NCMC RuPay Contactless Debit Card

National Common Mobility Card (NCMC) is a feature introduced on RuPay Contactless Debit Card which allows you to make payments across NCMC enabled terminals at metro stations, parking lots etc in a fraction of second, just by tapping the card on the card reader. NCMC is equipped with multiple functions, including offline wallet payments (currently up to Rs.2000/- and subject to change as prescribed by RBI from time to time) to simplify travel across different modes by digitising payment. Please enable ‘contactless’ feature on your Debit Card today itself to enjoy seamless travel & digital payment experience.

 

Offline Contactless Payments

The contactless payments made after loading money in the wallet are referred to as offline payments. Offline payments do not require an online connectivity with the card issuing bank, hence you don’t need to enter 4-digit pin. Card wallet balance is used to make such offline mode of payments and you can make payments up to INR 2000 with this functionality.

 
 

Limits

What is the maximum top up limit of card balance available at any given point of time?  

You are allowed to top up the card wallet to a maximum value of Rs 2000 /-. At any given point of time, the maximum balance will be Rs. 2,000.

 

Can I reload the card balance/Physical wallet account?  

Yes, you can top up/reload the card balance before it exhausts, so as to make seamless contactless payments. 

 

How do I reload card balance?  

Card balance can be topped up via “Add Money” channels, which can be done in following ways:  

  • Money Add Cash: You may approach a transit point /merchant/operator authorized to top up the card balance (money load transaction). You must pay the amount to be topped up in cash to the merchant/operator and the operator will perform a money add transaction from POS device to top-up the card balance.  
  • Money Add Account: You may approach transit point /merchant/operator to top up the card using savings/Current account. The operator will initiate this money add from POS device to top-up the card balance. The top-up amount will be deducted from card linked account and get added to the card balance.  

Eligibility

Where can I use my RuPay Contactless Debit Cards for Offline payments?  

Transit fare payment system including metros, buses etc., toll payments, parking area payments, Restaurants and other retail outlets wherever Offline mode of payments are made available. 

 

What is the validity period of my card?  

The Card is valid up to the expiry date as mentioned on the card. 

Activation

How to activate the Offline Wallet?

By default, Offline Wallet will be inactive when the card is received by customer. Customer must activate the Offline Wallet by visiting transit operator’s terminal (metro, bus terminal etc.) and performing either of the two transactions i.e. Add Money & Service Creation.

 

How to use Federal Bank National Common Mobility cards (NCMC) Rupay Debit Card for Offline Purchases? 

NCMC Debit Card can be used for performing offline transactions in any offline enabled designated terminals like Metro travel and shopping at Retail Stores. 

  • Step 1: Enable ‘Contactless’ feature on your Card through FedMobile or FedNet or IVR or through 0484-6716700/ 0484-2866700 branches.
  • Step 2: Visit the customer care desk of Metro station and ask for ‘Service Creation’ Transactions on your Debit Card.
  • Step 3: Load money to your wallet either by using the same Debit Card or by depositing cash at the Metro station counter.
  • Step 4: Perform a ‘Balance Update’ transaction at the designated transport operator terminal. Please note that Balance Update is mandatory before you start using your Card.
  • Step 5: Your Card is ready to use now. 
  • Step 6: Just tap the NCMC enabled Rupay Debit Card on the device at entry gate of Metro/any offline enabled terminal.
  • Step 7: Actual fare will be displayed and deducted from the wallet on your NCMC enabled Rupay Debit Card.
  • Step 8: POS terminals at the designated transit station will be enabled to show the real wallet balance. The available balance can also be viewed while performing the transaction at the entry gates.
     

Similar process will be followed in other Transit modes where the functionality is live. 

 

How to create the service area on card?

Request for creation of services should be placed by customer by taking the card to the designated terminal of transit operator and request to be made with them for desired service. Service Creation refers to merchant specific services such as monthly Metro pass. 

Frequently Asked Questions

 
  • How to enquire the balance on the Offline Wallet?
POS terminals of designated Transport Operators will display the balance of Offline wallet. Similarly, after Offline wallet transactions, wherever a receipt is generated it will provide the latest balance of the offline wallet.
 
  • How to update the Balance on the Offline Wallet?

When customer performs Add Money transaction through bank’s E-CHANNELS, he/she must mandatorily perform Balance Update transaction at the designated Transport Operator/Terminal. Terminal operator will double tap the card on the device for updating the same.

 

  • How to spend the money via Offline Wallet?

Customer must activate the Offline wallet and perform ‘Add Money’ to maintain necessary balance, to use the card for metro transit cases. At entry gate of metro station, customer is required to tap the card at designated device and can start the journey. Once the journey is completed, customer must tap the card again at the exit gate. AFC (Automatic Fare Calculator) System of metro will calculate the fare and deduct the amount from offline wallet.

 

  • What is the upper limit of an offline transaction?

The upper limit of an offline payment transaction shall be INR 200 and subject to change from time-to-time basis as per the guidelines. The upper limit for an offline payment transaction is set at the merchant terminals.

 

  • What is the difference between a regular Rupay Debit Card and a NCMC RuPay Debit card?  

