Debit Card Related FAQs

How can I apply for an MCB Islamic debit card through the app?

  • Log in to the Subuk App
  • Go to Debit Cards → Apply New Debit Card
  • Select account and card type and provide other required information
  • Confirm request to apply

How do I activate my debit card?

You can activate your debit card in the debit card section by following the easy on-screen instructions.

How do I activate my debit card?

  • Log in to the Subuk App
  • Go to Debit Cards → Select your Card → Activate
  • Follow the on-screen instructions to activate your card successfully

How can I Upgrade or Replace my Existing Debit Card with a Visa Debit Card?

    If you wish to upgrade your existing Debit Card to a Visa Debit Card or need a Visa Card replacement, please note the following
    important points before submitting your request:

    i) Block your existing card first

    Before applying for a Visa Debit Card upgrade or replacement, you must block your current debit card by calling our
    Contact Center at 042-111-222-642 or Via SUBUK App. This ensures your old card is securely deactivated before the new one
    is issued.

    ii) Card delivery time (TAT)

    Your new Visa Debit Card will be delivered within 7-10 working days after your request has been processed.

    iii) Ensure your mailing address is updated

    Cards not collected within 90 days will be blocked and discarded.

    • If your address is incomplete or outdated, the card will be returned to your parent branch.
    • You will then need to collect your card from the branch within 90 days of issuance.
    • Cards not collected within 90 days will be blocked and discarded.

    iv) Applicable charges

    • Card replacement or upgrade charges will apply as per the Bank’s Schedule of Charges (SOC).
    • No fee reversals will be made if the card remains uncollected.
    • Any charges on the previous card that have been incurred, paid, or accrued (to be paid) cannot be waived or reversed.

    How can I temporarily block or unblock my card?

    • Log in to the Subuk App
    • Go to Debit Card → Select Card → Block/Unblock Card

    What should I do if my debit card is lost or stolen?

    • Immediately block your card via Subuk App or call Phone Banking
    • Use the app to request a replacement card
    • Your new card will be dispatched to your registered address

    Can I change my debit card PIN through the app?

    • Log in to the Subuk App
    • On Dashboard under Accounts → Card Management → Change PIN (requires OTP verification)

    How can I check my card usage or limits?

    Go to Card Management → My Limits to see your:

    • Daily Withdrawal
    • Purchase Limits
    • Fund Transfer Limits
    • Bill Payment Limits
    • E-Commerce Limits

    Is international usage allowed on MCB Islamic debit cards?

    Yes, but it’s disabled by default. You can enable international use via the app settings or by calling customer support—subject to SBP guidelines and your account type.

    Can I use my debit card for online shopping?

    Yes! Just make sure your card is activated for e-commerce (via app or helpline).

    HOW CAN I UPGRADE OR REPLACE MY EXISTING DEBIT CARD WITH A VISA DEBIT CARD?

    If you wish to upgrade your existing Debit Card to a Visa Debit Card or need a Visa Card replacement, please note the following
    important points before submitting your request:

    i) Block your existing card first

    Before applying for a Visa Debit Card upgrade or replacement, you must block your current debit card by calling our
    Contact Center at 042-111-222-642 or Via SUBUK App. This ensures your old card is securely deactivated before the new one
    is issued.

    ii) Card delivery time (TAT)

    Your new Visa Debit Card will be delivered within 7-10 working days after your request has been processed.

    iii) Ensure your mailing address is updated

    Please make sure your mailing address is correct and up to date in our system.

    • If your address is incomplete or outdated, the card will be returned to your parent branch.
    • You will then need to collect your card from the branch within 90 days of issuance.
    • Cards not collected within 90 days will be blocked and discarded.

    iv) Applicable charges

    • Card replacement or upgrade charges will apply as per the Bank’s Schedule of Charges (SOC).
    • No fee reversals will be made if the card remains uncollected.
    • Any charges on the previous card that have been incurred, paid, or accrued (to be paid) cannot be waived or reversed.
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