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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.
 
Last edited:
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srikant said:
I see that we can apply from BoBWorld app for it!

INR 100's kinda less, by BoB standards. They're charging INR 300+ taxes for my Platinum! I was in fact thinking of blocking it.

Btw this can be used at ATMs as well?
Click to expand...
The 100 rs one is the most basic card that BoB has. It's a proper debit card. You get it with Advantage Savings Account.
 
zephyr0 said:
Does anyone know if any Rupay CC (I've Tata Neu card) works as NCMC card, specifically on Bangalore metro?
Click to expand...
Recently, NPCI release a White paper about NCMC (actually, piche kuch saalo se USA pura pressure bana raha tha India pe, NCMC ka details share karne k liye, kuch time pahele he ek documents mere hath laga tha yuhi google search karte hue, USA roh raha tha. India ne NCMC ka details share nahi kiya ab tak). 🤣🤣

Anyway, NPCI k white paper me Credit card also mentioned there but i think currently you can directly use your CC on Metro AFC gates. No prepaid option available on RuPay Credit cards.
 
I heard that in some countries CREDIT CARD is accepted as payment for public transports even if the card has no balance left. If the amount is not received by the authority within a specific time then they will BLACKLIST the CC for further transactions.
 
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I have this SBI DEBIT CARD variant.
sbi ncmc.jpg

I got this few years ago when it was launched. Added 100 INR for testing purpose. I can't use that card because CHENNAI METRO didn't accepted NCMC then.
Does CHENNAI METRO accepts this card now?
 
I have PayTM's Transit Card and the most common issue is I cannot update the balance through the Kiosk in Delhi or Gurgaon Metro stations, I have to approach the PayTM's counter person to update the balance. Also only 1 or 2 exit or entry terminals accept Rupay Cards so that's another hassle. Other than that it has been smooth ride till now.
 
rajcasio said:
I have this SBI DEBIT CARD variant.
View attachment 33179

I got this few years ago when it was launched. Added 100 INR for testing purpose. I can't use that card because CHENNAI METRO didn't accepted NCMC then.
Does CHENNAI METRO accepts this card now?
Click to expand...
Your Card is activated for NCMC transaction ? you loaded on offline NCMC Wallet na ? balance updated from Metro counters ?

14-Apr-2023 - Chennai Metro Rail Limited (CMRL) said, “Soon, new RuPay NCMC cards that will be linked to bank accounts will be made available for commuters and it will function as a debit card and a wallet that can be used in transport systems. Commuters can go to the nearest bank branches and ask for RuPay cards that have NCMC facility.”

July 15, 2023 - Three months after its launch, commuters still cannot use the National Common Mobility Card (NCMC) for making payment at the parking lots of Chennai Metro Rail stations.

‘Machines to be upgraded’​

CMRL officials said efforts were on to allow payment by the common mobility card at the parking lot but the process had not been completed. “We are working to upgrade the machines in the parking lot so that they accept this card as well. It should be completed within a month’s time.”
 
@Abhishek012 I have added the wallet balance with SBI a/c (Internet banking). I couldn't find that wallet option in their YONO app. TBH i never tried that card in AFC nor enquired in CHENNAI METRO ticket counter.
 
Abhishek012 said:
I think ICICI RuPay debit card is not supported NCMC (not sure) but ICICI have some RuPay NCMC Prepaid cards.

Here ICICI Bank launches Namma Chennai Smart RuPay NCMC Contactless Card -

View attachment 26275

ICICI Janmitra Card (Ahmedabad Municipal Corporation)

View attachment 26276

ICICI Odyssey Card (Bhubaneswar Municipal Corporation and Bhubaneswar Smart City Limited)

View attachment 26279

ICICI Surat Money Card (Surat Municipal Corporation)

View attachment 26280
Click to expand...
The Odyssey card looks so 😍
 
Abhishek012 said:
You can use RuPay Platinum DC for 20% upto 100 off per month on mobile recharge/utility bill payment on Amazon. Today is friday use it.
Click to expand...
Plan to use tomorrow - do I need some Amazon app to do this? Or can I use it on Amazon website / or say Amazon Pay on some app and then put in Amazon creds to use Amazon payment?
 
srikant said:
Plan to use tomorrow - do I need some Amazon app to do this? Or can I use it on Amazon website / or say Amazon Pay on some app and then put in Amazon creds to use Amazon payment?
Click to expand...
You can use on Amazon app and Amazon website as well.

Note - offer valid only on fridays and minimum payment is Rs129.

Do mobile recharge or utility bill payment on Amaozn and you will get flat 20% off upto max 100 on Amazon payment page. Once discount is showing, go to card otp page and pay.

Also note - if your card otp page is not open then delete your saved card and try. You can also use multiple cards on same Amazon account.
 
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