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.

 

[Abhishek012]

View attachment 87716

Hypocrisy at its peak.

🙄 🙄 Koi Sense Hai Is Baat Ki..

 

[Esmail]

If I can make payment using CC then why shall I opt for card that only can be top-uped with savings A/c bal, especially using UPI?

If you get card discounts specific to Orbit card on quick ecommerce platforms like you currently get for credit and debit cards I'm sure you wouldn't mind loading balance into the card through your savings account and doing the transaction.

So, you mean to say, Orbit has the provision to claim the fund lies in the offline wallet which is stored in the chip of physical card. In case of loss/theft, offline wallet balance can be recovered/refunded in case of Orbit Wallet by just blocking the card?

No, once the balance is present physically on the chip of the card there is no way to be able to get it back without physically having the card in your possession. What I mentioned was about unclaimed balance of the NCMC wallet. This is a portion of your online balance on which a lein is marked when you choose to recharge your NCMC wallet offline balance. This balance is not written onto your card until you perform the balance update transaction by tapping your card on the NFC reader. So if your card is lost after you do the online NCMC recharge and the lein marking but you haven't performed the balance update by tapping your card, then if you get your card blocked, Orbit will remove the lein and move back that unclaimed balance into your online wallet balance.

But this feature is available on Chalo with CC Avenue. Then why you said him that tapping the card physically is only the way?

Chalo app can only write the balance onto your card through NFC, but that recharge of balance from online to offline wallet is a backend feature which you would have to perform using the platform provided by your issuing bank, be it SBI, PNB, Axis, HDFC, etc. Chalo app doesn't act like a POS machine which can deduct the funds from your savings bank balance through the tap and pay feature and then transfer the balance to your offline wallet and write it on your card using NFC.

Tokenization is not that simple in case of NCMC card, whose working model is to use offline wallet only which is stored in physical chip.

I only mentioned as per what I got to know from the CEO. After tokenisation it would be like having the card embeded into your phone, much like how you have an esim instead of a physical sim. The offline balance is stored on the chip inside the phone just like it would be on the card and loss of phone would lead to loss of NCMC balance just like the loss of the card would be.

still some of the transit operators are acting as close looped system as they have done exclusive aggreement, where the issuer & acquirer is same. No other card is allowed to be used.

I agree, exclusive NCMC network arrangements kill the whole idea of NCMC and are counter-productive. It's no different from a closed loop system in that case.

Ohh, UPI ID on card doesn't seem good IMO. Let's see time will tell.

I don't see any harm in that, it can't be misused since it will allow only adding of balance using the id, there won't be any option to deduct balance from the wallet. This id is only for the lein marked portion of the online component of the offline NCMC balance and not for the main online balance.

One can use own contactless national/ international credit card or debit card or reloadable prepaid card, the digital wallets/ mobile applications (Google Wallet/ Pay, Apple Pay, Samsung Wallet) supported on NFC enabled devices including Smartphone, smart watch, or wearable, or an OMNY card.

Cards issued on the Visa, Mastercard, American Express, Discover, UnionPay, and JCB networks, all are accepted there.

Now let's compare the Population and commuter volume of USA to India, notice the time required per online query between the AFC gate and issuing bank's server and that taken for instant offline balance deduction in India. This lag makes a big difference in the number of commuters that can enter and exit the station in a given duration and has a cascading effect on crowding. Also compare the internet connectivity reliability (up time) between USA and India, in the event of network being down, the online queries will fail, no one will be allowed through the AFC gates and the crowding will be unmanageable. The offline wallet balance is a perfect India specific use case even though it adds an additional step of physical balance update.

 

[Aniket]

🙄 🙄 Koi Sense Hai Is Baat Ki..

Dekhiye sense toh hai magar sense ka anubhuti prapata karne ke liye jo chahiye hota hai wo sab mein purna nahi rehta, IYKYK 🙂

 

[Aniket]

If you get card discounts specific to Orbit card on quick ecommerce platforms like you currently get for credit and debit cards I'm sure you wouldn't mind loading balance into the card through your savings account and doing the transaction.

May be, yes. But Orbit can't bring card dis like ICICI, SBI.

Card dis come & go, but we commute on daily basis, right?

