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

[Abhishek012]

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.

---

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 -



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.



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 -

---

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.



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):​

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

LIVE PROJECTS Till 5th Feb, 2024 -​

Sr. No	Transit Operator Name	Mode	Type of Project	Acquiring Bank	RuPay cards accepted
1	Assam State Transport Corporation (ASTC)	Bus	Open loop	Yes Bank	All NCMC certified banks
2	Bangalore Metro Rail Corporation Limited (BMRCL)	Metro	Open loop	RBL Bank	All NCMC certified banks
3	Brihanmumbai Electricity Supply and Transport Undertaking (BEST)	Bus	Open loop	Yes Bank	All NCMC certified banks
4	Chennai Metro Rail Limited (CMRL)	Metro	Open loop	State Bank of India	All NCMC certified banks
5	Delhi Metro Rail Corporation (DMRC)	Metro	Open loop	Paytm Payments Bank	All NCMC certified banks
6	Gujarat Metro Rail Corporation Limited (GMRC)	Metro	Open loop	Paytm Payments Bank	All NCMC certified banks
7	Haryana Roadways	Bus	Open loop	AU Small finance Bank	All NCMC certified banks
8	Kadamba Transport Corporation Limited (KTCL) (Goa Transport)	Bus	Open loop	Paytm Payments Bank	All NCMC certified banks
9	Mumbai Metro One Private Limited (MMOPL) (Mumbai Metro 1) Reliance Metro	Metro	Open loop	Paytm Payments Bank	All NCMC certified banks
10	Mumbai Metropolitan Region Development Authority (MMRDA) Mumbai Metro Line 2A & 7	Metro	Open loop	State Bank of India	All NCMC certified banks
11	National Capital Region Transport Corporation (NCRTC)	Metro	Open loop	Paytm Payments Bank	All NCMC certified banks
12	Uttar Pradesh Metro Rail Corporation (UPMRC)	Metro	Open loop	State Bank of India	All NCMC certified banks
13	Noida Metro Rail Corporation Limited (NMRC)	Metro	Closed loop	State Bank of India	State Bank of India
14	Nagpur Metro Rail Corporation Limited (NMRCL)	Metro	Closed loop	State Bank of India	State Bank of India
15	Ahmedabad Janmarg Limited (Janmitra Bus)	Bus	Closed loop	ICICI Bank	ICICI Bank
16	Surat BRTS	Bus	Closed loop	ICICI Bank	ICICI Bank
17	Kochi Metro Rail Limited (KMRL)	Metro	Closed loop	Axis Bank	Axis Bank
18	Pune Metro	Metro	Closed loop	HDFC Bank	HDFC Bank
19	The Delhi–Meerut Regional Rapid Transit System (Delhi–Meerut RRTS)	Rapid Rail	Open loop	Paytm Payments Bank	All NCMC certified banks

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

 

[Abhishek012]

ICICI Coral RuPay credit card didn't work in Bangalore metro. The folks there seem to be clueless about NCMC too. Not sure, may be language barrier (I don't know Kannada), was there for a few days.

AFAIK, ICICI RuPay debit/credit card is not enabled yet NCMC feature.

 

[kshitij_0]

AFAIK, ICICI RuPay debit/credit card is not enabled yet NCMC feature.

Bro which cards should be preferred for Metro Travel? Preferably CC. I have a lot of cards but none of the cards are activated.
My preferred target cities are Lucknow, Delhi, Mumbai, Bangalore, Kolkata.

 

[Harsha896]

Guys i am in Delhi today and want to use ncmc card for metro. I have a bob rupay debit card which has ncmc symbol. I went to the metro cc center and they said they activated from their side nd asked to check from bank side. How to check from bob? I see wallet balance as 0 for ncmc wallet in bob world app . How to put recharge the wallet?
Cc: @Abhishek012

 

[Abhishek012]

Guys i am in Delhi today and want to use ncmc card for metro. I have a bob rupay debit card which has ncmc symbol. I went to the metro cc center and they said they activated from their side nd asked to check from bank side. How to check from bob? I see wallet balance as 0 for ncmc wallet in bob world app . How to put recharge the wallet?
Cc: @Abhishek012

Metro cc center will load the balance.

I dnt know BOB currently have online load facility or not.

 

[denisjos]

Can 2 people use the same ncmc card assuming one follows to other to the entry gate.
From what I understand the card registers one entry point and then expects an exit point to follow. So if one uses it in a case as above how would the card comprehend the 2 users.

 

[TheGuy]

Can 2 people use the same ncmc card assuming one follows to other to the entry gate.

No.

From what I understand the card registers one entry point and then expects an exit point to follow. So if one uses it in a case as above how would the card comprehend the 2 users.

This understanding is correct. Read this in FAQ of some Transit Corp .

 

[Karthik:]

IOB has debit card number itself as wallet account number, Union Bank has saving account number with prefix R as wallet account number and Indian Bank has some random wallet account number. IOB's way of having wallet account number makes more sense as wallet account is valid only till card expiry (we can still use offline wallet balance already loaded in card but can't make further recharges) and each card will have separate wallets with respective card numbers. In other two ways of having wallet account number, think any new recharges will be reflected only in new card as there is no change in wallet account number. But when old card has balance, it can make some problem in balance sync in new card. It will be better to make further recharges only after finishing existing balance. This need not be the case in IOB's. Don't know how other banks determine wallet account numbers. But should be similar to either of these ways.

