Mumbai Metro Card (2026): NCMC Guide

Cards that work on Mumbai Metro

NCMC card (any bank)

Accepted on Line 3 (Aqua Line). Also reported to work on Lines 1, 2A and 7 and on Chalo buses.

Mumbai One app

QR tickets across several operators, including return journeys on Lines 1 and 3.

Key facts

The Maharashtra Chief Minister launched NCMC for Metro Line 3 (Aqua Line).
Line 3 accepts NCMC, paper QR and mobile QR tickets.
Check the gate signage before relying on NCMC across lines run by different operators.

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 Mumbai Metro?

Yes, if it has the NCMC feature (for example RBL Bank RuPay credit cards). Mumbai Metro accepts NCMC cards. Regular credit cards without NCMC can't be tapped at the gates.

Which card should I buy for Mumbai Metro?

NCMC card (any bank): Accepted on Line 3 (Aqua Line). Also reported to work on Lines 1, 2A and 7 and on Chalo buses.

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.

Mumbai Metro Card: NCMC, Credit Cards & How to Pay (2026)