FAQ's

What is RuPay Contactless card?

RuPay Contactless is a card which allows you to make payments in fraction of seconds, just by tapping the card on the card reader (supporting contactless transactions). You don’t need to enter the PIN for completing contactless payments below ₹ 5000. Above ₹ 5000, you can still tap the card to make contactless payments, but PIN entry is mandatory.

How does contactless technology functions?

RuPay Contactless is a card which allows you to make payments in fraction of seconds, just by tapping the card on the card reader (supporting contactless transactions). You don’t need to enter the PIN for completing contactless payments below ₹ 5000. Above ₹ 5000, you can still tap the card to make contactless payments, but PIN entry is mandatory.

Why should I use RuPay Contactless card?

RuPay Contactless is a card which allows you to make payments in fraction of seconds, just by tapping the card on the card reader (supporting contactless transactions). You don’t need to enter the PIN for completing contactless payments below ₹ 5000. Above ₹ 5000, you can still tap the card to make contactless payments, but PIN entry is mandatory.

What is the difference between a regular RuPay Card and a RuPay Contactless card?

RuPay Contactless is a card which allows you to make payments in fraction of seconds, just by tapping the card on the card reader (supporting contactless transactions). You don’t need to enter the PIN for completing contactless payments below ₹ 5000. Above ₹ 5000, you can still tap the card to make contactless payments, but PIN entry is mandatory.

How do I know if my RuPay Card is a contactless card?

RuPay Contactless is a card which allows you to make payments in fraction of seconds, just by tapping the card on the card reader (supporting contactless transactions). You don’t need to enter the PIN for completing contactless payments below ₹ 5000. Above ₹ 5000, you can still tap the card to make contactless payments, but PIN entry is mandatory.

Will all Point of Sale terminal accept my RuPay Contactless card?

RuPay Contactless is a card which allows you to make payments in fraction of seconds, just by tapping the card on the card reader (supporting contactless transactions). You don’t need to enter the PIN for completing contactless payments below ₹ 5000. Above ₹ 5000, you can still tap the card to make contactless payments, but PIN entry is mandatory.

What are the key features of RuPay Contactless?

RuPay Contactless is a card which allows you to make payments in fraction of seconds, just by tapping the card on the card reader (supporting contactless transactions). You don’t need to enter the PIN for completing contactless payments below ₹ 5000. Above ₹ 5000, you can still tap the card to make contactless payments, but PIN entry is mandatory.

What are offline contactless payments?

RuPay Contactless is a card which allows you to make payments in fraction of seconds, just by tapping the card on the card reader (supporting contactless transactions). You don’t need to enter the PIN for completing contactless payments below ₹ 5000. Above ₹ 5000, you can still tap the card to make contactless payments, but PIN entry is mandatory.

Can I reload the card balance?

RuPay Contactless is a card which allows you to make payments in fraction of seconds, just by tapping the card on the card reader (supporting contactless transactions). You don’t need to enter the PIN for completing contactless payments below ₹ 5000. Above ₹ 5000, you can still tap the card to make contactless payments, but PIN entry is mandatory.

How do I reload card balance?

RuPay Contactless is a card which allows you to make payments in fraction of seconds, just by tapping the card on the card reader (supporting contactless transactions). You don’t need to enter the PIN for completing contactless payments below ₹ 5000. Above ₹ 5000, you can still tap the card to make contactless payments, but PIN entry is mandatory.

Where can I use my RuPay NCMC Contactless cards?

RuPay Contactless is a card which allows you to make payments in fraction of seconds, just by tapping the card on the card reader (supporting contactless transactions). You don’t need to enter the PIN for completing contactless payments below ₹ 5000. Above ₹ 5000, you can still tap the card to make contactless payments, but PIN entry is mandatory.

When I dip/swipe my RuPay NCMC Contactless card for payment, will it reduce my card balance?

RuPay Contactless is a card which allows you to make payments in fraction of seconds, just by tapping the card on the card reader (supporting contactless transactions). You don’t need to enter the PIN for completing contactless payments below ₹ 5000. Above ₹ 5000, you can still tap the card to make contactless payments, but PIN entry is mandatory.

Can RuPay NCMC Contactless Cards be issued in Debit/Credit/Prepaid variants?

RuPay Contactless is a card which allows you to make payments in fraction of seconds, just by tapping the card on the card reader (supporting contactless transactions). You don’t need to enter the PIN for completing contactless payments below ₹ 5000. Above ₹ 5000, you can still tap the card to make contactless payments, but PIN entry is mandatory.