 

[Karthik:]

@Abhishek012 if possible, please add steps to enable wallet account in Rupay debit cards in your FAQs.
If your Debit Card is a personalized RuPay Contactless (NCMC) Debit Card, Rupay Wallet is already enabled on the card automatically.

If your Debit Card is an Insta (non-personalized) RuPay Contactless (NCMC) Debit Card, Please inform the branch to enable the RuPay wallet on your Debit Card.

One should ensure that wallet account is enabled as above before creating service with metro or other operators.

 

[its_karan]

Banks Live With RuPay NCMC Debit Cards -​

Yes is also there

 

[Abhishek012]

Yes is also there



View attachment 45170

Bro Contactless and NCMC offline wallet dono alag chiz hai.

More than 100+ banks already launched RuPay contactless cards.

As per latest RuPay circular - w.e.f 1st April, 2024, all RuPay debit/credit/prepaid cards issue only Contactless variant RuPay card (Except Gift-PPIs).

NCMC is different thing.

 

[dexvib]

Hi, could be a stupid question but do these AFC let us use our normal debit or credit card to deduct money and let us travel through metro? Are any particular networks (Rupay, VISA, etc.) are scoped to be used in such scenarios?

 

[Karthik:]

I dnt know where cashback amount will credited.

Recharge done. Indian Bank informed that cashback will be credited next month to NCMC wallet itself.

 

[Abhishek012]

Great News - Now Kyc is not required for RuPay NCMC Cards:

RuPay NCMC (National Common Mobility Card) can be issued with a limit of Rs 3,000 without any KYC as RBI eases rules

 

[Karthik:]

Great News - Now Kyc is not required for RuPay NCMC Cards:

RuPay NCMC (National Common Mobility Card) can be issued with a limit of Rs 3,000 without any KYC as RBI eases rules

Good move! This way unused cards can be recycled easily. We can give the card to anyone without any hassle just like the previous metro cards. It'll be easy for the operators to issue new cards as well.

 

[Abhishek012]

Single Acquirer bank hone se problem start ho gaya. Pahele he maine yaha comment me kaha tha multiple Acquirer banks hone chahiye.

"I have the State Bank of India (SBI) NCMC card issued from a Metro station on the red line of Mumbai Metro. This NCMC card is used by me frequently on the Mumbai Metro Line 1 (Blue line) for travelling to my workplace as this line runs from Versova to Ghatkopar. However, the card cannot be recharged in any of the Metro stations other than the stations falling on the red or yellow line. I was told by the customer support of Mumbai Metro Line 1 (blue line) that the specific card (SBI NCMC) that I have cannot be recharged by them. I can however use my SBI NCMC card in the blue and other line(s)," said Murchana Borthakur, a daily passenger in Mumbai Metro Line-1 to ET Wealth Online.

NCMC card users for metro travel issued by other banks also facing recharge glitches due to restriction on Paytm Payments Bank

National Common Mobility Card: An official spokesperson from Mumbai Metro One Private Limited (MMOPL) told: "Due to recent restrictions by RBI on Paytm (our earlier NCMC partner), recharging of NCMCards is temporarily not available. However, we have made necessary arrangements for acceptance of...

economictimes.indiatimes.com

 

[Lightron]

I have this SBI Mumbai Metro Prepaid NCMC Card:

It worked flawlessly across all Mumbai Metro Lines, BEST Buses, Bangalore Metro, etc. Plus it gives some 1-2 rupees discount on Mumbai Line 2 and Line 7 rides.

I have found recharging it to be a complete pain. It cannot be recharged at Line 1 stations. It cannot be recharged in BEST Buses. It can only be recharged at Line 2 or Line 7 stations using only cold hard cash. Multiple times multiple stations they have refused to accept anything but cash. If you want to pay online (UPI, card, netbanking), you can do it on this portal: https://transit.sbi/swift/customerportal?pagename=mmrda but then you have stand in a queue at the station to get recharge actually loaded in the card.

Have you actually tried it in a normal BEST bus? I have an this card plus a chalo card for bus. Would be great if I had to use only one of them.

 

[RadioactiveTabela]

Have you actually tried it in a normal BEST bus? I have an this card plus a chalo card for bus. Would be great if I had to use only one of them.

SBI Metro card works on BEST bus

 

[cardio_guy]

Axis Bank Kochi Metro Rupay card. There is card loading fee of 12. Additionally, it offers a 10% discount on the metro.

Yes, But Kochi metro is not in the network of Rupay NCMC. We need to use this Kochi1 card separate. (I mean other normal rupay debit cards won't work here)

 

[Abhishek012]

Yes, But Kochi metro is not in the network of Rupay NCMC. We need to use this Kochi1 card separate. (I mean other normal rupay debit cards won't work here)

Kochi Metro RuPay Card is currently Closed loop card. Hope they will upgrade to open loop RuPay NCMC system within a few years.

 

[cardio_guy]

Kochi Metro RuPay Card is currently Closed loop card. Hope they will upgrade to open loop RuPay NCMC system within a few years.

yes, Either Kochi Metro should accept all Rupay NCMC cards, or they should include the Kochi1 Axis card in the NCMC network.
Currently, this being a prepaid card, not sure if either of these will work.