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Lets talk about RuPay NCMC Card/ RuPay Metro Card & share your experience & help others

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Abhishek012

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Lets talk about RuPay NCMC Debit/Prepaid Card/ RuPay Metro Card/ RuPay Transit Card and share your experience and help others:

Hi, NPCI now allow Banks, Metros, Buses to accept RuPay NCMC debit and NCMC Prepaid cards.

Many people are asking me how to activate RuPay NCMC debit card ? How to load money ? How to use etc.

What is RuPay NCMC Card ?

National Common Mobility Card (NCMC) is Transit Card/ Metro Card is India. Single Card use on any Metros, Buses, Toll, Parking, Railway, Para Transit & Retail shopping etc.

You will get offline Wallet based contactless Payments option. Load Money on your RuPay NCMC Offline Wallet and use any Metro AFC gates in India. Same like any Metro Cards in India. Some Indian buses are also start accepting RuPay NCMC cards.

How to activate RuPay NCMC Card ?

You RuPay NCMC Card activate through Metro counter and Metro staff will help you to activate your NCMC card feature.

How to load money on my RuPay NCMC Card Wallet ?

You can load money from Metro counters or Online from your bank Internet banking or Mobile banking app.

How to Use ?

Just Tab on entry AFC gate and exist time tab on exist AFC gate.

What is the limit for my offline RuPay NCMC wallet transaction ?

Well, limit is decided by the banks, i shared here Bank of Baroda RuPay NCMC debit card offline wallet transaction limit -

Note - The limit may change in the future.

  • Maximum per transaction limit for money add transaction - Rs. 500.
  • Maximum daily limit for money add transaction - Rs. 2000.
  • No. of money add transactions allowed per day - 4.
  • Maximum balance in card (stored value) at any point - Rs. 2000.
  • Max per transaction limit for card for offline purchase - Rs. 200 (retail payments) & Rs. 2,000 (transit payments).
  • Maximum daily limit for card for no. of offline purchase transactions - 20.

Delhi Metro -

Here Delhi Metro Offer 10% off on RuPay NCMC Card payment during peak hours and 20% off on non-peak hours.

Last time i heard Delhi Metro airport expressline accept RuPay NCMC Cards but now I see it is expanding to other Delhi Metro stations as well.

If you travel in Delhi Metro and use RuPay NCMC cards then share your experience in comment section and also help others like where you use ? how you activated your RuPay NCMC cards etc.

Note - Already few users here used RuPay NCMC cards on Delhi Metro. They activated RuPay NCMC Debit Cards from Delhi Metro counter.

F3Efpf9XgAEV6RZ.jpg


Bengaluru Metro -

Here one twitter user Naveenkumar B S shared on twitter -

Bengaluru Metro now supports all banks NCMC RuPay Debit cards, so there is no need to buy a new card to travel. Today I activated my SBI NCMC debit card service creation at the metro counter and loaded 200 Rs.

I travel by metro regularly in Bangalore, and today I checked at the Banashankari customer service counter if there was any possibility to link my existing SBI Rupay NCMC debit card. The person checked, created the service and loaded the amount.

He also shared this images -

dfrdy.jpg

Same Twitter user shared another tweet, this time he use Paytm RuPay wallet transit card -

Paytm wallet transit card was delivered on 7 August 23 in Bengaluru, and I have reloaded 100 Rs in AVM.

xcgds.jpg

He also share this video -

View attachment qSL4p4julFWzPzz-.mp4


MMRDA Mumbai Metro -

Here another Twitter user share his experience in MMRDA Mumbai Metro -

Finally the MMRDA Mumbai Metro staff got the NCMC activated!!
Here’s my BOB RuPay Select Debit Card being used!!

Entry and exit tap images -

F2CcX-IboAAwbv4.jpg
Now the RuPay NCMC-enabled key chain is also supported to use metro stations,shopping malls and other contactless-enabled POS machines. Well done Omnicard app.

dtrete.jpg

These are just a few examples and will give you an idea of how to use your RuPay NCMC Metro Card.

Mumbai BEST buses also accept RuPay NCMC Cards and they also issue their own Chalo BEST NCMC Card by yes bank but you can also use other RuPay NCMC Cards as well.

Since, RuPay NCMC Transit System is new and many people are unaware about it. Please share your experience in comment section and help others how to use RuPay NCMC Cards on your Metros.

