MNET and 1-Link ATMs?
POS means?
Can customer generate same 4 digit pin code? For example 0000
4 Digit PIN code could be changed any M-NET and 1-Link ATM?
Can authorized person / joint account holder collects the card on customer's behalf?
Can visa card could be delivered to customer's address?
ATM means?
Customer could ask branch to deliver the card any other branch to collect his card?
Pls confirm the staff card issuance policy?
Is the card free of cost for HRS Staff (3rd Party MBL Contract)?
What is the per-day on-line shopping limit on Visa Silver Card?
GCAS means?
What is the per-day Utility Bill Payment limit on Visa Gold Card?
What is the per-day POS limit on Visa Platinum Card?
What is the per-day cash withdrawal limit on Master Titanium Card?
 Index

Supplementary Card Guidelines

Application Form Documents Required KYC Supplementary card FAQs

* Supplementary Debit Card request will be taken through supplementary card application form. The form is attached
* Branch will take a print. Form will be filled and duly signed by Primary Customer.

Documents Required:
* Primary Card holder’s CNIC copy
* Supplementary Card holder’s CNIC

Important Instructions
* Verify Primary customer signature on the application form
* Nadra Verisys of CNIC
* Compliance report
* Supplementary Cardholder age should be 18 and above
* One supplementary Cardholder can avail only one card.
* Primary customer information will Never be entered in Supplementary Card Data Field.
* CNIC of supplementary cardholder must be 13 Digits
* Supplementary cardholder Date of birth will be entered in format: DD-MM-YY (for example: date of bith in CNIC is 03.04

Supplementary card FAQs

1. What is a supplementary Debit Card?

Supplementary Card is an Add-on Card which allows customers to share the convenience of making day to day payments w
The Card is issued upon primary customer’s request and linked to primary customer’s accou
Supplementary Card holder is el
related benefits like ATM, POS & ecommerce usage, discounts etc

2. Who is a Primary Card holder?

Meezan bank account holder having a Debit Card is a Primary Card holder.

3. Who can request for a Supplementary Card?

Only Primary Card holder can request for a Supplementary Card.

4. How do I apply for a Supplementary Card?

Primary Card holder will have to visit his/her parent branch. Primary Card holder will be required to fill and sign the applicati

5. Whom can I issue supplementary Card?

Supplementary Card can be issued to your spouse, parents, siblings, and friends.

6. What are the spending limits of supplementary Cards?

Same as primary Card.

7. Do I need to bring any documents?

Yes, Primary Card holder needs to bring following documents along with him to the branch:
i. CNIC copy of Primary Card holder
ii. CNIC copy of all Supplementary Card applicants
iii. B-form copy of Supplementary Card applicants

8. How many supplementary Cards can be issued by a Primary Cardholder?

Maximum 5 supplementary Cards can be issued with a primary Card.
9. Which Card types are eligible for supplementary Cards?
 Visa Classic
 Visa Gold
 Visa Platinum
 MasterCard Titanium
 MasterCard Platinum

11. Who can collect Supplementary Card from Meezan Bank branch?
Only Primary Card holder can collect Supplementary Card from his/her parent branch.

12. Who can activate Supplementary Debit Card?

Only Primary Cardholder can activate Supplementary Card.

13. How do I activate supplementary Debit Card?

Supplementary Card can be activated through ATM or Call Center.
Through ATM:
i. Primary Card holder will go to the ATM and insert his/her Supplementary Card in the
ATM. Customer will be prompted to enter the one-time activation code which will
be sent to primary customer’s registered mobile number.
ii. Customer will enter one-time activation in ATM.
iii. Customer will set his Supplementary Card ATM PIN.
Through Call Center:
i. Primary Card holder will call Meezan Bank helpline: +92 21 111331331 from his/her registered number and request for ac
ii. After successful verification, Card will be activated and PIN will be issued through IVR.

14. What should I do if I have lost my supplementary Card?

In case of Card is lost or stolen, either primary or supplementary Card holder can block the Card by calling our Call Center a

15. How do I request for a replacement of supplementary Card?

Primary Card holder can request for a replacement of supplementary Card by calling our Call Center at +92 21 111331331-

16. Can I view supplementary Cards transactions in my bank statement?

Yes, you can view supplementary Card transactions in your bank statement.

17. Will I get an SMS alert of supplementary Card transactions?

Yes, Primary card holder will get SMS alerts if subscribed.

CRM data entry

* Supplementary Debit Card CRM guide for Branches
1. Enter Primary Card number
5. Request can be seen in customer’s profile
Card Guidelines for Branches
Supplementary card FAQs CRM data entry

ation form. The form is attached as an annexure A.

mple: date of bith in CNIC is 03.04.1985 so this will be entered as 03-04-1985)

of making day to day payments with near and dear ones.

Supplementary Card holder is eligible to avail Card

quired to fill and sign the application form.

stered number and request for activation.

e Card by calling our Call Center at +92 21 111331331-2.

Call Center at +92 21 111331331-2.

 Index updated on 03-01-2023

"Meezan PayPak" Debit Card

PayPak Feature & Benefits Elgibility Processing Time

PayPak PayPak Debit Card is a PIN based card that ensures utmost security not only at ATM machine for cash withdrawal
Meezan
* merchant outlets across Pakistan.
* Acceptable all over pakistan.
* Pakistan's first dometic payment scheme.
* Transactions are secured through PIN.
* PayPak Debit Card BIN 2205-56
* currently cannot be used on Ecommerce.
* Currently PayPak EMV Supplementary Card can not be issued to anyone.

Features and Benefits

* ATM cash withdrawal
* Point of Sales (POS) transactions
* Balance inquiry
* Utility payments and mobile top-up
* Internal funds transfer and IBFT

IMPORTANT NOTE

* To apply, please write 'PayPak' in the debit card section with hand on Account Opening Form/ADC Form
* Paypak Debit Cards can be issued to NRP customers as well besides regular customers
* Paypak Debit Cards can only be used in Pakistan
* Paypak Debit Cards currently can not be used for e-commerce transactions
* Paypak Debit Cards will be activated through our new activation process over ATM machines
* All POS transactions on PayPak Debit Cards will be PIN based. Hence a good product for security conscious customers.

PayPak Debit Card ----- Withdrawal / POS Purchase / Fund Transfer Limits / Web Access(on

Channel /
Cash POS FT- 3rd Ecommerce
Transaction FT - Own Account FT- IBFT
Withdrawal Purchase Party-MBL Purchase
Name
ATM Channel 50,000 500,000 100,000 100,000 -

IVR (Callcenter) - - - - - -
Internet
Banking / Mobile - - 500,000 250,000 100,000 -
App
POS Machine /
Internet 50,000 - - - -
(Webpay)
CRM (Callcenter)
- - - - - -

PayPak Debit Card ---------Single Transaction Limits are as Unde

Channel /
Cash POS FT- 3rd Ecommerce
Transaction FT - Own Account FT- IBFT
Withdrawal Purchase Party-MBL Purchase
Name
ATM Channel 50,000 50,000 250,000 100,000 100,000 -
 ATM Channel 50,000 50,000 250,000 100,000 100,000 -
Internet
Banking / Mobile - - 250,000 250,000 250,000 -
App
Elgibility
For Customers Any , Single, Joint (Either or Survivor), Sole proprietorship Account Holders can avail - PayP
For Staff All Contractual & Confirmed Staff (including HRS staff - MBL 3rd Party Staff ) Can avail Pay

Fees & Charges

Annual Fee PKR 1,600+ 16% FED (Federal Excise Duty) = 1,856 (
Replacement Fee PKR 1,600 + 16% FED (Federal Excise Duty) =1,856(P
Cash withdrawal (on 1-Links or M-Net ATMs) (Local) PKR 23.44 (Per withdrawal)
Balance Inquiry (on 1-Links or M-Net ATMs) (Local) PKR 5 (Per Inquiry)
ATM Receipt by other bank customers on Meezan ATMs Rs. 2.5/- per receipt
POS (Point of Sale) / Local Purchase Free of Cost
Fund Transfer - Own / 3rd Party MBL's Account Free of Cost
IBFT via Internet / Mobile Banking
Free IBFT - up to Rs.25,000/- per month
Fund Transfer - IBFT (Inter Bank Fund Transfer) Other than MBL (ATM/IB/MB)
For additional amount above Rs. 25,000 per month
0.1% of the transaction amount or Rs. 200, which ever

Processing Time
Application / Replacement processing time / turn around time is 3-4 days.
Account Debit Cash Not Dispense Complain from ATM processing time is 7-15 working days.

E-Form Status.
Card Application / Replacement form can be initiated from Branch / Call Center. (1st card will be processed only from Br)
E-Form Status will be changed from Initiated to Need-Forwarding - System will change the status from Need-Forwarding to

Frequently Asked Questions

Q. What is PayPak?
A PayPak is a domestic payment scheme owned and operated by 1Link Guarantee Ltd duly approved by State Bank of Pakis

Q. What is Meezan PayPak Debit Card?

The debit cards issued by MeezanBaankunder PayPak are named as Meezan PayPak Debit. MeezanPayPak Debit Card en
A
transactions as well as retail/purchase transactions anywhere within Pakistan.
Q. Where can I use my MeezanPayPak Debit card?
Your MeezanPayPak debit card can be used to carry out transactions on ATMs displaying 1Link and MNET signs and withP
A
Pakistan.
Q. Is MeezanPayPak Debit Card secure?
A All transactions made through MeezanPayPak Debit card are secured via 4 digit PIN Code.

Q. How do I activate my MeezanPayPak Debit Card?

A You can easily activate your Debit Card using Meezan Bank’s ATM card activation facility.
Please follow the following steps:

1. Visit any Meezan Bank ATM

2. Insert the card in ATM machine
3. A 6-digit OTP is sent on customer’s registered mobile number
4. Enter OTP code sent to you in ATM machine
5. Then enter the 4-digit PIN code to set the ATM PIN
6. Re-renter the PIN code to confirm
 7. The card is now activated

Alternatively, you maycall our 24/7 Call Center at (+92 21) 111-331-331 or 111-331-332. The Phone Banking Officer will act
verification.
Q. What should I do if my Meezan PayPak Debit Card is lost or stolen?
As soon as you realize that your card is lost or stolen, please report it immediately by calling at our 24/7 Call Centre (+92 21
A
you can use our Meezan Banking App to deactivate your card. A new card will be replaced upon your request.
Debit Card
Processing Time E-Form Status FAQ's

achine for cash withdrawal but also at POS terminal while shopping at all

DC Form

ty conscious customers.

r Limits / Web Access(on-line) / Bill Payments / AMIM

NFC
Utility Bill Telco Post Telco Pre Utility
AMIM (Tap &
Payment Paid Paid Pospaid
Pay)
- - - - - -

- - - - - -

- - - - - -

- - - - - N/A

- - - - - -

ction Limits are as Under:

NFC
Utility Bill Telco Post Telco Pre Utility
AMIM (Tap &
Payment Paid Paid Pospaid
Pay)
- - - - - N/A
 - - - - - N/A

- - - - - -

nt Holders can avail - PayPak Debite Card Facility.

Party Staff ) Can avail PayPak Debite Card Facility.. (Free Of Cost)

eral Excise Duty) = 1,856 (PKR)

deral Excise Duty) =1,856(PKR) Same as Annual Charges

0/- per month

e Rs. 25,000 per month
ount or Rs. 200, which ever is lower

processed only from Br)

s from Need-Forwarding to Done to Produce the Card.

ved by State Bank of Pakistan.

eezanPayPak Debit Card enables you to carry out ATM

and MNET signs and withPayPak merchants anywhere within

one Banking Officer will activate your card upon successful

ur 24/7 Call Centre (+92 21) 111-331-331 or 111-331-332 or

your request.
Index updated on 05-07- 2022

Meezan Visa Debit " Kids Club C

Features Limits Elgibility Fees & Charges Processing Time

Features
* Use your own money at more than 30 million outlets and 160 countries worldwide.
* A safe and convenient alternative to carry cash.
* Feasible to transfer funds in other MBL account or Other bank account.
* Use it to pay your bills, through any MBL's ATM
* Convenient - No need to buy foreign currency or travellers’ cheques in advance, if you travel abroad.
* Safe - No need to take large amounts of cash with you.
* Accepted for Internet / Web Purchasing.
* Accepted all over the world - Pay for hotels, sightseeing, shopping and dining out.
* Kid Club Debit Card BIN 4649-51

Visa Debit Kids Club Card ---- Withdrawal / POS Purchase / Fund Transfer Limits / Web Access(on-line) / Bill P

Channel / Transaction Cash POS FT - Own FT- 3rd Party-

FT- IBFT
Name Withdrawal Purchase Account MBL
ATM Channel
50,000 1,000,000 500,000 100,000
IVR (Callcenter)

Internet Banking /
Mobile App 1,000,000 500,000 100,000
POS Machine / Internet
(Webpay) 100,000

CRM (Callcenter)
100,000

Visa Debit Kids Club Card ---- Number of Maximum Allowed Transaction In 24 Hours

Channel / Transaction Cash POS FT - Own FT- 3rd Party-

FT- IBFT
Name Withdrawal Purchase Account MBL
ATM Channel 99 20 20 15
Internet Banking / Mobile
App

POS Machine 99

Elgibility
For Customers Issued only against the Kids & Teens Club Savings Account opened upto the age of 12 years
For Staff N/A

Fees & Charges

Annual Fee Free For 01st Year Only. Subsequent PKR 1,100 + 16
Replacement Fee PKR 1,100+ 16% FED (Federal Excise Duty) = 1,276
Cash withdrawal (on 1-Links or M-Net ATMs) (Local) PKR 23.44 (Per withdrawal)
Balance Inquiry (on 1-Links or M-Net ATMs) (Local) PKR 5 (Per Inquiry)
ATM Receipt by other bank customers on Meezan ATMs Rs. 2.5/- per receipt
Cash Withdrawal (on International ATMs) 4% or Rs. 600 whichever is higher (Equalent to PKR)
Balance Inquiry (on International ATMs) PKR 300 per Transaction
Balance Inquiry from International Cards on Meezan ATMs USD 1/- per inquiry
POS (Point of Sale) / Local Purchase Free of Cost
POS (Point of Sale) / International Purchase 3.5% of Transactional Amount (Equalent to PKR)
Web Session Activation Charges Free of Cost
Internet / Web Purchasing - Local website Free of Cost
Internet / Web Purchasing - International website (other than PKR) 3.5% of Transactional Amount (Equalent to PKR)
Fund Transfer - Own / 3rd Party MBL's Account Free of Cost
IBFT via Internet / Mobile Banking
Free IBFT - up to Rs.25,000/- per month
Fund Transfer - IBFT (Inter Bank Fund Transfer) Other than MBL
(ATM/IB/MB) For additional amount above Rs. 25,000 per month
0.1% of the transaction amount or Rs. 200, which eve

Processing Time

Visa Application / Replacement processing time / turn around time is 3-4 days.
Account Debit Cash Not Dispense Complain from ATM processing time is 7-15working days.

