Service Fee/Markup on Cash Transactions
3.08% per month translated into an APR of upto 37% calculated on daily unpaid balance from date of transaction

Service Fee/Markup Retail(Fixed APR)
3.08% for service fee/markup per month translated into an APR of upto 37%

Service Fee/Markup Retail (Variable APR /i-revolve)
Upto 38% to 33% APR based on continuous revolving of per retail transaction for six months or above

This is charged on per retail transaction basis from an APR of 38% in the first revolving month and based on revolving of the transaction the rate continues to decline each month for six months to a minimum of 33% i.e sixth revolve month and continues at this rate till the transaction is fully paid.

Late Fee
Rs.600/- or 10% of minimum amount due which ever is higher

Cash Advance Fee
Rs.500/- (per transaction) or upto 3% of the cash advance transaction amount (whichever is higher) plus all charges passed on by the acquiring bank

Cheque/Cash Pickup Fee
PKR. 200/-

Overlimit Fee
PKR. 750/ -

Voucher Retrieval Fee
Local: PKR. 250/- per document Foreign: PKR. 800/- per document

i-insure
Package 1: PKR 600,
Package 2: PKR 300,
Package 3: PKR 200,
Wallet Protection: PKR 75 per month

Credit Security
upto 0.60% of total monthly outstanding balance

i-plan
APR starting from 17.93% upto 21.28%
Processing fee: 2% per transaction
Prepayment charges:Rs.1,000 or 5% of outstanding instalment balance(whichever is higher)

i-dial
APR starting from 17.93% upto 21.28%
Processing fee:
Rs.350/- (per request) or upto 2% of amount
requested (whichever is higher)
Prepayment charges:Rs.1,000 or 5% of outstanding
instalment balance(whichever is higher)

i-switch
APR starting from 17.93% upto 21.28%
Processing fee: Rs. 350/-(per request) or upto
2%of the amount requested (whichever is higher)
Prepayment charges:Rs.1,000 or 5% of outstanding
instalment balance(whichever is higher)


Arbitration Charges for Disputed Transactions
USD 500/- or equivalent

Card Replacement Fee
Upto Rs.500/-

Card Reissuance Fee
Rs.500/-

Cheque Return Charges / Insufficient funds on Auto Debit
Upto PKR. 600/-

Pay Order / Demand Draft Issuance Fee
Upto PKR. 500/-

Cash Payment Processing Fee
Upto PKR. 100/- per bill for MCB account holders
Upto PKR. 200/- per bill for non-MCB account holders

Duplicate Statement of Request
PKR. 50/- per statement (more than 1 month old)

Foreign Transactions
Upto 5% over prevailing market rate or as per
SBP directive. Third currency transactions will
be first converted into US Dollars as per rate
quoted under arrangement with Visa and
MasterCard. Cross border transaction fee will
also be charged as per Visa/MasterCard rules.

Credit Worthiness Certificate
1 Certificate per 6 months – Free Subsequent requests - PKR. 200/- per certificate

Safe Custody Charges on Post Dated Cheques
PKR. 500/- per cheque

Plan Conversion Fee
Upto PKR 200

Utility Bills Payment
Rs 20/- per bill

Priority Pass
Airport facilitation – annual fee – USD
10Airport Lounge visit fee – USD 28.5 per visit

SMS Alert Fee
Rs 20/- per month

* All the charges are subject to change in rate which will be at the discretion of the Bank and will be notified to the customer accordingly

Note: Federal Excise Duty will be levied on above charges if applicable.