National Common Mobility Card (NCMC): Simplifying Payment Processes and Enhancing Travel Experiences |

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In the age of technological advancements, India strides forward with the National Common Mobility Card (NCMC), a groundbreaking initiative poised to revolutionise travel experiences across the nation. Launched by the Ministry of Housing and Urban Affairs on March 4, 2019, under the Prime Minister’s ‘One Nation, One Card’ vision, the NCMC promises to simplify payment processes for transportation, toll taxes, and parking fees, consolidating various modes of travel onto a single platform.

What is National Common Mobility Card (NCMC)

The NCMC represents a transformative shift towards cashless transactions and unified payment solutions for commuters nationwide. Positioned as an interoperable transport card, it enables users to seamlessly navigate public transport networks, including metros, buses, trains, and more, with a single card. Available in debit, credit, or prepaid RuPay card formats from over 25 partner banks, such as State Bank of India and Punjab National Bank, the NCMC not only facilitates travel but also promotes digital payments across diverse sectors.

National Common Mobility Card (NCMC) Key Features

  • Interoperability: With the NCMC, users can bid farewell to the hassle of managing multiple cards, as it supports payments across various transportation modes, toll booths, and parking facilities.
  • Contactless Transactions: Equipped with Near Field Communication (NFC) technology, the NCMC enables swift tap-and-go payments, enhancing transaction efficiency.
  • Enhanced Security: Robust security measures safeguard transactions, ensuring user privacy and data integrity.
  • Offline Transaction Capability: For added convenience, the card supports offline payments for low-value transactions, minimising reliance on network connectivity.
  • Multi-purpose Use: Beyond transportation, the NCMC doubles as a versatile retail payment tool, facilitating seamless purchases.

How to Apply for National Common Mobility Card (NCMC)

  • Selecting Participating Banks: Begin by identifying banks that offer the NCMC and choose your preferred issuer.
  • Application Process: Apply for the NCMC through online banking platforms or by visiting bank branches, completing the requisite application form and submitting KYC documents.
  • Activation: Upon approval, activate your card as per the bank’s guidelines, which may involve setting a PIN or accessing a banking app.
  • Top-up: Before utilising the card for travel or purchases, ensure it is topped up with funds via net banking, mobile banking, or authorised recharge points.
  • Utilisation: Once activated and funded, leverage the NCMC across various transport networks and retail outlets supporting NCMC payments.

Embracing the Digital Frontier

The National Common Mobility Card heralds a new era in India’s public transport landscape, fostering efficiency, accessibility, and digitalization. By amalgamating diverse payment systems into a singular interface, the NCMC aims to elevate travel experiences while advocating for a digital-first approach to everyday transactions.

National Common Mobility Card – Offline Wallet FAQs

How do I activate the Offline Wallet?
Upon receiving the Offline Wallet, it remains inactive until the customer initiates activation. To activate the Offline Wallet, customers must visit a designated transit operator’s terminal, such as a metro or bus terminal. Activation can be completed by performing one of two transactions: Add Money or Service Creation.
How can I add funds to the Offline Wallet?
Customers can add funds to the Offline Wallet through an Add Money transaction. This can be done either by depositing cash at designated terminals located in metro stations or bus stations, or by using the same debit card associated with the wallet.
How do I create a service area on my card?
To create service areas on the card, customers need to request the creation of specific services from the transit operator. This can be done by bringing the card to the designated terminal of the transit operator and requesting the desired service. Service Creation pertains to merchant-specific services, such as a monthly Metro pass. (After activating the Offline Wallet, customers are free to add money from the bank’s E-Channels.)
How can I check the balance of the Offline Wallet?
The balance of the Offline Wallet can be checked at POS terminals designated by Transport Operators. Additionally, receipts generated after Offline wallet transactions will display the latest balance of the wallet.
How do I update the balance on the Offline Wallet?
After performing an Add Money transaction through the bank’s E-Channels, customers must also update the balance at the designated Transport Operator/Terminal. Terminal operators will update the balance by double-tapping the card on the device.
How can I use the funds via the Offline Wallet?
Once the Offline Wallet is activated and sufficient funds are added, customers can use the card for metro transit. At the entry gate of the metro station, customers must tap the card at the designated device to begin the journey. Upon completing the journey, they must tap the card again at the exit gate. The AFC (Automatic Fare Calculator) System will calculate the fare and deduct the amount from the Offline Wallet.
How do I block the Offline Wallet?
The Offline Wallet balance cannot be blocked and remains susceptible to misuse if lost, misplaced, or stolen. The bank holds no liability for any residual balance on the wallet if the card is lost and misused.
What are the terms of card expiry?
The expiry date of the card is mentioned on the card itself. Upon expiry, the card ceases to function, and all associated services expire. In the event of card re-issuance, customers must have the service areas written on the new card by operators or merchants.



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