What are the channels across which RuPay Contactless card can be used?

RuPay Contactless is a card which allows you to make payments in fraction of seconds, just by tapping the card on the card reader (supporting contactless transactions). You don’t need to enter the PIN for completing contactless payments below ₹ 5000. Above ₹ 5000, you can still tap the card to make contactless payments, but PIN entry is mandatory.

Can all Banks issue Rupay Contactless cards?

RuPay Contactless is a card which allows you to make payments in fraction of seconds, just by tapping the card on the card reader (supporting contactless transactions). You don’t need to enter the PIN for completing contactless payments below ₹ 5000. Above ₹ 5000, you can still tap the card to make contactless payments, but PIN entry is mandatory.

Can I use my RuPay Contactless card to make a purchase of more than ₹ 5000/-?

RuPay Contactless is a card which allows you to make payments in fraction of seconds, just by tapping the card on the card reader (supporting contactless transactions). You don’t need to enter the PIN for completing contactless payments below ₹ 5000. Above ₹ 5000, you can still tap the card to make contactless payments, but PIN entry is mandatory.

Do I need to enter the PIN while using RuPay Contactless Card?

RuPay Contactless is a card which allows you to make payments in fraction of seconds, just by tapping the card on the card reader (supporting contactless transactions). You don’t need to enter the PIN for completing contactless payments below ₹ 5000. Above ₹ 5000, you can still tap the card to make contactless payments, but PIN entry is mandatory.

Can I use my RuPay Contactless card outside India?

RuPay Contactless is a card which allows you to make payments in fraction of seconds, just by tapping the card on the card reader (supporting contactless transactions). You don’t need to enter the PIN for completing contactless payments below ₹ 5000. Above ₹ 5000, you can still tap the card to make contactless payments, but PIN entry is mandatory.

Would I unknowingly make a purchase if I come across the contactless card reader?

RuPay Contactless is a card which allows you to make payments in fraction of seconds, just by tapping the card on the card reader (supporting contactless transactions). You don’t need to enter the PIN for completing contactless payments below ₹ 5000. Above ₹ 5000, you can still tap the card to make contactless payments, but PIN entry is mandatory.

Will I be charged additionally for making contactless payments?

RuPay Contactless is a card which allows you to make payments in fraction of seconds, just by tapping the card on the card reader (supporting contactless transactions). You don’t need to enter the PIN for completing contactless payments below ₹ 5000. Above ₹ 5000, you can still tap the card to make contactless payments, but PIN entry is mandatory.

Is my Rupay Contactless card protected from the threat of frauds?

RuPay Contactless is a card which allows you to make payments in fraction of seconds, just by tapping the card on the card reader (supporting contactless transactions). You don’t need to enter the PIN for completing contactless payments below ₹ 5000. Above ₹ 5000, you can still tap the card to make contactless payments, but PIN entry is mandatory.

How will I know if the transaction is successful?

RuPay Contactless is a card which allows you to make payments in fraction of seconds, just by tapping the card on the card reader (supporting contactless transactions). You don’t need to enter the PIN for completing contactless payments below ₹ 5000. Above ₹ 5000, you can still tap the card to make contactless payments, but PIN entry is mandatory.

What if I wave the card more than twice at the terminal? Will I be charged repeatedly?

RuPay Contactless is a card which allows you to make payments in fraction of seconds, just by tapping the card on the card reader (supporting contactless transactions). You don’t need to enter the PIN for completing contactless payments below ₹ 5000. Above ₹ 5000, you can still tap the card to make contactless payments, but PIN entry is mandatory.

What is the validity period of my card?

RuPay Contactless is a card which allows you to make payments in fraction of seconds, just by tapping the card on the card reader (supporting contactless transactions). You don’t need to enter the PIN for completing contactless payments below ₹ 5000. Above ₹ 5000, you can still tap the card to make contactless payments, but PIN entry is mandatory.

What should I do if my card is lost?

RuPay Contactless is a card which allows you to make payments in fraction of seconds, just by tapping the card on the card reader (supporting contactless transactions). You don’t need to enter the PIN for completing contactless payments below ₹ 5000. Above ₹ 5000, you can still tap the card to make contactless payments, but PIN entry is mandatory.

What should I do if my card is damaged or I want to replace my card?

RuPay Contactless is a card which allows you to make payments in fraction of seconds, just by tapping the card on the card reader (supporting contactless transactions). You don’t need to enter the PIN for completing contactless payments below ₹ 5000. Above ₹ 5000, you can still tap the card to make contactless payments, but PIN entry is mandatory.

