RBL Bank Namma Metro Ncmc Prepaid Card – Benefits, Fees & Eligibility

Introduction

The RBL Bank Namma (BMRCL) Metro MTS Card is a prepaid financial instrument issued by RBL Bank, designed as a National Common Mobility Card (NCMC). This reloadable transit card aims to provide a hassle-free and cashless payment experience across various public transport modes such as metro, buses, trains, and ferries, as well as for tolls and parking. It offers convenience by enabling faster fare payments and helping users avoid queues and the need for exact change.

Prepaid Card Variant & KYC Tiers

• The RBL Bank Namma (BMRCL) Metro MTS Card is a reloadable prepaid card.
• It is issued with a simplified KYC process, requiring a mobile number verified with a One Time Password (OTP) and a self-declaration of name and a unique identity/identification number (PAN).
• The card is NCMC compliant and supported by the RuPay platform.
• It features a dual balance system:
  • Transit Balance: Can only be used for Metro and bus fares. It cannot be used for online or offline shopping.
  • Personal Balance: Can be used for both online and offline payments. Money can be added to the Transit Balance from the Personal Balance, but the Personal Balance cannot be used directly for Metro and bus fares.
• Apart from Mass Transit Systems (MTS), these Prepaid Payment Instruments (PPIs) can be used only at merchants whose activities are allied/related to/are carried on within the premises of the transit system.
• Cash withdrawal, refunds, and fund transfers are not permitted from the card.

Balance & Transaction Limits

• Maximum Wallet Balance: The maximum outstanding balance cannot exceed INR 3,000 at any point in time.
• Monthly Loading Limit: The amount loaded in the card during any month shall not exceed INR 9,000.
• Annual Loading Limit: The total amount loaded during the financial year shall not exceed INR 1,20,000.
• Monthly Debit Limit: The total amount debited from the card during any month shall not exceed INR 9,000.
• Offline Transaction Stored Value: The maximum amount to be loaded on the wallet for offline transactions is INR 2,000.
• Single Offline Transaction Limit: The upper limit of an offline payment transaction shall be INR 200, subject to change as per RBI guidelines.
• ATM Cash Withdrawal: Not allowed.
• Fund Transfers: Not permitted.

Fees and Charges

• Card Issuance Fee: INR 100 (includes INR 50 issuance fee and INR 50 wallet top-up).
• Annual Membership Fee: INR 0.
• Card Replacement / Reissuance Fee: INR 100 per request.
• ATM Cash Withdrawal Fee: Not allowed.
• ATM Balance Enquiry: Not applicable.
• Card Renewal Fee: Not applicable.
• ATM PIN Reissuance: Not applicable.
• Charge Slip Retrieval Request: Not applicable.
• Fund Transfer: Not applicable.
• Mini Statement through ATM (last 10 transactions): Not applicable.
• Inactivity Fee: A prepaid card with no financial transaction for a period of one year shall be made/treated as inactive after sending a notification to the cardholder. It can be reactivated after validation and due diligence, allowing the use of any existing funds.

How to Apply & Load Money

How to Apply

• Visit your nearest Bangalore Metro station counter or select RBL Bank Bangalore branches.
• Request the Namma Metro NCMC Card.
• Fill in your details in a simple Application Form or complete an e-form online and share the token number with the operator at the counter.
• An One Time Pin (OTP) will be generated and sent to your mobile number for validation.
• Share the OTP, pay the card issuance fee, and the top-up amount to load balance on the card.
• The card is instantly issued upon submission of required details: Name, Mobile number, and OVD (PAN).

How to Load Money

• Funds can be added electronically using UPI, net banking, debit cards, or credit cards.
• Scanning a QR code is also an option for electronic loading.
• Cash loading is permitted through transit points (Tom Counter).
• The QR code printed on the back of the card is exclusively for loading the transit wallet.
• You can add money to your Transit Balance from your Personal Balance.

Prepaid Card Review

The RBL Bank Namma (BMRCL) Metro MTS Card is ideal for commuters in Bangalore who frequently use public transport, especially the Metro. Its NCMC compatibility and dual-wallet system offer convenience for both transit fares and allied merchant payments. The instant issuance and simplified KYC are significant advantages. However, its primary limitation is the restricted usage to transit and related services, along with the inability to withdraw cash or transfer funds. The non-refundability of the offline wallet balance in case of loss or theft is also a notable drawback. Overall, it's a valuable tool for specific transit-focused needs but not a general-purpose prepaid card.

Important Product Details

• Card Category: NCMC (National Common Mobility Card) prepaid financial instrument.
• Platform: Supported by the RuPay platform.
• Security: Chip-protected for better security.
• Reloadable: Yes, for continued use.
• KYC: Simplified KYC (mobile OTP + self-declaration of name/PAN) required for issuance.
• Usage: Primarily for automated fare collection in transit services (metro, buses, railways, waterways), tolls, and parking. Can also be used at merchants allied/related to/within the premises of the transit system.
• Dual Balance System:
  • Transit Balance: For Metro and bus fares only.
  • Personal Balance: For online and offline payments. Can transfer funds from Personal to Transit Balance.
• Offline Payments: Key feature, reduces dependency on network connectivity. No PIN required for offline payments. Stored value for offline transactions up to INR 2,000. Single offline transaction limit is INR 200.
• Restrictions: Cash withdrawal, refunds, and fund transfers are not permitted.
• Geographic Use: Can be loaded in INR and used only in India.

Refund & Card Closure Terms

• Card Expiry: The card is valid until the last day of the month and year indicated on the card. If nearing expiry, a new card can be obtained by visiting the nearest Bengaluru RBL Bank Branch or Bengaluru Metro stations issuance counter.
• Lost or Stolen Card:
  • Cardholders are responsible for the security of the card.
  • Report loss/theft immediately to RBL Bank/Namma Metro (BMRCL) customer care centre (+91 22 7120 9091 or ppihelpdesk@rbl.bank.in) to get the card blocked permanently.
  • Cards can also be blocked instantly through the self-service option on the mobile app/web portal.
  • Important Note: Balance in the offline wallet of the card shall not be refunded in case of card loss, even upon intimation to the Bank.
• Damaged Card / Replacement: Visit a nearby RBL Bank branch or TOM Counter and surrender your card for replacement.
• Card Closure:
  • Visit the nearest RBL branch or TOM Counter and surrender your card.
  • The online wallet balance amount can be refunded to your provided bank account at the time of card closure, after reconciliation.

Other Details

• The card is issued in accordance with regulations set by the Reserve Bank of India.
• A PIN can be set immediately after purchasing the card from the mobile app/web portal.
• Card balance can be checked through the Mobile App, Call Centre, Web Portal, or at any Metro Station Customer Service Desk by placing the NCMC card at the card reader.
• Cardholders can set their own limits for POS and ECOM transactions through the self-service option in the mobile app.
• For feedback or complaints, contact Customer Care at +91 22 7120 9091 or email ppihelpdesk@rbl.bank.in.
• General security advice is provided to protect the card and funds, including signing the card, memorizing PIN, protecting the magnetic stripe, ensuring transactions happen in presence, keeping contact details updated, and immediately reporting loss/fraud. It also advises against sharing PIN or card details with anyone, writing PIN on the card, or exposing the card to magnetic devices.
• Terms and Conditions are available in English and Kannada.