HDFC Bank One Pune Prepaid Card – Benefits, Fees & Eligibility

Introduction

The HDFC Bank One Pune Card is a multi-purpose prepaid card designed for quick and seamless payments across metro stations, stores, outlets, and online platforms. Positioned as a versatile utility card, it offers hassle-free travel across all NCMC-enabled metro stations in India, enables instant payments for shopping, travel, and utilities, and provides easy card management and control through a unified portal. Its key differentiating benefits include offline wallet functionality for uninterrupted usage and secure transactions with EMV chip technology.

Fees

• Card Issuance Fee: ₹150 plus applicable GST.
• Reload and Top-up Fee: 1.8% applicable GST or ₹12 plus applicable GST per reload, whichever is less.
• Balance Enquiry: NIL.
• Annual Charges: ₹75 plus applicable GST.
• Card Reissuance Charges: ₹150 plus applicable GST.
• Service Charges: On issuance of card, 18% GST will be applied on Issuance fees. 1.8% or ₹12 fees (whichever is less) will be applied on card top-up.

Rewards

• Travel Benefits:
  • Tap and board metros hassle-free with offline wallet convenience across all NCMC-enabled metro stations in India.
  • Cashless metro transit across Pan India wherever NCMC enabled terminals are available.
• Payment Benefits:
  • Make instant payments for groceries, movie tickets, and utility bills both online and in-store.
  • Use the card’s stored value feature for offline wallet transactions, ensuring uninterrupted usage.
  • Quick transactions at retail outlets without entering a PIN for amounts up to ₹5,000. For transactions above ₹5,000, a PIN is required.
  • Pay for in-store and online shopping, movie tickets, groceries, utility bills and more.
  • Retail Payments at merchant outlets across the country, without having to carry several cards.
• Security Benefits:
  • Equipped with EMV chip technology and PIN-based transactions.
  • Zero lost card liability once reported by the cardholder.
• Convenience Benefits:
  • Accessible to individuals aged 13 and above with minimal documentation.
  • Valid for three years and can be easily renewed at any Pune metro station.
  • Receive instant SMS/email alerts for every transaction.
  • Manage your card seamlessly through a unified portal to check balances, set limits, and track transactions.
  • Effortlessly view and redeem reward points (though the card primarily uses stored value, this feature is mentioned for the unified platform).
• Banking Benefits:
  • Integrates effortlessly with digital platforms, allowing you to manage business expenses and finances anytime, anywhere.
  • Contactless payments at metro stations, stores, and online platforms.
  • Easy card top-up and balance checks through kiosks, metro stations, or the customer portal.

Rewards Redemption Guide

• Card Management & Controls:
  • Manage your card through a single unified platform for Credit Cards, Debit Cards, FASTag, and Business Loans.
  • Monitor and manage all your business expenses seamlessly with an easy-to-use interface.
  • Effortlessly view and redeem reward points with just a click (if applicable for other card types managed on the platform).
  • Easily set limits, enable/disable online/contactless transactions, and track expenses.
• Balance Check:
  • Visit your nearest Metro Station and use a kiosk or Add Value Machine (AVM).
  • Contact the Customer Care Helpline at 022-45000800.
  • Visit the HDFC Bank One Pune Card customer portal, enter the last 6 digits and card expiry, then mobile number and captcha, followed by OTP to log in and view balance and statement.
• Card Top-up/Recharge:
  • Log in to the customer portal and top-up your card.
  • Visit an NCMC-enabled Metro Station and request a top-up from the TOM operator.
  • Use the Kiosk/ATVM at an NCMC-enabled Metro Station and follow the on-screen instructions.
  • Minimum top-up limit is ₹50.
  • Maximum top-up limit is ₹3,000 at a time for minimum KYC cards, with a maximum chip balance of ₹2,000.
  • For full KYC customers, the limit extends to ₹2,00,000.
• PIN Management:
  • To change or reset your PIN, log on to the customer portal and click on "Set PIN/Reset PIN".
  • You can also visit your nearest metro station counter to change the PIN.
• Balance Sync (Host to Chip Balance):
  • After topping up the card via customer portal or Pune metro counter, you must insert your card into an Add Value Machine (AVM) or Kiosk machine at a metro station to transfer host balance to chip balance for transit use.

Card Eligibility Criteria

• Nationality: Indian.
• Age:
  • 10 - 18 years: Aadhaar Card (Last four digits) / Passport Number. Minors aged 13-18 can issue a card by providing an Aadhaar number or Passport.
  • 18 years and above: PAN card and any one of the following OVD (Officially Valid Document) numbers: Voter ID, Passport, Driving License, NREGA JOB Card, or Aadhaar card (last four digits).
• Documents Required:
  • Identity Proof: Aadhaar card, PAN Card, Latest utility bill, Passport Number, OVD number of Voter ID/Passport/Driving License/NREGA JOB Card/Aadhaar card (last four digits).
  • PAN number is mandatorily required for individuals 18 years and above (non-mandatory for individuals below 18 years).

