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.

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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.

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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

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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 -

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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.

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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

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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. No	Transit Operator Name	Mode	Exclusive/Non-Exclusive	Acquiring Bank	RuPay cards accepted	Payments options available at stations to load NCMC	NCMC functionality
1	Assam State Transport Corporation (ASTC)	Bus	Non-Exclusive	Yes Bank	All NCMC certified banks	Cash	Balance Check, Balance Update
2	Bangalore Metro Rail Corporation Limited (BMRCL)	Metro	Non-Exclusive	RBL Bank	All NCMC certified banks	Cash,UPI,Any Debit/Credit/Prepaid cards	Balance Check, Balance Update
3	Brihanmumbai Electricity Supply and Transport Undertaking (BEST)	Bus	Non-Exclusive	Yes Bank	All NCMC certified banks	Cash	Balance Check, Balance Update
4	Chennai Metro Rail Limited (CMRL)	Metro	Non-Exclusive	State Bank of India	All NCMC certified banks	Cash,Any Debit/Credit/Prepaid cards	Balance Check, Balance Update
5	Delhi Metro Rail Corporation (DMRC)	Metro	Non-Exclusive	Airtel Payments Bank	All NCMC certified banks	Cash,UPI,Any Debit/Credit/Prepaid cards	Balance Check, Balance Update
6	Gujarat Metro Rail Corporation Limited (GMRC)	Metro	Non-Exclusive	Airtel Payments Bank	All NCMC certified banks	Cash,UPI,Any Debit/Credit/Prepaid cards	Balance Check, Balance Update
7	Haryana Roadways	Bus	Non-Exclusive	AU Small finance Bank	All NCMC certified banks	UPI,Any Debit/Credit/Prepaid cards	Balance Check, Balance Update
8	Kadamba Transport Corporation Limited (KTCL) (Goa Transport)	Bus	Non-Exclusive	Airtel Payments Bank	All NCMC certified banks	Cash,UPI,Any Debit/Credit/Prepaid cards	Balance Check, Balance Update
9	Mumbai Metro One Private Limited (MMOPL) (Mumbai Metro 1) Reliance Metro	Metro	Non-Exclusive	Airtel Payments Bank	All NCMC certified banks	Not Available	Not Available
10	Mumbai Metropolitan Region Development Authority (MMRDA) Mumbai Metro Line 2A & 7	Metro	Non-Exclusive	State Bank of India	All NCMC certified banks	Cash,UPI,Any Debit/Credit/Prepaid cards	Balance Check, Balance Update
11	National Capital Region Transport Corporation (NCRTC)	Metro	Non-Exclusive	Airtel Payments Bank	All NCMC certified banks	Cash,UPI,Any Debit/Credit/Prepaid cards	Balance Check, Balance Update
12	Uttar Pradesh Metro Rail Corporation (UPMRC)	Metro	Non-Exclusive	State Bank of India	All NCMC certified banks	Cash,UPI,Any Debit/Credit/Prepaid cards	Balance Check, Balance Update
13	Noida Metro Rail Corporation Limited (NMRC)*	Metro	Exclusive	State Bank of India	State Bank of India	Cash,UPI,Any Debit/Credit/Prepaid cards	Balance Check, Balance Update
14	Nagpur Metro Rail Corporation Limited (NMRCL)*	Metro	Exclusive	State Bank of India	State Bank of India	Cash,UPI,Any Debit/Credit/Prepaid cards	Balance Check
15	Ahmedabad Janmarg Limited (Janmitra Bus)*	Bus	Exclusive	ICICI Bank	ICICI Bank	Cash,UPI,Any Debit/Credit/Prepaid cards	Balance Check
16	Surat BRTS*	Bus	Exclusive	ICICI Bank	ICICI Bank	Cash,UPI,Any Debit/Credit/Prepaid cards	Balance Check
17	Kochi Metro Rail Limited (KMRL)*	Metro	Exclusive	Axis Bank	Axis Bank	Cash,UPI,Any Debit/Credit/Prepaid cards	Balance Check
18	Pune Metro*	Metro	Exclusive	HDFC Bank	HDFC Bank	Cash,UPI,Any Debit/Credit/Prepaid cards	Balance 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.

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Old info -

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.

 

[Lobogris]

Don't compare India with London/UK.

