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

Introduction

The One Pune Card is a multi-purpose prepaid card issued by HDFC Bank, designed to offer quick and seamless payments across various platforms. It serves as a general-purpose reloadable (GPR) card with a strong emphasis on transit, specifically for metro travel. Its primary value proposition is to provide hassle-free tap-and-board metro access across India, alongside versatile usage for shopping, travel, and utility bill payments, both online and in-store, with the convenience of an offline wallet functionality.

Prepaid Card Variant & KYC Tiers

• The One Pune Card is a reloadable prepaid card.
• It is compatible with the National Common Mobility Card (NCMC) standard, allowing for cashless metro transit across all NCMC-enabled metro stations in India.
• Minimum KYC (Min KYC) Cards:
  • Maximum top-up limit is ₹10,000.
  • Maximum chip balance (for metro transactions) is ₹2,000.
  • Monthly transaction limit is ₹10,000.
  • It is mandatory for customers to convert their Min KYC card to Full KYC within two years from the date of issuance.
• Full KYC Cards:
  • Upon conversion to Full KYC, the limit extends to ₹2,00,000.
• No KYC Cards (Migration from Min KYC):
  • Failure to complete the Full KYC process within two years will result in the card being migrated to a No KYC Card (One Pune Transit Card).
  • Upon migration, the wallet loading limit will be restricted to ₹3,000.
  • The card will be usable only for transit-related transactions and services.

Balance & Transaction Limits

• Minimum Top-up Limit: ₹10.
• Maximum Top-up Limit:
  • For Min KYC cards: ₹10,000.
  • For Full KYC cards: ₹2,00,000.
  • Maximum top-up limit at a time (per transaction) is ₹3,000.
• Maximum Chip Balance: ₹2,000 (amount set aside for metro gate Tap & Pay transactions).
• Monthly Transaction Limit (Min KYC): ₹10,000.
• Contactless Retail Transaction Limit: Up to ₹5,000 per transaction without entering a PIN.
• Transactions Above ₹5,000: Require PIN entry.
• Balance Types:
  • Total Balance: The total money available on the card after fees and charges.
  • Chip Balance: Amount for metro gate Tap & Pay transactions (max ₹2,000).
  • Card Balance / Host Balance: Amount available on the card excluding chip balance, usable for retail purchases (POS and E-commerce).
  • Card/Host balance = Total Balance – Chip Balance.

Fees and Charges

• Card Issuance Fee: ₹150 plus applicable GST.
• Reload and Top-up Fee: 1.8% of recharge value or ₹12 plus applicable GST per reload, whichever is less.
• Balance Enquiry: NIL.
• Annual Maintenance Charges: ₹75 plus applicable GST.
• Card Reissuance Charges: ₹150 plus applicable GST.
• Inactivity: The card gets inactive if not used at least once within 12 months. To activate, a top-up transaction is required.

Rewards, Offers & Partner Perks

• Offline Wallet Functionality: The card offers a stored value feature for offline wallet transactions, ensuring uninterrupted usage, particularly for metro travel.
• Sub-wallet Benefits: Distinct balances are maintained: a "Chip Balance" for metro travel/ticketing payments (maximum ₹2,000) and a "Card Balance / Host Balance" for retail purchases (POS and E-commerce).

How to Apply & Load Money

How to Apply

• Eligibility Criteria:
  • Nationality: Indian.
  • Age 13-18 years: Aadhaar Card (last four digits) or Passport Number. PAN number is non-mandatory.
  • Age 18 years and above: PAN card and any one of the following OVDs (Officially Valid Documents): Voter ID, Passport, Driving Licence, NREGA JOB Card, or Aadhaar card (last four digits).
• Application Process:
  • Visit your nearest Pune metro station.
  • Fill out the E-form available online, receive a unique number via SMS, and then purchase the card at any Pune metro station by showing the unique number.

