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.

 

[Abhishek012]

Looks like a vanilla RuPay? 50xx ...

I got a 60xx debit card from Utkarsh Bank, which is said to be domestic only. Another pure RuPay?

Yes, RuPay Card BINs start with 508, 60, 81, 82 (accept on any RuPay network in India and outside India like Bhutan, Nepal, Singapore, UAE, Bahrain, Saudi Arabia, Maldives etc).

Cards front side written domestic only or Valid only in India but few banks already upgrade their system to accept globally on RuPay network.

RuPay Discover BINs start with 65 and RuPay JCB BINs start with 35.

 

[telescope]

How is the forex rate of rupay compared to visa/mc? (not talking about markup, just pure exchange rate)

 

[Abhishek012]

How is the forex rate of rupay compared to visa/mc? (not talking about markup, just pure exchange rate)

When you use RuPay global network then transactions are settled in Indian rupees. No currency exchange.

RuPay-JCB Global Card network currency exchange rate is better than visa/mc.

RuPay-Discover Global Card network - well, some people said best and some people said worst. Use it yourself and tell here.

 

[ashwinkashwink is verified member.]

When you use RuPay global network then transactions are settled in Indian rupees. No currency exchange.

RuPay-JCB Global Card network currency exchange rate is better than visa/mc.

RuPay-Discover Global Card network - well, some people said best and some people said worst. Use it yourself and tell here.

What about DCC 😜

 

[devine_mortal]

Am I right in understanding that only government banks are providing NCMC cards for now? (Paytm is an exception private entity)

Also, I heard that government officially tied up with paytm to provide ncmc cards via NaMo route stations. That means big changes coming to paytm NCMC card.

 

[suhasa010]

You can no more recharge Paytm transit card with a Rupay Credit Card btw. Only UPI and Paytm wallet options are available now.

 

[Abhishek012]

Am I right in understanding that only government banks are providing NCMC cards for now? (Paytm is an exception private entity)

Also, I heard that government officially tied up with paytm to provide ncmc cards via NaMo route stations. That means big changes coming to paytm NCMC card.

Paytm is a bank.

ICICI, Axis bank, HDFC bank, Yes bank, RBL bank also launched NCMC Prepaid RuPay Metro cards.

All metros, buses issue tender, if your bid is lowest, you will get the tender and you will be NCMC acquiring bank.

 

[srikant]

Quick question: if I get NCMC BoB debit card, and enable "tap-to-pay" on it, will I be able to use it in Bengaluru and Chennai Metros?

 

[Abhishek012]

Quick question: if I get NCMC BoB debit card, and enable "tap-to-pay" on it, will I be able to use it in Bengaluru and Chennai Metros?

Few people told online contactless also working but if you want to use NCMC transaction then first you need to load money on offline contactless wallet.

 

[kshitij_0]

Few people told online contactless also working but if you want to use NCMC transaction then first you need to load money on offline contactless wallet.

Virtual kaise mobile ke NFC se chalta hai?
Bina metro counter ya kahi jaye NCMC wallet activate karke usme balance load kaise kare?

 

[Abhishek012]

Virtual kaise mobile ke NFC se chalta hai?
Bina metro counter ya kahi jaye NCMC wallet activate karke usme balance load kaise kare?

Virtual philhal nahi chalta hai.

Metro counter jana he parega activate k liye. Baki kisi aur ko koi aur method pata hai toh bataye yaha.

 

[devine_mortal]

ICICI, Axis bank, HDFC bank, Yes bank, RBL bank also launched NCMC Prepaid RuPay Metro cards.

Oh. My understanding is that a NCMC card will work on all metros across India. Is that not the case? because I really can't find any such cards by the private banks. Yes, there are some specific cards for a state or city but nothing common.

 

[Abhishek012]

Oh. My understanding is that a NCMC card will work on all metros across India. Is that not the case? because I really can't find any such cards by the private banks. Yes, there are some specific cards for a state or city but nothing common.

NCMC card work everywhere, all metros, buses etc.

Private banks only issue RuPay NCMC Prepaid cards (Paytm bank RuPay NCMC card is also Prepaid wallet card).

