Lucknow, Kanpur & Agra Metro Card: NCMC, Credit Cards & How to Pay (2026)
UPMRC's NCMC GoSmart card works on Lucknow, Kanpur and Agra Metro, and NCMC riders get a 10% discount on every ride.
Operator: Uttar Pradesh Metro Rail Corporation (UPMRC)
Cards that work on UP Metro
UPMRC NCMC GoSmart card
Buy, recharge and service at all Lucknow, Kanpur and Agra Metro stations. 10% discount per ride.
Any bank's NCMC card
Accepted, subject to interoperability with UPMRC's system.
Key facts
- The GoSmart NCMC card was launched in Kanpur, then extended to Agra and Lucknow.
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 UP Metro?
Yes, if it has the NCMC feature (for example RBL Bank RuPay credit cards). UP Metro accepts NCMC cards. Regular credit cards without NCMC can't be tapped at the gates.
Which card should I buy for UP Metro?
UPMRC NCMC GoSmart card: Buy, recharge and service at all Lucknow, Kanpur and Agra Metro stations. 10% discount per ride.
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.