How to Load Money

• Top-up Methods:
  • Log in to the customer portal.
  • Visit an NCMC-enabled Metro Station and request a top-up from the TOM operator.
  • Use the Kiosk/ATVM (Add Value Machine) at an NCMC-enabled Metro Station and follow the on-screen instructions.
• Balance Sync for Metro Use: After topping up the card via the customer portal or Pune metro app, you must insert your card into an Add Value Machine (AVM) or Kiosk machine at a metro station to perform a "Balance Sync" to transfer the host balance to the chip balance for transit use.

Prepaid Card Review

The One Pune Card is a versatile prepaid card from HDFC Bank, ideal for individuals who frequently use metro services across India and also require a convenient payment solution for daily expenses. Its NCMC compatibility is a significant advantage for seamless public transit. The offline wallet feature ensures payments even without an internet connection. While it offers easy management and secure transactions with EMV chip and PIN, users should be mindful of the KYC tiers and their associated limits. Min KYC users face a ₹10,000 monthly limit and a mandatory upgrade to Full KYC within two years to avoid restrictions. The non-refundable nature of the offline chip balance if the card is lost or stolen is a notable drawback. Overall, it's a strong contender for a multi-purpose card, especially for urban commuters, provided they manage their KYC status and understand the balance synchronization process for metro usage.

Important Product Details

• Positive Highlights:
  • NCMC transit compatibility, allowing tap-and-board metro travel across all NCMC-enabled metro stations in India.
  • Offline wallet functionality for quick and hassle-free payments even without an internet connection.
  • Versatile usage for online and in-store shopping, movie tickets, groceries, and utility bills.
  • Easy card management through a unified portal to check balances, set limits, enable/disable online/contactless transactions, and track expenses.
  • Equipped with EMV chip technology and supports PIN-based transactions for enhanced security.
  • Allows quick contactless transactions at retail outlets up to ₹5,000 without entering a PIN.
  • SMS alerts for all transactions.
  • Valid for three years and can be easily renewed at any Pune metro station.
  • Multiple methods for card top-up and balance checks (customer portal, kiosks, metro stations).
  • No HDFC Bank account is required to obtain the card.
  • A customer can get a maximum of 4 cards.
• Negative Highlights:
  • Minimum KYC cards have restrictive limits (maximum top-up ₹10,000, monthly transaction limit ₹10,000, maximum chip balance ₹2,000).
  • Mandatory conversion to Full KYC within two years for Min KYC cards; failure leads to migration to a No KYC card with further restrictions (₹3,000 loading limit, transit-only usage).
  • Any balance stored on the offline chip is non-refundable if the card is lost or stolen.
  • The card becomes inactive if unused for 12 consecutive months, requiring a top-up to reactivate.
  • Balance synchronization is required at a Kiosk or ATVM after online top-ups to transfer funds to the chip balance for transit use.
  • Updating PAN is mandatory for KYC compliance when an individual turns 18, affecting spending limits if not updated.

Refund & Card Closure Terms

• Card Validity: The One Pune Card is valid for 3 years from the date of card printing/issuance.
• Card Renewal/Re-issuance:
  • After 3 years, the card can be renewed or re-issued at any Pune metro station.
  • An SMS alert will be sent a month before the card's renewal date, requesting a visit to the nearest Pune metro station counter for re-issuance.
  • Card re-issuance due to loss, theft, or damage incurs a fee of ₹150 plus applicable GST.
• Lost or Stolen Card:
  • Cardholders must immediately report loss/theft by calling 022-45000800 or blocking the card temporarily via SMS (text "BLKOP1" for Regular One Pune Card or "BLKOP2" for Student card, followed by a space and the last six digits of the card number, to 5676712).
  • The card can also be hotlisted via the customer portal.
  • Important: Any balance stored on the offline chip is non-refundable if the card is lost or stolen.

Other Details

• Customer Care Helpline: 022-45000800.
• Email Support: onepune.support@hdfc.bank.in.
• Customer Portal: Available for balance checks, transaction statements, PIN changes, and card management (e.g., setting limits, enabling/disabling transactions).
• Legal Disclaimers: The product is subject to terms and conditions, and approvals are at the sole discretion of HDFC Bank Limited, subject to documentation and verification. Interest rates are subject to change.
• Documentation: The "Most Important Terms and Conditions" document is available and should be reviewed thoroughly.