NCMC Card Guide: Best NCMC Cards in India & Balance Check
Hunting for the best NCMC card in India? An NCMC (National Common Mobility Card) is a RuPay card that pays for metro, bus, toll and parking with one tap, and still works at shops. Here is how it works and which type suits you.
How an NCMC Card Works
An NCMC card usually carries two balances:
- Online balance: your bank account (debit card) or prepaid wallet, used at shops and online.
- Offline wallet: money stored on the chip, so transit gates can deduct fares instantly without a network.
After an online top-up, you may need to tap at a gate or counter to update the offline wallet; follow the issuer's app or top-up instructions.
How to Check Your NCMC Card Balance
- Online balance: the issuer's app, net banking or SMS alerts.
- Offline wallet: shown on metro gate readers or at the ticket counter.
- RBL metro card: the RBL Namma Metro card page lists the RBL app, web portal, station card readers and call centre. It splits money into a Transit Balance (fares only) and a Personal Balance (shopping), and you move funds between them in the app.
Best NCMC Cards by Type
| Card | Type | Best for | Note (as listed) |
|---|---|---|---|
| AU Haryana Roadways NCMC | Prepaid | Haryana Roadways bus riders | Reload fee applies Max balance ₹10,000 |
| RBL Namma Metro NCMC | Prepaid | Bengaluru metro | Min KYC Max balance ₹3,000 |
| BoB RuPay QSPARC NCMC | Debit | Bank of Baroda customers | Offline wallet up to ₹2,000 |
| ICICI RuPay Contactless NCMC | Debit | ICICI customers | Reward points Fuel surcharge waiver at select outlets |
| Bank of India RuPay NCMC | Debit | Bank of India customers | Star Points on spends |
| Delhi Metro SBI Card | Credit (metro co-brand) | Delhi Metro commuters | Auto top-up of metro smart card |
| Mumbai Metro SBI Card | Credit (metro co-brand) | Mumbai Metro commuters | Auto top-up of metro card |
Our pages don't label the SBI metro cards as NCMC, so confirm acceptance on your route. Check each issuer's live schedule of charges.
Haryana Roadways NCMC Card
Apply online for a personalised card, or get an insta card at a Haryana Roadways depot with Aadhaar-linked details. Reload via the AU prepaid portal or the Haryana Roadways app.
Don't Confuse "Metro" Cards
The Metro Kotak Credit Card is for Metro Wholesale business shoppers, not metro rail.
Which One Should You Pick?
- Already bank with BoB, ICICI or BOI: ask for the NCMC debit variant; no extra card.
- No bank tie-up, or a card for your child: a prepaid NCMC card.
- Want rewards on metro top-ups: a metro co-brand credit card.
Browse more on our mass transit cards listing and Namma Metro co-branded cards.
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CardsWala Crew
Credit Card Expert & Financial Writer
