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.

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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 -​

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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.

 

[rockstar94]

Do we need to enable contactless payment as well for NCMC to work or adding money to ncmc will work ?

 

[warrior]

Do we need to enable contactless payment as well for NCMC to work or adding money to ncmc will work ?

Adding money is enough

 

[Abhishek012]

RuPay now have 2 types of NCMC Prepaid Cards -

RuPay NCMC Prepaid Cards -​

Apply for a RuPay Prepaid Card at the metro station and bus depot. This card can be used for transit and retail payments.

OR

Get a RuPay Prepaid MTS Card from instant dispensing machines or counters at the metro stations and bus depots. This is a ready to use card and can be used only for transit purpose.

RuPay Prepaid MTS Card live banks -

Airtel bank,
City union bank,
Ongo Wallet,
Orbit Wallet,
RBL Bank,
7 Ring,
SBI.

 

[Aniket]

RuPay now have 2 types of NCMC Prepaid Cards -

RuPay NCMC Prepaid Cards -​

Apply for a RuPay Prepaid Card at the metro station and bus depot. This card can be used for transit and retail payments.

OR

Get a RuPay Prepaid MTS Card from instant dispensing machines or counters at the metro stations and bus depots. This is a ready to use card and can be used only for transit purpose.

RuPay Prepaid MTS Card live banks -

Airtel bank,
City union bank,
Ongo Wallet,
Orbit Wallet,
RBL Bank,
7 Ring.

SBI ka MTS pre-paid mein kaise bhul gaye 👀

 

[Esmail]

RuPay now have 2 types of NCMC Prepaid Cards -

RuPay NCMC Prepaid Cards -​

Apply for a RuPay Prepaid Card at the metro station and bus depot. This card can be used for transit and retail payments.

OR

Get a RuPay Prepaid MTS Card from instant dispensing machines or counters at the metro stations and bus depots. This is a ready to use card and can be used only for transit purpose.

RuPay Prepaid MTS Card live banks -

Airtel bank,
City union bank,
Ongo Wallet,
Orbit Wallet,
RBL Bank,
7 Ring,
SBI.

I have the Orbit wallet card but it was mandatory to have minimum KYC in the wallet app before linking the card using the kit number. If anyone has been able to link the orbit card without KYC as a purely transit card let me know.

 

[Aniket]

I have the Orbit wallet card but it was mandatory to have minimum KYC in the wallet app before linking the card using the kit number. If anyone has been able to link the orbit card without KYC as a purely transit card let me know.

Online Wallet requires KYC and the card is linked with the online wallet as well, so not possible, IG.

What's min kyc there? Only mobile number registration/linking as in the case of other prepaid NCMC card, I don't think so.

 

[Esmail]

Online Wallet requires KYC and the card is linked with the wallet, so not possible, IG.

What's min kyc there? Only mobile number registration/linking as in the case of other prepaid NCMC card, I don't think so.

No it needs Aadhar KYC through OTP. Which is why I was wondering how it is listed under prepaid MTS card when it can't be activated as a pure transit card without enabling online transactions through KYC.

 

[Abhishek012]

No it needs Aadhar KYC through OTP. Which is why I was wondering how it is listed under prepaid MTS card when it can't be activated as a pure transit card without enabling online transactions through KYC.

I think the system is ready from the NPCI side.

It's entirely up to the Orbit Wallet team when they install these machines at metro stations and bus depots and allow card purchases without KYC.

just like ONGO, Airtel Bank, and CUB Bank have done -

 

[Aniket]

No it needs Aadhar KYC through OTP. Which is why I was wondering how it is listed under prepaid MTS card when it can't be activated as a pure transit card without enabling online transactions through KYC.

Haha 😂 so it's doing min KYC.

Did you purchase?
IG, they have sent you without any charge so as to get feedback, right?

IG,Orbit Wallet (Sakera) is not authorised to issue PPI that's why tied up with LivQuik Tech. (licensed) one.

RBI has waived off even min. KYC requirement for a pure transit card/NCMC upto the limit of 3k wallet balance.

Because they haven't brought the card with the limit of 3k balance at any point of time, that's why requires min KYC.

 

[Esmail]

IG, they have sent you without any charge so as to get feedback, right?

Yes the CEO sent it to me free of charge to get feedback.

RBI has waived off even min. KYC requirement for a pure transit card/NCMC upto the limit of 3k wallet balance.

As of now all NCMC cards have a maximum limit of 2K for offline balance, haven't seen any with 3K limit yet.

Chalo NCMC card gives the user the option to decide whether to do KYC and activate the online transactions or to skip it and activate only for offline transit use. Meaning the same card can be used as prepaid or pure transit (choice is available only at the time of activation and can't be changed later). But with Airtel NCMC the card available at the metro station is pure transit only, while for prepaid card the user has to create a wallet and then order online through it.

 

[Aniket]

Yes the CEO sent it to me free of charge to get feedback.

