National Common Mobility Card: All you need to know, from features to application process about NCMC

Here’s everything you need to know about the NCMC, from its features to the application process and more. 

What is the NCMC?

Devised to encourage cashless transactions and present a unified payment platform for commuters across the country, launched under the Prime Minister’s ‘One Nation, One Card’ initiative, the National Common Mobility Card (NCMC) is an interoperable transport card.

It allows holders to pay for multiple types of public transport, as well as withdraw money and do other retail payment applications, using a single card. Also available as debit/credit/prepaid RuPay cards from 25+ partner banks, including Bank of India, State Bank of India, Punjab National Bank, and others.

Hence, this initiative not only aims to simplify access to transport but also promotes the use of digital payments across the country.

Key features of the NCMC:

• Interoperability: The card is usable across various modes of transport nationwide, including metro, buses, suburban railways, and even toll and parking charges, eliminating the need for multiple cards.
• Contactless transactions: Equipped with Near Field Communication (NFC) technology, the NCMC allows for tap-and-go payments, speeding up the transaction process.
• Secure transactions: Enhanced security features ensure that your transactions are safe and your privacy is protected.
• Offline transaction capability: For low-value transactions, the card supports offline payments, reducing dependency on network connectivity for payments.
• Multi-purpose use: Beyond transportation, the card can be used for retail purchases, making it a versatile tool for daily use.

How to apply for an NCMC 

• The NCMC is issued by participating banks, so the first step is to check which banks offer the card. 
• Applying for an NCMC can be done through online banking platforms or by visiting the bank branches.
• The process involves filling out an application form and submitting the required KYC (know your customer) documents.
• Once your application is approved and you receive your card, you may need to activate it as per the bank’s instructions, which might involve setting a PIN or signing into a banking app.
• Before using the card for travel or purchases, you’ll need to top it up with money. This can be done via net banking, mobile banking, or at select recharge points across the city.
• With the card activated and topped up, one is ready to use it across various transport modes and retail outlets that support NCMC payments.

The National Common Mobility Card is a step towards transforming and digitising India’s public transport system, making it more efficient and user-friendly. By reducing the need for multiple cards and cash transactions, the NCMC aims to not only streamline the travel experience but also promote a digital-first approach to daily transactions.