Skip to main content
AU Small Finance BankAU Small Finance Bank

AU Haryana Roadways NCMC Prepaid Card – Benefits, Fees & Eligibility

The AU Haryana Roadways NCMC Card is a prepaid National Common Mobility Card designed for seamless travel on Haryana Roadways bus services and multi-modal public transportation. It offers the convenience of contactless payments for quick transactions and can also be used for offline shopping at retail stores. Ideal for frequent commuters, this card provides enhanced security over cash, online recharge options, and expense tracking, prioritizing ease of transit and cashless payments.
TravelShopping
Apply Now(opens in new tab)

Is the AU Haryana Roadways NCMC Prepaid Card Right for You?

A quick look at who this card is best for, key costs, and things to consider.

The AU Haryana Roadways NCMC Prepaid Card is best suited for users who prioritize Travel, Shopping. With a joining fee of ₹135 + GST and a renewal fee of ₹75 + GST, this card is positioned for cardholders who can maximize its benefits to justify the cost. It offers Prepaid & Stored Value Benefits as its primary reward mechanism.

Verified
Last updated: 11 May 2026

Key Card Details

Joining Fee

₹135 + GST

Renewal Fee

₹75 + GST

Reward Type

Prepaid & Stored Value Benefits

Things to Consider

Users must be aware of various issuance, reload, and annual fees.

Subject to maximum balance limits based on KYC verification levels.

Does not offer traditional reward points or cashback programs.

Last updated: 11 May 2026

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Reward Type

Prepaid & Stored Value Benefits

Travel Benefits

Seamless, contactless travel on Haryana Roadways & other public transport modes.

Fees & Charges

Know the costs before applying to avoid surprises later

Joining Fee

₹135 + GST

Renewal Fee

₹75 + GST

Pros & Cons

Weigh the advantages and limitations

Pros

Key benefits and features of this card.

Seamless and contactless travel across various public transport modes.

Offers the convenience of offline retail shopping at any store.

Eliminates need for exact change, speeding up bus boarding process.

Enhanced security features compared to carrying physical cash.

Easy online recharge and comprehensive expense tracking available.

Cons

Key drawbacks and limitations of this card.

Users must be aware of various issuance, reload, and annual fees.

Subject to maximum balance limits based on KYC verification levels.

Does not offer traditional reward points or cashback programs.

Reload fee of 1.8% or flat INR 10 applies to all top-ups.

Product Details

Comprehensive information about this credit card

National Common Mobility Card (NCMC) for public transport.

Contactless tap and pay technology for quick transactions.

Can be used for offline shopping at retail stores.

Easy online recharge via designated portals or AU 0101 app.

Offers enhanced security and online expense tracking.

Available as personalized or non-personalized Insta Cards.

Manage card via AU 0101 app for balance and statements.

What matters, explained clearly

Detailed evaluation to help you make the right decision

Introduction

The AU Haryana Roadways NCMC Card, issued by AU Bank, is a prepaid National Common Mobility Card (NCMC) specifically designed to enhance the travel experience for passengers using Haryana Roadways bus services. It offers seamless travel, the flexibility to shop offline at retail stores, and contactless payment capabilities, making transactions quick and hassle-free.

Fees

  • Insta Card Issuance Fee: INR 135 + 18% GST + Online Payment Gateway (PG) charges as applicable.
  • Online Card Issuance Fee: INR 135 + 18% GST + Delivery charges (INR 125 + 18% GST) + Online Payment Gateway (PG) charges as applicable.
  • Maximum Card Balance Limit: INR 10,000 (with INR 2,000 for offline transactions and INR 8,000 for online transactions based on Minimum KYC).
  • Card Reload Fee: 1.8% or Flat INR 10 (whichever is more, rounded off to the nearest rupee).
  • Minimum Load Amount: INR 100 (initial money load must be a minimum of INR 100 and in multiples of INR 100 thereafter).
  • Card Replacement Charges: INR 150.
  • Annual Maintenance Charges: INR 75.

Rewards

  • Seamless Travel: Designed for quick and hassle-free transactions on Haryana Roadways bus services using tap and pay technology.
  • Multi-Modal Interoperability: The card is designed to be interoperable across different modes of public transportation.
  • Offline Shopping: Ability to shop offline at any retail stores.
  • Convenience: Eliminates the need for exact change or waiting in line to purchase tickets, making the boarding process faster.
  • Enhanced Security: Offers enhanced security compared to carrying cash.

Rewards Redemption Guide

  • Online Recharge: Users can easily recharge the Haryana Roadways NCMC prepaid card online through designated portals or the AU 0101 mobile app.
  • Expense Tracking: Users can track their travel expenses and balances through online platforms.

Card Eligibility Criteria

  • Aadhar Details: Required for both personalized and non-personalized card applications.
  • Mobile Number: A mobile number linked with Aadhar is necessary for OTP verification during the application process.

Card Review

The AU Haryana Roadways NCMC Card is an ideal solution for frequent commuters on Haryana Roadways bus services and individuals seeking a convenient, secure, and multi-functional prepaid card. Its primary strength lies in its NCMC compliance, enabling seamless and contactless travel across various public transport modes, alongside the utility of offline retail shopping. The ability to recharge online and track expenses adds to its convenience. However, users should be aware of the various fees, including issuance, reload, and annual maintenance charges, as well as the maximum balance limits based on KYC levels. This card is best suited for those who prioritize ease of transit and a cashless payment option over traditional reward points or cashback programs.

Important Product Details

  • National Common Mobility Card (NCMC): Designed for interoperable use across different public transportation modes.
  • Contactless Payments: Utilizes tap and pay technology for quick and hassle-free transactions.
  • Offline Shopping: Can be used for purchases at retail stores.
  • Online Recharge: Easy top-up through designated portals or the AU 0101 mobile app.
  • Security and Tracking: Offers enhanced security over cash and allows users to track expenses and balances online.
  • Issuance Options: Available as both personalized (online application, home delivery) and non-personalized Insta Cards (instant issuance at bus depots).
  • Fees Applicable: Various fees including issuance, reload, replacement, and annual maintenance charges apply.
  • Balance Limits: Subject to maximum balance limits based on KYC status.

Other Details

  • Application Process for Personalized Card

    • Apply online by filling Aadhar details, verifying address, email, and mobile number linked with Aadhar.
    • OTP verification on the Aadhar-linked mobile number.
    • Payment of card issuance fee, payment gateway charges, and card delivery charges.
    • Card is delivered to the customer's given address upon successful submission.

  • Application Process for Non-Personalized Insta Card

    • Visit the nearest Haryana Roadways bus depot/station.
    • Request the AU Small Finance Bank and Haryana Roadways co-branded NCMC prepaid card.
    • Fill details in the application form, including the Aadhar-linked mobile number.
    • OTP validation on the Aadhar-linked mobile number.
    • Pay the applicable issuance fee and load the card.
  • AU 0101 Mobile App: The app can be used to view balance and transactions, download account statements, and request cheque books, in addition to facilitating card recharge and tracking.
  • General Terms & Conditions: For more information on service fees and user guide, refer to the bank's official links provided on their website.

Frequently Asked Questions

Clear, concise answers to help you understand this card better.