All About the Transit Functionality on Prepaid Cards

16 April, 2025

Synopsis

• HDFC Bank Millennia and SmartHub Vyapar Prepaid Cards now offer travel functionality and enable fare payments across metros, buses and transit systems.

• These cards provide benefits like cashback, secure transactions and easy expense tracking via NetBanking.

• You can activate the transit feature online and enjoy hassle-free, cashless commuting across multiple transport networks.

HDFC Bank Millennia Prepaid Card and the SmartHub Vyapar Prepaid Card come with various travel functionalities. These cards are designed to facilitate seamless fare payments for metros, buses and other public transportation systems across India. This blog lists everything you need to know about the transit functionalities of Prepaid Cards.

Benefits of Using Prepaid Cards for Travel 

1. HDFC Bank Millennia Prepaid Card: The Millennia Prepaid Card offers various benefits, including cashback on various transactions:

• 5% Cashback on shopping via PayZapp and SmartBuy.

• 2.5% Cashback on all online spends.

• 1% Cashback on all offline spends and wallet reloads.

Additionally, the card can be used across various public transportation networks that accept Prepaid Cards, making it a convenient option for daily commuters. The card is ideal for individuals, students and dependents for planning and managing their monthly budget efficiently.

2. HDFC Bank SmartHub Vyapar Prepaid Card: The SmartHub Vyapar Prepaid Card is tailored for business owners and offers:

• 1% Cashback on selected offline and online spends.

• 5% Cashback on utility payments.

• 1% Cashback on offline and online spends.

The card can be personalised with the cardholder’s name. With a maximum balance limit of ₹2 Lakh, it is widely accepted across POS, e-commerce sites and ATMs, in India. This card is ideal for managing travel expenses and other business-related payments efficiently.

Reasons to Use the Prepaid Card for Transit

Using the Millennia and SmartHub Vyapar Prepaid Cards for transit payments offers several benefits:

• Cashless Convenience: Prepaid Cards eliminate the need to carry cash or use multiple transit cards.

• Time Saving: You need not to wait in long queues for buing metro/bus tickets.

• Expense Management: You can preload funds to maintain better control over travel expenses.

• Wide Acceptance: Prepaid Cards can be used across various public transport.

• Secure Transactions: Seperate wallets within the card to keep the travel funds aside from loaded balance. Maximum Travel balance can be upto Rs. 2,000.

• Easy Monitoring: You can track spending through HDFC Bank’s Prepaid card platform or MyCards.
  
  

How to Activate and Use the Transit Functionality on Prepaid Card? 

To ensure a seamless transit pass integration on Prepaid Card, enable the radio button for Travel wallet while applying for the card.

The transit functionality will be applicable on only RuPay network cards.

Types of Balances on Prepaid Card for Transit 

Your Card can store offline balance on the card chip for metro/Bus travel/ticketing payment. Hence, the card would have distinct balances as indicated below.

• Total Balance - The amount of money available on your Card for usage at POS, Ecom, ATM and Transit.

• Offline/Chip Balance - The amount of money available for transit payments (metro, buses). Maximum chip balance can be Rs. 2000.

• Online / Host balance – The amount available on the card excluding chip balance that can be utilised for retail purchases (POS, E-commerce & ATM)

Host balance = Total Balance – Chip Balance. 

Where Can You Use the Prepaid Card for Transit?

The transit functionality on Prepaid Card allows it to be used across multiple transport systems:

• Public Transportation: Metros and buses in select regions.

• City Transit Pass on Prepaid Card: Purchase daily, weekly, or monthly passes using the card.

• Parking Facilities: Some parking management systems accept Prepaid Card payments.
  
  

How to Use the Prepaid card with transit functionality on Metro station?

Follow the below steps to use the card at metro stations:

Wallet Loading -

• On the receipt of the card, visit the metro station.

• Visit the ticket counter and ask the agent to load the offline/chip balance for travel payments.

• You can either pay via online/ host balance available on the card or pay using other modes.

Usage -

• You can now just Tap the card at entry and exit gates of the metro stations.
  
  

HDFC Bank Prepaid Card - An Ideal Travel Companion 

The Millennia and SmartHub Vyapar Prepaid Cards enhance the commuting experience by simplifying fare payments and reducing reliance on cash. With features like cashback rewards, secure transactions, and easy balance tracking, these cards are valuable tools for both daily commuters and travellers. While acceptance may vary by region, the convenience and benefits offered can make them an ideal choice for managing travel expenses.

Activate the transit functionality on Prepaid Card now for a seamless travel experience.

FAQs 

What is the maximum load limit for the Prepaid Card?

The card can hold a maximum balance of ₹2 Lakh at any given time across all Prepaid Payment Instruments (PPIs) held with the Bank.

Where can I use the Prepaid Card besides transit? 

The card can be used for shopping, dining, travel bookings, bill payments, entertainment, and more.

Can I get a personalised Prepaid Card? 

The Prepaid Card can be personalised with the cardholder’s name.

How can I manage my HDFC Bank Prepaid Card online?

You can manage your Prepaid Card through HDFC Bank’s Prepaid portal or the MyCards.

Are HDFC Bank Prepaid Cards secure for transactions?

These cards offer secure transactions with PIN protection for in-store purchases and OTP authentication for online transactions.

 *Disclaimer: Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. Prepaid Card approvals at the sole discretion of HDFC Bank Limited. Prepaid Card approvals is subject to documentation and verification as per Bank’s requirement. Interest rates are subject to change. Please check with your RM or closest bank branch for current interest rates.