ADC
What is EMV ?
EMV chip technology is a global standard for Debit card payments. That stands for Europay, MasterCard® and Visa®, this technology features payment instruments with embedded microprocessor chips that store and protect Cardholder data. This standard has many names worldwide and may also be referred to as: "chip and PIN" or "chip and signature.“
What is chip technology?
Chip technology is an evolution in our payment system that will help increase security, reduce card-present fraud and enable the use of future value-added applications. Chip-enabled cards are issuing bank cards that are embedded with a micro computer chip.
EMV Master Debit Card:
JS Bank Limited provides MasterCard® Debit Cards with EMV chip technology for Customers. MasterCard is accepted worldwide and offers many benefits we believe you will find useful and valuable, including price protection, lost or stolen card support and travel services. Every MasterCard chip card includes the added security of EMV technology, which uses an embedded microchip that creates a one-time processing code when you use your card at a terminal - better protecting you against fraud and identity theft.
Wide Cash Withdrawal Access: Withdraw cash from more than 14,000 ATMs on 1-Link or MNET network in Pakistan and 1 million other Network ATMs globally.
Wide Retailer Reach Globally: Accepted at over 27 million retailers globally and in Pakistan.
Theft Protection and Insurance: Theft protection and insurance against fraudulent transactions made on your card after you report the incident.
24/7 Phone Banking: Use our 24-hour phone banking service to active your card.
1. Gold Debit Mastercard.
2. Titatnium Debit Mastercard.
3. Platinum Debit Mastercard.
4. World Debit Mastercard.
- All eligible account against which debit cards are being offered.
- All JS Bank account holders.
For NTB: Customer request on account opening form along with the copy of CNIC.
For ETB: Customer request on ADC services form along with the copy of CNIC.
ETB customer can also place the Debit Mastercard replacement request via Phone Banking. Call to made from registered CLI updated in Bank records.
- 3 to 4 Business Days.
1. ATM Cash Withdrawal Charges - Free on JS Bank ATMs.
- Rs. 18.75/- (Non JS Bank ATM - Cash Withdrawal Fee) unless waived as per product features.
2. Chip Maintenance Charges - Fee.
3. MasterCard Debit Card Issuance Fee - Free.
4. MasterCard Annual Fee.
5. MasterCard Gold - Rs. 1,600/-
6. MasterCard Gold Supplementary - Rs. 800/-
7. MasterCard Titanium - Rs. 2,500/-
8. MasterCard Titanium Supplementary - Rs. 1,250/-
9. MasterCard Platinum - Rs. 5,000/-
10. MasterCard Platinum Supplementary - Rs. 2,500/-
11. MasterCard World - Rs. 15,000/-
12. MasterCard World Supplementary - Rs. 7,500/-
13. Mastercard Prepaid Card Annual Fee - Rs.1,100/-
14. Mastercard Prepaid Card Reissuance - Rs.800/-
15. MasterCard Gold Reissuance - Rs.1,000/- (Principal and Supplementary Cards).
16. MasterCard Titanium Reissuance - Rs.1,500/- (Principal and Supplementary Cards).
17. MasterCard Platinum Reissuance - Rs.2,500/- (Principal and Supplementary Cards).
18. MasterCard World Reissuance - Rs.10,000/- (Principal and Supplementary Cards).
19. MasterCard Gold to Titanium Upgrade - Rs.1,500/- (Principal and Supplementary Cards).
20. MasterCard Titanium to MasterCard Platinum/Gold Upgrade - Rs. 2,000/- (Principal and Supplementary Cards).
21. MasterCard Gold to MasterCard Platinum Upgrade - Rs. 3,000/- (Principal and Supplementary Cards).
22. POS Transactions (Local) - Free.
23. POS Transactions (International) - 3.5% of transaction amount.
24. Balance Inquiry - Free (JS Bank ATMs).
- Rs.2.5/- (Non JS Bank ATM - Balance Inquiry.
- Rs.200/- (International Balance Inquiry Fee).
25. Receipt Charges for Cash Withdrawal & Balance Enquiry on ATMs - Rs.2.5/- (JS Bank & Non JS Bank ATMs).
26. Mini Statement - Free.
27. Retrieval Charges - Rs. 700/- (per transaction).
28. Arbitration/Charge Back - USD 500/-
29. Card Capture (International) - USD 15/-
30. MDC Internet Activation Charges - Free.
31. MDC Limit Enhancement Annual Fee - Rs. 800/- per annum.
32. International ATM Cash Withdrawal - Rs. 1000/- per transaction or 3.5% whichever is higher.
Channel Limits
|
DEBIT MASTERCARD |
||||||||
|
Gold |
TITANIUM |
PLATINUM |
WORLD |
|||||
|
Single Transaction |
Day Limit |
Single Transaction |
Day Limit |
Single Transaction |
Day Limit |
Single Transaction |
Day Limit |
|
|
Withdrawal Limit |
30,000 |
50,000 |
50,000 |
100,000 |
50,000 |
150,000 |
50,000 |
150,000 |
|
IBFT Limit |
250,000 |
500,000 |
250,000 |
500,000 |
250,000 |
500,000 |
250,000 |
500,000 |
|
Funds Transfer Limit |
250,000 |
500,000 |
250,000 |
500,000 |
250,000 |
500,000 |
250,000 |
500,000 |
|
POS Purchase Limit |
100,000 |
100,000 |
100,000 |
400,000 |
100,000 |
500,000 |
100,000 |
500,000 |
- Not Applicable.