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AU Haryana Roadways NCMC Prepaid Card VS Goibibo ICICI Bank Forex Prepaid Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 29 July 2026
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CheQ AU Credit Card

Zero Fees. More Rewards

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CheQ AU Credit Card
AU Haryana Roadways NCMC Prepaid Card
AU Haryana Roadways NCMC Prepaid Card
Goibibo ICICI Bank Forex Prepaid Card
Goibibo ICICI Bank Forex Prepaid Card

Fees & Charges

Joining Fee₹135 + GST
Joining Fee₹499 + GST
Renewal Fee₹75 + GST
Renewal Fee₹100 + GST
Spend Based Waiver
Spend Based Waiver
Foreign Transaction Fees
Foreign Transaction Fees
Interest Rate (APR)
Interest Rate (APR)

Rewards & Benefits

Welcome Bonus
Welcome BonusGet Rs. 500 goCash+, Rs. 15,000 Goibibo vouchers, Rs. 1,000 cab voucher, and Rs. 0.40 forex rate discount on loading USD 1,000.
Rewards Rate
Rewards Rate
Reward TypeOther Benefits
Reward Type
Reward Redemption Fee
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel BenefitsSeamless travel across public transportation with tap-and-pay, eliminating need for cash/tickets.
Travel Benefits
Movie Benefits
Movie Benefits
Dining Benefits
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver
Fuel Surcharge Waiver

Security & Other

Insurance Benefits
Insurance BenefitsIncludes air accident cover (Rs. 10 lakh), checked-in baggage delay (USD 300), lost passport/tickets (USD 500), and lost card liability (Rs. 5 lakh).
Cash Advance Charges
Cash Advance Charges
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

AU Haryana Roadways NCMC Prepaid Card

Goibibo ICICI Bank Forex Prepaid Card

Who is it for?

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.

Who is it for?

The Goibibo ICICI Bank Forex Prepaid Card is a co-branded foreign exchange card issued by ICICI Bank in collaboration with Goibibo, a popular travel portal. This card is primarily targeted at frequent international travelers, especially those who prefer booking flights and hotels through third-party travel platforms like Goibibo. Its top differentiating benefits include exclusive Goibibo vouchers and goCash+, discounted forex rates, special dining offers in select countries, and a comprehensive insurance plan, making it a suitable option for managing international travel expenses.

Pros

Key benefits and features.

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.

Pros

Key benefits and features.

Enjoy substantial welcome benefits including Goibibo vouchers and goCash+.

Benefit from discounted forex rates when loading specific amounts onto the card.

Comprehensive insurance plan covers air accidents, lost baggage, and more.

Access attractive dining discounts at over 100 restaurants in 6 countries.

The card comes with no annual fee, making it cost-effective for travelers.

Cons

Key drawbacks and limitations.

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.

Cons

Key drawbacks and limitations.

Lacks a reward structure or cashback program for regular spending.

Does not offer any complimentary airport lounge access benefits.

A 3.5% cross-currency markup applies if you transact in an un-loaded currency.

Specific details on supported currencies and exchange rate lock are not provided.

High ATM withdrawal fees of USD 2 per transaction can add up quickly.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
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