E-Form Status.
Visa Card Application / Replacement form can be initiated from Branch / Call Center. (1st card will be processed only from Br
E-Form Status will be changed from Initiated to Need-Forwarding - System will change the status from Need-Forwarding to D
Visa Debit " Kids Club Card"
E-Form Status Discount(s) /Priviliges

abroad.

Web Access(on-line) / Bill Payments / AMIM

EDUCATIONAL,
Ecommerce FBR Bill Telco Post TRAVEL &
Telco Pre Paid Utililty Post Paid
Purchase Payment Paid ADVERTISEMEN
T Ecom/POS
50 Million 20,000 5,000 500,000

50 Million 20,000 5,000

100,000 1,000,000

rs

Ecommerce Utility Bill FBR Bill

Telco Post Paid Telco Pre Paid AMIM
Purchase Payment Payment

Utility companies limit 10 10 99

99

pto the age of 12 years

y. Subsequent PKR 1,100 + 16% FED (Federal Excise Duty) = 1,276(PKR)

 (Federal Excise Duty) = 1,276 (PKR) (Same as Annual Charges)
awal)

er is higher (Equalent to PKR)(additional 1% for filer and 2% for Non-filer will be charged)
on

Amount (Equalent to PKR)(additional 1% for filer and 2% for Non-filer will be charged)

Amount (Equalent to PKR)(additional 1% for filer and 2% for Non-filer will be charged)

ile Banking
5,000/- per month
above Rs. 25,000 per month
amount or Rs. 200, which ever is lower

d will be processed only from Br)

tus from Need-Forwarding to Done to Produce the Card
Index updated on 05-07- 2022

Meezan Visa Debit " Teens Club Card

Features Limits Elgibility Fees & Charges Processing Time

Features
* Use your own money at more than 30 million outlets and 160 countries worldwide.
* A safe and convenient alternative to carry cash.
* Feasible to transfer funds in other MBL account or Other bank account.
* Use it to pay your bills, through any MBL's ATM
* Convenient - No need to buy foreign currency or travellers’ cheques in advance, if you travel abroad.
* Safe - No need to take large amounts of cash with you.
* Accepted for Internet / Web Purchasing.
* Accepted all over the world - Pay for hotels, sightseeing, shopping and dining out.
* Teen Club Debit Card BIN 4649-51

Visa Debit Teens Club Card ---- Withdrawal / POS Purchase / Fund Transfer Limits / Web Access(on-line) / Bill

Channel / FT- 3rd

Cash POS
Transaction FT - Own Account Party- FT- IBFT
Withdrawal Purchase
Name MBL
ATM Channel
50,000 1,000,000 500,000 100,000
IVR (Callcenter)

Internet
Banking / Mobile 1,000,000 500,000 100,000
App
POS Machine /
Internet 100,000
(Webpay)
CRM (Callcenter)
100,000

Visa Debit Teens Club Card ---- Number of Maximum Allowed Transaction In 24 Hours

Channel / FT- 3rd

Cash POS
Transaction FT - Own Account Party- FT- IBFT
Withdrawal Purchase
Name MBL

ATM Channel 99 20 20 15
Internet Banking /
Mobile App

POS Machine 99

Elgibility
For Customers Issued only against the Kids & Teens Club Savings Account between the age of 13-18 Years
For Staff N/A
Fees & Charges
Annual Fee Free For 01st Year Only. Subsequent PKR 1,100
Replacement Fee PKR 1,100 + 16% FED (Federal Excise Duty) =
Cash withdrawal (on 1-Links or M-Net ATMs) (Local) PKR 23.44 (Per withdrawal)
Balance Inquiry (on 1-Links or M-Net ATMs) (Local) PKR 5 (Per Inquiry)
ATM Receipt by other bank customers on Meezan ATMs Rs. 2.5/- per receipt
Cash Withdrawal (on International ATMs) 4% or Rs. 600 whichever is higher (Equalent to P
Balance Inquiry (on International ATMs) PKR 300 per Transaction
Balance Inquiry from International Cards on Meezan ATMs USD 1/- per inquiry
POS (Point of Sale) / Local Purchase Free of Cost
POS (Point of Sale) / International Purchase 3.5% of Transactional Amount (Equalent to PKR
Web Session Activation Charges Free of Cost
Internet / Web Purchasing - Local website Free of Cost
Internet / Web Purchasing - International website (other than PKR) 3.5% of Transactional Amount (Equalent to PKR
Fund Transfer - Own / 3rd Party MBL's Account Free of Cost
IBFT via Internet / Mobile Banking
Fund Transfer - IBFT (Inter Bank Fund Transfer) Other than MBL Free IBFT - up to Rs.25,000/- per month
(ATM/IB/MB) For additional amount above Rs. 25,000 per mon
0.1% of the transaction amount or Rs. 200, which

Processing Time

Visa Application / Replacement processing time / turn around time is 3-4 days.
Account Debit Cash Not Dispense Complain from ATM processing time is 7-15 working days.

E-Form Status.
Visa Card Application / Replacement form can be initiated from Branch / Call Center. (1st card will be processed only from B
E-Form Status will be changed from Initiated to Need-Forwarding - System will change the status from Need-Forwarding to D
n 05-07- 2022

t " Teens Club Card"

E-Form Status Discount(s) /Priviliges

oad.

eb Access(on-line) / Bill Payments / AMIM

EDUCATIO
NAL,
Ecommerce FBR Bill Telco Post Telco Pre Utility Post TRAVEL &
Purchase Payment Paid Paid Paid ADVERTIS
EMENT
50 Million 20,000 5,000 500,000 Ecom/POS

50 Million 20,000 5,000

100,000 ###

Ecommerce Utility Bill FBR Bill Telco Post

Telco Pre Paid AMIM
Purchase Payment Payment Paid

Utility companies limit 10 10 99

99

13-18 Years
y. Subsequent PKR 1,100 + 16% FED (Federal Excise Duty) = 1,276 (PKR)
(Federal Excise Duty) = 1,276 (PKR) (Same as Annual Charges)
awal)

er is higher (Equalent to PKR) (additional 1% for filer and 2% for Non-filer will be charged)
on

Amount (Equalent to PKR) (additional 1% for filer and 2% for Non-filer will be charged)

Amount (Equalent to PKR) (additional 1% for filer and 2% for Non-filer will be charged)

ile Banking
5,000/- per month
above Rs. 25,000 per month
amount or Rs. 200, which ever is lower

be processed only from Br)

rom Need-Forwarding to Done to Produce the Card
 Index updated on 03-01-2023

Master " Titanium

Features

Features
EMV Chip based MasterDebit Card , which enhances Card security and makes it more safer to use.
Visa Card is NFC "Tap n Pay" enabled, which makes the Cardholders to just Tap and Pay at NFC enabled merchants globally
* Use your own money at more than 30 million outlets and 160 countries worldwide.
* A safe and convenient alternative to carry cash.
* Feasible to transfer funds in your own Meezan bank account / other MBL account or Other bank account.
* Use it to pay your bills, through any MBL's ATM
* Convenient - No need to buy foreign currency or travellers’ cheques in advance, if you travel abroad.
* Safe - No need to take large amounts of cash with you.
* Accepted for Internet / Web Purchasing.
* From 1 February 2016 NO USB will be given to customers.
* Accepted all over the world - Pay for hotels, sightseeing, shopping and dining out.
* Silver Debit Card BIN 5245-21
* For international e-commerce transactions open market rate will apply due to faysal bank purchase dollars in advance on w

Master Titanium card----- Withdrawal / POS Purchase / Fund T

FT - Own
Channel / Transaction Name Cash Withdrawal MBL
Account

ATM Channel 150,000 1,000,000

IVR (Callcenter)

Internet Banking / Mobile App

1,000,000

POS Machine / Internet (Webpay)

CRM (Callcenter)
100,000

Master Titanium card ---------Single

Global limit is se

FT - Own
Channel / Transaction Name Cash Withdrawal MBL
Account

ATM Channel 100,000 250,000

Internet Banking / Mobile App
- 250,000
 Master Titanium card---- Number of Max

FT - Own
Channel / Transaction Name Cash Withdrawal
Account

ATM Channel 99 20
Internet Banking / Mobile App

POS Machine

Elgibility
Single, Joint (Either or Survivor), Sole propr
For Customers Joint (Either or Survivor): Both the accoun
name of joint account holder (s) on the sam
For Staff VP I & II, AVP I & II and Above

Fees & Charges

Annual Fee
Replacement Fee
Cash withdrawal (on 1-Links or M-Net ATMs) (Local)
Balance Inquiry (on 1-Links or M-Net ATMs) (Local)
ATM Receipt by other bank customers on Meezan ATMs
Cash Withdrawal (on International ATMs)
Withdrawal on International Cards
Balance Inquiry from International Cards on Meezan ATMs
Balance Inquiry (on International ATMs)
POS (Point of Sale) / Local Purchase
POS (Point of Sale) / International Purchase
Internet Activtion Charges.
Internet / Web Purchasing - Local website
Internet / Web Purchasing - International website (other than PKR)
Fund Transfer - Own / 3rd Party MBL's Account

Fund Transfer - IBFT (Inter Bank Fund Transfer) Other than MBL (ATM/IB/MB)

Processing Time
Visa Application / Replacement processing time / turn around time is 3-4 days.
Account Debit Cash Not Dispense Complain from ATM processing time is7-15 working days.

E-Form Status.
Visa Card Application / Replacement form can be initiated from Branch / Call Center. (1st card will be processed only from B
E-Form Status will be changed from Initiated to Need-Forwarding - System will change the status from Need-Forwarding to

CIP Lounges for Master Titanium Card:

Sr. DragonPass lounge code Lounge Name Airport
1 N02339 Diamond Lounge Abu Dhabi Intl
2 N01646 Crown Lounge (Royal Jordanain)
Queen Alia Intl
3 N00696 First Class Lounge Cairo International
4 N01278 First Class Lounge Cairo International
5 N01170 Marhaba Lounge Dubai Intl
6 N00049 Marhaba Lounge Dubai Intl
7 N00050 Marhaba Lounge Dubai Intl
8 N00051 Marhaba Lounge Dubai Intl
9 N00204 Marhaba Lounge Al Maktoum Intl
10 N00521 First Class Lounge King Abdulaziz Intl
11 N00661 Dasman Premier Lounge Kuwait Intl

Note: ( Internal Information )

For Titanium Card ATM withdrawal Per day limits set 1.5 Lac for Nimbus & 1.5 Lac for 1Link separately (over all ATM withdr
If the card generation date is 06th of Aug 2019 (Karachi Customer ) we can lodge ATM card not receive
If the card generation date is 06th of Aug 2019 (Other Cities Customers ) we can lodge ATM card not receive

Debit
Call Card staff
center Limitare
Enhancement
guiding account holders to visit their parent branch for E-commerce limit increase without confirming
to get more limit on E-commerce. If customer insists to enhance limit on existing card so guide him/her as per below instru
As discussed with ADC Business Team this service is not live yet,however account holder can request to enhance his debit
to branch manager. Branch manager will confirm his transaction genuineness and take approval from AM or RGM then forw
This is only for 1 time transaction.
Note:- It is totally depends on Branch Manager, we do not commit anything from our end.
 Master " Titanium card" Debit Card
Elgibility Processing Time E-Form Status Discount(s) /Privi

afer to use.
y at NFC enabled merchants globally.

ther bank account.

travel abroad.

nk purchase dollars in advance on weekly basis

hdrawal / POS Purchase / Fund Transfer Limits / Web Access(on-line) / Bill Payments / AMIM

FT- 3rd Ecommerce FBR Bill

FT- IBFT Telco Post Paid Telco Pre Paid Utility Pospaid
Party-MBL Purchase Payment

200,000 500,000 50 Million 20,000 15,000 500,000

1,000,000 500,000 50 Million 20,000 15,000

500,000

aster Titanium card ---------Single Transaction Limits are as Under:

Global limit is set at 10 million

FT- 3rd Ecommerce FBR Bill

FT- IBFT Telco Post Paid Telco Pre Paid Utility Pospaid
Party-MBL Purchase Payment

100,000 250,000 - - - - -

250,000 250,000 500,000 - - - -

tanium card---- Number of Maximum Allowed Transaction In 24 Hours

FT- 3rd Ecommerce Utility Bill FBR Bill Utility Post

FT- IBFT Telco Post Paid
Party-MBL Purchase Payment Payment Paid

20 15 Utility companies limit 15 10

10

Joint (Either or Survivor), Sole proprietorship Account Holders can avail Master Titanium Card facility.