How can I close my card?

RuPay Contactless is a card which allows you to make payments in fraction of seconds, just by tapping the card on the card reader (supporting contactless transactions). You don’t need to enter the PIN for completing contactless payments below ₹ 5000. Above ₹ 5000, you can still tap the card to make contactless payments, but PIN entry is mandatory.

What should I do if Pass writing fails and I have paid using cash?

RuPay Contactless is a card which allows you to make payments in fraction of seconds, just by tapping the card on the card reader (supporting contactless transactions). You don’t need to enter the PIN for completing contactless payments below ₹ 5000. Above ₹ 5000, you can still tap the card to make contactless payments, but PIN entry is mandatory.

How to manage my card balance in case of joint account ?

RuPay Contactless is a card which allows you to make payments in fraction of seconds, just by tapping the card on the card reader (supporting contactless transactions). You don’t need to enter the PIN for completing contactless payments below ₹ 5000. Above ₹ 5000, you can still tap the card to make contactless payments, but PIN entry is mandatory.

Do I earn Interest on card balance?

RuPay Contactless is a card which allows you to make payments in fraction of seconds, just by tapping the card on the card reader (supporting contactless transactions). You don’t need to enter the PIN for completing contactless payments below ₹ 5000. Above ₹ 5000, you can still tap the card to make contactless payments, but PIN entry is mandatory.

If my PIN is blocked, can I use RuPay Contactless cards for contactless payments?

RuPay Contactless is a card which allows you to make payments in fraction of seconds, just by tapping the card on the card reader (supporting contactless transactions). You don’t need to enter the PIN for completing contactless payments below ₹ 5000. Above ₹ 5000, you can still tap the card to make contactless payments, but PIN entry is mandatory.

Will I get account statement of all Contactless payments?

RuPay Contactless is a card which allows you to make payments in fraction of seconds, just by tapping the card on the card reader (supporting contactless transactions). You don’t need to enter the PIN for completing contactless payments below ₹ 5000. Above ₹ 5000, you can still tap the card to make contactless payments, but PIN entry is mandatory.

RuPay Contactless is a card which allows you to make payments in fraction of seconds, just by tapping the card on the card reader (supporting contactless transactions). You don’t need to enter the PIN for completing contactless payments below ₹ 5000. Above ₹ 5000, you can still tap the card to make contactless payments, but PIN entry is mandatory.

Contactless card is a chip card with an inbuilt radio frequency antenna. This antenna uses Near Field Communication (NFC) technology to establish a secure connection with contactless reader to transmit payment related data. Hence, contactless card need not to be in contact with the reader, a simple tap on the reader will initiate a transaction.

  • It provides you a single payment platform for making payments across end to end everyday needs.
  • You need not have to worry about carrying cash for small value payments. Additionally, you are free from fear of getting fake notes and lost or theft of cash.
  • You can keep a digital trail of your purchases.
  • You don’t need to wait in long queues because contactless transactions are super quick and can be completed in less than a second.

  • RuPay Contactless is a Dual Interface card which supports both contact and contactless transactions, whereas a regular RuPay (EMV/Chip card) can only support Contact transactions.

  • To know if the card is RuPay contactless, you need to check for the contactless indicator, published on its front.

  • NPCI requires all contactless/dual interface RuPay payment devices to carry RuPay Contactless Indicator for supporting contactless payments. If the indicator is present, you can make “Contactless” payments, whereas if the indicator is absent, you have to swipe/ dip the card and enter 4 digits PIN to make payment.

  • Key Functions
  • Dual Interface
  • Card Balance
  • Pass writing
  • RuPay Contactless Proposition

In Bank of India, currently there is only one Rupay Debit card which supports both Offline (Contact & Contactless) & Online transactions ie. Rupay NCMC Debit card.

In the case of Rupay NCMC Debit card,

  • There is a provision of storing money on the card which can be used to initiate contactless payments (offline payments) across various use cases like transit, retail, toll, parking, etc. which is also referred as Card Balance or Offline Wallet.
  • It is a unique feature that enables customers to use the card for merchant/operator specific application e.g. travel passes, season tickets, etc.

  • The key feature of NCMC Card is offline payments which reduces the dependency on network connectivity. Offline payments do not require an online connectivity with the card issuing bank, hence you don’t need to enter 4 digit pin. Card balance entered on card is used to make such payments. For more information, please refer FAQs on Offline Wallet.