Updated -

Now RuPay Card ‘NCMC Recharge’ supported through BBPS (Bharat Bill Pay System):​

www.technofino.in

Now RuPay Card ‘NCMC Recharge’ supported through BBPS (Bharat Bill Pay System)

Now RuPay Card ‘NCMC Recharge’ supported through BBPS (Bharat Bill Pay System): NBBL (formely BBPS) Introduces ‘NCMC Recharge’ as the Newest Billing Category on Bharat BillPay. NPCI Bharat BillPay Ltd. (NBBL), India's leading platform for convenient and secure bill payments,announced the...
www.technofino.in www.technofino.in

New Update - Airtel payments bank now replace Paytm payments bank from all NCMC project -

Now some station also have an option to load money via Cash, UPI, Any Debit/Credit/Prepaid cards -

LIVE PROJECTS Till 16th June, 2024 -
​

Sr. NoTransit Operator NameModeExclusive/Non-ExclusiveAcquiring BankRuPay cards acceptedPayments options available at stations to load NCMCNCMC functionality
1Assam State Transport Corporation (ASTC)BusNon-ExclusiveYes BankAll NCMC certified banksCashBalance Check, Balance Update
2Bangalore Metro Rail Corporation Limited (BMRCL)MetroNon-ExclusiveRBL BankAll NCMC certified banksCash,UPI,Any Debit/Credit/Prepaid cardsBalance Check, Balance Update
3Brihanmumbai Electricity Supply and Transport Undertaking (BEST)BusNon-ExclusiveYes BankAll NCMC certified banksCashBalance Check, Balance Update
4Chennai Metro Rail Limited (CMRL)MetroNon-ExclusiveState Bank of IndiaAll NCMC certified banksCash,Any Debit/Credit/Prepaid cardsBalance Check, Balance Update
5Delhi Metro Rail Corporation (DMRC)MetroNon-ExclusiveAirtel Payments BankAll NCMC certified banksCash,UPI,Any Debit/Credit/Prepaid cardsBalance Check, Balance Update
6Gujarat Metro Rail Corporation Limited (GMRC)MetroNon-ExclusiveAirtel Payments BankAll NCMC certified banksCash,UPI,Any Debit/Credit/Prepaid cardsBalance Check, Balance Update
7Haryana RoadwaysBusNon-ExclusiveAU Small finance BankAll NCMC certified banksUPI,Any Debit/Credit/Prepaid cardsBalance Check, Balance Update
8Kadamba Transport Corporation Limited (KTCL) (Goa Transport)BusNon-ExclusiveAirtel Payments BankAll NCMC certified banksCash,UPI,Any Debit/Credit/Prepaid cardsBalance Check, Balance Update
9Mumbai Metro One Private Limited (MMOPL) (Mumbai Metro 1) Reliance MetroMetroNon-ExclusiveAirtel Payments BankAll NCMC certified banksNot AvailableNot Available
10Mumbai Metropolitan Region Development Authority (MMRDA) Mumbai Metro Line 2A & 7MetroNon-ExclusiveState Bank of IndiaAll NCMC certified banksCash,UPI,Any Debit/Credit/Prepaid cardsBalance Check, Balance Update
11National Capital Region Transport Corporation (NCRTC)MetroNon-ExclusiveAirtel Payments BankAll NCMC certified banksCash,UPI,Any Debit/Credit/Prepaid cardsBalance Check, Balance Update
12Uttar Pradesh Metro Rail Corporation (UPMRC)MetroNon-ExclusiveState Bank of IndiaAll NCMC certified banksCash,UPI,Any Debit/Credit/Prepaid cardsBalance Check, Balance Update
13Noida Metro Rail Corporation Limited (NMRC)*MetroExclusiveState Bank of IndiaState Bank of IndiaCash,UPI,Any Debit/Credit/Prepaid cardsBalance Check, Balance Update
14Nagpur Metro Rail Corporation Limited (NMRCL)*MetroExclusiveState Bank of IndiaState Bank of IndiaCash,UPI,Any Debit/Credit/Prepaid cardsBalance Check
15Ahmedabad Janmarg Limited (Janmitra Bus)*BusExclusiveICICI BankICICI BankCash,UPI,Any Debit/Credit/Prepaid cardsBalance Check
16Surat BRTS*BusExclusiveICICI BankICICI BankCash,UPI,Any Debit/Credit/Prepaid cardsBalance Check
17Kochi Metro Rail Limited (KMRL)*MetroExclusiveAxis BankAxis BankCash,UPI,Any Debit/Credit/Prepaid cardsBalance Check
18Pune Metro*MetroExclusiveHDFC BankHDFC BankCash,UPI,Any Debit/Credit/Prepaid cardsBalance Check
Note - @ Exclusive NCMC project means a single bank is selected by a transit operator who acts as issuer as well as acquirer.