India was not always an independent country.

India envisioned the NCMC (National Common Mobility Card) in 2006, but Visa and Mastercard refused to support it at that time.

Later, the RuPay card NCMC project started in 2016.

At that time, it was also realized that the AFC (Automatic Fare Collection) gates were from Western countries.

If Western countries imposed sanctions on India, our metro system would come to a halt.

India developed its own AFC system while RuPay was working on the NCMC in the background.

Now that all systems are ready, the problem is:

Replacing all existing metro AFC gates is costing crores of rupees.

On the other hand, it’s also taking time for all banks to go live on the NCMC system.

Five years ago, RuPay started the Tap & Pay project with Google Pay, which was completed last month.

Another thing is that India adopted offline wallet metro payments like China, Japan, etc., because most people here travel by metro, bus, and train.

During rush hours, online contactless payments cannot handle the load.

For the NCMC, NPCI has organized several hackathons and ideathons to find solutions to all the problems and challenges.

I believe that all NCMC-related problems in India should be resolved by 2030.

Always remember: "The best time to plant a tree was 20 years ago. The second best time is now."

I don’t think all this is correct. Contactless payments do handle heavy loads. London Underground carries way more people and most use them. It’s most likely due to the fact that credit card penetration is very low in India compared to developed countries and even debit cards or banks accounts are not ubiquitous (used by everyone). A poor labourer or guard might not know how to check and maintain balance in his savings account and to handle debit card payments. Imagine people arguing with metro staff about wrong deductions or claiming they have balance in their accounts. That’s probably why an offline prepaid card system was chosen. Otherwise, what prevents India from allowing all Rupay credit and debit cards to be used in an online manner without the need for any separate wallet or recharge? Yes, it is costly to replace all fare gayes and that’s why I suggested that as a start at least one or two could be made available at most stations along with signage. Our metro systems are world class and we should strive to incorporate latest technology.

 

[Abhishek012]

I don’t think all this is correct. Contactless payments do handle heavy loads. London Underground carries way more people and most use them. It’s most likely due to the fact that credit card penetration is very low in India compared to developed countries and even debit cards or banks accounts are not ubiquitous (used by everyone). A poor labourer or guard might not know how to check and maintain balance in his savings account and to handle debit card payments. Imagine people arguing with metro staff about wrong deductions or claiming they have balance in their accounts. That’s probably why an offline prepaid card system was chosen. Otherwise, what prevents India from allowing all Rupay credit and debit cards to be used in an online manner without the need for any separate wallet or recharge? Yes, it is costly to replace all fare gayes and that’s why I suggested that as a start at least one or two could be made available at most stations along with signage. Our metro systems are world class and we should strive to incorporate latest technology.

London metros, most people use there Oyster cards.

Oyster cards also use offline contactless wallet.

London's Oyster card holds a preloaded balance that is deducted as you travel. The card reader checks and updates the balance when tapped in and out. The fare is calculated based on the journey details, and the correct amount is deducted automatically. Although transactions occur offline, the card's data is occasionally synced with central systems when you top up at a station, use the Transport for London (TfL) website, or use a ticket machine. This helps keep your balance updated across different points of usage.

RuPay NCMC create a travel payment ecosystem like 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

 

[Abhishek012]

Put all the links.

Video kahi bhula gaya but jaha tak yaad tha BOB world app se hoga.

But AFAIK, only NFC phone se he hoga update shayad.

 

[Aniket]

Video kahi bhula gaya but jaha tak yaad tha BOB world app se hoga.

But AFAIK, only NFC phone se he hoga update shayad.

Dependency la diya isme bhi🤣 TPAP mein bhi integrate kar de na ye🤣

Naan bilkul NFC enabled mein hi hoga NPCI bhi announce kara hai 🤭
NFC phone hai 😅

 

[Aniket]

@Abhishek012 Ye miss ho gaya 😅

 

[Abhishek012]

@Abhishek012 Ye miss ho gaya 😅
View attachment 68097

Kya miss ho gaya, banks apna he time se chalta hai.

Sirf kuch private bank cards he shayad NCMC enabled nahi hai ab tak. Kuch saalo me ho jana chahiye.

 

[Aniket]

Kya miss ho gaya, banks apna he time se chalta hai.