Either or Survivor): Both the account holders shall be entitled for Primary Debit Cards. No Supplementary Card shall be issued in the
f joint account holder (s) on the same account.
I, AVP I & II and Above

PKR 3,200 + 16% FED (Federal Excise Duty) = 3,712 (PKR)

PKR 3,200 + 16% FED (Federal Excise Duty) = 3,712 (PKR) Same as Annual Charges
PKR 23.44 (Per withdrawal)
PKR 5 (Per Inquiry)
Rs. 2.5/- per receipt
4% or Rs. 600 whichever is higher (Equalent to PKR)(additional 1% for filer and 2% for Non-filer will be charged)
USD 5/- per transaction
USD 1/- per inquiry
PKR 300 per Transaction
Free of Cost
3.5% of Transactional Amount (Equalent to PKR) (additional 1% for filer and 2% for Non-filer will be charged)
Free of Cost
Free of Cost
3.5% of Transactional Amount (Equalent to PKR) (additional 1% for filer and 2% for Non-filer will be charged)
Free of Cost
IBFT via Internet / Mobile Banking
Free IBFT - up to Rs.25,000/- per month
For additional amount above Rs. 25,000 per month
0.1% of the transaction amount or Rs. 200, which ever is lower

days.

st card will be processed only from Br)

the status from Need-Forwarding to Done to Produce the Card
 Terminal City Country Code Country Note
VIP Terminal Abu Dhabi UAE United Arab Emirates Titanium cards have access to these 11
Main Terminal Amman JOR Jordan Titanium cards have access to these 11
Terminal 3 Cairo EGY Egypt Titanium cards have access to these 11
Terminal 2 Cairo EGY Egypt Titanium cards have access to these 11
Terminal 1 ConcourseDubai
D UAE United Arab Emirates Titanium cards have access to these 11
Terminal 3 ConcourseDubai
C UAE United Arab Emirates Titanium cards have access to these 11
Terminal 3 ConcourseDubai
B UAE United Arab Emirates Titanium cards have access to these 11
Terminal 3 ConcourseDubai
A UAE United Arab Emirates Titanium cards have access to these 11
Terminal 2 Dubai UAE United Arab Emirates Titanium cards have access to these 11
North Terminal Jeddah KSA Saudi Arabia Titanium cards have access to these 11
Terminal M Kuwait KUW Kuwait Titanium cards have access to these 11

1Link separately (over all ATM withdrawals Per day limits is 3 Lac).
card not receive complain on 08th of Aug 2019 ( after two working days of card generation)
ATM card not receive complain on 09th of Aug 2019 ( after three working days of card generation).

e limit increase without confirming his/her current card category. First of all we have to guide our customers to upgrade his/her card
so guide him/her as per below instructions.
der can request to enhance his debit card limit for POS & E-commerce by submitting his request
approval from AM or RGM then forward customer's request to ADC Business for further process.
Discount(s) /Priviliges

EDUCATIONAL,
NFC (Tap TRAVEL &
& Pay) ADVERTISEMENT
Ecom/POS

300,000 1,000,000

NFC (Tap
& Pay)

5,000
 AMIM NFC (Tap & Pay)

99

hall be issued in the

 Note
s have access to these 11 lounges
s have access to these 11 lounges
s have access to these 11 lounges
s have access to these 11 lounges
s have access to these 11 lounges
s have access to these 11 lounges
s have access to these 11 lounges
s have access to these 11 lounges
s have access to these 11 lounges
s have access to these 11 lounges
s have access to these 11 lounges

upgrade his/her card

 Index updated on 03-01- 2023

Meez
Features Limits
Features
* EMV Chip based Visa Debit Card , which enhances Card security and makes it more safer to use.
* Visa Card is NFC "Tap n Pay" enabled, which makes the Cardholders to just Tap and Pay at NFC enabled merchants
* Use your own money at more than 30 million outlets and 160 countries worldwide.
* A safe and convenient alternative to carry cash.
* Higher Daily Transactional Limits
* The Card holders can perform E-Commerce transactions securely eithout the need of Webpay session activation.
* Feasible to transfer funds in your own Meezan bank account / other MBL account or Other bank account.
* Use it to pay your bills, through any MBL's ATM
* Convenient - No need to buy foreign currency or travellers’ cheques in advance, if you travel abroad.
* Safe - No need to take large amounts of cash with you.
* Accepted fro Internet / Web Purchasing.
* Accepted all over the world - Pay for hotels, sightseeing, shopping and dining out.
* Visa Platinum Debit Card BIN 4375-25
* For international e-commerce transactions open market rate will apply due to faysal bank purchase dollars in advance

Visa Platinum Card ---- Withdrawal / POS P

Cash Withdrawal
Channel / Transaction Name POS Purchase
MBL

ATM Channel
200,000
IVR (Callcenter)

Internet Banking / Mobile App

POS Machine / Internet (Webpay)

1,000,000

CRM (Callcenter)

Visa Platinum C

Cash Withdrawal
Channel / Transaction Name POS Purchase
MBL

ATM Channel 100,000 1,000,000

Internet Banking / Mobile App
-

Visa Debit Platinum Card -

Channel / Transaction Name Cash Withdrawal POS Purchase

ATM Channel 99
 Internet Banking / Mobile App

POS Machine 99

Elgibility
Any Single, Joint (Either or Survivor), Sole proprietors
For Customers
Joint (Either or Survivor): Both the account holders
the same account.

For Staff SVP and Above

Fees & Charges

Annual Fee
Replacement Fee
Cash withdrawal (on 1-Links or M-Net ATMs) (Local)
Balance Inquiry (on 1-Links or M-Net ATMs) (Local)
ATM Receipt by other bank customers on Meezan ATMs
Cash Withdrawal (on International ATMs)
Withdrawal on International Cards
Balance Inquiry from International Cards on Meezan ATMs
Balance Inquiry (on International ATMs)
POS (Point of Sale) / Local Purchase
POS (Point of Sale) / International Purchase
Internet / Web Activtion Charges.
Internet / Web Purchasing - Local website
Internet / Web Purchasing - International website (other than PKR)
Fund Transfer - Own / 3rd Party MBL's Account

Fund Transfer - IBFT (Inter Bank Fund Transfer) Other than MBL (ATM/IB/MB)

Debit Card Limit Enhancement

Processing Time
Visa Application / Replacement processing time / turn around time for same city is 2 working days and for other city is
Account Debit Cash Not Dispense Complain from ATM processing time is maximum 7-15working days. (For Premium

E-Form Status.
Visa Card Application / Replacement form can be initiated from Branch / Call Center. (1st card will be processed only
E-Form Status will be changed from Initiated to Need-Forwarding - System will change the status from Need-Forwardi

IMPORTANT NOTE :

* If any Existing Visa Platinum Card Customer calls for card replacement for any reason .. Master Platinume Card Appli
* All Existing Visa Platinum Cards will remain activated.
* Premium Banking Department will communicate to all customers and replace the cards in future. If they
* New Master Platinum Card's BIN (Bank Identification Number ) is : 5380-86

Note: ( Internal Information )

For Platinum Card ATM withdrawal Per day limits set 2 Lac for Nimbus & 2 Lac for 1Link separately (over all ATM with
If the card generation date is 06th of Aug 2019 (Karachi Customer ) we can lodge ATM card not receive
If the card generation date is 06th of Aug 2019 (Other Cities Customers ) we can lodge ATM card not receive
Debit Card staff
Call center Limitare
Enhancement
guiding account holders to visit their parent branch for E-commerce limit increase without confir
commerce. If customer insists to enhance limit on existing card so guide him/her as per below instructions.
As discussed with ADC Business Team this service is not live yet,however account holder can request to enhance his
to branch manager. Branch manager will confirm his transaction genuineness and take approval from AM or RGM the
This is only for 1 time transaction.
Note:- It is totally depends on Branch Manager, we do not commit anything from our end.

CIP Lounges For

Lounges W

Master Management - CIP

City Terminal Free access to
Karachi International Terminal Card holder + 1 Guest
Lahore International Terminal Card holder + 1 Guest
Islamabad International Terminal Card holder + 1 Guest
Multan International Terminal Card holder + 1 Guest
 Master Mana
City
Sialkot
 Meezan Visa Debit " Platinum Card"
Limits Elgibility Processing Time E-Form Statu

kes it more safer to use.

ust Tap and Pay at NFC enabled merchants globally.
orldwide.

the need of Webpay session activation.

account or Other bank account.

vance, if you travel abroad.

ning out.

e to faysal bank purchase dollars in advance on weekly basis

Platinum Card ---- Withdrawal / POS Purchase / Fund Transfer Limits / Web Access(on-line) / Bill Payments / AMIM

FT- 3rd Party- FBR Bill

FT - Own Account FT- IBFT Ecommerce Purchase
MBL Payment

2,000,000 250,000 1,000,000 50 Million

2,000,000 2,000,000 1,000,000 50 Million

1,000,000

100,000

Visa Platinum Card ---------Single Transaction Limits are as Under:

Global limit is set at 10 million

FT- 3rd Party- FBR Bill

FT - Own Account FT- IBFT Ecommerce Purchase
MBL Payment

250,000 100,000 250,000 -

250,000 250,000 250,000 1,000,000 -

Visa Debit Platinum Card ---- Number of Maximum Allowed Transaction In 24 Hours

FT- 3rd Party- Utility Bill

FT - Own Account FT- IBFT Ecommerce Purchase
MBL Payment

20 20 15 Utility companies limit

 10

e, Joint (Either or Survivor), Sole proprietorship A/C Holders consisting average balance of 3 Million can avail -Master Platinum Card.V
her or Survivor): Both the account holders shall be entitled for Primary Debit Cards. No Supplementary Card shall be issued in the na
account.

Above

Visa platinium card 5,000+fed = Rs. 5,800

Visa platinium card 5,000+fed = Rs. 5,800
PKR 23.44 (Per withdrawal)
PKR 5 (Per Inquiry)
Rs. 2.5/- per receipt
4% or Rs. 600 whichever is higher (Equalent to PKR) (additional 1% for filer and 2% for Non-file
USD 5/- per transaction
USD 1/- per inquiry
PKR 300 per Transaction
Free of Cost
3.5% of Transactional Amount (Equalent to PKR) (additional 1% for filer and 2% for Non-filer
Frees of Cost
Free of Cost
3.5% of Transactional Amount (Equalent to PKR) (additional 1% for filer and 2% for Non-filer
Free of Cost
IBFT via Internet / Mobile Banking
Free IBFT - up to Rs.25,000/- per month
an MBL (ATM/IB/MB)
For additional amount above Rs. 25,000 per month
0.1% of the transaction amount or Rs. 200, which ever is lower

Charges has been removed

me city is 2 working days and for other city is 3 working days.

maximum 7-15working days. (For Premium Customers)

Call Center. (1st card will be processed only from Br)

m will change the status from Need-Forwarding to Done to Produce the Card

r any reason .. Master Platinume Card Application from will be initiate.

and replace the cards in future. If they discontinue the Visa Platinum Cards.
86

2 Lac for 1Link separately (over all ATM withdrawals Per day limits is 4 Lac).
an lodge ATM card not receive complain on 08th of Aug 2019 ( after two working days of card generation)
we can lodge ATM card not receive complain on 09th of Aug 2019 ( after three working days of card generation).
or E-commerce limit increase without confirming his/her current card category. First of all we have to guide our customers to upgrade
him/her as per below instructions.
r account holder can request to enhance his debit card limit for POS & E-commerce by submitting his request
ness and take approval from AM or RGM then forward customer's request to ADC Business for further process.

g from our end.