@ Non-Exclusive NCMC project means any RuPay NCMC is accepted by the transit operator.

@ Issuer banks have provided money add option using internet banking/mobile banking to add money to the NCMC virtual account. After this the customer has to perform balance update transaction through any Add Value Machines (AVMs)/PoS terminals to write the amount on the card.

* NCMC cards of other banks will also get accepted in future as decided by Authority.

Old info -

LIVE PROJECTS Till 5th Feb, 2024 -​

Sr. NoTransit Operator NameModeType of ProjectAcquiring BankRuPay cards accepted
1Assam State Transport Corporation (ASTC)BusOpen loopYes BankAll NCMC certified banks
2Bangalore Metro Rail Corporation Limited (BMRCL)MetroOpen loopRBL BankAll NCMC certified banks
3Brihanmumbai Electricity Supply and Transport Undertaking (BEST)BusOpen loopYes BankAll NCMC certified banks
4Chennai Metro Rail Limited (CMRL)MetroOpen loopState Bank of IndiaAll NCMC certified banks
5Delhi Metro Rail Corporation (DMRC)MetroOpen loopPaytm Payments BankAll NCMC certified banks
6Gujarat Metro Rail Corporation Limited (GMRC)MetroOpen loopPaytm Payments BankAll NCMC certified banks
7Haryana RoadwaysBusOpen loopAU Small finance BankAll NCMC certified banks
8Kadamba Transport Corporation Limited (KTCL) (Goa Transport)BusOpen loopPaytm Payments BankAll NCMC certified banks
9Mumbai Metro One Private Limited (MMOPL) (Mumbai Metro 1) Reliance MetroMetroOpen loopPaytm Payments BankAll NCMC certified banks
10Mumbai Metropolitan Region Development Authority (MMRDA) Mumbai Metro Line 2A & 7MetroOpen loopState Bank of IndiaAll NCMC certified banks
11National Capital Region Transport Corporation (NCRTC)MetroOpen loopPaytm Payments BankAll NCMC certified banks
12Uttar Pradesh Metro Rail Corporation (UPMRC)MetroOpen loopState Bank of IndiaAll NCMC certified banks
13Noida Metro Rail Corporation Limited (NMRC)MetroClosed loopState Bank of IndiaState Bank of India
14Nagpur Metro Rail Corporation Limited (NMRCL)MetroClosed loopState Bank of IndiaState Bank of India
15Ahmedabad Janmarg Limited (Janmitra Bus)BusClosed loopICICI BankICICI Bank
16Surat BRTSBusClosed loopICICI BankICICI Bank
17Kochi Metro Rail Limited (KMRL)MetroClosed loopAxis BankAxis Bank
18Pune MetroMetroClosed loopHDFC BankHDFC Bank
19The Delhi–Meerut Regional Rapid Transit System (Delhi–Meerut RRTS)Rapid RailOpen loopPaytm Payments BankAll NCMC certified banks

Note - *NCMC cards of other banks will also get accepted in future as decided by Authority.
 
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Whole implementation of NCMC in India is flawed. Maintaining a separate wallet within the card for each metro/bus system for each city is annoying. On top of that, many executives at bus/metro stations don't know how to load NCMC card, and insists to use their own proprietary card. And honestly, those proprietary cards works better in most situations.

Singapore's metro has a much better system where tapping any NFC cc/dc completes the payment. When we can pay by tapping at shops, why not implement it for fare collection? IMO, it would be the most efficient use of tap-n-pay technology.
 
telescope said:
Whole implementation of NCMC in India is flawed. Maintaining a separate wallet within the card for each metro/bus system for each city is annoying. On top of that, many executives at bus/metro stations don't know how to load NCMC card, and insists to use their own proprietary card. And honestly, those proprietary cards works better in most situations.

Singapore's metro has a much better system where tapping any NFC cc/dc completes the payment. When we can pay by tapping at shops, why not implement it for fare collection? IMO, it would be the most efficient use of tap-n-pay technology.
Click to expand...
Wallet se karwayega tabhi toh jada lootega na 😂

By the way, Singapore's model is more convenient and it should function like that, acceptance from all card having contactless payment system.
 