Can you share your experience with us as well? Also, what sorts of feedback were given?

As of now all NCMC cards have a maximum limit of 2K for offline balance, haven't seen any with 3K limit yet.

NCMC can be of any nature, be it prepaid or debit or credit. Pre-paid has 3 variants, no kyc, min kyc and full kyc.

3k is max cap limit for zero kyc NCMC card.

Chalo NCMC card gives the user the option to decide whether to do KYC and activate the online transactions or to skip it and activate only for offline transit use. Meaning the same card can be used as prepaid or pure transit (choice is available only at the time of activation and can't be changed later).

Not available here, withdrawn it services. Though, the app is good especially because it has tied-up with CC Avenue.

But with Airtel NCMC the card available at the metro station is pure transit only, while for prepaid card the user has to create a wallet and then order online through it.

Yes Airtel has two variants.

Orbit, Airtel, or say, mostly are chargeable and restrictive in nature, issuance fees & annual fees and can not be recharged/ loaded/ top-uped through CC without any charge. Also, these card can be recharged from the certain or their platform only. SBI is available at the majority platforms among others.

Airtel only got the market share of DMRC because of restriction levied on Paytm Payments Bank (Wallet & Transit Card) and laziness of SBI even after being issuer for DMRC.

As of now, SBI has edge, IMO.

 

[Esmail]

Can you share your experience with us as well? Also, what sorts of feedback were given?

The recharge experience is very smooth. No gateway charges for adding balance. It shows the transaction history in so much detail that I haven't seen in any other NCMC card, it shows individual transaction ids for balance added to online wallet, subtracted from online wallet, added to intermediate balance, deducted from intermediate balance, added to offline balance on the card through NFC.

The minimum recharge amount is ₹1 unlike Airtel where it is ₹100. And it allows adding in decimal values like I added ₹1.07 to test. They will enable the balance check and update features like Chalo app for NFC capable phones and won't keep it exclusive for just their own card like Airtel has done.
In fact Orbit is in the process of enabling adding any supported bank's Rupay contactless credit or debit card so it can add offline balance using the same card's online balance. Also the Orbit card will be tokenised on NFC capable phones to enable tap and go feature for NCMC going forward.

NCMC can be of any nature, be it prepaid or debit or credit. Pre-paid has 3 variants, no kyc, min kyc and full kyc.

Yes I'm aware.

Yes Airtel has two variants.

3 actually. Pure transit, prepaid and debit.

Orbit, Orbit, some others are chargeable and restrictive in nature, issuance fees & annual fees and can not be recharged/ loaded top-uped through CC without any charge. Also, these card can be recharged from the certain platform only

Issuance fees are there for any NCMC card. Even Airtel isn't clear about their annual fees for the prepaid card variant. As for recharge only through the app, going forward NCMC wallets will have their own UPI id which can be used to top up the balance from any UPI app and then balance update performed through any app supporting this feature. As of now SBI and Airtel are live on the Bharat Connect (earlier BBPS) platform for recharge.

 

[Aniket]

The recharge experience is very smooth. No gateway charges for adding balance. It shows the transaction history in so much detail that I haven't seen in any other NCMC card, it shows individual transaction ids for balance added to online wallet, subtracted from online wallet, added to intermediate balance, deducted from intermediate balance, added to offline balance on the card through NFC.

Great, does it get updated in real time? Txn alert is also available, SMS or/& email?

I am not talking about gateway charge, is there any convenience or some other fees? I heard that CC is no more available to load the wallet/card. Then, how? May be because there's no option to add the balance in offline wallet directly (correct me if I am wrong), that's why may be in order to avoid exploitation, since universal/online bal can be used for different purposes...

Other's transit card & still metro closed loop metro card can be recharged through CC without any charges.

View attachment 86283
The minimum recharge amount is ₹1 unlike Airtel where it is ₹100.

That's great then.
We don't earn intrest on offline wallet balance, also somehow if it's lost, we loose offline wallet balance also, so it's better and advised to keep min. bal.

And it allows adding in decimal values like I added ₹1.07 to test.

Wow, that's appreciable only because took the 1st initiative, IG.

They will enable the balance check and update features like Chalo app for NFC capable phones and won't keep it exclusive for just their own card like Airtel has done.

Yep, we discussed earlier as well.

In fact Orbit is in the process of enabling adding any supported bank's Rupay contactless credit or debit card

Let's see, in GFF24, it was said that the feature is coming soon on G-pay, shown demo as well. Not only that G-Pay even announced that it will be live by the end of this year but no any signs so far. Hope...

so it can add offline balance using the same card's online balance.

You meant to say, offline wallet will be able to get loaded with the added Rupay DC & CC? Only Rupay or Visa & MC also?

Heard and the conduct shows they are working in some specific niche. Since, not interacted personally or no such info is available publicly, so don't know much.

Aap se toh huwa na wo bhi aacha hai...CEO seems young and open minded, so we can hope.