CIP Lounges For Visa Platinum Card:

Lounges Within Pakistan

P Master Management - Majistic

Free access to City Terminal
ard holder + 1 Guest Karachi International Te
ard holder + 1 Guest Peshawar International Te
ard holder + 1 Guest
ard holder + 1 Guest
Master Management - CIP
Terminal Free access to
International Terminal Card holder
 E-Form Status Discount(s) /Priviliges

Payments / AMIM
EDUCATIONAL,
Telco Post Telco Pre Utility NFC (Tap TRAVEL &
AMIM ADVERTISEMENT
Paid Paid Post Paid & Pay)
Ecomm/POS

20,000 5,000 500,000 500,000

20,000 5,000

500,000 2,000,000

Telco Post Telco Pre Utility NFC (Tap

AMIM
Paid Paid Pospaid & Pay)

- 2,500 - - 5,000

- 2,500 - -

FBR Bill Telco Post Telco Pre Utility Post NFC (Tap &
AMIM
Payment Paid Paid Paid Pay)

10 99 15 15
-Master Platinum Card.Visa Platinium card can avail same
shall be issued in the name of joint account holder (s) on

filer and 2% for Non-filer will be charged)

er and 2% for Non-filer will be charged)

er and 2% for Non-filer will be charged)

emoved

on).
ur customers to upgrade his/her card to get more limit on E-

gement - Majistic
Terminal Free access to
International Terminal Card holder
International Terminal Card holder
 Index updated on 05-07- 2022

Meezan
Features Limits

Features
* EMV Chip based Master Debit Card , which enhances Card security and makes it more safer to use.
* Master Card is NFC "Tap n Pay" enabled, which makes the Cardholders to just Tap and Pay at NFC enabled merchants g
* Use your own money at more than 30 million outlets and 160 countries worldwide.
* A safe and convenient alternative to carry cash.
* Higher Daily Transactional Limits
* The Card holders can perform E-Commerce transactions securely eithout the need of Webpay session activation.
* Feasible to transfer funds in your own Meezan bank account / other MBL account or Other bank account.
* Use it to pay your bills, through any MBL's ATM
* Convenient - No need to buy foreign currency or travellers’ cheques in advance, if you travel abroad.
* Safe - No need to take large amounts of cash with you.
* Accepted fro Internet / Web Purchasing.
* Accepted all over the world - Pay for hotels, sightseeing, shopping and dining out.
* Master Platinum Debit Card BIN 5380-86
* For international e-commerce transactions open market rate will apply due to faysal bank purchase dollars in advance on

Master Platinum Card ---- Withdrawal / POS P

Channel / Transaction Name Cash Withdrawal MBL POS Purchase

ATM Channel
200,000
IVR (Callcenter)

Internet Banking / Mobile App

POS Machine / Internet (Webpay)

1,000,000

CRM (Callcenter)

Master Platinum C

Channel / Transaction Name Cash Withdrawal MBL POS Purchase

ATM Channel 100,000 1,000,000

Internet Banking / Mobile App
-

Visa/Master Debit Platinum Car

 Channel / Transaction Name Cash Withdrawal POS Purchase

ATM Channel 99
Internet Banking / Mobile App

POS Machine 99

Elgibility
Any Single, Joint (Either or Survivor), Sole proprietor
account holders ( but no restriction on mantained acc
For Customers
Joint (Either or Survivor): Both the account holders
the same
Only account.Senior MBL staff are eligible to ava
the selected
For Staff Management Office

Fees & Charges

Annual Fee
Replacement Fee
Cash withdrawal (on 1-Links or M-Net ATMs) (Local)
Balance Inquiry (on 1-Links or M-Net ATMs) (Local)
ATM Receipt by other bank customers on Meezan ATMs
Cash Withdrawal (on International ATMs)
Withdrawal on International Cards
Balance Inquiry from International Cards on Meezan ATMs
Balance Inquiry (on International ATMs)
POS (Point of Sale) / Local Purchase
POS (Point of Sale) / International Purchase
Internet / Web Activtion Charges.
Internet / Web Purchasing - Local website
Internet / Web Purchasing - International website (other than PKR)
Fund Transfer - Own / 3rd Party MBL's Account

Fund Transfer - IBFT (Inter Bank Fund Transfer) Other than MBL (ATM/IB/MB)

Debit Card Limit Enhancement

Processing Time
Visa Application / Replacement processing time / turn around time for same city is 2 working days and for other city is 3 w
Account Debit Cash Not Dispense Complain from ATM processing time is maximum 7-15working days. (For Premium Cus

E-Form Status.
Visa Card Application / Replacement form can be initiated from Branch / Call Center. (1st card will be processed only from
E-Form Status will be changed from Initiated to Need-Forwarding - System will change the status from Need-Forwarding t

IMPORTANT NOTE :

* If any Existing Visa Platinum Card Customer calls for card replacement for any reason .. Master Platinume Card Applicatio
* All Existing Visa Platinum Cards will remain activated.
* Premium Banking Department will communicate to all customers and replace the cards in future. If they di
* New Master Platinum Card's BIN (Bank Identification Number ) is : 5380-86

Note: ( Internal Information )

For Platinum Card ATM withdrawal Per day limits set 2 Lac for Nimbus & 2 Lac for 1Link separately (over all ATM withdra
If the card generation date is 06th of Aug 2019 (Karachi Customer ) we can lodge ATM card not receive
If the card generation date is 06th of Aug 2019 (Other Cities Customers ) we can lodge ATM card not receive

Debit Card staff

Call center Limitare
Enhancement
guiding account holders to visit their parent branch for E-commerce limit increase without confirmin
customer insists to enhance limit on existing card so guide him/her as per below instructions.
As discussed with ADC Business Team this service is not live yet,however account holder can request to enhance his deb
to branch manager. Branch manager will confirm his transaction genuineness and take approval from AM or RGM then fo
This is only for 1 time transaction.
Note:- It is totally depends on Branch Manager, we do not commit anything from our end.
 CIP Lounges For M
Lounges W
Master Management - CIP lounge
City Terminal Free access to
Karachi International Terminal Card holder + 1 Guest
Lahore International Terminal Card holder + 1 Guest
Islamabad International Terminal Card holder + 1 Guest
Multan International Terminal Card holder + 1 Guest

Master Managem
City
Sialkot

List of Mastercard Travel Pass Lounges for Me

S.no Lounge Name Airport Terminal
1 Diamond Lounge Abu Dhabi Intl VIP Terminal
2 Marhaba Lounge Dubai Intl Terminal 1 Concours
3 Marhaba Lounge Dubai Intl Terminal 3 Concours
4 Marhaba Lounge Dubai Intl Terminal 3 Concours
5 Marhaba Lounge Dubai Intl Terminal 3 Concours
6 Marhaba Lounge Al Maktoum Intl Terminal 2
7 First Class Lounge King Abdulaziz Intl North Terminal
8 Dasman Premier Lounge Kuwait Intl Terminal M
9 First Class Lounge Cairo International Terminal 3
10 First Class Lounge Cairo International Terminal 2
11 Crown Lounge (Royal Jordanain) Queen Alia Intl Main Terminal
12 Diamond Lounge Brussels Main Terminal
Plaza Premium Lounge (Int'l Toronto Lester B. Pearson
13 Departures) Intl -(YYZ) Terminal 1
14 Icare Lounge Paris-Orly Airport Orly 1
15 Sky Lounge Frankfurt Main Terminal 2
16 Plaza Premium Lounge Hong Kong Chek Lap Kok IntTerminal 1
17 Prima Vista Lounge Rome Fiumicino Terminal 3
18 Plaza Premium Lounge Kuala Lumpur Intl KLIA1 (Satellite)
19 Pearl Lounge (Departures) Mohammed V Intl Terminal 2
20 Aspire Lounge (No.41) Schiphol Terminal 3
21 SATS Premier Lounge Changi Intl Terminal 3
22 Sala VIP Miro El Prat Terminal 1
23 Miracle First Class Lounge Suvarnabhumi Intl International Concou
24 IGA Lounge Ataturk International Termina
25 Plaza Premium Lounge Heathrow Terminal 5
John F.Kennedy
26 Air India Maharaja Lounge International Airport Terminal 4
 Meezan Master Debit " Platinum Card"
Limits Elgibility Processing Time E-Form Status

es it more safer to use.

t Tap and Pay at NFC enabled merchants globally.
ide.

need of Webpay session activation.

unt or Other bank account.

e, if you travel abroad.

out.

aysal bank purchase dollars in advance on weekly basis

Platinum Card ---- Withdrawal / POS Purchase / Fund Transfer Limits / Web Access(on-line) / Bill Payments / AMIM

FT- 3rd Party- FBR Bill

FT - Own Account FT- IBFT Ecommerce Purchase
MBL Payment

2,000,000 250,000 1,000,000 50 Million

2,000,000 2,000,000 1,000,000 50 Million

1,000,000

100,000

Master Platinum Card ---------Single Transaction Limits are as Under:

Global limit is set at 10 million

FT- 3rd Party- FBR Bill

FT - Own Account FT- IBFT Ecommerce Purchase
MBL Payment
250,000 100,000 250,000 -

250,000 250,000 250,000 1,000,000 -

Visa/Master Debit Platinum Card ---- Number of Maximum Allowed Transaction In 24 Hours
 FT- 3rd Party- Utility Bill
FT - Own Account FT- IBFT Ecommerce Purchase
MBL Payment
20 20 15 Utility companies limit

10

e, Joint (Either or Survivor), Sole proprietorship A/C Holders consisting average balance of 3 Million can avail -Master Platinum Card.Visa
holders ( but no restriction on mantained account balance)
her or Survivor): Both the account holders shall be entitled for Primary Debit Cards. No Supplementary Card shall be issued in the name
account.Senior MBL staff are eligible to avail VISA PLATINUM Card/MASTER PLATINIUM CARD. Such cases are approved from Premium
selected
ment Office

Master platinum card Free of Cost- In case of down grade (PKR 500 + 16% FED (Federal Excise Dut
monthly)
Free of Cost
PKR 23.44 (Per withdrawal)
PKR 5 (Per Inquiry)
Rs. 2.5/- per receipt
4% or Rs. 600 whichever is higher (Equalent to PKR) (additional 1% for filer and 2% for Non-filer
USD 5/- per transaction
USD 1/- per inquiry
PKR 300 per Transaction
Free of Cost
3.5% of Transactional Amount (Equalent to PKR) (additional 1% for filer and 2% for Non-filer
Frees of Cost
Free of Cost
3.5% of Transactional Amount (Equalent to PKR) (additional 1% for filer and 2% for Non-filer
Free of Cost
IBFT via Internet / Mobile Banking
Free IBFT - up to Rs.25,000/- per month
MBL (ATM/IB/MB)
For additional amount above Rs. 25,000 per month
0.1% of the transaction amount or Rs. 200, which ever is lower

Charges has been removed

ty is 2 working days and for other city is 3 working days.

ximum 7-15working days. (For Premium Customers)

Center. (1st card will be processed only from Br)

l change the status from Need-Forwarding to Done to Produce the Card

y reason .. Master Platinume Card Application from will be initiate.

d replace the cards in future. If they discontinue the Visa Platinum Cards.
c for 1Link separately (over all ATM withdrawals Per day limits is 4 Lac).
dge ATM card not receive complain on 08th of Aug 2019 ( after two working days of card generation)
can lodge ATM card not receive complain on 09th of Aug 2019 ( after three working days of card generation).

commerce limit increase without confirming his/her current card category. First of all we have to guide our customers to upgrade his/her
ow instructions.
count holder can request to enhance his debit card limit for POS & E-commerce by submitting his request
and take approval from AM or RGM then forward customer's request to ADC Business for further process.
 CIP Lounges For Master Platinum Card:
Lounges Within Pakistan
nge Master Management - Majestic loung
Free access to City Terminal
ard holder + 1 Guest Karachi International Term
ard holder + 1 Guest Peshawar International Term
ard holder + 1 Guest
ard holder + 1 Guest

Master Management - CIP lounge

Terminal Free access to
International Terminal Card holder

d Travel Pass Lounges for Meezan Mastercard Platinum Debit Card

City Country
Abu Dhabi United Arab Emirates
Dubai United Arab Emirates
Dubai United Arab Emirates
Dubai United Arab Emirates
Dubai United Arab Emirates
Dubai United Arab Emirates
Jeddah Saudi Arabia
Kuwait Kuwait
Cairo Egypt
Cairo Egypt
Amman Jordan
Brussels Belgium

Toronto Canada
Paris France
Frankfurt Germany
Hong Kong SAR Hong Kong SAR
Rome Italy
Kuala Lumpur Malaysia
Casablanca Morocco
Amsterdam Netherlands
Singapore Singapore
Barcelona Spain
Bangkok Thailand
Istanbul Turkey
London United Kingdom

New York (NY) USA

 E-Form Status Discount(s) /Priviliges

Payments / AMIM
EDUCATIONAL,
Telco Post Telco Pre Utility NFC (Tap TRAVEL &
AMIM ADVERTISEMENT
Paid Paid Post Paid & Pay)
Ecomm/POS

20,000 5,000 500,000 500,000

20,000 5,000

500,000 2,000,000

Telco Post Telco Pre Utility NFC (Tap

AMIM
Paid Paid Pospaid & Pay)