NCMC RuPay Debit is a Dual Interface card which supports both online (contact and contactless) and Offline(contactless) transactions. A normal Rupay debit card without contactless feature will not support the NCMC. Those cards issued after April 2022 will only support the NCMC feature.  The NCMC Rupay Debit Cards have the provision of storing money on the card which can be used to initiate contactless wallet payments (offline payments) across various use cases like toll, metro, railways, transit, parking etc. 

 

  • How do I know if my RuPay Debit Card is a contactless card? 

To know if the card is RuPay Contactless, you need to check for the contactless Indicator printed on the card. 

 

  • Could I unknowingly make a purchase if I come across the contactless card reader?  

No, the operator must enter the payment amount for initiating the transaction. Also, the card or device must be held within 4 inches of the card reader to make any payment. Also, you are allowed to switch-on/switch-off contactless functionality and set the limit through ATM, Branch, Internet Banking & Mobile Banking. 

 

Fed Net Internet Banking

  • Customer shall login to Fed Net and select ‘Debit Card ON/OFF’ from ‘Debit Card Services’
  • Customer shall select the debit card number from the drop-down list as mentioned below.
  • Customer shall change the status to ON/OFF for the various debit card features as mentioned below and click on ‘Continue’ button.
  • Customer shall enter the Fed Net 2FA SMS/ code and submit the details.
  • Customer will be shown the confirmation page with the status of ON/OFF requests.
     

FedMobile Mobile Banking

Customers can login in FedMobile →Debit Card Management and Enable/Disable Card the below five functionalities. 

  • Card ON/OFF
  • Domestic ON/OFF
  • International ON/OFF
  • ECOM ON/OFF
  • Contactless ON/OFF
     

IVR

  • Call 0484-2866700
  • Press 3
  • Follow the steps.

 

Federal Bank ATM

  • Visit any federal bank ATM.
  • Insert your card.
  • Select language.
  • Select "more services" option.
  • Select "Enable/Disable" option.
  • Choose the desired option. 
     

Federal Bank Branch

Visit any Federal Bank branch and request staff to enable/disable features.

 

  • Will I be charged additionally for making contactless payments?  

No, there are no additional charges levied to make a contactless payment.  

 

  • If my PIN is blocked, can I use RuPay NCMC card for contactless payments?  

Yes, all the contactless wallet payments can be done without entering the PIN up to Rs.2000.

 

  • How will I know if the transaction is successful?  

If the transaction is successful, terminal/ device will display the message. Also, you may receive charge slip after doing the transaction.  

 

  • What should I do if my card is lost?  

As a cardholder, you are responsible for the security of the card. If the card is lost or stolen, you should report the loss/ theft to Bank’s customer care centre and get the card blocked permanently, upon adequate verification or can block the debit card permanently using the various self-service options like FedMobile, FedNet, Federal Bank branches and IVR. Balance in the wallet of the card shall not be refunded back in case of card lost even on intimation to the Bank. Bank will not bear any liability for the residual balance on the offline wallet if the NCMC Debit Card is lost and misused.


Various process of blocking the card is as follows:
FedMobile:

  1. The customer can login in his FedMobile app
  2. Open the Card management portal.
  3. Under this portal the wearable would be visible as a wearable with masked card number.
  4. For blocking the wearable an option would be shown in the card management portal, the customer can proceed after entering the MPIN.

 

FedNet:

  1. Login in FedNet portal using login ID and password.
  2. Under the debit card services he may choose block debit card.
  3. Once he selects the wearable from the dropdown menu, a reason for the same would be required.
  4. After providing the reason the customer can click on continue and card would be blocked. 
     

IVR:

The card holders may directly call the toll-free numbers 1800- 425 -1199 or 1800-420-1199.

 

Branch:

Customer can directly approach the branch official to block the debit card.

 

  • Can I transfer funds from card Wallet to my primary account?  

No, as per the bank guidelines you will not be allowed to transfer back the fund from card wallet to the main account. This transfer cannot be done under any circumstances.

 

  • Do I earn Interest on card balance/Wallet Account balance?  

You will not get any interest on the card balance/Wallet Account balance as it is being treated as prepaid payment instrument. 

 

  • Do I receive outstanding wallet balance in my account in case of Card closure/damage/replacement?

Customer must ensure that the outstanding wallet balance is fully utilized before surrendering the card for closure. The amount once loaded in the card’s offline wallet cannot be refunded under any circumstances.
 

  • What is the card renewal process upon expiry?

The expiry date of the card is printed on the card itself. In case of expired cards, all the functioning and services of the card/wallet will also expire. In case of re-issuance of card, the card will be automatically issued through the bank’s system.
 

  • What if I wave the card more than twice at the terminal? Will I be charged repeatedly?  

No. Once a payment is successful (one tap or two tap, depending upon transactions), a new payment transaction has to be initiated by again tapping the card. Multiple taps will not result in deducting the amount more than once.  
 

  • Where can I view my wallet transaction history?

The last 20 transaction details would be visible in FedNet, under Debit Card services>> NCMC Wallet (Rupay Cards). Kindly note that the transaction details would be updated on T+1 basis. (where T is the date of transaction). The customer can check the exact balance at NCMC POS enabled terminals.
 

For more information & help please call contact centre at 1800 420 1199 or email us at contact@federalbank.co.in