  • Yes, you can top up/ reload the card balance before it exhausts, so as to make seamless contactless payments.

Card balance can be topped up via “Money Add” channels, which can be done in following ways:

  • Money Add Cash- You may approach a merchant or kiosk authorized to top up the card balance (money load transaction). You have to pay the amount to be topped-up in cash to the merchant/operator and the operator will perform a money add transaction from POS device to top-up the card balance.
  • Money Add Account- You may approach merchant/operator or kiosk to top up the card using savings account. The operator will initiate this money add from POS device to top-up the card balance. The top-up amount will be deducted from primary account and get added to the card balance.
  • Money Add via digital channels- Currently not supported by BOI Rupay NCMC Debit Card.

  • Transit fare payment system including metros, buses etc.
  • Toll payments
  • Parking area payments
  • Restaurants and other retail outlets

  • When you dip/swipe your card, it will use your primary account balance; not your card balance. Card balance is used for offline payments only. Primary account balance (i.e. current/ saving account) is debited for all online transactions e.g. Retail, ATM, e-commerce etc.
  • The offline wallet balance is debited for all offline contactless transactions of low value payments in transit, para transit as well as retail for eg metro, bus, toll, parking, retail stores, OMCs, etc.

  • Currently, BOI is issuing Rupay NCMC Contactless cards in debit variant.

  • RuPay Contactless cards can be used across ATM, POS and Ecommerce websites to make payments.

  • Banks which are certified by NPCI can issue RuPay Contactless cards.

  • Yes, you can use your RuPay Contactless card irrespective of the value of transaction. For Transactions above ₹ 5000, both contact and contactless payments can be made, but with PIN

  • For all contactless transactions up to ₹ 5000 PIN is not required.
  • For all the transactions above ₹ 5000, you may choose to dip/tap the card followed by mandatory PIN entry.

  • No.

  • No, the operator must enter the payment amount for initiating the transaction. Also, the card or device has to be held within 4 cm of the card reader to make any payment.

  • No. There are no additional charges levied to make a contactless payment.

  • Yes, your RuPay contactless card is as secure as any other RuPay card. It contains a highly secure EMV chip, hence it cannot be cloned easily. Also, you need not have to handover the card to anybody, just have to tap the card for completing the transaction.

  • If the transaction is successful, terminal/ device will display the message. Also, you may receive charge slip after doing the transaction.

  • No. Once a payment is successful (one tap or two tap, depending upon transactions), a new payment transaction has to be initiated from the reader by entering the amount. Multiple taps will not result in deducting the amount more than once.

  • The Card is valid up to expiry date as mentioned on the card.

  • As a cardholder, you are responsible for the security of the card. If the card is lost or stolen, you should report the loss/ theft to issuer’s customer care centre. Card Issuer bank, upon adequate verification shall hotlist the card and terminate all online facilities on the card. Balance in the wallet of the card shall not be refunded back. Card holder can hotlist the card by himself/herself using online channels.

  • Please visit your nearest Bank branch and surrender your card along with new replacement request form. Replacement charges will be applicable.

  • Card can be closed by choosing any one of the below method:- IVR, Mobile Banking, SMS and visiting nearest branch.

  • In case the Pass writing (monthly passes etc.) fails and you have paid via cash then you have to present the slip, given at the time of Pass writing to merchant/operator. Merchant will validate the existing Pass on the card. Basis this, he may decide to re-write the pass on the card.

  • As the card balance is specific to the physical card, it will be managed separately for you and your joint account holder. You will not be able to use the card balance of the other joint account holder using your card

  • You will not get any interest on the card balance as it is being treated as prepaid payment instrument.

  • Yes, all the contactless payments can be done without entering the PIN.

  • For statements, please get in touch with your issuing Bank.

Does customer require to activate the Offline Wallet?

  • Yes. Offline Wallet is in inactive mode when received by customer. Firstly, customer must enable contactless feature via Mobile Application, IVR or ATM and then activate the Offline Wallet by visiting transit operator’s terminal (metro) and performing either of the two transactions i.e. Add Money & Service Creation. Service Area Creation has to be done before travelling in metro.
How can a customer add money to the Offline Wallet?

  • Yes. Offline Wallet is in inactive mode when received by customer. Firstly, customer must enable contactless feature via Mobile Application, IVR or ATM and then activate the Offline Wallet by visiting transit operator’s terminal (metro) and performing either of the two transactions i.e. Add Money & Service Creation. Service Area Creation has to be done before travelling in metro.
How can a customer create the service area on card?