- 2,500 - - 5,000

- 2,500 - -

urs
 FBR Bill Telco Post Telco Pre Utility Post NFC (Tap &
AMIM
Payment Paid Paid Paid Pay)
10 99 15 15

-Master Platinum Card.Visa Platinium card can avail same

shall be issued in the name of joint account holder (s) on

s are approved from Premium Banking Department and

6% FED (Federal Excise Duty) = 580 will be charged

filer and 2% for Non-filer will be charged)

er and 2% for Non-filer will be charged)

er and 2% for Non-filer will be charged)

emoved
ustomers to upgrade his/her card to get more limit on E-commerce. If
ent - Majestic lounge
Terminal Free access to
International Terminal Card holder
International Terminal Card holder
 Index updated on 05-07- 2022

Meezan Visa Debit " Gold Car

Features Limits Elgibility Processing Time

Features
EMV Chip based Visa Debit Card , which enhances Card security and makes it more safer to use.
Visa Card is NFC "Tap n Pay" enabled, which makes the Cardholders to just Tap and Pay at NFC enabled merchants globally.
* Use your own money at more than 30 million outlets and 160 countries worldwide.
* A safe and convenient alternative to carry cash.
* Feasible to transfer funds in your own Meezan bank account / other MBL account or Other bank account.
* Use it to pay your bills, through any MBL's ATM
* Convenient - No need to buy foreign currency or travellers’ cheques in advance, if you travel abroad.
* Safe - No need to take large amounts of cash with you.
* Accepted for Internet / Web Purchasing.
* Accepted all over the world - Pay for hotels, sightseeing, shopping and dining out.
* Gold Debit Card BIN 4649-52
* For international e-commerce transactions open market rate will apply due to faysal bank purchase dollars in advance on we

Visa Gold Card ---- Withdrawal / POS Purchase / Fund Transfer Limits / We
* POS and Ecommerce combine limit is 3 lac---e.g If cm used 1 lac in POS then only 2 lac limit will left for ecommerce/POS
Channel / Cash
POS FT- 3rd Party-
Transaction Withdrawal FT - Own Account FT- IBFT
Purchase MBL
Name MBL

ATM Channel 100,000 700,000 150,000 350,000

IVR (Callcenter)

Internet
Banking / 700,000 700,000 350,000
Mobile App
POS Machine /
Internet 300,000
(Webpay)
CRM
(Callcenter) 100,000

Visa Gold Card ---------Single Transaction Limits are as Un

Global limit is set at 10 million

Channel / Cash
POS FT- 3rd Party-
Transaction Withdrawal FT - Own Account FT- IBFT
Purchase MBL
Name MBL

ATM Channel 100,000 300,000 250,000 100,000 250,000

Internet
Banking / - 250,000 250,000 250,000
Mobile App

Visa Gold Card ---- Number of Maximum Allowed Tran

 Channel /
Cash POS FT- 3rd Party-
Transaction FT - Own Account FT- IBFT
Withdrawal Purchase MBL
Name
ATM Channel 99 20 20 15
Internet
Banking /
Mobile App
POS Machine 99

Single,Joint (Either or Survivor), Sole proprietorship Account Holders can avail Visa Debit Gold Card Fa
For Customers Joint (Either or Survivor): Both the account holders shall be entitled for Primary Debit Cards. No Supp
the same account.
For Staff AM I & AM II and Above

Fees & Charges

Annual Fee Rs.2,300 + 16% FED (Federal Excise Duty) = Rs. 2,6
Replacement Fee Rs. 2,300+ 16% FED (Federal Excise Duty) = Rs. 2,6
Cash withdrawal (on 1-Links or M-Net ATMs) (Local) PKR 23.44 (Per withdrawal)
Balance Inquiry (on 1-Links or M-Net ATMs) (Local) PKR 5 (Per Inquiry)
ATM Receipt by other bank customers on Meezan ATMs Rs. 2.5/- per receipt
Cash Withdrawal (on International ATMs) 4% or Rs. 600 whichever is higher (Equalent to PKR)
Withdrawal on International Cards USD 5/- per transaction
Balance Inquiry from International Cards on Meezan ATMs USD 1/- per inquiry
Balance Inquiry (on International ATMs) PKR 300 per Transaction
POS (Point of Sale) / Local Purchase Free of Cost
POS (Point of Sale) / International Purchase 3.5% of Transactional Amount (Equalent to PKR)
Internet Activtion Charges. Free of Cost
Internet / Web Purchasing - Local website Free of Cost
Internet / Web Purchasing - International website (other than PKR) 3.5% of Transactional Amount (Equalent to PKR)
Fund Transfer - Own / 3rd Party MBL's Account Free of Cost
IBFT via Internet / Mobile Banking
Fund Transfer - IBFT (Inter Bank Fund Transfer) Other than MBL Free IBFT - up to Rs.25,000/- per mo
(ATM/IB/MB) For additional amount above Rs. 25,
0.1% of the transaction amount or R

Processing Time
Visa Application / Replacement processing time / turn around time is 3-4 days.
Account Debit Cash Not Dispense Complain from ATM processing time is 7-15 working days.

E-Form Status.
Visa Card Application / Replacement form can be initiated from Branch / Call Center. (1st card will be processed only from B
E-Form Status will be changed from Initiated to Need-Forwarding - System will change the status from Need-Forwarding to D

Note: ( Internal Information )

For Gold Card ATM withdrawal Per day limits set 1 Lac for Nimbus & 1 Lac for 1Link separately (over all ATM withdrawals Pe
If the card generation date is 06th of Aug 2019 (Karachi Customer ) we can lodge ATM card not receive complain on
If the card generation date is 06th of Aug 2019 (Other Cities Customers ) we can lodge ATM card not receive complain on

CUSTOMER NOT ELIGIBLE FOR DEBIT CARDS

• Non-personal account i.e. companies, organizations, trust account, government account and Collection account etc. joint ac
• Dormant, inoperative, blocked or restricted accounts
• Accounts with “NIL” balance
• Partnership Accounts
• FCY Accounts

Debit Card Limit Enhancement

Call center staff are guiding account holders to visit their parent branch for E-commerce limit increase without confirming h
his/her card to get more limit on E-commerce. If customer insists to enhance limit on existing card so guide him/her as per b
As discussed with ADC Business Team this service is not live yet,however account holder can request to enhan
to branch manager. Branch manager will confirm his transaction genuineness and take approval from AM or RGM then forwa
This is only for 1 time transaction.
Note:- It is totally depends on Branch Manager, we do not commit anything from our end.
ezan Visa Debit " Gold Card"
Processing Time E-Form Status Discount(s) /Priviliges

er to use.
at NFC enabled merchants globally.

her bank account.

ravel abroad.

k purchase dollars in advance on weekly basis

hase / Fund Transfer Limits / Web Access(on-line) / Bill Payments / AMIM

ac limit will left for ecommerce/POS
EDUCATIONAL,
Ecommerce FBR Bill Telco Post Telco Pre TRAVEL &
AMIM NFC (Tap & Pay)
Purchase Payment Paid Paid ADVERTISEME
NT Ecom/POS
50 Million 20,000 5,000 500,000

50 Million 20,000 5,000

300,000 150,000 1,000,000

ingle Transaction Limits are as Under:

imit is set at 10 million

Ecommerce FBR Bill Telco Post Telco Pre

AMIM NFC (Tap & Pay)
Purchase Payment Paid Paid

- - - 2,500 - 5,000

300,000 - - 2,500 -

umber of Maximum Allowed Transaction In 24 Hours

 Ecommerce Utility Bill FBR Bill Telco Post Telco Pre
AMIM Balance Inquiry
Purchase Payment Payment Paid Paid

Utility companies limit 10 99

99

10

Holders can avail Visa Debit Gold Card Facility.

entitled for Primary Debit Cards. No Supplementary Card shall be issued in the name of joint account holder (s) on

FED (Federal Excise Duty) = Rs. 2,668 (PKR)

FED (Federal Excise Duty) = Rs. 2,668 (PKR) Same As Annual Charges
withdrawal)
ry)

hichever is higher (Equalent to PKR) (additional 1% for filer and 2% for Non-filer will be charged)
saction

nsaction

tional Amount (Equalent to PKR) (additional 1% for filer and 2% for Non-filer will be charged)

tional Amount (Equalent to PKR) (additional 1% for filer and 2% for Non-filer will be charged)

IBFT via Internet / Mobile Banking

Free IBFT - up to Rs.25,000/- per month
For additional amount above Rs. 25,000 per month
0.1% of the transaction amount or Rs. 200, which ever is lower

st card will be processed only from Br)

he status from Need-Forwarding to Done to Produce the Card

parately (over all ATM withdrawals Per day limits is 2 Lac).

e ATM card not receive complain on 08th of Aug 2019 ( after two working days of card generation)
ge ATM card not receive complain on 09th of Aug 2019 ( after three working days of card generation).

nt and Collection account etc. joint accounts with jointly operated nature.
e limit increase without confirming his/her current card category. First of all we have to guide our customers to upgrade
xisting card so guide him/her as per below instructions.
account holder can request to enhance his debit card limit for POS & E-commerce by submitting his request
approval from AM or RGM then forward customer's request to ADC Business for further process.

d.
 Index updated on 05-07-2022

Meezan Visa Deb

Features Limits Elgibility

Features
EMV Chip based Visa Debit Card , which enhances Card security and makes it more safer to use.
Visa Card is NFC "Tap n Pay" enabled, which makes the Cardholders to just Tap and Pay at NFC enabled merchants globally
* Use your own money at more than 30 million outlets and 160 countries worldwide.
* A safe and convenient alternative to carry cash.
* Feasible to transfer funds in your own Meezan bank account / other MBL account or Other bank account.
* Use it to pay your bills, through any MBL's ATM
* Convenient - No need to buy foreign currency or travellers’ cheques in advance, if you travel abroad.
* Safe - No need to take large amounts of cash with you.
* Accepted for Internet / Web Purchasing.
* Accepted all over the world - Pay for hotels, sightseeing, shopping and dining out.
* Silver Debit Card BIN 4649-51
* For international e-commerce transactions open market rate will apply due to faysal bank purchase dollars in advance on w
Visa Silver Card ----- Withdrawal / POS Purchase / Fund Tra
* POS and Ecommerce combine limit is 2 lac---e.g If cm used 1 lac in POS then only 1 lac limit will left for ecommerce/PO
Channel / Cash Cash
FT - Own
Transaction Withdrawal Withdrawal FT- 3rd Party-MBL FT- IBFT
International Account
Name MBL
ATM Channel 50,000 50,000 500,000 100,000 250,000

IVR (Callcenter)

Internet
Banking / Mobile 500,000 500,000 250,000
App
POS Machine /
Internet
(Webpay)
CRM (Callcenter)
100,000

Visa Silver Card ---------Single Tr

Global limit is s

Channel / Cash Cash

Withdrawal POS FT- 3rd
Transaction Withdrawal FT - Own Account
International Purchase Party-MBL
Name MBL

ATM Channel 50,000 50,000 200,000 250,000 100,000

Internet
Banking / Mobile - 250,000 250,000
App

Visa Silver Card ---- Number of Maxim

Channel /
Cash POS FT - Own
Transaction FT- 3rd Party-MBL FT- IBFT
Withdrawal Purchase Account
Name
 Channel /
Cash POS FT - Own
Transaction FT- 3rd Party-MBL FT- IBFT
Withdrawal Purchase Account
Name
ATM Channel 99 20 20 15

Internet
Banking / Mobile
App
POS Machine 99

Elgibility
Any , Single, Joint (Either or Survivor), Sole proprietorship Account Holders can avail - Visa
For Customers Joint (Either or Survivor): Both the account holders shall be entitled for Primary Debit Car
name of joint account holder (s) on the same account.
For Staff All Contractual & Confirmed Staff upto SO-I

Fees & Charges

Annual Fee PKR 1,900 + 16% FED (Federal Ex
Replacement Fee PKR 1,900 + 16% FED (Federal Ex
Cash withdrawal (on 1-Links or M-Net ATMs) (Local) PKR 23.44 (Per withdrawal)
Balance Inquiry (on 1-Links or M-Net ATMs) (Local) PKR 5 (Per Inquiry)
Cash Withdrawal (on International ATMs) 4% or Rs. 600 whichever is higher (
ATM Receipt by other bank customers on Meezan ATMs Rs. 2.5/- per receipt
Withdrawal on International Cards USD 5/- per transaction
Balance Inquiry from International Cards on Meezan ATMs USD 1/- per inquiry
Balance Inquiry (on International ATMs) PKR 300 per Transaction
POS (Point of Sale) / Local Purchase Free of Cost
POS (Point of Sale) / International Purchase 3.5% of Transactional Amount (Eq
Internet Activtion Charges. Free of Cost
Internet / Web Purchasing - Local website Free of Cost
Internet / Web Purchasing - International website (other than PKR) 3.5% of Transactional Amount (Eq
Fund Transfer - Own / 3rd Party MBL's Account Free of Cost

Fund Transfer - IBFT (Inter Bank Fund Transfer) Other than MBL (ATM/IB/MB)

Processing Time
Visa Application / Replacement processing time / turn around time is 3-4 days.
Account Debit Cash Not Dispense Complain from ATM processing time is7-15 working days.

