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Central Bank of India Kisan Credit Card (RuPay)
RuPay
Central Bank of India Kisan Credit Card (RuPay)
Central Bank of India's Kisan Credit Card on RuPay gives farmer-borrowers a swipeable card against their sanctioned crop-loan limit, useful for buying agricultural inputs at RuPay POS terminals or drawing cash without a branch visit. Pricing follows the standard KCC-RuPay structure — no fees, subsidized interest for timely repayment — with the limit reassessed against land holding and crop pattern each season.
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.
Rewards & benefits
- Rewards rate: 0% base rate
- Insurance benefits: Personal Accident Insurance Scheme (PAIS) cover bundled for the cardholder, standard across RuPay Kisan Credit Cards.
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
Fees & charges
- Foreign currency markup: 0%
- Interest rate: 7%–12% p.a.
Benefits
- Revolving crop-loan cash credit issued as a RuPay Kisan Credit Card, usable at ATMs and POS terminals
- Personal Accident Insurance Scheme cover for the cardholder
Pros
- + No joining or annual fee
- + Interest subvention lowers the effective rate for prompt repayers
- + RuPay usability at ATMs and agri-input POS terminals
- + Bundled Personal Accident Insurance Scheme cover
- + Land/crop-based eligibility rather than salary proof
Cons
- − Only usable for agricultural and allied spending
- − Limit reset annually against seasonal scale of finance
- − No rewards, points or cashback
- − Needs documented land ownership or tenancy