

CATEGORY
Fintech
MY ROLE
Product Designer
TEAM
1 engineer,
1 PD
Problem
Metro commuters and daily shoppers interact with multiple disconnected systems throughout the day, making everyday transactions more fragmented than seamless.
They use different cards for transit and payments.
They rely on apps that don’t talk to each other.
They earn rewards but don’t know how—or where—to claim them.
They miss out on real value because it’s hidden in digital clutter.
As a result, users feel overwhelmed by complexity and underwhelmed by the reward—prompting them to disengage entirely.
What I saw on ground...




Unpacking everyday chaos in metro journeys
As this project kicked off, it became clear that the problem wasn’t just about building a wallet—it was about rethinking how people move through their day. The goal wasn’t to design just another product, but to untangle the small frictions that add up to big frustration.
To understand this better, we spoke to metro riders, small business owners, and frequent digital payment users across Bangalore. What emerged was a surprisingly consistent narrative: the system was designed for convenience, but delivered fragmentation.




Who we were building for
We weren’t designing for "users."
We were designing for people on the move—each with a different rhythm, but the same everyday needs.
To understand them better, we mapped out and spoke with:



From Scattered Journeys to a Single Destination
Orbit was already onto something — a single card that worked across metro, bus, and retail.
But for commuters, the experience still felt fragmented.
There was a gap between the physical card and a meaningful digital experience.

Where I Stepped In
My role wasn’t to invent Orbit.
It was to reimagine its ecosystem — to build the companion app, shape the digital identity, and help the card find its purpose in real people’s pockets.



Rethinking the Card — for Recall & Recognition
The Orbit Card needed a stronger presence — something bold enough to stand out on a crowded metro platform, and simple enough to feel familiar.
I explored multiple color systems, gradients, and brand marks that balanced playfulness and trust.

Amidst scattered payments and forgotten rewards, the idea took shape — a single card, designed to move seamlessly with the user. Ride the metro, shop at local stores, pay online or offline — and earn something real every time.
But a smart card needed a smarter companion
the Orbit app

1% cash back on all your prepaid spends! How cool is that
Cashback on spends

₹ 390 added to prepaid wallet

Transit Simplified
Add Money to your transit wallet and enjoy metro rides upto 15% off
₹ 390 added to transit wallet

₹ 2500 added to prepaid wallet
How it started
Let's Skip the Obvious
By now, we all know how onboarding works in FinTech.

How to get a Virtual card?
Within minutes, users could activate their virtual Orbit Card, ready for online purchases








A user wants to shop online through virtual orbit card





Entry point 1
Entry point 2
Entry point 3
Entry point for getting a physical card



User flow for getting a physical card





We are here to save your time and efforts

Check Balance
Tap your RuPay card at the back of your mobile and tap on check balance to know your transit balance
Update Balance
Tap your RuPay card at the back of
your mobile and tap on update
balance to update your transit balance
Create Service Area
Tap your RuPay card at the back of
your mobile and tap on create any
service area for hassle free travel.

Mufin Pay NCMC Card

Airtel NCMC Card

SBI NCMC Card
Impact
60,000 users onboarded within just 8 months of launch
High virtual card adoption — 75% users transacted within first week
30% drop in onboarding drop-offs after introducing virtual-first flow
35%+ users actively using the card for metro and bus travel
10K+ physical card orders placed via the app
+40% home screen engagement after balance screen revamp
2× faster time-to-first-transaction after UI improvements
USER BASE
CARD
UI
Thank you for reading
Please feel free to connect!