#aniket said:
Wallet se karwayega tabhi toh jada lootega na 😂

By the way, Singapore's model is more convenient and it should function like that, acceptance from all card having contactless payment system.
Click to expand...
By loot you mean to say the unused funds lying in the NCMC wallet?
 
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telescope said:
Maintaining a separate wallet within the card for each metro/bus system for each city is annoying.
Click to expand...
So we need to recharge for each service created ? Isn't the wallet/ account common for all services created ? If it's a season ticket kind of a thing, then it's fine. For general everytime use they shouldn't ask for separate separate wallets.
 
007 said:
₹105 in my case. 😏
Click to expand...
AFAIK Offline Wallet money can be used anytime even when the CARD is not active.
That's why they mention in T&C that Offline wallet money can't be blocked(not responsible) while the card is lost and the wallet money can be used by anyone who holds it.
You can block the use of Debit card(Online) but not the Offline balance amount.
Limit of maximum 2000 balance is for that purpose only.
 
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rajcasio said:
AFAIK Offline Wallet money can be used anytime even when the CARD is not active.
That's why they mention in T&C that Offline wallet money can't be blocked(not responsible) while the card is lost and the wallet money can be used by anyone who holds it.
You can block the use of Debit card(Online) but not the Offline balance amount.
Limit of maximum 2000 balance is for that purpose only.
Click to expand...
True. Hence the extra loading/validation step is required to sync up online balance with offline wallet (given the terminals are offline so need to use AVM).
 
telescope said:
Whole implementation of NCMC in India is flawed. Maintaining a separate wallet within the card for each metro/bus system for each city is annoying. On top of that, many executives at bus/metro stations don't know how to load NCMC card, and insists to use their own proprietary card. And honestly, those proprietary cards works better in most situations.

Singapore's metro has a much better system where tapping any NFC cc/dc completes the payment. When we can pay by tapping at shops, why not implement it for fare collection? IMO, it would be the most efficient use of tap-n-pay technology.
Click to expand...
AFAIK, All NCMC systems work just like our India's NCMC system (load money to your offline wallet and use).

When India's NCMC system was being built, NPCI gave the example of Singapore and Hong Kong NCMC system.

NCMC like systems already exist world over: Oyster Card of London, Octopus Card of Hong Kong, EZI Card of Singapore, Nol Card of Dubai, PASMO card and SUICA card of Japan (or another is FeliCa develop by Sony), T-Union of China, Mondex of Canada, Chipknip of Netherlands, Geldkarte of Germany, Quick of Austria, Moneo of France, Proton of Belgium, Carta prepagata of Italy, SUBE card of Argentina, Touch ’n Go and MyRapid Card of Malaysia, Upass card of South Korea etc

Currently, India is also working to expand India's NCMC system to African and other Asian countries.
 
Abhishek012 said:
AFAIK, All NCMC systems work just like our India's NCMC system (load money to your offline wallet and use).

When India's NCMC system was being built, NPCI gave the example of Singapore and Hong Kong NCMC system.

NCMC like systems already exist world over: Oyster Card of London, Octopus Card of Hong Kong, EZI Card of Singapore, Nol Card of Dubai, PASMO card and SUICA card of Japan (or another is FeliCa develop by Sony), T-Union of China, Mondex of Canada, Chipknip of Netherlands, Geldkarte of Germany, Quick of Austria, Moneo of France, Proton of Belgium, Carta prepagata of Italy, SUBE card of Argentina, Touch ’n Go and MyRapid Card of Malaysia, Upass card of South Korea etc

Currently, India is also working to expand India's NCMC system to African and other Asian countries.
Click to expand...
Cannot comment on other country's AFC system, but in Singapore I used my regalia cc directly and it worked. There is a little surcharge over the usual fare if foreign card is used, but that's understandable. And for those travelling for few days, it's actually better than buying ez-link.

Singapore's AFC gates accept both online and offline cards.
 
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telescope said:
Cannot comment on other country's AFC system, but in Singapore I used my regalia cc directly and it worked. There is a little surcharge over the usual fare if foreign card is used, but that's understandable. And for those travelling for few days, it's actually better than buying ez-link.

Singapore's AFC gates accepts both online and offline cards.
Click to expand...
Ok, do you guys tried online payments here on any Indian metros ?
 
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