E-Form Status.
Visa Card Application / Replacement form can be initiated from Branch / Call Center. (1st card will be processed only from B
E-Form Status will be changed from Initiated to Need-Forwarding - System will change the status from Need-Forwarding to

Note: ( Internal Information )

For Silver Card ATM withdrawal Per day limits set 50K for Nimbus & 50K for 1Link separately (over all ATM withdrawals Per
If the card generation date is 06th of Aug 2019 (Karachi Customer ) we can lodge ATM card not receive
If the card generation date is 06th of Aug 2019 (Other Cities Customers ) we can lodge ATM card not receive
CUSTOMER NOT ELIGIBLE FOR DEBIT CARDS
• Non-personal account i.e. companies, organizations, trust account, government account and Collection account etc. joint a
• Dormant, inoperative, blocked or restricted accounts
• Accounts with “NIL” balance
• Partnership Accounts
• FCY Accounts

Debit Card Limit Enhancement

Call center staff are guiding account holders to visit their parent branch for E-commerce limit increase without confirming
customers to upgrade his/her card to get more limit on E-commerce. If customer insists to enhance limit on existing card s
As discussed with ADC Business Team this service is not live yet,however account holder can request to enhance his debit
to branch manager. Branch manager will confirm his transaction genuineness and take approval from AM or RGM then forw
This is only for 1 time transaction.
Note:- It is totally depends on Branch Manager, we do not commit anything from our end.
 Meezan Visa Debit " Silver Card"
Processing Time E-Form Status Discount(s) /Priviliges

to use.
t NFC enabled merchants globally.

er bank account.

avel abroad.

purchase dollars in advance on weekly basis

awal / POS Purchase / Fund Transfer Limits / Web Access(on-line) / Bill Payments / AMIM
limit will left for ecommerce/POS
AL, TRAVEL
Ecommer
FBR Bill Telco Post Telco Pre Utility NFC (Tap & &
ce AMIM
Payment Paid Paid Pospaid Pay) ADVERTISEM
Purchase
ENT
50 Million 20,000 5,000 500,000 500,000

50 Million 20,000 5,000

200,000 100,000 1,000,000

Visa Silver Card ---------Single Transaction Limits are as Under:

Global limit is set at 10 million

Ecommerce FBR Bill Telco Post Telco Pre Utility NFC (Tap &
FT- IBFT AMIM
Purchase Payment Paid Paid Pospaid Pay)

250,000 - - 2,500 - - 5,000

250,000 200,000 - - 2,500 - -

ver Card ---- Number of Maximum Allowed Transaction In 24 Hours

Ecommer
Utility Bill FBR Bill Utility Post Telco Post Telco Pre Balance
ce AMIM
Payment Payment Paid Paid Paid Inquiry
Purchase
 Ecommer
Utility Bill FBR Bill Utility Post Telco Post Telco Pre Balance
ce AMIM
Payment Payment Paid Paid Paid Inquiry
Purchase
Utility companies limit 15 10 10 99 99

99

10

p Account Holders can avail - Visa Debit Silver Card Facility.

ll be entitled for Primary Debit Cards. No Supplementary Card shall be issued in the

KR 1,900 + 16% FED (Federal Excise Duty) = 2,204(PKR)

KR 1,900 + 16% FED (Federal Excise Duty) = 2,204(PKR) Same as Annual Charges
KR 23.44 (Per withdrawal)
KR 5 (Per Inquiry)
% or Rs. 600 whichever is higher (Equalent to PKR) (additional 1% for filer and 2% for Non-filer will be charged)
s. 2.5/- per receipt
SD 5/- per transaction
SD 1/- per inquiry
KR 300 per Transaction
ree of Cost
.5% of Transactional Amount (Equalent to PKR) (additional 1% for filer and 2% for Non-filer will be charged)
ree of Cost
ree of Cost
.5% of Transactional Amount (Equalent to PKR) (additional 1% for filer and 2% for Non-filer will be charged)
ree of Cost
IBFT via Internet / Mobile Banking
Free IBFT - up to Rs.25,000/- per month
For additional amount above Rs. 25,000 per month
0.1% of the transaction amount or Rs. 200, which ever is lower

ays.

card will be processed only from Br)

e status from Need-Forwarding to Done to Produce the Card

tely (over all ATM withdrawals Per day limits is 100K).

ard not receive complain on 08th of Aug 2019 ( after two working days of card generation)
ATM card not receive complain on 09th of Aug 2019 ( after three working days of card generation).
 and Collection account etc. joint accounts with jointly operated nature.

limit increase without confirming his/her current card category. First of all we have to guide our
to enhance limit on existing card so guide him/her as per below instructions.
r can request to enhance his debit card limit for POS & E-commerce by submitting his request
pproval from AM or RGM then forward customer's request to ADC Business for further process.
scount(s) /Priviliges

NFC (Tap & Pay)

NFC (Tap & Pay)
 Index . Updated - 03-01-2023

Schedule Of Charges
(Effective from Jul to Dec 2022)(*FED will be cha
ADC Services

Meezan Visa Debit Card Annual Charges

Meezan MasterCard Debit Card

Meezan PayPak Debit Card

Meezan Women First VISA Debit Card

Meezan Kids & Teens Visa Debit Card Annual Charges

Meezan MasterCard / Visa Debit Card Replacement Charges/Supplementry card charges

Debit Card Digital Token Fee

Cash Withdrawal at Meezan Bank’s ATM

Cash Withdrawal at 1Link or MNET member Banks' ATM

Balance Inquiry (on MNET member Banks’ ATM OR another bank's ATM

International Cash Withdrawal

International Balance Inquiry

Withdrawal on International Cards

Balance Inquiry from International Cards on Meezan ATMs

ATM Receipt by other bank customers on Meezan ATMs

Purchase Domestic (Local)

Purchase International (e-Commerce, POS & NFC)

Arbitration charges / False charge back (local & International)

Document retrieval charges

SMS Alerts on Digital Transactions

SMS Alerts Service Charges

Complete SMS Alerts Subscription FCY Accounts - Annual Charges

IBFT via ATM -

Interbank Fund Transfer Facility (IBFT) via Mobile Banking

False ATM Complaint, Retrieval of Snaps & Video Charges

Debit Card Limit Enhancement

Funds Transfer through Foree Pay

Biometric ATM withdrawal / session

Bill Payment Service (Internet Banking, Mobile App & ATM)

Pay anyone
Express Card Delivery Fee
Note: The Bank may discontinue/suspend the ADC Services due to non-paymen

Branch Banking

Outward Bills for collection (OBC)

Inward Bills for collection (IBC)

Issuance of Cheque Return Memo with reason of insufficient funds in Inward

Clearing/Fund Transfer/ Cash Counter

Standing Instruction Fee

Providing duplicate Debit/Credit advices, additional copies of L/C’s SWIFT etc

Issuance of Performance Certificate or verification of statement except EE & EF form

Balance confirmation to Auditors

Account Closure

Any type of certificate issued regarding business dealing with

the bank

Issuance of Proceeds Realization Certificate (PRC) per certificate

Hold mail Facility ( cm have to visit his parent branch & give request in written form)

Cheque Book Issuance

Registration/permits of student cases

Cheque Book Safekeeping & Destruction Charges

Outward Clearing Lodgment

US Dollar Clearing
Same Day Clearing
Intercity Clearing
Duplicate Statement of Account

Cheque Stop Payment

Withholding Tax Statement/Certificate

Investment Portfolio Services

Locker Fee
Key Deposit (Refundable)
Small Locker Rent
Medium Locker Rent
Large Locker Rent
Locker breaking charges

Retrieval of Old Records

Upto 01 year old
Over 01 year & below 03 years old
03 years old and above

Settlement of 3rd Party Fund Transfer through PRISM System

Multiple Credit Transfer- MT 102

Single Credit Transfer – MT 103 (Customer’s request must be submitted one hour before
due time for timely processing of transaction.)

Cash Management Transactions BankingCollection/ Disbursement/ Electronic Banking

Foreign Exchange Permits/Approval from SBP

InvestorPortfolio Security (IPS) Account Holding Charges (to be recovered on semi-annual

basis)

Local Remittances

Drafts Drawn on HBL: (a) Upto Rs. 100,000Rs.200/-(Flat)

(b) Over Rs. 100,000
Pay orderIssuance

Instrument Cancellation charges

Stop Payment charges:

(a)Pay order/ CDR
(b)Demand Draft(Local)

Issuance of Duplicate Pay order

Meezan Kafalah
Wakalah Fee*
*Wakalah Fee may be waived, if plan continues for more than 3 years

Takaful Charges

Kafalah Multiplier Wakalah Fee*

*Wakalah Fee may be waived, if plan continues for more than 3 years

Kafalah Multiplier Takaful Fee

Foreign Remittances
Outward:(a)Foreign Demand Draft (FDD)

(b)Foreign TelegraphicTransfer(FTT)

Correspondent Bank Charges on Inward Remittances

Cancellation Charges of FDD

Stop Payment Charges of FDD

Meezan Smart
 Biometric Cash withdrawal

Meezan Smart PayPak Card

PayPak Card ReplacementCharges

Smart Payroll Solution

Interbank Fund Transfer Facility

(IBFT)

Balance Inquiry on other banks

ATM in Pakistan

Cash Withdrawal – Meezan ATM

1 Link/MNET member Banks' ATM

Bill Payment Service (Internet Banking, Mobile App & ATM)

Payment Disbursements

Payment Collections

Consumer Banking Products

Car Ijarah
Upfront Processing Fee
Commercial New Vehicle (below Rs.2.0million) - Upfront Processing Fee
Fleet Ijarah – Upfront Processing Fee
Commercial Vehicle Ijarah - Upfront Processing Fee
Documentation Charges
Old Vehicle Valuation Charges
Out station verification
Income Estimation
Vehicle Transfer -in favor of 3rd Party
Re-issuance/ Duplicate NOC in favor of customer or 3rd party
VehicleRepossession Charges
Within the City charges
Outside the City charges
Non-Commercial Vehicle
Commercial Vehicle
Motorcycle
Legal Notice charges
Auction Advertisement Charges
Repossession Allied Charges

Easy Home - Islamic Housing Finance

Processing Fee
Documentation Charges
Other Charges*(i.e.legal charges, property evaluationand income estimation, where
applicable)
Any other applicable charges, encompassing government levies, taxes, Mortgage charges etc.,
* External Agency Charges are refundable incase rem

Meezan Consumer Ease

Bike Ijarah - Processing Fee
Meezan Solar (Residential) - Processing Fee
Kamyab Jawan Program (Tier I) - Processing Fee
Documentation Charges
Other Charges*(*i.e.legal charges, income estimation charges, long distance external verification charges, b

Consumer Durable
Processing Charges for consumer Durable Financing
Processing fee for Limit Renewal after three years
Processing fee for Limit Enhancement before three years
Income Estimation
Out station Verification

Mera Pakistan Mera Ghar (MPMG)

Upfront Processing Fee
Legal Documentation Charges
Other Charges*(i.e.legal charges, property evaluationandincome estimation, where applicable)
Profit on Additional /Early unit purchase
* Any other applicable charges, encompassing government levies, taxes, Mortgage charges etc., will also be at actual an
* External Agency Charges are refundable incase remained un-utilized

Meezan Premium Banking

Free ADC Services
Meezan MasterCard World Card charges are waived for Premium Customer maintaining average quarterly balance of Rs.
Meezan Visa Debit Card Issuance and Replacement
Meezan MasterCard Titanium Card Issuance and Replacement
SMS Alerts Service
Premium Internet Banking
Utility Bill Payment charges over ATM and Internet Banking
Utility Bill Inquiry Charges over ATM and Internet Banking
Mobile Prepaid Top-up and Postpaid bill payment over ATM and Internet Banking

Free Branch Banking Services

Issuance of Pay Orders, Demand Drafts
Issuance of Foreign Telegraphic Transfer and Foreign Demand Drafts
Cancellation of Pay Orders, Demand Drafts and Foreign Demand Drafts
Issuance of Banking Certificates such as Balance confirmation, WHT, Profit Payment, etc.
Outward Bill for Collection (OBC)
Inter City Clearing
Same Day Clearing
Inter Branch Online Transactions
Duplicate Statement
Cheque Return Charges
Inward Remittance
Cheque Book Issuance
Locker Annual Fee
Cheque Stop Payment

Waiver of Processing Fee on Consumer Banking products

Easy Home
Car Ijarah
Meezan Solar Financing (Customer maintaining Premium Criteria for last 6 months)
Consumer Ease (Durable/Bike Ijarah)

All other charges will be levied as per the Bank’s prevailing Schedule of Charges
NOTE:-Monthly Fee of Rs. 500 on Meezan Visa Platinum Debit Card will be levied if the relationship status of the custom
Monthly Fee of Rs. 1,000 on Meezan MasterCard World Card will be levied if Premium Customer not maintaining waive

