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Clarification on RuPay NCMC

The list is the same from what it seems. I'm thinking of PNB platinum rupay credit card. If you have any recommendation, please share.
 
RuPay now have 2 types of NCMC Prepaid Cards -

RuPay NCMC Prepaid Cards -​


Apply for a RuPay Prepaid Card at the metro station and bus depot. This card can be used for transit and retail payments.

OR

Get a RuPay Prepaid MTS Card from instant dispensing machines or counters at the metro stations and bus depots. This is a ready to use card and can be used only for transit purpose.

RuPay Prepaid MTS Card live banks -

Airtel bank,
City union bank,
Ongo Wallet,
Orbit Wallet,
RBL Bank,
7 Ring,
SBI.
Any suggestions from SBI, HDFC, ICICI, Axis cards?? SBI showed that after top up, i would have to go to metro station to update the balance. Any card or method which does not require that??
 
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