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Indian Overseas Bank Kisan Credit Card (RuPay)
RuPay
Indian Overseas Bank Kisan Credit Card (RuPay)
Indian Overseas Bank's RuPay Kisan Credit Card gives farmer-borrowers across its south-Indian rural network a plastic card against their sanctioned agricultural credit line, useful for input purchases and cash access at RuPay-enabled terminals. It carries the standard KCC-RuPay fee-free pricing with subsidized interest for prompt repayment and a limit reviewed each season against land holding and cropping pattern.
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
- Domestic lounge access: Not offered on Kisan Credit Card RuPay variants
- International lounge access: Not offered
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%–11.3% p.a.
- Fuel surcharge waiver: Not applicable — card is scoped to agricultural input and cash-credit spend, not general retail
- Cash advance charges: Cash withdrawal is the card's primary use against the sanctioned crop-loan limit, at the applicable KCC interest rate rather than a separate cash-advance fee
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 interest subvention scheme
- + RuPay usability at ATMs and agri-input POS terminals
- + Personal Accident Insurance Scheme cover included
- + Eligibility based on land/crop records rather than salary proof
Cons
- − Restricted to agricultural and allied-activity spending
- − Limit reassessed annually against crop-cycle scale of finance
- − No cashback, points or lounge-style benefits
- − Requires proof of land ownership or tenancy