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

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