Kochi Metro Card: NCMC, Credit Cards & How to Pay (2026)
Kochi uses the KMRL Axis Bank Kochi1 card, a contactless card with a 20% discount on metro rides. It also works on Kochi Water Metro. We could not confirm full NCMC acceptance from any bank.
Operator: Kochi Metro Rail Limited (KMRL)
Cards that work on Kochi Metro & Water Metro
KMRL Axis Bank Kochi1 card
Contactless card valid for 3 years. 20% discount per ride, plus monthly and bi-monthly trip passes. Works on Kochi Metro and Water Metro.
Key facts
- Kochi1 is valid for 3 years from issue.
Using a credit card on the metro
- RBL Bank RuPay credit cards include the NCMC feature, so you can tap them at NCMC metro gates. The offline wallet holds up to ₹2,000.
- Most other credit cards (Visa, Mastercard and regular RuPay) don't work at metro gates unless they have the NCMC feature. Look for "NCMC" or "RuPay On-the-Go" on the card or in your bank app.
- NCMC debit and prepaid cards are available from many banks, including SBI, HDFC, ICICI and Axis.
How to use an NCMC card
- Top up the card's offline wallet at a station counter, ticket machine or through your bank app (plus the card's own balance for shopping).
- Tap at the entry gate, then tap again at the exit gate. The fare is deducted from the offline wallet.
- Keep a small balance. The offline wallet holds up to ₹2,000.
FAQs
Can I use a credit card on Kochi Metro & Water Metro?
Kochi Metro & Water Metro mainly uses its own city card (KMRL Axis Bank Kochi1 card). We couldn't confirm acceptance of NCMC cards from any bank.
Which card should I buy for Kochi Metro & Water Metro?
KMRL Axis Bank Kochi1 card: Contactless card valid for 3 years. 20% discount per ride, plus monthly and bi-monthly trip passes. Works on Kochi Metro and Water Metro.
Sources
✓ Fact-checked 26 September 2026Transit card rules change as systems upgrade. Confirm at the station or on the operator's website. Spotted a change? Tell us.