Licensed and regulated
OmniCard's operator is authorised by the RBI to issue prepaid payment instruments, and issues RuPay cards, UPI IDs and FASTag directly on NPCI's networks under that licence.
Home/Is OmniCard safe?
Safety and trust
Is OmniCard safe? Licensed, certified and accountable.
Yes. OmniCard is operated by Eroute Technologies Pvt. Ltd., authorised by the Reserve Bank of India as a Prepaid Payment Instrument (PPI) issuer and a direct NPCI issuer for RuPay cards, UPI (@omni) and FASTag. Here is how your money and data are protected, and what to do if something goes wrong.
At a glance.
- Regulated by
- Reserve Bank of India: Eroute Technologies Pvt. Ltd. is an authorised Prepaid Payment Instrument (PPI) issuer
- Issuer
- Direct NPCI issuer for RuPay cards, UPI (@omni) and FASTag, with no sponsor bank in between
- Security certifications
- ISO/IEC 27001, PCI DSS, SOC 2 Type II
- Payment data
- Stored in India
- Company
- Eroute Technologies Pvt. Ltd., Noida, Uttar Pradesh (CIN U72900UP2018PTC109634)
- Support and grievances
- care@omnicard.in · escalations@omnicard.in · Nodal Officer nodal@eroute.in
How your money and data are protected.
Independently certified
ISO/IEC 27001 for information security management, PCI DSS for card data, and a SOC 2 Type II report on how controls worked over time. Payment data is stored in India.
Accountable when things go wrong
A published grievance redressal policy with three escalation levels and time limits, a named nodal officer, and recourse to the RBI Integrated Ombudsman.
Keep your card and account safe.
- 01Never share your OTP, PIN or CVV
Not with anyone, including callers who say they are from OmniCard.
- 02Use the official app
Download OmniCard only from its App Store or Google Play listing, linked at the bottom of this page.
- 03Set your own limits
Set transaction limits for your card from the Cards section of the app.
- 04Lock a lost card at once
Temporarily deactivate or permanently block a card from the Cards section of the app.
- 05Report anything unusual early
Report a transaction you didn't make as soon as you see it, through Report fraud or care@omnicard.in.
Questions people ask.
Is OmniCard safe?
Yes. OmniCard is operated by Eroute Technologies Pvt. Ltd., which is authorised by the Reserve Bank of India as a Prepaid Payment Instrument (PPI) issuer and is a direct NPCI issuer for RuPay cards, UPI (@omni) and FASTag. It holds ISO/IEC 27001, PCI DSS and SOC 2 Type II certifications, payment data is stored in India, and complaints follow a published grievance redressal policy with escalation up to a nodal officer.
Is OmniCard approved by RBI?
Eroute Technologies Pvt. Ltd., the company that operates OmniCard, is authorised by the Reserve Bank of India as a Prepaid Payment Instrument (PPI) issuer. See our RBI licence.
Is OmniCard a bank?
No. OmniCard is not a bank and does not offer credit. It issues prepaid payment instruments (RuPay prepaid cards, UPI on the @omni handle and FASTag) under its RBI PPI licence, directly on NPCI's networks, without a partner bank in between.
Where is my payment data stored?
Payment data is stored in India.
Is OmniCard for businesses or individuals?
OmniCard is built mainly for businesses: spend control, corporate cards, business UPI, reimbursements, bill payments and fleet FASTag. It also issues prepaid gift cards. The same licence, security certifications and grievance process cover both.
What should I do if I see a transaction I didn't make?
Block or deactivate the card from the Cards section of the OmniCard app straight away, then report fraud with the details, or email care@omnicard.in. Report it as early as you can: under our grievance policy, how quickly you report an unauthorised transaction affects your liability.
How do I complain or escalate?
Start with care@omnicard.in or Help & Support in the app (level 1). If you are not satisfied, escalate to escalations@omnicard.in (level 2), then to the Nodal and Grievance Officer at nodal@eroute.in (level 3). If a complaint is not resolved within 30 days, you can approach the RBI Integrated Ombudsman. Time limits for each level are in our grievance redressal policy.
How can I tell I'm talking to the real OmniCard?
Use only the contact details published on omnicard.in, and download the app only from its App Store or Google Play listing. Don't share your OTP, PIN or CVV with anyone, including callers who say they are from OmniCard.
Go deeper.
THE PPI LICENCE AND DIRECT NPCI ISSUANCEOur RBI licenceOpen →HOW WE ISSUE DIRECTLY ON NPCIOur infrastructureOpen →ESCALATION LEVELS, TIME LIMITS AND CUSTOMER LIABILITYGrievance redressalOpen →TELL US ABOUT A TRANSACTION YOU DIDN'T MAKEReport fraudOpen →LOG A COMPLAINT WITH OUR SUPPORT TEAMRaise a complaintOpen →HOW WE HANDLE YOUR DATAPrivacy policyOpen →CARDS, KYC, LIMITS AND MOREFAQsOpen →