A Debit Card, also known as a Bank Card or Check Card, is a plastic payment card that can be used instead of cash when making purchases. It is similar to a Credit Card, but unlike a Credit Card, the money comes directly from the user's bank account when performing a transaction. 

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 by the bank via assigning a loan to you, 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 the revolving amount. 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 by directly debiting your bank account that is linked with your card. In a nutshell, Credit Cards are “Buy Now, Pay Later” and Debit Cards are “Buy Now, Pay Now”.

Some of the advantages of Debit Cards are as below:
a) Debit Cards provide you the peace of mind of not going into debt via overspending as the money you spend via the Debit Card is your own money, not any bank loan.
b) Debit Cards provide you safety. In case your wallet gets stolen at gun point, you can get the card blocked; making it a useless piece of plastic which the ATM will capture upon usage and the POS terminal will reject any attempt.
c) With all your cash notes replaced by just one card, Debit Cards provide you ease in carrying your money.
d) Now you don’t have to look for an ATM anymore, pay directly and immediately nationwide for fuel, groceries, dinner.

The FWBL Mastercard Debit Card is a Debit Card Service by First Women Bank Ltd., powered by the worldwide acceptability of Mastercard International for cash withdrawal and direct purchases.

Your FWBL Mastercard Debit Card can also be used as an ATM card at all ATMs worldwide.

The Card can only be requested only on all PKR currency Current and Savings Accounts where ADC services are given. The Card cannot be issued on a foreign currency account. 

To use your Card as a Debit Card, just follow the “4S Principle”

a) Look for outlets that accept Mastercard and shop.
b) After shopping, when you come to the cash counter for payment, the cashier will
swipe your FWBL Mastercard Debit Card.
c) Upon a successful transaction, the cashier will give you a charge slip.
d) Check the transaction amount and sign the slip given by the merchant.
e) Once the transaction is complete, the amount will be deducted from your FWBL
Account that is linked with the Card.
f) Please do take your copy of the receipt and keep it safe.

Yes, but initially the Card is kept inactive over the internet as it is too risky to provide your bank account information to a third party website. To activate your Mastercard over the internet, you have to call the FWBL Call Center for a time-bound period activation. All the transactions that will be performed during the activation period will be at your own risk and the Bank will not be responsible. 

Yes, but initially the Card is kept inactive for international transactions. To activate, you have to call the FWBL Call Center for a time-bound period activation. All the transactions that will be performed during the activation period will be at your own risk. 

The Card will be accepted worldwide.

As an ATM Card, you will be required to enter your four-digit PINCODE. It is necessary that you maintain the confidentiality of the PINCODE so as to avoid any fraudulent attempts.
As a Debit Card, there is no requirement of the PIN at the cash counter; Debit Card verification is done via signature on the merchant’s copy of the receipt. It is requested that you do not give your Bank Debit Card to anyone under any circumstances, and get the Card blocked immediately in case the Card is lost, stolen or misplaced. 

The validity of the FWBL Mastercard Debit Card is five years from the date of issuance. Thereafter, you will be required to submit a Card Replacement request. 

All local currency account holders are eligible for a Mastercard debit card. Customers should contact their respective branch for the issuance of a new card.

In case your Card gets lost or stolen, please immediately call the FWBL Call Center and get the Card blocked. After blocking, the Card is just a piece of plastic and will either be captured by an ATM or rejected at the POS upon trial. 

All existing Cardholders can get their Mastercard issued by visiting their respective branches. Cardholders must call FWBL’s Phone Banking at (021) 111-11-3925 or 0331-3925-111 and get their Card blocked, and apply for the Mastercard Debit Card. New Accountholders and people who did not apply for a Card when they opened their account can also apply for a FWBL Mastercard Debit Card via their branch. 

Please refer to the Bank’s Schedule of Charges on the FWBL website.

In order to avert fraudulent activity and mitigate risk, no card can be issued until the previous card is permanently blocked. 

Replacement charges will be levied on customers who apply for the FWBL Mastercard Debit Card and the annual subscription charges (which will be deducted after the completion of the 1st year of issuance) will be applied. 

There are certain guidelines (also mentioned in the Welcome Pack) following which the chances of fraud and risks of financial losses can be mitigated. Some of the points are mentioned below:
a) Do not give your Card to anyone. Sign immediately at the back of the Card when the Card is received.
b) Never disclose your ATM PINCODE to anyone (even the Bank Staff). If you forget your PINCODE, do not guess at the ATM; simply call the FWBL Call Center from your registered contact number and generate a new one on IVR immediately.
c) Change your PIN frequently.