Domestic convenience with a modern twist

Revel in the ease of digital banking with a card that keeps you connected across India. The card integrates the innovative National Common Mobility Card (NCMC) feature, empowering you to use it as a travel card for seamless transit in metros and buses across cities where the service is available.

Key features

Enjoy this card at over 2 lakh ATMs and POS terminals 
in India

Stay secured with enhanced security against fraud

24x7 digital banking and mobile banking benefits

Banking that rewards you 

Discover our special and exclusive offers made for you 

SaffronStays
SaffronStays logo

Book a minimum of 3 nights at SaffronStays and avail a 15% discount up to ₹15,000*

SaffronStays
SaffronStays logo

Book a minimum of 2 nights at SaffronStays and avail a 10% discount up to ₹7,500*

Paneer Wrap
Mc Delivery

Get Big Spicy Paneer Wrap/Big Spicy Chicken Wrap On Purchase of ₹ 399 

Card limits

Cash withdrawal limit

25,000 per day

E-commerce/POS limit

75,000 per day

Charges

  • Card issuance charges - Free
  • Annual maintenance charges (AMC) from second year - ₹200 plus GST
  • Card replacement charges - ₹100 plus GST

24-hour emergency helpline

To block your card or avail assistance, call

+91 802 202 1500

Block your DEBIT CARD through SMS

Send an SMS to +91 988 065 4321

BLOCK XXXX

XXXX is the last 4 digits of the debit card number

Got questions? We’ve got answers

How does a debit card work?

A debit card works as a convenient payment tool linked directly to your bank account. When you make a purchase or withdrawal, it deducts the amount from your available balance. You can use it for in-store or online purchases, at ATMs to withdraw cash, or for contactless payments. It's a secure and efficient way to access your funds without carrying cash.

Cardholders can withdraw up to ₹25,000 per day at all ATMs, with a daily Point of Sale (POS) limit of ₹75,000 at merchant establishments, subject to available account balances.

If you have lost your debit or credit card, or if it has been stolen, you should immediately report the incident to Karnataka Bank to ensure your account's security. You can send an email to info@ktkbank.com detailing the situation. Alternatively, you can call our toll-free customer numbers at 1800 425 1444 or 1800 572 8031. Prompt reporting is crucial to prevent any unauthorized transactions and to secure your account.

Your card will be automatically activated for payment transactions at merchant outlets within 24 hours of your first cash withdrawal transaction at any MoneyPlant ATM or NFS ATM.

Yes, you can generally use your debit card at any ATM. However, using an ATM outside of your bank's network may incur additional fees. Some banks have agreements with other networks for fee-free withdrawals, so it's best to check with your bank for specifics.

A debit card allows you to spend money by drawing on funds you have already deposited in your bank account. In contrast, a credit card lets you borrow money up to a certain limit for purchases, which you'll need to repay with interest if not paid in full by the billing cycle's end.

SMS banking with debit cards typically involves receiving automatic text alerts for transactions made with your card. It can include alerts for withdrawals, purchases, or any other card activity. This service helps in monitoring transactions and quickly detecting any unauthorized use.

An RFID (Radio Frequency Identification) chip in a debit card allows for contactless payments. It uses radio waves to communicate with a card reader when the card is held close to it. This technology enables faster and more convenient transactions without the need to insert the card into a reader.

The CVV (Card Verification Value) is a 3 or 4-digit code on your debit or credit card, used as an additional security measure for online or phone transactions. It helps verify that the card is in the physical possession of the person making the transaction.

To download the KBL Mobile Plus app, visit the Google Play Store or Apple App Store on your mobile device. Search for 'KBL Mobile Plus' in the store, select the app published by Karnataka Bank, and click 'Install' to download it onto your device.

Advantages of KBL MoneyPlant NCMC RuPay Domestic Debit Card


The KBL MoneyPlant NCMC RuPay Domestic Debit Card is a game-changer for daily transactions, offering a wide domestic reach with acceptance at over 2 lakh ATMs and POS terminals. The card integrates the innovative National Common Mobility Card (NCMC) feature, empowering you to use it as a travel card for seamless transit in metros and buses across cities where the service is available. Coupled with enhanced security against fraud and the convenience of 24x7 digital banking, this card is perfect for the dynamic, on-the-go lifestyle of today's India. It's more than just a payment method; it's your companion for secure, effortless, and smart banking wherever you are in the country.


The National Common Mobility Card (NCMC) represents a groundbreaking advancement in India's transportation sector. This innovative card, often referred to as 'One Nation One Card,' is designed to unify and simplify the way people travel across different modes of public transport. By integrating various transport networks, KBL's NCMC debit cards offer unprecedented ease and convenience to commuters. It operates using state-of-the-art near-field communication (NFC) technology, enabling contactless transactions that are both fast and secure.


For credit cards, the interest rate, typically higher due to their unsecured nature, is applied to balances carried beyond the payment due date. Understanding the APR (Annual Percentage Rate) and the interest-free period is crucial for credit card users. Debit cards, however, do not incur interest rates as they utilize funds already in your account. Some banks offer incentives or cashback on debit card transactions, adding a savings element to your spending.


Do monitor your account regularly to keep track of transactions and spot any unauthorized activity quickly. Use secure networks for online transactions. Don't share your card details or PIN with anyone. Be cautious while using your card at ATMs or POS terminals.


Bank cards have become an essential tool in our financial toolkit, offering various forms of convenience and benefits. The most common types include debit cards, which provide direct access to your bank account funds for everyday purchases and ATM withdrawals. Credit cards offer the flexibility of deferred payments, often accompanied by rewards, cashback offers, and a means to build credit history. For controlled spending, prepaid cards are ideal as they limit expenditure to the amount loaded on the card. Business cards cater specifically to the needs of companies and entrepreneurs, streamlining expense management and often offering higher credit limits and detailed spending reports.