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]

Here everything explain about RuPay NCMC Cards -

 

[Abhishek012]

Here everything explain about RuPay NCMC Cards -

I didn't watch the full video but 2 important things i watched.

Customers will soon activate the card without visiting the Metro counters etc, everything will be online. AFAIK, its already live on few banks right ?

2nd thing, NCMC is currently not open for retail payments but NPCI plans to expand NCMC to retail payments in the future.

 

[Aniket]

Here everything explain about RuPay NCMC Cards -

17: 30 - 20:05, anyone, having Rupay Card can confirm this. Are you able to use your existing card as NCMC said in this time frame, loaded the money through online channel or offline?

Also, if NCMC doesn't give discount as operator's existing card, like DMRC Smart give to their cardholder 10-20%. Why most of us will use it?

Not only this, money have to be funded through operator in case of offline txn and updation through operator terminal is required in case of online txn, a bit inconvenient method, even the same point was used to criticize the existing technology for Transit.

Ignored, funding through NFC of TPAP as it was a question and yet to be clarified and implemented.

@Abhishek012 @SSV @VISHESH_BANSAL & others..., especially memebers from metro cities.

 

[VISHESH_BANSAL]

17: 30 - 20:05, anyone, having Rupay Card can confirm this. Are you able to use your existing card as said in this time frame, loaded the money through online channel or offline?

Also, if NCMC doesn't give discount as operator's existing card, like DMRC Smart give to their cardholder 10-20%. Why most of us will use it?

Not only this, money have to be funded through operator in case of offline txn and updation through operator terminal is required in case of online txn, a bit inconvenient method, even the same point was used to criticize the existing technology for Transit.

@Abhishek012 @SSV @VISHESH_BANSAL & others..., especially memebers from metro cities.

I will Prefer to use DMRC Metro Card over NCMC.😂

 

[Abhishek012]

17: 30 - 20:05, anyone, having Rupay Card can confirm this. Are you able to use your existing card as said in this time frame, loaded the money through online channel or offline?

Also, if NCMC doesn't give discount as operator's existing card, like DMRC Smart give to their cardholder 10-20%. Why most of us will use it?

Not only this, money have to be funded through operator in case of offline txn and updation through operator terminal is required in case of online txn, a bit inconvenient method, even the same point was used to criticize the existing technology for Transit.

@Abhishek012 @SSV @VISHESH_BANSAL & others..., especially memebers from metro cities.

Delhi Metro already offer same discounts on NCMC cards na ?

Delhi Metro NCMC Discount Offer: 10% discount in Peak hours and 20% discount in non-peak hours. + recently launched extra offer from bank side -

Get 100 cashback on every Rs500 topup your RuPay NCMC Debit card Wallet, Offer valid for only 3 months and cashback will be processed on a monthly basis by the banks.

 

[quino]

Delhi Metro already offer same discounts on NCMC cards na ?

Delhi Metro NCMC Discount Offer: 10% discount in Peak hours and 20% discount in non-peak hours. + recently launched extra offer from bank side -

Get 100 cashback on every Rs500 topup your RuPay NCMC Debit card Wallet, Offer valid for only 3 months and cashback will be processed on a monthly basis by the banks.

i have a couple of queries,

1. can the loaded amount on wallet be transferred back to bank acc?
2. if i load amount in delhi metro counter, can i use the same balance in blr metro?

@Abhishek012

 

[Aniket]

I will Prefer to use DMRC Metro Card over NCMC.😂

D I S C O U N T 😁

 

[Aniket]

Delhi Metro already offer same discounts on NCMC cards na ?

Delhi Metro NCMC Discount Offer: 10% discount in Peak hours and 20% discount in non-peak hours. + recently launched extra offer from bank side -

Get 100 cashback on every Rs500 topup your RuPay NCMC Debit card Wallet, Offer valid for only 3 months and cashback will be processed on a monthly basis by the banks.

I have two Rupay Card, one Dr and another Cr. from IDFC & Kotak respectively, both are not not live for NCMC. 😂

What can be done?

Have you watched the time frame of that video, I had quoted, i.e: 17:30 - 20:05.

 

[Aniket]

I will Prefer to use DMRC Metro Card over NCMC.😂

Why it's so, if dis is given/ will be given same as like DMRC Smart Card?😁

 

[Aniket]

i have a couple of queries,

1. can the loaded amount on wallet be transferred back to bank acc?

Not answered in the video itself.😞

I feel it should be transferred since it acts as a wallet or pre-paid card, but considering the existing card system where such facility is not available before the closure of the card, i doubt it.

2. if i load amount in delhi metro counter, can i use the same balance in blr metro?

@Abhishek012

Yes, this is why, NCMC built.

