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.

Update - If you guys have NFC Android phone then just download the Chalo app and update your NCMC Card offline balance anytime -

Location Doesn't matter just choose Mumbai to see the card option and thereafter just check/update/activate as required. It doesn't matter which bank NCMC card you have.

E

Post in thread 'Clarification on RuPay NCMC'

Jan 11, 2025

You can use Chalo app from the Playstore to check and update your NCMC balance using NFC-enabled smartphone. I tried this with my RBL credit card.

• electronx7

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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.

 

[Aniket]

Tou ab mai metro me use krskta hu ise?
Aur koi step tou nhi krna na?

₹1 toh usable hai IG...

Kuch aur amount add karke balance update karne ka praysh karye Chalo se.. ₹1 toh kahe ka fare nahi hoga 🤣

Haan aur kuch nahi karna hai, bal update ke awlaya, directly kaam karna chahiye

 

[ayush2635]

₹1 toh usable hai IG...

Kuch aur amount add karke balance update karne ka praysh karye Chalo se.. ₹1 toh kahe ka fare nahi hoga 🤣

Haan aur kuch nahi karna hai, bal update ke awlaya, directly kaam karna chahiye

Thanks for the information

 

[ashwinkashwink is verified member.]

This Yes Bank ACE RuPay Credit Card has NCMC symbols

 

[quino]

This Yes Bank ACE RuPay Credit Card has NCMC symbols View attachment 81068

at the bottom, did they seriously mention Dezire India Haryana vehicle number?

 

[Lordkk]

@Abhishek012 Just found out Visa and Mastercard also support NCMC. 😀

 

[Abhishek012]

@Abhishek012 Just found out Visa and Mastercard also support NCMC. 😀

View attachment 81081

Old news, except few cards k, live nahi hua hai.

RuPay NCMC is Interoperable, any card network can use NCMC service, if they want.

 

[Abhishek012]

This offer is still running right ?

 

[warrior]

Anyone knows how to load State bank NCMC card using credit card? I tried Airtel, SBI Unipay, Bharat Connect and PhonePe. All have Debit and UPI only

 

[Abhishek012]

Anyone knows how to load State bank NCMC card using credit card? I tried Airtel, SBI Unipay, Bharat Connect and PhonePe. All have Debit and UPI only

RuPay CC UPI not working ?

 

[warrior]

RuPay CC UPI not working ?

Don't have any. I have SBI cashback card. Need to use that

 

[electronx7]

Anyone knows how to load State bank NCMC card using credit card? I tried Airtel, SBI Unipay, Bharat Connect and PhonePe. All have Debit and UPI only

You can recharge your SBI NCMC card on SBI's transit portal using any debit or credit card, but you need to create an account first.
Website: transit.sbi

 

[warrior]

You can recharge your SBI NCMC card on SBI's transit portal using any debit or credit card, but you need to create an account first.
Website: transit.sbi

Thanks will check it

Edit: There is no option for Credit card

 

[warrior]

Post needs to be updated regarding credit card

 

[noidea]

All these cards are useless for daily commute unless you have no other option but to use it.

For daily travellers in a metro, it's best to use the local metro card as it often has better offers plus no fee. Given you maintain a minimum balance in the card, the loss of the same will only set you back 50-100 rupees or so.

For occasional travels, most metro systems are equipped with QR Code scanners which are again very convenient to use.

Why I hate Rupay NCMC as of now:

- Some cards have shi77y online recharge experience (SBI NCMC recharge portal for example)
- The balance is not deducted from my Rupay Card! (why can't I set it to auto-refill Offline balance for balance below 50 rupees or so) (Attached RBI Notification)
- Old AVMs (Add Value Machines) are not compatible. You have to wait in queue at CSK/CSDs (Customer Service/Seva Kiosks/Desks) to get the balance updated.
- Screw this, just use Tap to Pay! Most phones and cards have contactless. Metro terminals can be enabled with cabled internet. Bus/other mobile terminals can do delayed charging (just like airlines charge your card once you touch down) in case there's low signal. Just compensate Visa/Mastercard to make MDR zero or force them.

 

[warrior]

All these cards are useless for daily commute unless you have no other option but to use it.

For daily travellers in a metro, it's best to use the local metro card as it often has better offers plus no fee. Given you maintain a minimum balance in the card, the loss of the same will only set you back 50-100 rupees or so.

For occasional travels, most metro systems are equipped with QR Code scanners which are again very convenient to use.

Why I hate Rupay NCMC as of now:

- Some cards have shi77y online recharge experience (SBI NCMC recharge portal for example)
- The balance is not deducted from my Rupay Card! (why can't I set it to auto-refill Offline balance for balance below 50 rupees or so) (Attached RBI Notification)
- Old AVMs (Add Value Machines) are not compatible. You have to wait in queue at CSK/CSDs (Customer Service/Seva Kiosks/Desks) to get the balance updated.
- Screw this, just use Tap to Pay! Most phones and cards have contactless. Metro terminals can be enabled with cabled internet. Bus/other mobile terminals can do delayed charging (just like airlines charge your card once you touch down) in case there's low signal. Just compensate Visa/Mastercard to make MDR zero or force them.