Meezan Roshan Digital Account

Inward Foreign Remittances

Outward Foreign Remittances
Debit Card Fees
Classic Card
Gold Card
Platinum Card
Titanium Card
Duplicate Statement of Account
Account Maintenance Certificate
Balance Confirmation Certificate
International Courier Charges
Roshan Apna Ghar
Roshan Apni Car
Legal Documentation Charges
Other Charges
Any other applicable charges, encompassing legal charges, property evaluation, income estimation, government levies, ta
applicant. External Agency Charges are refundable incase remained un-utilized
*Correspondent banking charges will apply, in case if remittance is being sent through SWIFT
**First year Free issuance is only for those customers who have remitted funds in their PKR Meezan Roshan Digital Accou
levied from subsequent year.
Note: All other Services Charges will be applicable as per prevailing Schedule of Charges

Capital Market
Meezan Custodial Services –MCS
(a) Account Opening
(b) Account Maintenance
(c) Physical Shares Deposit
(d) Transaction Charges
(e) CDC / NCCPL Charges

Charges for collection of e-dividend

Public flotation of Shariah compliant shares / Modaraba Certificates / offer for sale of
shares

Issuance of right shares

Foreign Bills
Outward Bills for Collection(Not related to Export payments) *

FOBC Return (irrespective of reason)

Inquiry / correspondence regarding FOBC sent for collection

Inward Bills for Collection

Correspondent’s Charges, if any

s
ec 2022)(*FED will be charge as per region)
ADC Services
PKR 1,900/-*FED = 2,204 for Visa Classic Card per annum
PKR 2,300/-*FED = 2,668 for Visa Gold Card per annum
PKR 5,000/-*FED = 5,800 for Visa Platinum Card per annum
PKR 25,000/-*FED=29,000 for Infinite Card Card per annum

PKR 1,900/-*FED = 2,204 for Master Classic Card per annum

PKR 3,200/-*FED = 3,712 for Master Titanium Card per annum
PKR 14,000/-*FED =16,240 for Master World Card per annum

PKR 1,600/-*FED= 1,856 per annum

Rs. 500/-for first issuance

Rs. 1,900/-per annum for subsequent years

PKR 1,100* FED = 1,276 (PKR) for subsequent years ( FREE for first year)

PKR 1,900 + 16% FED = 2,204 (PKR) for Silver Card (Same As Annual Charges)
Rs. 2,300 + 16% FED = Rs. 2,668 (PKR) for Gold Card (Same As Annual Charges)
PKR 3,200 + 16% FED = 3,712 (PKR) (For Titanium card) (Same As Annual Charges)
PKR 1,600 + 16% FED = 1,856 (PKR) (For PayPak Card) (Same As Annual Charges)
**Complementary Replacement for Meezan VISA Infinite Debit Card

FREE

FREE

Rs.23.44/- per transaction

Rs. 5/- per inquiry

4% of Amount or Rs.600 whichever is higher

Rs. 300/- per inquiry

USD 5/- per transaction

USD 1/- per inquiry

Rs. 2.5/- per receipt

FREE
3.5% of transaction amount

USD 500/- or PKR equivalent per case

Rs. 200/- per document for local transactions

Rs. 1000/- per document for international transactions

FREE
Rs.1,200/- Individual & Sole-Proprietorship A/c -per annum
Rs.3,500/- For Company Account -per annum

USD 5 or eqv. - Individual & Sole-Proprietorship A/c

USD 10 or eqv. - Corporates & Partnership A/c

IBFT is FREE for transactions up to Rs. 25,000 per month. After Rs. 25,000 have been transferred in a
month, 0.1 % or Rs. 200 (whichever is lower)

Free IBFT - up to Rs.25,000/- per month

For additional amount above Rs. 25,000 per month,
0.1% of the transaction amount or Rs. 200, whichever
is lower

Charges Removed

Charges Removed

Charges Removed

Rs.15/- per session

Beaconhouse School – Rs.25/- per transaction

Rs.100/- per transaction

 Rs.200/-
nd the ADC Services due to non-payment/non-recovery of associated charges.

Branch Banking

Rs. 400/- per item Plus Courier charges

Rs. 400/- per item Plus Courier Charges

Rs. 500/-(Flat)per Cheque(local & online)

Rs. 200/- per execution (Standing instructions fee will be recovered in addition to the usual charges on
remittances, if any)

Rs. 50/-per item.

Rs. 100/- per item

Rs. 300/-(Flat)

NIL

Rs. 300 + FED per certificate (No charges will be applied if certificate issued for Zakat or Withholding Tax
deducted at source)

Within one year - FREE

Over the period one year* – Rs.500/-
Duplicate PRC* – Rs.700/-
*Free for Home Remittance Customers

Rs. 1,000 + FED per annum in advance (Jan to Dec) (also applicable for premium customers)

Free to all its account holders

Rs. 3,000/- (registration/first year)

Rs. 2,000/- (subsequent per year)

Rs.7/- per leaf (If customer did not collect cheque book within 30 days from issuance date)

USD 5/- (FLAT) Per Instrument

Rs. 500/- (FLAT) Per Instrument
Rs. 300/- (FLAT) Per Instrument
 Rs. 25 + FED per item

Rs. 500+FED/- per cheque

Rs.1,000+FED/- more than one cheque

Free

Charges to be negotiated on case to case basis

Rs.5,000 one time

Rs.5,000 per annum + FED
Rs.6,000 per annum + FED
Rs.7,500 per annum + FED
At Actual

Rs. 200/- per cheque/ voucher

Rs. 300/- per cheque/ voucher
Rs. 500/- per cheque/ voucher

Rs. 50/- per transaction

Cut off Timefor receipt of RTGS Request ChargesPer Transaction
9:00AM to 1:00PM Rs. 220/-
1:00PM to 2:00PM Rs. 330/-
2:00PM to 3:00PM Rs. 550/-

All charges for Cash Management Products (Collection & Payment) will be decided on a case to case basis
through agreement between the customer and the bank.

Rs.1,500/-per transaction

0.025% of average investment amount for the last six months (Min Rs.1,500/-Max Rs.7,500/-)

Local Remittances

Rs.200/-(Flat)
0.1%, minimum Rs. 500/-
 Free

Rs.300/-(Flat)per Payorder / Demand Draft

Rs.300/-(Flat) per instrument

Rs.300/-per instrumentPlus Couriercharges

Rs.250/-(Flat) per instrument

Meezan Kafalah

5% of first year annual contribution

At Actual

5% on Cash Value (last available balance)

At Actual

Foreign Remittances

US$ 15/-OR equivalentincluding SWIFT Charges

0.50% additional charges on amount withdrawn via FTT/FDD/Conversion/Transfer/Inward
Clearing, within 15 days of FCY Cash deposit.
ONLY for Trade Transactions:USD35/-additional if customer wants to bear intermediary charges

At Actual

US$ 10/-OR equivalent Plus SWIFT charges

US$ 10/-OR equivalent Plus SWIFT charges

Meezan Smart

Amount Range
Charges
From To
1 200 7
201 500 12
 501 1,000 20
1,001 2,500 40
2,501 4,000 70
4,001 6,000 100
6,001 8,000 130
8,001 10,000 180
10,001 13,000 230
13,001 16,000 280
16,001 20,000 330
20,001 25,000 380
25,001 30,000 470
30,001 40,000 560
40,001 50,000 690

Rs.500 Per Anum + FED

Rs. 250/-

Rs. 500/-per annum OR part thereof, subject to negotiation with customer

Free IBFT - up to Rs.25,000/- per month

For additional amount above Rs. 25,000 per month,
0.1% of the transaction amount or Rs. 200, whichever
is lower

Rs. 5/- per inquiry

Free

Rs.18.75/- per transaction

Beaconhouse School – Rs.25/- per transaction

Charges to be negotiated on case-to-case basis

Charges to be negotiated on case-to-case basis

Consumer Banking Products

Car Ijarah
Rs. 2,500/- per Car Ijarah case - Free for Women First Segment
Rs. 2,500/- per Car Ijarah Case
Rs. 3,000/- per case (Irrespective of No. of Car)
Rs. 3,500/- per case (Irrespective of No. of Vehicle)
At actual
 At actual
Rs. 500/- to Rs.1,000/- depending upon distance
At Actual
Rs. 1,500/-per Consumer Car Ijarah case
Rs. 3,000/-per Consumer Car Ijarah case

Actual / upto Rs. 70,000/-

Actual / upto Rs. 70,000/-
Actual / upto Rs. 100,000/-
Actual / upto Rs.200,000/-
Actual / upto Rs.20,000/-
Actual /upto Rs.5,000/-
At Actual
At Actual

Easy Home - Islamic Housing Finance:

Rs 8,000/-
At actual
At actual
t levies, taxes, Mortgage charges etc., will also be at actual and shall be borne by the applicant
cy Charges are refundable incase remained un-utilized

Meezan Consumer Ease

Rs.1,800/-
Rs. 5,000/-
Rs. 100/-
At actual
distance external verification charges, bureau check fees and any other relevant charges where applicable)

Rs. 1800/-
Rs. 1,000/-
Rs. 1,000/-
At actual
Rs. 500/- to Rs.1,000/- depending upon distance

Rs. 4,000/-
At actual
At actual
0
age charges etc., will also be at actual and shall be borne by the applicant.

Meezan Premium Banking

taining average quarterly balance of Rs. 5 million in checking accounts or Rs. 7 million overall relationship

d if the relationship status of the customer is no longer "Premium".

emium Customer not maintaining waiver criteria of said debit card.

Meezan Roshan Digital Account

Free
Free*
Debit Card Fees
Free for first year**
Free for first year**
Free for first year**
Free for first year**
Free
 Free
Free
Rs. 5,000/-
Upfront Processing Fees –Rs. 4,000/-
Processing Fees –Free
At actual
At actual
ncome estimation, government levies, taxes, Mortgage charges etc., will also be at actual and shall be borne by the

ough SWIFT
their PKR Meezan Roshan Digital Account. Annual fee as per our Schedule of Charges (ADC Services Section) will be

Charges

Capital Market

Rs. 1,000/- (one time)

Rs. 1,000/- (annually)
Rs. 0.05 per share plus CDC charges/tax at actual
0.1% of the market value of shares
At actual

Rs. 50/- per transaction or Rs. 50,000/- whichever is higher (subject to negotiation of rates on MBL
discretion)

Commission 0.5% plus out of pocket expense, min Rs. 50,000/- whichever is higher. (Subject to negotiation
of rates based on volume of business & on MBL discretion)

Commission 0.5 plus out of pocket expense, min Rs.50,000/-(Subject to negotiation of rates based on
volume of business & on MBL discretion)

Foreign Bills

0.5% minimum Rs.300/-maximum Rs.1,500/-plusCourier & SWIFT Charges, if applicable

USD 10/-per item (value below USD 10,000/-)USD 35/-per item (value USD10,000/-& above)

Rs.500/-as SWIFT Charges

USD10/-including SWIFT Charges

At actual
 Index
Meezan Master Debit Wo
Elgibility Features Limits Processing Time

Elgibility Any Single, Joint (Either or Survivor), Sole proprietorship A/C, Roshan Account Holde
Meezan Master Debit World Card. Also If maintaing average balance of 7 million in C
For Premium customer Note:
Customers If Eligiblity cretria did not maintain by premium customer, PKR 1,000+Fed per month
Joint (Either or Survivor): Both the account holders shall be entitled for Primary Deb
account holder (s) on the same account.
For Non Premium customer Non-Premium customer can avail Meezan World Debit card but charges applicable

For Staff
EVP I & II, SEVP I & II and above

Features
* EMV Chip based Master Debit Card , which enhances Card security and makes it more safer to use.
* Master Card is NFC "Tap n Pay" enabled, which makes the Cardholders to just Tap and Pay at NFC enabled merchants glob
* A safe and convenient alternative to carry cash.
* Accepted for Internet / Web Purchasing.
* Higher Daily Transactional Limits
* The Card holders can perform E-Commerce transactions securely eithout the need of Webpay session activation.
* Feasible to transfer funds in your own Meezan bank account / other MBL account or Other bank account.
* Use it to pay your bills, through any MBL's ATM
* Accepted all over the world - Pay for hotels, sightseeing, shopping and dining out.
Meezan Master Debit World Card BIN 5477-53
* For international e-commerce transactions open market rate will apply due to faysal bank purchase dollars in advan

Meezan Master Debit World Card ---- Withdrawal / POS Purchase / Fund Tran
* POS and Ecommerce and NFC (Tap and Pay) combine limit is 3 Million---e.g If cm used 2 Million on POS then only 1 Milli
* ATM and IB FT/IBFT combine limit is 3 Million---e.g If cm transfer funds 2 Million from ATM then only 1 Million limit will
Cash
Channel / Transaction POS FT - Own FT- 3rd
Withdrawal FT- IBFT
Name Purchase Account Party-MBL
MBL
ATM Channel
500,000 3,000,000 3,000,000 3,000,000
IVR (Callcenter)
Internet Banking /
Mobile App 3,000,000 3,000,000 3,000,000
POS Machine / Internet
(Webpay) 3,000,000
CRM (Callcenter)

Meezan Master Debit World Card ---------Single Tra

Global limit is set at 10 mi
Cash Cash
Channel / Transaction FT - Own FT- 3rd
Withdrawal Withdrawal POS Purchase
Name Account Party-MBL
MBL International
ATM Channel 100,000 50,000 200,000 1,000,000 1,000,000
Internet Banking /
Mobile App - 1,000,000 1,000,000
 Internet Banking /
Mobile App - 1,000,000 1,000,000

Fees & Charges Meezan Master Debit World Card--

Annual Fee customer
For Premium customer Free of cost --In case of down grade (
Replacement Fee Same as issuance
Cash withdrawal (on 1-Links or M-Net ATMs) (Local) PKR 23.44 (Per withdrawal)
Balance Inquiry (on 1-Links or M-Net ATMs) (Local) PKR 5 (Per Inquiry)
ATM Receipt by other bank customers on Meezan ATMs Rs. 2.5/- per receipt
Cash Withdrawal (on International ATMs) 4% or Rs. 600 whichever is higher (Equalent to
Withdrawal on International Cards USD 5/- per transaction
Balance Inquiry from International Cards on Meezan ATMs USD 1/- per inquiry
Balance Inquiry (on International ATMs) PKR 300 per Transaction
POS (Point of Sale) / Local Purchase Free of Cost
POS (Point of Sale) / International Purchase 3.5% of Transactional Amount (Equalent to PKR)
Fund Transfer - Own / 3rd Party MBL's Account Free of Cost
IBFT via Internet / Mobile Banking
Fund Transfer - IBFT (Inter Bank Fund Transfer) Other than MBL Free IBFT - up to Rs.25,000/- per month
(ATM/IB/MB) For additional amount above Rs. 25,000 per month
0.1% of the transaction amount or Rs. 200, which e
Debit Card Limit Enhancement

Processing Time
Visa Application / Replacement processing time / turn around time is 3-4 days.
Account Debit Cash Not Dispense Complain from ATM processing time is maximum 7-15working days.

