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Indian Bank Kisan Credit Card (RuPay)
RuPay
Indian Bank Kisan Credit Card (RuPay)
Indian Bank's RuPay Kisan Credit Card lets farmer-borrowers access their sanctioned agricultural credit line as a plastic card rather than through repeated branch transactions, with wide use across south and east India where the bank has a strong rural branch network. It carries the standard KCC-RuPay terms — zero fees and subsidized interest for prompt repayment — with limits reviewed 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 accessible via a RuPay Kisan Credit Card at ATMs and POS terminals
- Personal Accident Insurance Scheme cover for the cardholder
Pros
- + No joining or annual fee
- + Subsidized interest rate for timely repayers under the government's scheme
- + RuPay acceptance at ATMs and POS terminals for input purchases
- + Personal Accident Insurance Scheme cover included
- + Eligibility via land and crop records, not income documentation
Cons
- − Restricted to agricultural and allied spending
- − Annual limit revision tied to crop-cycle scale of finance
- − No cashback or reward points
- − Requires proof of land ownership or tenancy