  • Yes. Offline Wallet is in inactive mode when received by customer. Firstly, customer must enable contactless feature via Mobile Application, IVR or ATM and then activate the Offline Wallet by visiting transit operator’s terminal (metro) and performing either of the two transactions i.e. Add Money & Service Creation. Service Area Creation has to be done before travelling in metro.
How can a customer enquire the balance on the Offline Wallet?

  • Yes. Offline Wallet is in inactive mode when received by customer. Firstly, customer must enable contactless feature via Mobile Application, IVR or ATM and then activate the Offline Wallet by visiting transit operator’s terminal (metro) and performing either of the two transactions i.e. Add Money & Service Creation. Service Area Creation has to be done before travelling in metro.
What is the maximum top up limit of card balance in BOI Rupay NCMC Debit Card wallet?

  • Yes. Offline Wallet is in inactive mode when received by customer. Firstly, customer must enable contactless feature via Mobile Application, IVR or ATM and then activate the Offline Wallet by visiting transit operator’s terminal (metro) and performing either of the two transactions i.e. Add Money & Service Creation. Service Area Creation has to be done before travelling in metro.
How to update the Balance on the Offline Wallet?

  • Yes. Offline Wallet is in inactive mode when received by customer. Firstly, customer must enable contactless feature via Mobile Application, IVR or ATM and then activate the Offline Wallet by visiting transit operator’s terminal (metro) and performing either of the two transactions i.e. Add Money & Service Creation. Service Area Creation has to be done before travelling in metro.
How to spend the money via Offline Wallet?

  • Yes. Offline Wallet is in inactive mode when received by customer. Firstly, customer must enable contactless feature via Mobile Application, IVR or ATM and then activate the Offline Wallet by visiting transit operator’s terminal (metro) and performing either of the two transactions i.e. Add Money & Service Creation. Service Area Creation has to be done before travelling in metro.
How to Block the Offline Wallet?

  • Yes. Offline Wallet is in inactive mode when received by customer. Firstly, customer must enable contactless feature via Mobile Application, IVR or ATM and then activate the Offline Wallet by visiting transit operator’s terminal (metro) and performing either of the two transactions i.e. Add Money & Service Creation. Service Area Creation has to be done before travelling in metro.
Can I transfer funds from card Wallet to my primary account?

  • Yes. Offline Wallet is in inactive mode when received by customer. Firstly, customer must enable contactless feature via Mobile Application, IVR or ATM and then activate the Offline Wallet by visiting transit operator’s terminal (metro) and performing either of the two transactions i.e. Add Money & Service Creation. Service Area Creation has to be done before travelling in metro.

  • Yes. Offline Wallet is in inactive mode when received by customer. Firstly, customer must enable contactless feature via Mobile Application, IVR or ATM and then activate the Offline Wallet by visiting transit operator’s terminal (metro) and performing either of the two transactions i.e. Add Money & Service Creation. Service Area Creation has to be done before travelling in metro.

  • Customer is required to do Add Money transaction either by depositing cash or with same debit card at the designated terminals located at Metro stations/Bus stations etc.

  • Customer should place request for creation of services by taking the card to the designated terminal of transit operator for desired service. Service Creation refers to merchant specific services such as monthly Metro pass. (After activation of the Offline Wallet of the card, by completing above step, customer is free to do Add Money at the designated terminals located at Metro Stations/Bus Stations etc.)

  • POS terminals of designated Transport Operators can display the balance of Offline wallet. Similarly, after Offline wallet transactions, wherever a receipt is generated it will provide the latest balance of the offline wallet.

  • You are allowed to top up the card wallet to a maximum value of ₹ 500. At any given point of time, wallet balance should not exceed ₹ 500.

  • POS terminals of designated Transport Operators or any NCMC enabled POS machine can be used to perform Add Money transaction to update the Balance on the Offline Wallet.

  • Customer can use the card for metro transit cases or for any other transit wherever NCMC card is accepted. In case of metro, at entry gate of metro station, he/she is required to tap the card at designated device and can start the journey. Once the journey is accomplished, he/she must tap the card again at the exit gate. AFC (Automatic Fare Calculator) System of metro will calculate the fare and deduct the amount from offline wallet.

  • Offline wallet balance cannot be blocked and is liable for misuse if lost/misplaced/stolen. Bank will not bear any liability for the residual balance on the wallet if card is lost and misused.

  • No, you will not be allowed to transfer back the fund from card wallet to the main account.