Reply karna/ prakash daalna 🤭

Sirf kuch private bank cards he shayad NCMC enabled nahi hai ab tak. Kuch saalo me ho jana chahiye.

Kuch hi😅?

Kuch chorke baaki pvt banks ka name bataiye jiska sab card NCMC enabled ho?

 

[Abhishek012]

Reply karna/ prakash daalna 🤭

Kuch hi😅?

Kuch chorke baaki pvt banks ka name bataiye jiska sab card NCMC enabled ho?

Aa jayega sab kuch saalo me.

 

[Abhishek012]

Instant ongo physical card launched at several metro stations.

Post in thread 'Ongo RuPay Card | Axis Atlas & Other Credit Card Reward + 1.5% off Amazon gv, 2.5% off Flipkart gv etc'

Sep 18, 2024

Instant ongo physical card launched at several metro stations, still not sure how it's beneficial for us 😂

• RupayMan

• 

 

[CCgeek]

Was finally able to load NCMC balance on the PNB Rupay debit card. Using debit card as NCMC is a great relief.

 

[irohitpragya]

Was finally able to load NCMC balance on the PNB Rupay debit card. Using debit card as NCMC is a great relief.

hi i am not able to do that. i have pnb international rupay debit card. checked last week.

 

[Abhishek012]

hi i am not able to do that. i have pnb international rupay debit card. checked last week.

All PNB RuPay debit cards are now NCMC supported but cards issued after April 2022 will only support the NCMC feature.

 

[irohitpragya]

All PNB RuPay debit cards are now NCMC supported but cards issued after April 2022 will only support the NCMC feature.

Don't know bro. I checked my pnb palash debit card it didn't worked a week ago.

 

[dealminer]

Is there any nfc enabled NCMC card available till date?

 

[Abhishek012]

Is there any nfc enabled NCMC card available till date?

All RuPay NCMC Cards are NFC enabled. Without NFC you can't pay through contactless payment. 😀😀

 

[dealminer]

All RuPay NCMC Cards are NFC enabled. Without NFC you can't pay through contactless payment. 😀😀

Means can be integrated in gpay and other apps? Don't wish to carry cards

 

[Esmail]

Means can be integrated in gpay and other apps? Don't wish to carry cards

No, currently that feature isn't available but they are releasing wearables like bracelets, smartwatch, keychain etc with the NCMC NFC chip embedded so that it can be used to tap on the AFC gate instead of the card. They plan to have machines vending these wearables at the metro station so u can buy them on the go and recharge and start using them.

 

[vine]

No, currently that feature isn't available but they are releasing wearables like bracelets, smartwatch, keychain etc with the NCMC NFC chip embedded so that it can be used to tap on the AFC gate instead of the card. They plan to have machines vending these wearables at the metro station so u can buy them on the go and recharge and start using them.

So, they want us to buy and use new junk, instead of allowing us to use our present junk.

 

[CCgeek]

hi i am not able to do that. i have pnb international rupay debit card. checked last week.

Activation involves two step process one is loading NCMC balance through PNB banking app and activating the NCMC feature at your nearest metro station. Once the officials at metro station activate NCMC feature only then the scanners will be able to identify the NCMC balance.

I had to try at two different metro stations as the first station official were not aware about activation.

 

[Abhishek012]

Delhi-Meerut RRTS: Namo Bharat Airtel Bank NCMC RuPay Card launched​

A

Thread 'Delhi-Meerut RRTS: Namo Bharat Airtel Bank NCMC RuPay Card launched'

Oct 4, 2024

Delhi-Meerut RRTS: Namo Bharat Airtel Bank NCMC RuPay Card launched:​

Airtel Payments Bank has collaborated with NCRTC (National Capital Region Transport Corporation) to launch co-branded National Common Mobility Cards (NCMC). These cards, designed to enhance passenger convenience, include Debit, Prepaid, and Prepaid Payment Instruments for Mass Transit Solutions (PPI-MTS) options. "Exclusively issued by Airtel Payments Bank, these NCMC cards aim to streamline the travel experience for millions of commuters on Namo Bharat trains," Airtel Payments Bank said on...

• Abhishek012
• airtel bank bus credit card metro ncmc rupay rupay card upi visa
• Replies: 2
• Forum: Finance World News

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