I have this IRCTC UBI prepaid card on 27.10.16.It was likely good.Because like a credit card and I have bought many tickets from IRCTC website with the help of this card.But this card was not a good facility like tatkal booking.And it is very bad experienced to cut extra additional service charges with all tickets.I request to the UBI Bank to clear this problem.Otherwise many people to refuse and return this card.