Future of Urban Mobility: The Game-Changing Power of NCMC with Orbit Card
Discover how the Orbit Card with NCMC integration is revolutionizing urban travel in India
Why does the NCMC card have multiple balances ?
Ever wondered about multiple balances inside the NCMC card? You must have noticed there are three balances inside the card. Let's deep dive to understand what are these balances and how they streamline your financial transactions and commuting experiences.
Ever wondered about multiple balances inside the NCMC card? You must have noticed there are three balances inside the card. Let's deep dive to understand what are these balances and how they streamline your financial transactions and commuting experiences.
First Let’s understand what are these balances ?
Prepaid Balance (Online Balance/ Universal Balance):
Your go-to for everyday spending, the prepaid balance functions universally, accommodating transactions across online and offline platforms with ease. Load it up and swipe away at any retail store or shop online, hassle-free.
- Prepaid balance can be load into the card using dedicated app/web-portal by the card issuer using UPI, Net banking, Debit card etc..
- The balance instantly gets credited to the card.
Intermediate Balance :
Intermediate Balance acts as the bridge between online and offline transactions, the intermediate balance holds funds transferred from the prepaid balance before they are loaded onto the card’s transit balance. This balance gets loaded when the user taps on the CTT(Card Top-up Terminals) machines at metro or bus stations.
- This balance reflects in the card when the user transfers the balance from online balance to offline balance.
Transit Balance (Offline Balance):
Designed exclusively for your commuting needs, the transit balance stands ready for bus rides, metro rides, water ferries, and more. Tap into this offline fund whenever you're on the move, without missing a beat. This balance can be used at any public transport services accepting NCMC payments across India.
- Offline balance can be loaded by transferring the balance from your online balance or can be toped-up at metro counters offline.
Why is it required ?
The NCMC card features dual balances to meet the distinct needs of users. One is the prepaid balance, also known as the online balance, used for shopping online on various websites and shopping offline at retail stores. However, it relies on internet connectivity, which isn't always available, particularly in underground metro stations and buses. To address this, the card incorporates an offline balance stored within the card itself, dedicated solely for offline transactions. This ensures seamless transactions even in areas with limited internet access, such as underground metros, allowing users to navigate public transportation effortlessly.
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