Airtel Payments Bank offers three variants of RuPay NCMC Cards: Debit Card, Prepaid Card, and PPI MTS Card. Each variant is designed to cater to different customer needs and use cases, providing varying levels of functionality across transit, PoS, e-commerce, and ATM transactions.

The Debit Card is linked to a Savings Bank Account, the Prepaid Card is associated with a Minimum KYC Wallet, and the PPI MTS Card functions as a standalone Prepaid Payment Instrument. In terms of transaction limits, the Debit Card allows up to ₹2,000 for transit payments, ₹25,000 for PoS and e-commerce transactions, ₹5,000 for contactless PoS payments, and ₹10,000 for ATM withdrawals. The Prepaid Card shares the same limits as the Debit Card, except for ATM transactions, which are not supported. The PPI MTS Card, on the other hand, is limited to ₹2,000 for transit payments only.

All three variants support offline payments for transit systems, enabling seamless and quick commuting. For PoS transactions, both the Debit Card and Prepaid Card can be used in contact and contactless modes, while the PPI MTS Card is not compatible with PoS payments. Online transactions on e-commerce websites are supported by the Debit Card and Prepaid Card but not by the PPI MTS Card. ATM withdrawals are exclusive to the Debit Card, as the other two variants do not support this feature.