Regarding MCB Lite card, emailing at info@mcb.com.pk and mcblite@mcb.com.pk is the best way to resolve any issues, since branch and customer support staff does not want to deal Lite at all.
My lite card is now linked to my bank account and now i can transfer funds back and forth between Bank and lite card via MCB Lite app.
Excess unused funds in lite card are sent back to bank by me as a measure of safety. Never seen such an awesome feature in other cards.