Lets talk about RuPay NCMC Card/ RuPay Metro Card & share your experience & help others

Abhishek012 · Aug 10, 2023

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.

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.

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

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 -

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.

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

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.

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 · Feb 10, 2025

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

Mumbai Metro is also Non-Exclusive.

noidea · Feb 10, 2025

How will BBPS improve the offline load experience - if they do not upgrade the Add Value Machines or integrate it with the gates?

I love and admire Rupay - I have NPCIs director and CTO's number in my contacts - haven't voted since 2014 (so no political bias).

I am speaking about the overall "current" experience. Things may improve in 1-10 years from now. But not "now" yet, especially when they are pushing the adoption.

Abhishek012 said:
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.

Abhishek012 · Feb 11, 2025

noidea said:
How will BBPS improve the offline load experience - if they do not upgrade the Add Value Machines or integrate it with the gates?

I love and admire Rupay - I have NPCIs director and CTO's number in my contacts - haven't voted since 2014 (so no political bias).

I am speaking about the overall "current" experience. Things may improve in 1-10 years from now. But not "now" yet, especially when they are pushing the adoption.

First of all, all the current non-NCMC metro payment systems are based on foreign technology. Which is being gradually phased out.

RuPay NCMC has recently introduced a self-balance update feature.

If you have NFC-enabled Android phone, you don’t need AVMs. You can update the balance yourself.

Download the Chalo app and update the offline balance on your NCMC card yourself (some other bank apps are also available).

2nd thing, Many NCMC machines are being installed in the Delhi Metro for self-balance updates. Work is likely underway in other metros as well -

Last thing, if not today, then tomorrow, this will have to be pushed forcefully.

When America introduced Visa/MasterCard and Japan NCMC systems like Suica/Felica and at one time even their people were forced to adopt them.
In America, there were many losses and problems due to Visa/Mastercard when the system wasn’t properly ready. But nothing can be done about it—at some point, it has to be enforced.

Some American restaurants and shop owners went bankrupt because there was no chargeback system (People used to forge signatures and walk away or later refused to pay because there was no legal binding). And when the chargeback system was introduced, both banks and merchants suffered losses in the billions of dollars every year as people exploited false chargebacks to get their money back.

Some Americans at that time also said that even after the chargeback, they didn’t get their money back and were scammed.

It took years to solve this and a complete international chargeback system had to be developed.

Take India's FASTag as an example. OMG! When FASTag was made mandatory, the govt and NPCI were heavily criticized on Twitter and YouTube because the service was terrible (Personally, I think some people and banks must have faced losses at that time due to FASTag).

But if they hadn’t enforced it, FASTag wouldn’t be working so smoothly today. Technology can only be properly tested on a large scale when it is implemented forcefully and that’s the only way its problems can be solved.

People will definitely face some issues for a few years, but everything will eventually be fine.

Anyway, NCMC is a very expensive project.

The NCMC Validation Terminal and AFC Gates have been co-designed and developed by CDAC and BEL. All the sub-systems are made in India and the IP remains with India.

Because of this, only a limited number of companies are currently able to develop these gates and terminals.

warrior · Feb 11, 2025

Abhishek012 said:
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

I mainly use it for MTC. A way to recharge using credit card will be rewarding

rajcasio · Feb 11, 2025

warrior said:
I mainly use it for MTC. A way to recharge using credit card will be rewarding

Don't they accept CC in your nearby BUS DEPOT?
Chennai metro station counter accepts CC. Visit once in a month to load and update your balance.
BEWARE - I was charged CONVENIENCE FEE for loading money using CC in metro station 2 years back

warrior · Feb 12, 2025

rajcasio said:
Don't they accept CC in your nearby BUS DEPOT?
Chennai metro station counter accepts CC. Visit once in a month to load and update your balance.
BEWARE - I was charged CONVENIENCE FEE for loading money using CC in metro station 2 years back

I'll check. My guess is that would count as offline transaction and will be useless for SBI cashback card.

rajcasio · Tuesday at 11:01 PM

Today i bought a SINGARA CHENNAI NCMC card at a MTC counter in Chennai
But its showing as UNAUTHORISED USER in transit.sbi website when i tried to register and check my balance using the CARD & MOBILE number.
Why is that?

Today i found out that no MTC counters accepts DC/CC for recharge. Only CASH

Abhishek012 · Wednesday at 12:27 AM

rajcasio said:
Today i bought a SINGARA CHENNAI NCMC card at a MTC counter in Chennai
But its showing as UNAUTHORISED USER in transit.sbi website when i tried to register and check my balance using the CARD & MOBILE number.
Why is that?

Today i found out that no MTC counters accepts DC/CC for recharge. Only CASH

Use BBPS to recharge your SBI RuPay NCMC Card.

rajcasio · Wednesday at 10:01 PM

Abhishek012 said:
Use BBPS to recharge your SBI RuPay NCMC Card.

How to check my balance?
How to recharge? Can't find option in Paytm or gpay

Abhishek012 · Wednesday at 10:46 PM

rajcasio said:
How to check my balance?
How to recharge? Can't find option in Paytm or gpay

Dnt know about paytm or gpay.

If you have NFC phone then you can check balance, also update balance in your offline NCMC card through Chalo app (location doesn't matter, manually change location to Mumbai).

No need to visit metro station to update your balance to offline NCMC Card.

Online recharge through BBPS (few apps name) -

SBI Unipay >> choose "NCMC Recharge" - https://customer.sbiunipay.sbi/CustomerPortal/quickPay

BHIM app >> go to BBPS bill payment section and choose NCMC Recharge

Shriram app >> go to bill payment section (home page choose "view all") >> now bill payments page >> Search option >> type "NCMC"

Park+ app >> go to bill payment page >> you will see "National Common Mobility Card" option

I think option also available on Airtel app.

Snapay app >> BBPS >> Metro >> Chennai Metro Rail Card number option available (i dnt know which card number required).

warrior · 2025-02-20T13:43:08+0530

rajcasio said:
Today i bought a SINGARA CHENNAI NCMC card at a MTC counter in Chennai
But its showing as UNAUTHORISED USER in transit.sbi website when i tried to register and check my balance using the CARD & MOBILE number.
Why is that?

Today i found out that no MTC counters accepts DC/CC for recharge. Only CASH

You can use UPI CC in the metro counter. I just recharged with 200. No charges also. You'll get 200 in the balance

warrior · 2025-02-20T13:44:37+0530

rajcasio said:
Today i bought a SINGARA CHENNAI NCMC card at a MTC counter in Chennai
But its showing as UNAUTHORISED USER in transit.sbi website when i tried to register and check my balance using the CARD & MOBILE number.
Why is that?

Today i found out that no MTC counters accepts DC/CC for recharge. Only CASH

Try to register again. The site works

Lets talk about RuPay NCMC Card/ RuPay Metro Card & share your experience & help others

Abhishek012

TF Pioneer

Post in thread 'Clarification on RuPay NCMC'

Now RuPay Card ‘NCMC Recharge’ supported through BBPS (Bharat Bill Pay System):