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.
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.
Please click on the link below for the list of Banks issuing RuPay Contactless card: https://www.npci.org.in/live-members-2
Key Functions
Dual Interface
Card Balance
Pass writing
RuPay Contactless Proposition
Supports both offline(Contactless) & online(Contact & Contactless) transactions
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 Contactless 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 is used to make such payments.
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- You have to initiate a fund transfer from your primary account balance to the card balance using the internet/mobile banking facility provided by your card issuing bank. Post successful fund transfer, you have to go to a particular touch point and tap your card against an online card reader. A balance update transaction will have to be done to update this top-up amount in card balance.
You are allowed to top up the card wallet to a maximum value of ₹ 2000. At any given point of time, wallet balance should not exceed ₹ 2000.
You have to reach out to respective merchant/operator for creating a pass like transit passes/ seasonal tickets on your card. The Pass writing has to be done by the respective merchant/operator.
Maximum of 20 passes including seasonal tickets can be written on the card.
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.
Yes, RuPay Contactless card is available on all the three variants Debit, Prepaid and Credit cards.
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. To know about the certifications involved, interested banks can connect to NPCI team or write to rupay@npci.org.in.
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.
Yes, this card can be used outside India. The processing is as per regular transaction i.e. by dipping/swiping and entering the PIN.
No, the operator must enter the payment amount for initiating the transaction. Also, the card or device has to be held within 4 inches 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.
Please visit your nearest Bank branch and surrender your card. If the card balance enquiry is possible at the Bank branch level, you will instantly get the refund. If balance inquiry is not possible, card balance amount may be refunded based on latest balance available in your card balance as per issuer bank’s records (virtual account) after 4 days.
Please visit the nearest Bank branch and surrender your card. If the card balance enquiry is possible, you will instantly get the refund. In case if the balance enquiry is not feasible, card balance amount may be refunded to your primary account after a cooling period of upto 4 days.
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.
No, you will not be allowed to transfer back the fund from card wallet to the main account. This transfer can be done at the time of card closure only.
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.