Here few examples RuPay NCMC prepaid card launch by Private banks.

Pune Metro NCMC Prepaid Card issue by HDFC bank -

Axis Bank Kochi Metro RuPay NCMC prepaid card -

Axis bank Mumbai Metro One card, RuPay NCMC Prepaid Card available on Classic and Platinum variant -



Bangalore Metro (NAMMA Metro) RBL bank RuPay NCMC Prepaid Card -

Mumbai BEST Buses Yes bank Chalo Card, RuPay NCMC Prepaid Card -

LivQuik launch "7 Ring" (RuPay-On-The-Go + NCMC) -

 

[MoneyMaven]

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 tried using PNB Rupay Platinum NCMC Credit Card but it didn't worked. Has anyone got it working for them?

 

[devine_mortal]

Thanks @Abhishek012 . The examples you gave above are city specific cards, like hdfc for Pune metro, Axis for mumbai metro. Would these cards, for example, work in Delhi metro?

 

[Abhishek012]

Thanks @Abhishek012 . The examples you gave above are city specific cards, like hdfc for Pune metro, Axis for mumbai metro. Would these cards, for example, work in Delhi metro?

I think hdfc for Pune metro, Axis for mumbai metro is closed loop. I dnt know about latest update.

RBL for Bangalore Metro (NAMMA Metro) and Mumbai BEST buses Yes bank Chalo Card is NCMC card and work in Delhi metro.

We few more years all cards will work all metros in India.

 

[pxg]

Some facts I have learned so far:

• All NCMC cards need to be activated. This is a one time procedure that requires tapping at a NCMC terminal before you start your first trip and you do not need to activate it multiple times for different cities or services (metro/bus). Debit card NCMC activation is separate from regular debit card activation so you will need to go through the same procedure as prepaid NCMC cards for it. This activation cannot be done online, reason is the point below.
• NCMC cards use an offline wallet and they need to be tapped at a balance update terminal (which can either be self service or assisted by staff, depends on the system) if you load money to it online EVERY TIME.
• If you are entering a closed loop system such as a metro and want to update balance, you need to tap it either BEFORE you tap at the entry AFC or AFTER you tap it at the exit AFC, it will not work if you are between a trip. At least that is the case for Mumbai. The AFCs for NCMC do not have balance update facility as that procedure is online while the AFCs work offline.
• NCMC balance update or money load cannot be done at ticket counters for most metro lines. You need to find the specific NCMC terminal or visit the customer service desk. Hence, I recommend loading a large amount at once (e.g. 500 rupees).
• All newly constructed metro lines in India (inaugurated in the last 2 years or so) were built in mind with native NCMC support and usually do not support any other form of prepaid cards.
• Maximum balance you can hold in NCMC is ₹2000 (at least as of today). This is also the maximum limit per transaction if your card allows setting the maximum.
• One NCMC per person. You cannot tap it multiple times for multiple people. You might be able to use the same card for buying a ticket on some metro lines but will be a regular RuPay prepaid online transaction not NCMC. For most lines I would recommend using Paytm or their specific app to buy QR code tickets or cold hard cash cash if you have multiple passengers with you.
• A lot of the older lines have added NCMC support however the older system still remains the primary system (as there are lakhs of old cards issued). So for a lot of these older metro lines you have to specifically tap in and out at the designated AFC gates which have NCMC support. These gates were newly installed in the last couple of years only.
• Due to the above point, there will be some inconveniences. For Delhi metro, one major complaint is that you have to go to customer service desk for updating balance and that has a long queue. For Mumbai metro, I just use the self service balance update terminal on the new lines with no queue. This terminal is accessible between the security check and entry AFC gates. For chennai metro, parking is only available with the regular metro card and not NCMC.
• If it's a NCMC card it will have a RuPay logo. Chalo (for Mumbai buses) sells both regular cards and Chalo NCMC cards and they are NOT the same.
• All of the newly constructed metro lines have tied up with a bank (PSU or private), to make it easy for the regular junta to get a metro card. You do not need to go for that bank tie up/city branded card at all, all NCMC cards will work the same.
• All of the advertised discounts for the city branded metro card work for all NCMC cards so far. So 10% discount on Mumbai Metro during non peak hours is also applicable on Paytm transit card.
• Some services will charge MDR on the ticket price for NCMC. For example, Mumbai BEST buses (e.g., for a ₹6 ticket, ₹6.18 will be deducted). These tickets are really cheap and subsidized heavily so please do not cry about it.
• The PSU bank debit cards will have either a separate portal or an offline wallet load option in netbanking. It will not deduct from savings account as that is an online transaction.
• NCMC will EVENTUALLY work for all transit services but that is simply not the case as of today. Do not assume it will work on all buses and metros. I have yet to check if and when Mumbai Monorail or other Mumbai buses (MBMT/TMT) currently support/will support NCMC anytime soon.
• Minimum balance on NCMC cards is ₹50. If you go below this, there is a risk of getting fined. This is to cover the minimum ticket cost for most metros, sort of like a security deposit. So, in case you tap in and don't tap out they can still deduct the maximum ticket cost at the end of the day.
• There is no system for concessional fares/passes on NCMC cards as far as I can tell. Honestly, I am fine with it as most of these systems are heavily subsidized already.