Rest, time will say.

No, once the balance is present physically on the chip of the card there is no way to be able to get it back without physically having the card in your possession.

Exactly...

What I mentioned was about unclaimed balance of the NCMC wallet. This is a portion of your online balance on which a lein is marked when you choose to recharge your NCMC wallet offline balance. This balance is not written onto your card until you perform the balance update transaction by tapping your card on the NFC reader. So if your card is lost after you do the online NCMC recharge and the lein marking but you haven't performed the balance update by tapping your card, then if you get your card blocked, Orbit will remove the lein and move back that unclaimed balance into your online wallet balance.

It's obvious, it can and must be recovered easily as it's still not stored in the chip.

Chalo app can only write the balance onto your card through NFC,

Yes and right now that's enough, isn't it?

Mostly we're using pre-paid card only not credit card.

but that recharge of balance from online to offline wallet is a backend feature which you would have to perform using the platform provided by your issuing bank, be it SBI, PNB, Axis, HDFC, etc. Chalo app doesn't act like a POS machine which can deduct the funds from your savings bank balance through the tap and pay feature and then transfer the balance to your offline wallet and write it on your card using NFC.

Yes it's not working in that, RN we can recharge and then update the balance.

It can not deduct online balance from our savings and credit card account and get it added & updated in offline wallet.

I only mentioned as per what I got to know from the CEO. After tokenisation it would be like having the card embeded into your phone, much like how you have an esim instead of a physical sim.

Got it. Seems like CEO is planning it secretly. 😅
Trying to be the first co. to be live with that feature for this first time in India. That's understandable.

The offline balance is stored on the chip inside the phone just like it would be on the card and loss of phone would lead to loss of NCMC balance just like the loss of the card would be.

That's Ok, anyday convenience.

There wouldn't be the need of physical card then. If they are planning something like this updation wouldn't be required the way we are doing now, right?

I agree, exclusive NCMC network arrangements kill the whole idea of NCMC and are counter-productive. It's no different from a closed loop system in that case.

Yes bro, that's hypocrisy only.

I don't see any harm in that, it can't be misused since it will allow only adding of balance using the id, there won't be any option to deduct balance from the wallet. This id is only for the lein marked portion of the online component of the offline NCMC balance and not for the main online balance.

Ohh let it come, then we will discuss about its disadvantages, if any.

Now let's compare the Population and commuter volume of USA to India, notice the time required per online query between the AFC gate and issuing bank's server and that taken for instant offline balance deduction in India. This lag makes a big difference in the number of commuters that can enter and exit the station in a given duration and has a cascading effect on crowding. Also compare the internet connectivity reliability (up time) between USA and India, in the event of network being down, the online queries will fail, no one will be allowed through the AFC gates and the crowding will be unmanageable. The offline wallet balance is a perfect India specific use case even though it adds an additional step of physical balance update.

It's not about the population & internet connectivity, it's only about the intent and dedication and ease of making txns/convenience, it's very much manageable, atleast i think so. I haven't given just an example of USA, there are many more other than that, Japan, Hongkong, Seoul.

Better if you check their working model as well, especially their pre-paid card.

P.S: They way they did exclusive aggreements and defeated the purpose of NCMC not only that launched NCMC without full fledged system even after long long years say many thing.

 

[Abhishek012]

Got it. Seems like CEO is planning it secretly. 😅
Trying to first co. to be live with that feature for this first time in India. That's understandable.

RuPay HCE-NFC tokenization will be done by LivQuik. Orbit wallet is a LivQuik-powered RuPay card.

The good thing is that this feature will also be available in the Orbit app.

NPCI was created for all this purpose. In the next decade, NPCI will likely establish 50-60 such fintech companies that offer HCE-NFC tokenization features like GPay and SamsungPay.

And in the next decade, you'll also see many companies going bankrupt due to the competition. 🤣🤣

It's not about the population & internet connectivity, it's only about the intent and dedication and ease of making txns/convenience, it's very much manageable, atleast i think so. I haven't given just an example of USA, there are many more other than that, Japan, Hongkong, Seoul.

Better if you check their working model as well, especially their pre-paid card.