Only reason I got this card is for MTC buses, no more searching or need to carry change for bus ticket, we can simply tap and pay for ticket. For metro trains, we already have one card but, it'll be depreciated after Q1 of this year. So, Any way i had to get this card.

 

[electronx7]

Thanks will check it

Edit: There is no option for Credit cardView attachment 83332

Credit Card option showing for me

 

[warrior]

Credit Card option showing for me

Chennai metro don't allow credit card or credit on UPI. Confirmed with support

 

[Abhishek012]

Credit Card option showing for me

Chennai Metro does not accept credit cards but Mumbai Metro (MMRDA) accept Credit Card.

However, if you have SBI Mumbai Metro (MMRDA) card, you can also use it in Chennai Metro.

@warrior

 

[Aniket]

Chennai Metro does not accept credit cards but Mumbai Metro (MMRDA) accept Credit Card.

However, if you have SBI Mumbai Metro (MMRDA) card, you can also use it in Chennai Metro.

@warrior

Yes, because CMRL has non exclusive arrangment, means any NCMC card can be used there, doesn't matter who is the issuer.

 

[Abhishek012]

All these cards are useless for daily commute unless you have no other option but to use it.

For daily travellers in a metro, it's best to use the local metro card as it often has better offers plus no fee. Given you maintain a minimum balance in the card, the loss of the same will only set you back 50-100 rupees or so.

For occasional travels, most metro systems are equipped with QR Code scanners which are again very convenient to use.

Why I hate Rupay NCMC as of now:

- Some cards have shi77y online recharge experience (SBI NCMC recharge portal for example)
- The balance is not deducted from my Rupay Card! (why can't I set it to auto-refill Offline balance for balance below 50 rupees or so) (Attached RBI Notification)
- Old AVMs (Add Value Machines) are not compatible. You have to wait in queue at CSK/CSDs (Customer Service/Seva Kiosks/Desks) to get the balance updated.
- Screw this, just use Tap to Pay! Most phones and cards have contactless. Metro terminals can be enabled with cabled internet. Bus/other mobile terminals can do delayed charging (just like airlines charge your card once you touch down) in case there's low signal. Just compensate Visa/Mastercard to make MDR zero or force them.

The minimum recharge amount etc is decided by the Metro department and acquirer banks.

RuPay NCMC has nothing to do with it. If I’m not wrong, some Metros allow a minimum recharge of ₹10 or ₹20 on NCMC.

The minimum balance required is also decided by the Metro department and acquirer banks. RuPay NCMC has nothing to do with it.

SBI RuPay NCMC and Airtel RuPay NCMC are already live on BBPS. Just yesterday, I saw that HDFC RuPay NCMC Pune Metro has also gone live on BBPS.

In the next 2-3 years, online recharge for all NCMC cards will be available on all apps and offline channels/kiosks etc.

All metros worldwide operate using offline wallet payments.

Online Tap & Pay cannot handle peak hours, the issue is not with the metro terminals can be enabled with cabled internet. The problem is that bank servers go down frequently.

In Asia, Europe, the Middle East, etc 90% of metro users used offline wallet payments.

Visa/Mastercard Tap & Pay is mostly used by foreigners in Metro and a very limited number of people in Metros.

And the example you gave "airlines charge your card once you touch down" that technology is already live for RuPay cards as well in Flights, Hotel booking, Hospitals, Car rentals, Railways, Cab booking etc.

But Metros keep all this as a last option.

It's easy to implement these things in a small population.

For a large population, solutions are designed on a large scale to address problems effectively.

In India, banks and the Metro department handle these things.

In countries where a large population travels by metro, offline NCMC-type payments are used and that is the best solution.

India’s NCMC is an indigenous technology, It has been built from scratch, which is why updates are coming gradually, step by step.

Some African and Asian countries are also interested to implement India’s NCMC technology in their metro systems.

Anyway, in the end, I’ll just say that few things aren’t understood by people on day one.

Visa and Mastercard have been around for 60+ years but older Americans were completely confident in their younger days that Visa/Mastercard would never succeed. That’s why they never used them and ironically, those same people often fell victim to scammers.

Any technology in its 1st generation is always bad/worst,
2nd generation is ok,
3rd generation becomes usable/decent,
and 4th generation reaches the best category.

When UPI was in the development stage around 2015, I told my friends about it, but they didn’t understand.

Oh yeah, I just remembered—Congress party members also didn’t understand it. You must have heard what their ministers said in Parliament back then.