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Karnataka Bank MoneyPlant NCMC Contactless RuPay Platinum International Debit Card – Benefits, Fees & Eligibility

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Last updated: 30 July 2026
The Karnataka Bank MoneyPlant NCMC Contactless RuPay Platinum International Debit Card is a unique travel and transit-focused payment solution integrating the National Common Mobility Card (NCMC) feature. It offers high daily transaction limits, global acceptance, and complimentary domestic lounge access. Ideal for cosmopolitan users, it combines everyday banking with seamless metro and bus transit payments under the 'One Nation, One Card' initiative.
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Is the Karnataka Bank MoneyPlant NCMC Contactless RuPay Platinum International Debit Card Right for You?

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

The Karnataka Bank MoneyPlant NCMC Contactless RuPay Platinum International Debit Card is best suited for users who prioritize Travel, Mass Transit, Dining. With an issuance fee of ₹300 + GST and an annual maintenance charge of ₹300 + GST, this card is positioned for cardholders who can maximize its benefits to justify the cost. It offers Merchant Vouchers as its primary reward mechanism.

Verified
Last updated: 30 July 2026

Key Card Details

Issuance Fee

₹300 + GST

AMC Fee

₹300 + GST

Reward Type

Merchant Vouchers

Daily ATM Withdrawal Limit

₹75,000 per day

Daily POS/Online Spend Limit

₹2,00,000 per day

Notable Perks

Welcome Offer

Complimentary access to participating domestic airport lounges, once per calendar year per card.

Domestic Lounge Access

Complimentary access to participating domestic airport lounges, once per calendar year per card.

Dining Benefits

15% off on the food bill at US Pizza.

Things to Consider

Annual maintenance charge of ₹300 plus GST is applicable from the second year onwards.

Complimentary lounge access is discontinued effective 1st April 2026, reducing long-term value.

No reward points or cashback program; benefits are limited to specific merchant offers.

Last updated: 30 July 2026

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Complimentary access to participating domestic airport lounges, once per calendar year per card.

Reward Type

Merchant Vouchers

Domestic Lounge Access

Complimentary access to participating domestic airport lounges, once per calendar year per card.

Dining Benefits

15% off on the food bill at US Pizza.

Travel Benefits

Complimentary domestic airport lounge access once per year and NCMC transit feature for metro and bus services.

Daily ATM Withdrawal Limit

₹75,000 per day

Daily POS/Online Spend Limit

₹2,00,000 per day

Fees & Charges

Know the costs before applying to avoid surprises later

Issuance Fee

₹300 + GST

AMC Fee

₹300 + GST

Card Replacement Fee

₹300 plus GST

Pros & Cons

Weigh the advantages and limitations

Pros

Key benefits and features of this card.

Integrated NCMC feature allows for effortless transit payments across metros and buses nationwide.

Complimentary domestic airport lounge access once a year adds value for frequent flyers.

High daily transaction limits of ₹75,000 at ATMs and ₹2,00,000 for POS/e-commerce.

Contactless technology ensures quick, secure, and convenient tap-and-go payments.

Global acceptance on the RuPay network makes it suitable for international travel.

Cons

Key drawbacks and limitations of this card.

Annual maintenance charge of ₹300 plus GST is applicable from the second year onwards.

Complimentary lounge access is discontinued effective 1st April 2026, reducing long-term value.

No reward points or cashback program; benefits are limited to specific merchant offers.

Card replacement fee of ₹300 plus GST is relatively high for a debit card.

Product Details

Comprehensive information about this credit card

Integrated NCMC functionality for seamless metro and bus transit payments under 'One Nation, One Card'.

Contactless RuPay Platinum International platform for fast tap-and-go payments.

Global acceptance as an international debit card for worldwide usage.

24-hour emergency helpline and SMS-based card blocking for enhanced security.

Exclusive merchant offers across health, wellness, shopping, and dining categories.

What matters, explained clearly

Detailed evaluation to help you make the right decision

Introduction

The KBL MoneyPlant NCMC Contactless RuPay Platinum International Debit Card, issued by Karnataka Bank, is a unique payment instrument that integrates the National Common Mobility Card (NCMC) feature, allowing for seamless tap-and-go payments across metro and bus transits nationwide under the 'One Nation, One Card' initiative. This card is designed for the cosmopolitan traveler, combining high transaction limits, global acceptance, and complimentary domestic airport lounge access with everyday banking convenience.

Welcome Benefits

  • Complimentary access to participating domestic airport lounges, once per calendar year per card.

Transaction Limits & Usage

  • Daily ATM Withdrawal Limit: ₹75,000 per day.
  • Daily E-commerce/POS Limit: ₹2,00,000 per day at merchant establishments.
  • International Usage: The card is accepted globally, functioning as an international debit card.
  • Contactless Payments: The card employs radio-frequency identification (RFID) or near-field communication (NFC) technology for fast and secure contactless transactions.
  • NCMC Transit Feature: The card can be used for seamless transit across metro and bus services in India with a single tap.

Fees and Charges

  • Card Issuance Charges: ₹300 plus GST.
  • Annual Maintenance Charges (AMC): ₹300 plus GST, applicable from the second year.
  • Card Replacement Charges: ₹300 plus GST.

Rewards & Offers

  • Lounge Access: Complimentary access to participating domestic airport lounges, once per calendar year per card.
  • Merchant Offers: Exclusive discounts are available across various categories including:
    • Health & Wellness: VLCC Head-to-Toe Services at Rs. 3499, Full Body Laser Hair Reduction at Rs. 44,444 (6 Sessions), VLCC Hydra Synergy Oxygenic Facial at Rs. 3999, Summer Detan Facial at Rs. 825, Underarms Laser Hair Reduction at Rs. 999.
    • Shopping: 10% off on all purchases from Himalaya Wellness on a minimum order value of Rs. 500 and above.
    • Dining: 15% off on the food bill at US Pizza.

Important Product Details

  • The card is a Contactless Contact Card variant on the RuPay Platinum International platform.
  • It features the National Common Mobility Card (NCMC) functionality, part of the 'One Nation, One Card' initiative by the Ministry of Housing and Urban Affairs.
  • Complimentary lounge access has been discontinued with effect from 1st April 2026.
  • The card provides a 24-hour emergency helpline for blocking the card or availing assistance at +91 802 202 1500.
  • Card blocking can also be initiated via SMS by sending "BLOCK XXXX" (where XXXX is the last 4 digits of the card number) to +91 988 065 4321.

Other Details

  • The card does not incur interest rates as it utilizes funds already available in the linked bank account.
  • For lost or stolen cards, customers should immediately report the incident via email to info@ktkbank.com or by calling toll-free numbers 1800 425 1444 or 1800 572 8031.
  • The KBL Mobile Plus app can be downloaded from the Google Play Store or Apple App Store for account management.

Frequently Asked Questions

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