DR Ambedkar IAS Academy

National Common Mobility Card:‘One Nation One Card’


The National Common Mobility Card (NCMC) has been launched in India with the tagline of ‘One Nation One Card’ on March 04, 2019.

->The card was launched in association with the State Bank of India (SBI).

->This ‘One Nation One Card’ has been developed by the Ministry of Housing and Urban Affairs (MoHUA).


It is aimed at low-value payments for many segments such as Transit, Smart cities, Toll, Parking and other low value merchant payments or day to day retail payments.


The NCMC card has 2 instruments on it – a regular debit card which can be used at an ATM, and a local wallet (stored value account), which can be used for contactless payments, without the need to go back to the server or additional authentication.

It is envisioned that a single card will be usable for all local travel needs across the country.


->The National Common Mobility Card will be issued by all banks as debit, credit, and pre-paid cards.

->In the form of debit, credit or prepaid card, this RuPay Contactless Card with NCMC is now available with almost 25 large banks.

->It can also be issued from the Paytm Payments Bank.

->It allows cardholders to store their transit passes on the card, provides multiple ways to top-up the offline balance on the card and it can be accepted at participating public transport operators (PTOs) across the country.

->Visa contactless cards also support the next generation of account-based ticketing (ABT) models that have been adopted by leading metros across the world.

->In the ABT model, consumers can turn up and ride with their existing Visa contactless card, allowing for a seamless payment experience.

->Customers need to get in touch with their bank to get the RuPay card.

->You will just be needing one single card for making payments across all segments. This includes metro, bus, suburban railways, toll, parking, e-commerce sites, and smart city.

->Apart from the payment options, this inter-operable transport ‘One Nation One Card’, will also let you withdraw money from ATM.

->Consumers may benefit from loyalty or reward points from partner banks, as provided in case of Debit and Credit cards

->This One Nation One Card is supported by Automatic Fare Collection Gate ‘SWAGAT’(Swachalit Gate) and an Open Loop Automatic Fare Collection System ‘SWEEKAR’(Swachalit Kiraya: Automatic Fare Collection System), that was launched Under the ‘Make in India’ initiative.

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