AU Small Finance BankIn partnership with Haryana RoadwaysAU Haryana Roadways NCMC Prepaid Card – Benefits, Fees & Eligibility
Is the AU Haryana Roadways NCMC Prepaid Card Right for You?
The AU Haryana Roadways NCMC Prepaid Card is best suited for users who prioritize Travel, Shopping. With an issuance fee of ₹135 + GST and an annual fee of ₹75 + GST, this card is positioned for cardholders who can maximize its benefits to justify the cost. It offers Other Benefits as its primary reward mechanism.
Key Card Details
₹135 + GST
₹75 + GST
Other Benefits
Things to Consider
Incurs multiple fees including issuance, reloading, replacement, and annual maintenance charges.
Subject to a maximum card balance limit of ₹10,000, restricting higher value transactions.
Reloading the card incurs a fee of 1.8% or flat ₹10, which can add up over time.
Benefits & Features
Reward Type
Other Benefits
Travel Benefits
Seamless travel across public transportation with tap-and-pay, eliminating need for cash/tickets.
Fees & Charges
Issuance Fee
₹135 + GST
Annual Fee
₹75 + GST
Pros & Cons
Pros
Key benefits and features of this card.
Offers great flexibility to reload cash, ensuring continuous access to funds for travel and payments.
Provides seamless and convenient travel across various public transportation modes with tap-and-pay.
Enables secure offline shopping at retail stores, reducing the need to carry physical cash.
Enhanced security features compared to carrying cash, with online tracking of expenses and balances.
Supports multi-modal interoperability, making it a versatile solution for diverse travel needs.
Cons
Key drawbacks and limitations of this card.
Incurs multiple fees including issuance, reloading, replacement, and annual maintenance charges.
Subject to a maximum card balance limit of ₹10,000, restricting higher value transactions.
Reloading the card incurs a fee of 1.8% or flat ₹10, which can add up over time.
Product Details
Flexibility to reload cash on the card for continuous access to funds.
Contactless tap-and-pay technology for quick and hassle-free transactions.
Multi-modal interoperability across various public transportation systems.
Ability to shop offline at any retail store, offering a convenient payment method.
Enhanced security compared to carrying physical cash, with online tracking.
Available as a Personalized Card (online delivery) or Non-personalized Insta Card (instant issuance).
Benefits & Features
Reward Type
Other Benefits
Travel Benefits
Seamless travel across public transportation with tap-and-pay, eliminating need for cash/tickets.
What matters, explained clearly
Introduction
The AU Haryana Roadways NCMC Card, issued by AU Small Finance Bank, is a co-branded National Common Mobility Card (NCMC) designed to enhance the travel experience for passengers using Haryana Roadways Bus Services. This prepaid card offers the flexibility to reload cash, enabling seamless travel and payments across various modes of public transportation. It also allows users to shop offline at retail stores, providing a convenient and secure alternative to carrying cash.
Fees & Charges Breakdown
- Insta Card Issuance Fee: INR 135 + 18% GST + Online PG charges as applicable
- Online Card Issuance Fee: INR 135 + 18% GST + Delivery charges (INR 125 + 18% GST) + Online PG charges as applicable
- Maximum Card Balance Limit: INR 10,000 (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
Travel, Lounge & Lifestyle Perks
- Contactless Travel: The card uses tap-and-pay technology for quick and hassle-free transactions.
- Multi-Modal Travel: Designed to be interoperable across different modes of public transportation.
- Convenience: Eliminates the need for exact change or waiting in line to purchase tickets, making the boarding process faster and more convenient.
Card Eligibility Criteria & Income Requirements
- Required Documents: Aadhar details are required for verification of address, email, and mobile number linked with Aadhar during the application process.
Credit Card Review
The AU Haryana Roadways NCMC Card is ideal for individuals who frequently use Haryana Roadways Bus Services and other public transportation modes that support NCMC. Its primary value lies in providing a convenient, secure, and trackable method for managing travel expenses and making offline retail payments.
- Pros: Flexibility to reload cash, seamless travel, offline shopping capability, contactless transactions, multi-modal interoperability, enhanced security compared to cash, and the ability to track expenses and balances online.
- Cons: Various fees apply for card issuance, reloading, replacement, and annual maintenance. There is also a maximum balance limit.
Important Product Details
- Key Benefits:
- Flexibility to reload cash on the card.
- Seamless travel and payment experience.
- Ability to shop offline at any retail store.
- Contactless tap-and-pay technology for quick transactions.
- Multi-modal interoperability across public transportation.
- Eliminates the need for exact change or waiting in line for tickets.
- Enhanced security compared to carrying cash.
- Ability to track travel expenses and balances through online platforms.
- Card Variants:
- Personalized Card: Features the cardholder's name and photograph (if applicable) printed on it. Applied online and delivered to the customer's address.
- Non-personalized Insta Card: Issued instantly at Haryana Roadways bus depots/stations. These cards do not have cardholder details printed on them.
Other Details
- Recharge Options: Users can easily recharge the card online through designated portals or mobile apps.
- Application Process:
- For Personalized Card: Apply online by filling Aadhar details, verifying address, email, and mobile number linked with Aadhar. An OTP will be sent for verification. Pay the card issuance fee, PG charges, and card delivery charges. The card will be delivered to the provided address.
- For Non-personalized Insta Card: Visit the nearest Haryana Roadways bus depot/station. Request the co-branded NCMC prepaid card at the counter. Fill out the application form with your Aadhar-linked mobile number. After operator entry, an OTP will be sent for validation. Pay the applicable issuance fee and load the card.
- Total Benefits with your account: ₹5,400*
- You pay: ₹0*