National Common Mobility Card: All You Need to Know About NCMC Card

The NCMC card is a revolutionary option that makes travel easy with a complete payment solution. To reach any destination, you need to switch multiple modes of transport. While you can efficiently book train, aeroplane and even bus tickets, local transport requires you to carry cash. 

With an NCMC Debit Card, you don’t have to worry about it. The card allows you to make cashless travel-related payments without worrying about any interest or credit. Read on to learn how it works, what its features are, what its benefits are and more.  

What is a National Common Mobility Card?

The Ministry of Housing and Urban Affairs introduced it as an interoperable transport card. This card was launched on March 4, 2019, under the ‘One Nation, One Card’ initiative. It aims to simplify payments across various public transport systems in India. 

You can use the NCMC Prepaid Card after loading it with money using funds from your bank account or digital wallet. Since it is a RuPay-based card, all the payments are made through UPI. For this, it uses a Near-Field Communication (NFC) chip that stores user details. 

Here are some of its features that you should know about: 

• It is a UPI-integrated RuPay card 
• You can add a minimum of ₹200 with multiples of ₹100 onwards 
• You can use it for buying tickets for flights, metro and bus
• It is also useful for toll and parking ticket payments 
• Banks levy an annual fee and other charges that vary from one bank to another
• You can make up to 5 contactless payments per day 

Also Read: Virtual Credit Cards

What are the benefits of NCMC Cards?

Here is an overview of some perks you can enjoy with this debit card. 

• Interoperability: You can use this single card to cover the costs of transporting through multiple modes 
• Cashless Transactions: Avoid the hassle of carrying change or the risk of misplacing cash to enjoy a stress-free travel 
• Cash Withdrawals: It allows you to withdraw money from your nearest ATM 
• Contactless Transactions: Simply with its tap-and-go facility, you can make payments without scanning or swiping your card 
• Multi-purpose: You can also use it to pay for retail purchases and dining

Also Read: Credit Card Vs Debit Card

How to Apply Online?

Approximately 25+ partner banks offer this card. You can choose from any of these banks and apply by visiting their nearest bank branch or accessing their website. Here are the steps to can follow to apply online for an NCMC card or at the bank branch: 

• Step 1: Visit the bank’s branch or website 
• Step 2: Fill out the application form with the necessary details 
• Step 3: Submit the supporting KYC documents and form
• Step 4: Wait for verification by the bank 
• Step 5: Collect the card and activate it as per the instructions 
• Step 6: Add funds to your NCMC card

Once added, you can use the money to make cashless transactions on various modes of transport and retail outlets. 

While an NCMC card is a prepaid or debit card, carrying a credit card while travelling is also a smart way to have a hassle-free experience. This is because it provides you with instant funds in case you’ve exhausted your savings. One such card you can consider is the Fibe Axis Bank Credit Card. 

This is India’s first numberless credit card, which also offers up to 3% cashback on all your transactions, online as well as offline. It also provides other travel benefits, such as 4 annual domestic lounge visits and a 1% fuel surcharge waiver. 

Similar to NCMC, it’s a RuPay card which allows you to link it with any UPI app to make payments effortlessly. To apply for this lifetime free credit card, download the Fibe App from the Google Play Store or App Store. 

FAQs on National Common Mobility Card

How to get a National Common Mobility Card?

You can visit any of the partner bank’s websites to apply online for an NCMC card. Alternatively, visit the nearest branch to get the application form. 

How to apply for a National Common Mobility Card?

You can apply online for an NCMC card by visiting any of the 25 partner banks’ websites. Filling up the form and providing the required KYC documents will help you complete the application process and you will get the card shortly.

Which banks issue the NCMC card?

Here are some of the top banks offering NCMC:

• Axis Bank
• Canara Bank
• City Union Bank
• ICICI Bank
• IndusInd Bank
• Kotak Mahindra Bank
• Bank of Baroda
• Oriental Bank of Commerce
• Punjab National Bank
• State Bank of India
• Central Bank of India
• Syndicate Bank
• YES BANK
• Bank of India
• Union Bank of India

What is the use of a mobility card?

While it is a versatile card useful for many travel purposes, it aims to make travelling cashless and streamlined. Thus, you can use it to pay for your tickets and travel fares easily. 

For example, when travelling via the Delhi metro, you need a DMRC metro card. If you’re travelling to Mumbai, you need an MMRC metro card, as DMRC cards cannot be used. The global NCMC card eliminates this issue.