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Delhi Metro: Pioneering Seamless Travel Payments

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The Delhi Metro Rail Corporation (DMRC) intends to gradually substitute Closed Loop Delhi Metro Smart Cards with Open Loop National Common Mobility Cards (NCMC). The move allows customers to use the same card for both metro and bus journeys nationwide within the NCMC-compliant system. The transport card enables users to make payments for various services, including transit fares, tolls (toll tax), cash withdrawals, and more.

Image credits: Adapted from National Payments Corporation of India

Customers will benefit from the convenience of using their bank-issued NCMC card for making fare payments, ensuring a seamless and efficient transaction process. The NCMC system actively encourages a cashless environment, aligning with modern payment trends and contributing to a more secure and streamlined travel experience. Additionally, users can easily recharge their NCMC online or at designated recharge points, providing a hassle-free and straightforward approach to managing their cards. This integrated set of features enhances the overall ease and efficiency of utilising the NCMC system for transportation needs.

DMRC has communicated that it is not encountering any delays or challenges in implementing NCMC, citing compliance with guidelines from the Reserve Bank of India (RBI). Additionally, other metro rail systems are gradually transitioning from the Closed Loop Card System to NCMC.

NCMC, issued by banks, is a prepaid and secure dual EMV card that ensures a high level of security and reliability in transactions. It is linked to the Paytm Payments Bank wallet, offering versatile utility for various purposes such as travel, in-store payments, and online shopping, among others.

NCMC is universally accepted for all retail point-of-sale (POS) devices, providing a broader scope of usability. In contrast, closed-loop cards are limited to acceptance only within their specific operating environments.

Launched in 2015, the Digital India programme is a comprehensive initiative aimed at ensuring digital access, inclusion, and empowerment, fostering a knowledge-based economy and a digitally empowered society by uniting a myriad of ideas for widespread development and efficient service delivery to all citizens.

In line with the Digital India vision, the National Common Mobility Card (NCMC), introduced in 2019 as part of the “Make in India” initiative by the Ministry of Housing & Urban Affairs (MoHUA), seeks to address cash payment challenges in transportation, establishing an affordable and reliable system spanning all modes of transit.

The project’s ultimate objective is to introduce the “One Nation One Card” for seamless transit transactions while extending the utility of NCMC for low-value offline retail transactions, furthering the objectives of the Digital India initiative.

Countries across the world are integrating technology into public transportation systems, enhancing travel experiences by making them more convenient and efficient. Earlier this year, the Viet-Smart Travel Card was launched by the Tourism Information Technology Centre (TITC) under the Vietnam National Administration of Tourism.

Developed under the “Vietnamese Card – One National Card” initiative led by the Ministry of Industry and Trade, the Smart Travel Card provides users with the convenience of one-touch and online payment capabilities. Apart from transportation and tourism, it seamlessly integrates into healthcare, banking, trade, and education services.

The Smart Travel Card is incorporated into the “Vietnam Travel” application. By downloading the app, tourists not only acquire smart travel cards but also unlock a wide array of technological features. These include the capability to book airline tickets and hotels, purchase e-tickets, access digital tourist maps, and search for businesses offering travel-related services.

In August, the Nelson City Council in New Zealand unveiled the Ebus OnDemand application, providing passengers with a convenient and efficient means to request bus rides through a mobile app or by calling a dedicated number.

As OpenGov Asia reported, the OnDemand service aims to broaden access, serving a larger population through flexible operations tailored to passengers’ preferred travel destinations rather than adhering to a fixed route that may only cater to certain areas of the community. The service expands travel possibilities, reaching destinations as far as Marsden Valley Road and Monaco. Passengers benefit from precise arrival information, significantly reducing waiting times and enhancing overall travel experience.

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