 

[VISHESH_BANSAL]

Why it's so, if dis is given/ will be given same as like DMRC Smart Card?😁

NCMC Card lene ke liye New Bank Account open karna padega😂

Phir uska recharge bhi sirf Bank Account se Hoga😂

Phir Recharge ko Toup Karwao Line m khade hoke, waise hi itni Garmi hai upar se line m lago🤣

 

[Aniket]

NCMC Card lene ke liye New Bank Account open karna padega😂

Kyu bro? Aapke pass pehle se Rupay card nahi hai kya? Kaunsi banks ka hai aapke pass, live toh hoga hi if PSU hai toh ....

Phir uska recharge bhi sirf Bank Account se Hoga😂

Nahi recharge online bank se ya counter se bhi ho sakta hai ...lekin wahi hai line wali baat 😂

AVM jitna convenient nahi...ye point dalke criticise kara hai speaker lekin khud yehe system daal rakha hai NCMC
mein 😂

Itna jhanjhat kar rakha hai aayesa systems nahi laa sakta hai kya MB ya TPAP mein virtually linked karke rakhe and NFC ke through entry/ exit ya baaki ka txn ho...and directly paisa jama jo without going to counter 😂

Phir Recharge ko Toup Karwao Line m khade hoke, waise hi itni Garmi hai upar se line m lago🤣

Haan ye alag dikaat hai 😂

 

[VISHESH_BANSAL]

Kyu bro? Aapke pass pehle se Rupay card nahi hai kya? Kaunsi banks ka hai aapke pass, live toh hoga hi if PSU hai toh ....

Phle nhi thha.
Abhi sirf Canara Rupay Select hai jo live hai. Woh bhi close karduga . FYF hai , FY ke Benifits leke close🤣

 

[Abhishek012]

NCMC me abhi bahot se upgradation hoga, new new feature add hoga. Sab kuch online bhi ho jayega.

Mujhe jaha tak lagta hai main rukawat Metro ka khud ka Tender nikalne se lekar AFC gate ko replace karne tak hai.

Jitna jaldi yeh sab ho jayega utne jaldi NCMC expand karega and saare new features add ho jayega.

Ground level par he kam bahot slow chalta hai.

Wohi wali baat yaad aa jata hai “The best time to plant a tree was 20 years ago. The second best time is today.”

2015-2016 me RuPay qSPARC Card ka project start hua tha. Toh pakka 20 years baad 2035-2036 me hume NCMC pure India me ache se kam karte hue dekhege, halaki tab bhi expand karte rahega but ustime tak ek acha khasa market share ko grab kar lega NCMC.

UPI me bhi NCMC la de NFC se toh aur best rahega.

 

[its_karan]

Also, if NCMC doesn't give discount as operator's existing card, like DMRC Smart give to their cardholder 10-20%.

Confirmed?

Why most of us will use it?

My 2 cents

• Once you get the card at the 100 CAC of Banks its no going back. You are locked into their system as user behaviour> switching DMRC and NCMC cards. Plus Banks are getting free new CASA at relatively far lower cost.
• New fancy thus more crowd.
• One thing is if you lose your DMRC card, the loss is limited(SD and topup). Once its NCMC enable DC or CC, loss is not limited and more vigilance is required, you have to block it immediately. New tension in case you are old aged person who comes home and checks the card is missing/lost.

I will Prefer to use DMRC Metro Card over NCMC.😂

Wahi

Amazon Pay load and recharge at AVM

Simple yet more rewarding

Yet people ignore

17: 30 - 20:05

Why

yet

Sapna bhi na dekhu ab

 

[TheGuy]

I had Paytm NCMC- worked flawlessly.
Now got PSU Rupay and it has NCMC Wallet. Recharged 300, and then went to update balance at CS Desk. It says 'service creation failed'.
CS says to go to bank. Don't have time for that. Overall would not recommend as of now.

Use native DMRC metro card, much better.

 

[quino]

Recharged 300, and then went to update balance at CS Desk

can't we do this at the same desk? just asking for info

 

[TheGuy]

can't we do this at the same desk? just asking for info

we absolutely can.
for more info- on day 1 CS said card not activated- he will activate. Same time I asked for (more) physical recharge- he was like, activation would take time- try next day.

Next day- again, card not active. CS says- turn on NFC etc, I do.

Next Next Day- again, card not working. contact bank.

I believe, one MAY have better experience if buying NCMC Card from Bank affiliated with metro system, eg: earlier it was paytm with DMRC, now SBI.
I am waiting for no KYC, no extra annual fee NCMC Card.

 

[quino]

we absolutely can.
for more info- on day 1 CS said card not activated- he will activate. Same time I asked for (more) physical recharge- he was like, activation would take time- try next day.

Next day- again, card not active. CS says- turn on NFC etc, I do.

Next Next Day- again, card not working. contact bank.

you mean on paper we can, but in reality will face many issues with other banks?

 

[Abhishek012]

you mean on paper we can, but in reality will face many issues with other banks?

This issue started after RBI banned Paytm bank.

Read here full article -

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

@TheGuy