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Bank of India Kisan Credit Card (RuPay)
RuPay
Bank of India Kisan Credit Card (RuPay)
Bank of India's Kisan Credit Card on RuPay converts a farmer's sanctioned crop-loan account into a usable plastic card for input purchases and cash withdrawals, following the same nationwide KCC-RuPay template as every other public-sector bank — no card fees, interest subsidized for timely repayment, and a limit reset each crop season against land holding and cropping pattern.
Rates and fees last verified 15 July 2026 · No bank pays us to rank higher.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
0%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to self-employed applicants who clear the standard eligibility bar. It's a lifetime-free card with no fee to track.
Benefits by category
- 🛡️ Insurance
Personal Accident Insurance Scheme cover for the cardholder
- 🌍 Forex / international spend
0% forex markup on international transactions
Eligibility
- Employment: self-employed
- Age: 18–75
Benefits
- Revolving crop-loan cash credit issued on a RuPay Kisan Credit Card, usable at ATMs and POS terminals
- Personal Accident Insurance Scheme cover for the cardholder
Pros
- + Zero joining and annual fees
- + Interest subvention scheme lowers the effective rate for prompt repayers
- + RuPay acceptance nationwide at ATMs and agri-input POS terminals
- + Personal Accident Insurance Scheme cover bundled in
- + Land/crop-based eligibility instead of salary proof
Cons
- − Only usable for agricultural and allied spending
- − Annual limit review tied to crop-cycle scale of finance
- − No cashback, points or lounge-style perks
- − Requires documented land ownership or tenancy