Card Review

The HDFC Bank One Pune Card is an excellent prepaid solution for individuals seeking a versatile payment tool, especially those who frequently use metro services across India. Its primary strength lies in its seamless integration with the National Common Mobility Card (NCMC) system, allowing tap-and-go travel. The card's offline wallet functionality is a significant advantage, ensuring uninterrupted payments even without internet connectivity. It's suitable for a wide demographic, including minors aged 13 and above, making it a convenient option for students and daily commuters.

Pros:

• Pan-India Metro Travel: Works across all NCMC-enabled metro stations.
• Versatile Usage: Covers online/offline shopping, utility bills, groceries, and movie tickets.
• Offline Wallet: Enables payments without internet access.
• Easy Management: Unified portal for tracking, setting limits, and top-ups.
• Accessible: Low entry barrier with minimal documentation, available for minors.
• Secure: EMV chip, PIN-based transactions, and zero lost card liability (once reported).

Cons:

• Prepaid Nature: Requires loading funds, not a credit facility.
• Fees: Issuance, annual, and reload fees apply, which might add up for frequent small reloads.
• Offline Chip Balance Loss: Balance on the offline chip is non-refundable if the card is lost or stolen.
• KYC Requirements: Minimum KYC cards have lower limits and require full KYC update within two years to avoid a credit freeze and extend limits.
• Balance Sync: Requires physical interaction with AVM/Kiosk for host balance to chip balance transfer after online top-up.

Who Should Apply: This card is ideal for metro commuters, students (aged 13+), and anyone looking for a convenient, secure, and multi-purpose prepaid card for daily expenses and travel across NCMC-enabled public transport in India. It's a good alternative to carrying cash for small transactions and managing daily budgets.

Important Product Details

• Card Type: Prepaid Card.
• Validity: 3 years from the date of issuance. Re-issuance is possible at Pune metro stations.
• Contactless Payment Limit: Up to ₹5,000 per transaction without a PIN.
• Maximum Transaction Limit (Min KYC): ₹10,000 monthly.
• Top-up Limits:
  • Minimum: ₹50.
  • Maximum: ₹3,000 at a time (for minimum KYC).
  • Maximum Chip Balance: ₹2,000.
  • Post full KYC, the limit extends to ₹2,00,000.
• Lost/Stolen Card: Immediately report loss/theft by calling 022-45000800, blocking via SMS ("BLKOP1" for Regular, "BLKOP2" for Student to 5676712), or through the customer portal. Note that any balance stored on the offline chip is non-refundable if the card is lost or stolen.
• KYC Compliance: Minimum KYC cards must be updated to Full-KYC within two years of issuance. Failure to do so will result in a credit freeze, though the existing balance remains usable.
• PAN Update: Mandatory for KYC compliance when turning 18. Can be updated via the customer portal. Using the card without updating PAN will result in a lower spending limit.
• Card Inactivity: The card becomes inactive if not used at least once within 12 months. To unblock, visit the Prepaid Card Portal or call Phone Banking.
• Maximum Cards per Individual: One customer can get a maximum of 4 cards.
• HDFC Bank Account Not Required: The card can be issued at Pune metro station counters without needing to be an HDFC Bank customer.

Other Details

• Card Usage Do’s:
  • Carefully read the user guide provided in the card kit.
  • Change PIN at regular intervals.
  • Ensure card usage in your presence.
  • Make transactions in complete privacy.
  • Collect the card and receipt after transaction completion.
  • Regularly check account statements and report unauthorized transactions immediately.
• Card Usage Don’ts:
  • Do not write down your PIN in any way that could allow others to misuse it.
  • Never share your card details or PIN with anyone, including bank officials, over phone or email.
  • Don't overlook or ignore transaction alerts received through SMS.
  • Never lend your card to anyone.
  • Do not write your PIN on the card or on the cover of the card.
• Balance Types:
  • Total Balance: The amount of money available on your Card after fees and charges have been deducted.
  • Chip Balance: The amount set aside for metro gate Tap & Pay transactions; maximum chip balance can be ₹2,000.
  • Card balance / Host balance: The amount available on the card excluding chip balance that can be utilised for retail purchases (POS and E-commerce).
  • Card / Host balance = Total Balance - Chip Balance.
• Dispute Resolution: To report a dispute transaction, contact the customer support Centre on 022-45000800 or email hdfcpunemetro@support-paycraftsol.com.
• Card Renewal: A month before expiry, an SMS will be sent requesting renewal. Visit the nearest Pune metro station counter for card re-issuance.
• Balance Transfer on Re-issuance: The balance from the old card (both chip and account) will be transferred to the new card.
• Legal Disclaimers: Prepaid Card approvals are at the sole discretion of HDFC Bank Limited and are subject to documentation and verification. Interest rates are subject to change. Terms and conditions apply.