National Common Mobility Card (NCMC) is now working across Delhi, Mumbai, Bengaluru, Chennai and Ahmedabad, and more than 25 banks currently issue this RuPay based card. Bengaluru is getting full NCMC integration with BMTC buses from June 2026, using around 11,000 new ticketing machines being installed across the city under a four year contract worth close to ₹30 crore.
This single card works for metro travel, bus fare, toll tax, parking charges and retail shopping. Card holders also get an offline wallet of up to ₹2,000, as per RBI rules, so the payment goes through even without internet at the point of swipe.
NCMC Card Online Registration - How to Apply
Getting an NCMC card does not need a separate government portal. Banks issue it directly as a debit, credit or prepaid card, and the process stays more or less the same at every bank.
STEP 1 - Open the net banking portal or mobile banking app of your bank. Major banks such as SBI, Punjab National Bank, HDFC Bank, Axis Bank, ICICI Bank, Bank of Baroda, IDFC First Bank and Paytm Payments Bank all offer this card.
STEP 2 - Look for the option named RuPay NCMC card or National Common Mobility Card under the debit or credit card section, and apply by filling in your account details.
STEP 3 - Submit KYC documents if your bank asks for them. Existing account holders can usually apply with just their registered mobile number and Aadhaar linked account.
STEP 4 - Once approved, the card gets delivered to your registered address, usually within 7 to 10 working days. Activate it through the bank app or at an ATM before first use.
People without a bank account can also visit their nearest branch and apply offline through a form, submitting ID proof, address proof and a passport size photo.
What is National Common Mobility Card (NCMC)
NCMC card, also called One Nation One Mobility Card, is a contactless smart card built under the Make in India programme. Government launched it so a single card can work across different transport systems in the country, instead of every city running its own separate card.
Before NCMC, a metro card bought in one city usually did not work in another city, since each transport operator ran its own fare collection system, mostly built by foreign vendors. Not anymore. NCMC gives every RuPay debit, credit or prepaid card the ability to double up as a transit card too.
Banks Issuing NCMC Card
Almost every major bank in the country now offers an NCMC variant on its debit or credit cards. Some of the banks currently issuing this card include:
- State Bank of India (SBI), one of the earliest banks to roll out NCMC debit cards
- Punjab National Bank (PNB) and Bank of Baroda, offering NCMC on regular debit cards
- HDFC Bank, ICICI Bank and Axis Bank, with NCMC available on select debit and credit cards
- IDFC First Bank, City Union Bank and Paytm Payments Bank, also part of the NCMC network
| Detail | Information |
|---|---|
| Card Name | National Common Mobility Card (NCMC) |
| Also Known As | One Nation One Mobility Card |
| Launched Under | Make in India programme, Ministry of Housing and Urban Affairs |
| Card Type | RuPay debit, credit or prepaid card with NCMC chip |
| Cities Live | Delhi, Mumbai, Bengaluru, Chennai, Ahmedabad, with more cities joining |
| Uses | Metro, bus, toll tax, parking, retail shopping, cash withdrawal |
| Offline Wallet Limit | Up to ₹2,000, as per RBI guidelines |
| Issuing Banks | SBI, PNB, HDFC, ICICI, Axis, Bank of Baroda, IDFC First, Paytm Payments Bank and others |
| Application Mode | Bank net banking, mobile app or branch visit |
NCMC Card with UPI Facility
RBL Bank has started offering RuPay credit cards that combine UPI payments with the NCMC transit feature on a single card. This means one card can now handle daily UPI payments and metro or bus fare together, without carrying a separate transit card. Other banks are expected to add similar combined cards over time.
Bengaluru NCMC-BMTC Integration From June 2026
Bengaluru commuters got a big change from June 2026, when unified NCMC travel started across Namma Metro and BMTC buses. Around 11,000 new Electronic Ticketing Machines, built and maintained by mobility firm Chalo under a roughly ₹30 crore contract, were installed on BMTC buses for this. These machines accept any NCMC card issued anywhere in India, so a card from Mumbai, Delhi or Kochi works on a Bengaluru bus too, without needing a local card.
Where NCMC Card Works
NCMC card use is not limited to one type of travel. Depending on the city, the same card can cover:
- Metro travel in cities where NCMC has been rolled out, including Delhi, Mumbai, Bengaluru, Chennai and Ahmedabad
- Bus fare payment, including BMTC buses in Bengaluru after the June 2026 rollout
- Toll tax, parking charges and retail shopping wherever a compatible contactless reader is installed
FAQ's
Is NCMC card free?
No. Banks may charge a small issuance or annual fee, similar to a regular debit or credit card. Check your bank's card fee list before applying.
Can NCMC card be used without internet?
Yes. NCMC card carries an offline wallet, up to ₹2,000, which works through tap and pay at metro, bus and toll gates even when there is no network signal.
Is NCMC card valid in every city?
It works in cities where transit operators have installed compatible ticketing machines, such as Delhi, Mumbai, Bengaluru, Chennai and Ahmedabad. More cities are expected to join as ticketing infrastructure gets upgraded.
Can an existing debit card work as NCMC card?
Many banks now issue regular debit and credit cards with the NCMC chip built in. Check with your bank whether your existing card already supports NCMC before applying for a new one.
Berojgari bhatta see related jankari
I want. To use free wifi that was given by cm of Delhi.