P.S: They way they did exclusive aggreements and defeated the purpose of NCMC not only that launched NCMC without full fledged system even after long long years say many thing.

Don't stress so much, NPCI is developing everything; it just takes time. In Japan, Hong Kong, and Seoul, offline payments like NCMC are used more commonly.

If NCMC payments can be made directly from smartphones, it will become even easier. NPCI is working on that as well.

Japan's Visa/Mastercard has integrated Suica into their cards. In India, Visa/Mastercard are planning to create their own NCMC. In the end, nothing might happen, and it seems likely that Visa/Mastercard in India will integrate RuPay's NCMC into their cards

 

[Aniket]

RuPay HCE-NFC tokenization will be done by LivQuik. Orbit wallet is a LivQuik-powered RuPay card.

Yes, it's known.

The good thing is that this feature will also be available in the Orbit app.

Let's see. Otherwise it doesn't make any sense.

NPCI was created for all this purpose. In the next decade, NPCI will likely establish 50-60 such fintech companies that offer HCE-NFC tokenization features like GPay and SamsungPay.

NFC will not establish 🤣 others will try to add such feature because of competition.

G-Pay had announced through its blog that the Rupay will be live by the end of 2024. Nothing, all baseless. 😂 Now, don't say it takes time, it does but that doesn't they started working from GFF only they were working way before and by end of 2024 was max expected time frame.

And in the next decade, you'll also see many companies going bankrupt due to the competition. 🤣🤣

Unicorn 🦄 to 🌽 🤣

Don't stress so much, NPCI is developing everything; it just takes time. In Japan, Hong Kong, and Seoul, offline payments like NCMC are used more commonly.

If NCMC payments can be made directly from smartphones, it will become even easier. NPCI is working on that as well.

Japan's Visa/Mastercard has integrated Suica into their cards. In India, Visa/Mastercard are planning to create their own NCMC. In the end, nothing might happen, and it seems likely that Visa/Mastercard in India will integrate RuPay's NCMC into their cards

Let's see, how it goes. But right now, it's just a mess and not that convenient. That's all.

 

[Abhishek012]

NFC will not establish 🤣 others will try to add such feature because of competition.

Ya, definitely others will come for the competition.

G-Pay had announced through its blog that the Rupay will be live by the end of 2024. Nothing, all baseless. 😂 Now, don't say it takes time, it does but that doesn't they started working from GFF only they were working way before and by end of 2024 was max expected time frame.

GPay also took Almost 2 years for Visa after the announcement.

Google Pay announced the rollout of NFC-based tokenized card payments in India on September 19, 2019 -

it supported Visa cards issued by HDFC Bank, Kotak Mahindra Bank, State Bank of India, Standard Chartered, and Axis Bank, with plans to extend support to Mastercard and RuPay cards in the following months. 🤣 🤣

Google announces updates to Google Pay: Tokenised cards, Google Pay for Business and Spot - MEDIANAMA

Google announced support for tokenised cards in the Google Pay app on September 19, at the Google for India event…

www.medianama.com

Google Pay begins testing NFC-based payments feature via credit and debit cards on September 1, 2020 -

Android Police first spotted the development on August 28. Right now, only some Axis Bank and SBI cards on Visa are supported. While the feature has reportedly not rolled out to all users -

Google Pay is (finally) rolling out NFC payments in India - MEDIANAMA

Google Pay is adding NFC payment support to its app in India, nearly three years after launching. Android Police first…

www.medianama.com

Google Pay begins testing NFC-based payments feature via credit and debit cards

Google Pay has started testing a new feature which allows contactless payments via credit and debit cards using near-field communication (NFC) technology.

entrackr.com

Note - I remember that in 2021, Google Pay actually started rolling out the NFC feature for everyone with Visa Card, but with limited banks. Before that, it was only available to a few selected users.

Google Pay and Mastercard announced their collaboration to enable tokenized card payments in India on December 21, 2021 -

Mastercard, Google Pay offer tokenisation for card-based payments

Through tokenisation, Mastercard cardholders will be able to make payments through a secure digital token without having to share their credit or debit card details.

www.businesstoday.in

Note - Even with Mastercard, it was initially launched with only a few limited banks. I mean, even now there are only a few banks, but earlier it was even fewer.