E-Form Status.
Meezan Master Debit World Card form can be initiated from Branch / Call Center. (1st card will be processed only from Br
Action
Mark from call center:
Applicable on all Eforms (Premium / Non Premium). If Premium Cm not maintaining average balance then charges w
eligibility criteria then charges will not deduct from customer account. If cm is non premium then charges will deducted on

Debit Card staff

Call center Limitare
Enhancement
guiding account holders to visit their parent branch for E-commerce limit increase without confirming h
his/her card to get more limit on E-commerce. If customer insists to enhance limit on existing card so guide him/her as per b
As discussed with ADC Business Team this service is not live yet,however account holder can request to enhance his debit c
to branch manager. Branch manager will confirm his transaction genuineness and take approval from AM or RGM then forwa
This is only for 1 time transaction.
Note:- It is totally depends on Branch Manager, we do not commit anything from our end.

Discount(s) /Priviliges
Welcome Pack

Complimentary Access at domestic airport lounges

City Lounge Name:

Karachi(Karachi International Airport) CIP Lounge
Lahore (Lahore Allama Iqbal International Airport) CIP Lounge
Multan (Multan International Airport) CIP Lounge
Sialkot( Sialkot International Airport) CIP Lounge
Islamabad (International Airport) CIP Lounge
List of Travel Pass Lounges for Master World Card
 updated on 05-07-2022
eezan Master Debit World Card
Processing Time E-Form Status Discount(s) /Priviliges

rship A/C, Roshan Account Holders Maintaining average balance of 5 Million in CASA can avail
average balance of 7 million in CASA+TD

omer, PKR 1,000+Fed per month will be charge as per schedule of charges.
rs shall be entitled for Primary Debit Cards. No Supplementary Card shall be issued in the name of joint

ebit card but charges applicable

er to use.
ay at NFC enabled merchants globally.

pay session activation.

bank account.

bank purchase dollars in advance on weekly basis

wal / POS Purchase / Fund Transfer Limits / Web Access(on-line) / Bill Payments / AMIM
2 Million on POS then only 1 Million limit will left for ecommerce.
ATM then only 1 Million limit will left for IB fund transfer
Ecommerce FBR Bill Telco Post Telco Pre Utility Post NFC (Tap &
AMIM
Purchase Payment Paid Paid Paid Pay)

3,000,000 3,000,000

it World Card ---------Single Transaction Limits are as Under:

Global limit is set at 10 million

Ecommerce FBR Bill Telco Post

FT- IBFT Telco Pre Paid Utility Pospaid AMIM
Purchase Payment Paid
1,000,000 - - - - -

1,000,000 3,000,000 - - - - -
 1,000,000 3,000,000 - - - - -

Debit World Card---Rs.14,000 + 16% FED (Federal Excise Duty) = Rs.16,240 (PKR)--for non premium

ase of down grade (PKR 1000 + 16% FED (Federal Excise Duty) = 1160 will be charged monthly)
e
withdrawal)
y)

0 whichever is higher (Equalent to PKR)(additional 1% for filer and 2% for Non-filer will be charged)
action

nsaction

ional Amount (Equalent to PKR)(additional 1% for filer and 2% for Non-filer will be charged)

/ Mobile Banking
Rs.25,000/- per month
ount above Rs. 25,000 per month
action amount or Rs. 200, which ever is lower
Charges removed

orking days.

d will be processed only from Br)

g average balance then charges will deduct manually within 1 week. If Premium customer meet
m then charges will deducted on real time.

mit increase without confirming his/her current card category. First of all we have to guide our customers to upgrade
ting card so guide him/her as per below instructions.
can request to enhance his debit card limit for POS & E-commerce by submitting his request
proval from AM or RGM then forward customer's request to ADC Business for further process.
omestic airport lounges

Free Access to
Cardholder only
Cardholder only
Cardholder only
Cardholder only
Cardholder only
Lounges for Master World Card
viliges

EDUCATIONAL,
TRAVEL &
ADVERTISEME
NT Ecomm/POS

3,000,000

NFC (Tap &

Pay)
Index

Meezan Visa Infinite Debit Card

Eligibility Criteria
Account Category Cr
Bank Accounts Equiva
Term Deposit Certificates Equiva
Bank Accounts & Term Deposit Certificates Equiva

Annual Charges
Issuance Fee (Non- Premium & Premium not maintaining above eligibility criteria)
Meezan VISA Infinite Debit Card (Eligible Premium customers)
Card Replacement Charges (Lost, Stolen, Damaged)

For Staff
Only for President & CEO, Deputy CEO

Transaction Limits:
Single Transaction Limit
Transaction type Channel

Cash Withdrawl (MBL) Meezan Bank ATM 100,000

Other Bank ATM*
Cash Withdrawal (Other Bank ATM) 50,000
Purchase & E-Commerce All 5,000,000
Tap & Pay All 5,000,000
Inter Bank Funds Transfer (IBFT) ATM 1,000,000
Inter Bank Funds Transfer (IBFT) IB & MB 1,000,000
Third Party Funds Transfer (within Meezan- ATM 1,000,000
FT)
Third Party Funds Transfer (within Meezan - IB & MB 1,000,000
FT)
Own Account Funds Transfer ALL 1,000,000
RAAST Inter Bank Funds Transfer (IBFT) IB & MB 500,000
RAAST Third Party Funds Transfer (within IB & MB 1,000,000
Meezan - FT)
RAAST Own Account Funds Transfer IB & MB 1,000,000

Fees & Charges

Annual Fee (Non premium customer & premium customer not 25,000 + 16% FED = 29,000
maintaining above eligibility criteria.)
Replacement Fee Free of Cost
In case of down grade from above mention eligibility criteria PKR 2,000 + 16% FED (Federal Ex
Cash withdrawal (on 1-Links or M-Net ATMs) (Local) PKR 23.44 (Per withdrawal)
 Balance Inquiry (on 1-Links or M-Net ATMs) (Local) PKR 5 (Per Inquiry)
4% or Rs. 600 whichever is higher
Cash Withdrawal (on International ATMs) Non-filer will be charged)
ATM Receipt by other bank customers on Meezan ATMs Rs. 2.5/- per receipt
Withdrawal on International Cards USD 5/- per transaction
Balance Inquiry from International Cards on Meezan ATMs USD 1/- per inquiry
Balance Inquiry (on International ATMs) PKR 300 per Transaction
POS (Point of Sale) / Local Purchase Free of Cost
3.5% of Transactional Amount (E
POS (Point of Sale) / International Purchase Non-filer will be charged)
Internet Activtion Charges. Free of Cost
Internet / Web Purchasing - Local website Free of Cost
3.5% of Transactional Amount (E
Internet / Web Purchasing - International website (other than PKR) Non-filer will be charged)
Fund Transfer - Own / 3rd Party MBL's Account Free of Cost

Free IBFT -up to Rs.25,000/-per m

month.
Fund Transfer - IBFT (Inter Bank Fund Transfer) Other than MBL (ATM/IB/MB)
transaction amount or Rs. 200, w

Features & Benefits

Lounges Meet & Assist Services Avis Car Rentals

Lounges:
Meet & Assist Service:
Avis Car Rentals

Concierge
Concierge Digital Services
ite Debit Card
BIN (Bank Identification Number) 4017-69
riteria
Criteria for Premium Customers
Equivalent to PKR 15 Million or more
Equivalent to PKR 20 Million or more
Equivalent to PKR 20 Million or more

arges
25,000 + FED = 29,000
FREE
No Charges

ff
CEO, Deputy CEO

Limits:
nsaction Limit
Per Day Limit

00,000 700,000
* POS and
0,000 700,000 Ecommerce and NFC
00,000 5,000,000 (Tap and Pay)
combine limit is 5
00,000 5,000,000 Million---e.g If cm
00,000 5,000,000 used 2 Million on
POS then only 3
00,000 5,000,000
Million limit will left for
00,000 5,000,000 ecommerce.
00,000 5,000,000
00,000 5,000,000
00,000 5,000,000
00,000 5,000,000
00,000 5,000,000

arges
6% FED = 29,000

st
+ 16% FED (Federal Excise Duty) = 2320 monthly
(Per withdrawal)
 Inquiry)
600 whichever is higher (Equalent to PKR) (additional 1% for filer and 2% for
will be charged)
er receipt
er transaction
er inquiry
er Transaction
st
ansactional Amount (Equalent to PKR) (additional 1% for filer and 2% for
will be charged)
st
st
ansactional Amount (Equalent to PKR) (additional 1% for filer and 2% for
will be charged)
st

up to Rs.25,000/-per monthFor additional amount above Rs. 25,000 per

0.1% of the
n amount or Rs. 200, whichever is lower

Benefits
Concierge Digital Concierge

s:
Service:
entals

ge
al Services
Index
Meezan Women First Account

Meezan Women First Account is offered in savings category and can be opened in both PKR or fo

Key Features & Benefits

● Customized Vertical Debit Card
● Free Chequebook
● Free Pay Orders
● Free internet & mobile banking services
● Free e-statement facility
● No Account Maintenance Charges
● Free Online Branch Banking
● Discount on Locker Fee
● Unlimited Deposits & Withdrawals
● No Minimum Balance Requirement
● No Processing Fee on Bike/Car Ijarah & Housing Finance Cases
● Discounted Monthly Payments/Rentals on Consumer Finance products
● Waiver/Discount on Early Termination Profit on Consumer Finance Products
● Higher Expected Returns

Important Points:
● Females having Pakistani nationality may open Meezan Women First Account.
● Females aged 18 and above are eligible to open Meezan Women First Account
● Meezan Women First Account is offered in savings (Mudarabah) category only.
● Initial deposit required to open Meezan Women First Account is Rs 100 for PKR account & USD/GBP/EUR 100 for F
● First issuance of debit card is on special pricing of PKR 500. For subsequent issuance, charges will be applicable as
● Customized debit card is issued to account holders having Meezan Women First Account only.
● Meezan Women First Account can be opened jointly. Both accountholders should be females only (either or survivor
● 50 percent discount on first year locker fee is (subject to availability). Charges as per SOCs from subsequent years.
● More than one Meezan Women First Account may be opened.
● Any existing account cannot be converted into Meezan Women First Account.
● Existing account holders may open Meezan Women First Account as a new account (fulfilling all the pre requisites o
● Only individuals are allowed to open Meezan Women First Account. No company/partnership entity/corporate shall b
● Account holders having Meezan Women First shall be able to invest in Islamic Term Deposits, Kafalah and other we
● Meezan Bank female staff members are also allowed to open Meezan Women First Account and may use the same
● Customer can provide his own source of income or source of income of supporting participant. (Spouse/Father)
 Women First Debit card details:

Category BIN Limits Charges

500 for first time issuance-
Visa Classic/ Silver 407937 Same as Classic card 1900+ FED from next year
 n First Account

n be opened in both PKR or foreign currencies (USD/GBP & EURO).

es & Benefits

nt Points:

unt & USD/GBP/EUR 100 for FCY account.

e, charges will be applicable as per the Bank’s Schedule of Charges (SOCs).
unt only.
emales only (either or survivor).
SOCs from subsequent years.

fulfilling all the pre requisites of account opening including KYC, CDD, etc)
nership entity/corporate shall be allowed to open this account.
Deposits, Kafalah and other wealth management products of Meezan Bnak.
ccount and may use the same for salary purpose.
rticipant. (Spouse/Father)
 Charges
first time issuance-
FED from next year