Also the Orbit card will be tokenised on NFC capable phones to enable tap and go feature for NCMC going forward.

Really? But NCMC's balance (offline) gets stored within the chip of physical card, right? So, how this will gonna happen? May be I am missing something or they are working on some other technologies or tie-ups

Throw some lights...

Yes I'm aware.


3 actually. Pure transit, prepaid and debit.

Yep, ignored debit one, purposefully.
It can not APB can not match the level of Paytm. 😐

Kaash Paytm hota...

Issuance fees are there for any NCMC card.

Not for all... SBI Transit Card is being freely distributed even there is no annual fees as of now.

Even Airtel isn't clear about their annual fees for the prepaid card variant.

🤣

As for recharge only through the app, going forward NCMC wallets will have their own UPI id which can be used to top up the balance from any UPI app

Ohh, this is something new. Put some links...

and then balance update performed through any app supporting this feature.

Which feature? Wallet with UPI ID or NFC?

As of now SBI and Airtel are live on the Bharat Connect (earlier BBPS) platform for recharge.

Yes, earlier referring to the same.

 

[Abhishek012]

The recharge experience is very smooth. No gateway charges for adding balance. It shows the transaction history in so much detail that I haven't seen in any other NCMC card, it shows individual transaction ids for balance added to online wallet, subtracted from online wallet, added to intermediate balance, deducted from intermediate balance, added to offline balance on the card through NFC.
View attachment 86283
The minimum recharge amount is ₹1 unlike Airtel where it is ₹100. And it allows adding in decimal values like I added ₹1.07 to test. They will enable the balance check and update features like Chalo app for NFC capable phones and won't keep it exclusive for just their own card like Airtel has done.

This is the latest news about adding Rs.1.

Who was the guy crying about the minimum Rs.50 or Rs.100 load ? @Aniket jara naam batana tag karta hu. 🤣🤣

 

[Esmail]

Great, does it get updated in real time? Txn alert is also available, SMS or/& email?

Balance addition is updated in real-time. Balance deduction gets updated only when the transit agency settles the transaction with the NCMC issuer. Usually Metros and Buses settle transactions in 2-3 days from the date of transaction. But in the meantime you can always check the real balance using the balance check option on NFC capable phones.

I am not talking about gateway charge, is there any convenience or some other fees? I heard that CC is no more available to load the wallet/card

I use UPI for balance addition and there is no convenience fee on that. It may apply on debit card and net banking similar to UTS for railway.

I heard that CC is no more available to load the wallet/card. Then, how? May be because there's no option to add the balance in offline wallet directly (correct me if I am wrong), that's why may be in order to avoid exploitation, since universal/online bal can be used for different purposes...

Actually when you click on offline balance addition and select the payment mode and complete the transaction, the balance directly shows up in Unclaimed balance. The steps of addition to online balance and deduction from online balance happen automatically in the background. This unclaimed balance can only be used to write to offline balance on the card and can't be pulled back to the online balance unless you block the card permanently by reporting loss of card. So ideally if their concern is people using cashback cards to add to the online balance and using at POS terminals in stores then they can enable it only for offline balance addition and not online. I can get a clarification from the CEO in this regard.

You meant to say, offline wallet will be able to get loaded with the added Rupay DC & CC? Only Rupay or Visa & MC also?

It's more like a balance add transaction that one can perform at a metro station or Bus conductors device. In Mumbai we have Chalo for buses, if I need to add offline balance to my NCMC card on the conductors device, it gives 2 options, either using cash or using the online balance of the same card. If I choose the online balance then it's a two step process, on first tap it will deduct from my online balance using contactless payments and second step it will write the balance to my card's NCMC wallet.

This option isn't available on any app directly for consumers for now, so I suggested it to the CEO since I have ICICI Rupay contactless debit card which recently enabled NCMC on it but the imobile app has no option to add balance to NCMC wallet, so tapping the card physically is the only way it can be done. And he said they are already working on adding this feature in the future releases.

Really? But NCMC's balance (offline) gets stored within the chip of physical card, right? So, how this will gonna happen? May be I am missing something or they are working on some other technologies or tie-ups

Once you tokenise the card then your phone replaces the card. You can discard the physical card after that since it will be of no use. Even the offline balance will be written to your phone in a secure wallet created by the app. In this case there will be no need to update balance over NFC after recharge since it will go directly into the offline wallet.
This option will be only for the Orbit card in orbit wallet not for third party bank issued cards. Those will only work for recharge using UPI or NFC like I explained in the previous answer.

Ohh, this is something new. Put some links...

Info not in public domain, got to know from Harshvardhan Zaveri (CEO) since they are actively involved in policy decisions. He said the UPI id may even come printed on the future cards. Not sure but I guess it will follow a particular framework standard using which we can determine the UPI id for the older cards as well.

Which feature? Wallet with UPI ID or NFC?

NFC balance update feature supporting all bank cards.