I have faced trouble specifically with SBI RuPay JCB debit card only so far. No terminal so far is able to activate it for NCMC and I cannot load the offline wallet on this card as it has not been activated. Native RuPay and Rupay Discover might work just fine.

Overall, for Mumbai NCMC is really convenient as it is supported on all metro and BEST buses. The fact that it is offline means that you will not have to deal with apps (except for balance loading).

 

[pxg]

Current NCMC support list:

• Mumbai: All metro lines and BEST buses.
• Delhi NCR: All lines of Delhi Metro, Noida Metro and RRTS
• Bangalore: All metro lines
• Chennai: All metro lines
• Pune: All metro lines
• Nagpur: All metro lines
• Ahmedabad: All metro lines
• Kochi: All metro lines
• Kanpur: All metro lines
• Goa: KTC/Kadamba buses

Partial/Upgrade In Progress/Future:

• Delhi: All DTC buses (proposed)
• Hyderabad: All metro lines
• Gurgaon: Rapid Metro (unsure if NCMC is supported here)
• Mumbai: Local train tickets (proposed)
• Lucknow: All metro lines
• Navi Mumbai: All metro lines (upon opening) and NMMT buses (partial rollout right now)
• Surat: All metro lines (upon opening)
• Bhopal: All metro lines (upon opening), BCLL buses
• Indore: All metro lines (upon opening)
• Agra: All metro lines (upon opening)
• Jaipur: Metro and buses (was supposed to be launched 12 years ago for buses here, usual corruption)
• Pune: PMPL buses (RFP/MoU/tender issued)
• Chandigarh: CTU buses (RFP/MoU/tender issued)
• Haryana: Haryana Roadways buses (RFP/MoU/tender issued, partial rollout right now)
• Telangana: TSRTC buses (RFP/MoU/tender issued)
• Tamil Nadu: TNSTC buses (RFP/MoU/tender issued)
• Jammu and Kashmir: Srinagar/Jammu buses (RFP/MoU/tender issued)
• Rajasthan: RSRTC buses (RFP/MoU/tender issued)
• Kerala: KSRTC buses (RFP/MoU/tender issued)
• Assam: Partnership announced, no specific details
• PM bus e-Sewa (multiple cities): NCMC support expected

Non NCMC RuPay cards:

• Surat: Surat Money card for City bus/BRT (not advertised as NCMC anywhere, no NCMC logo on card)
• Bhubaneshwar: Odessey card, same as above. Some custom ICICI bank system it seems.

 

[MangoRush]

Quick question: if I get NCMC BoB debit card, and enable "tap-to-pay" on it, will I be able to use it in Bengaluru and Chennai Metros?

Didn't work for me on Bengaluru Metro. Said to contact Bank/Customer Care.

 

[pxg]

Didn't work for me on Bengaluru Metro. Said to contact Bank/Customer Care.

Just to clarify - Did it not work at the AFC or at the NCMC terminal/customer service desk?

AFC won't work unless the card is activated and has money in the offline wallet. So are you saying that they could not activate NCMC and load money on your card?