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PNB Kisan Credit Card (RuPay)
RuPay
PNB Kisan Credit Card (RuPay)
PNB issues its Kisan Credit Card on the RuPay network so farmer-borrowers can draw down their sanctioned crop-loan limit at ATMs and merchant terminals rather than only through branch withdrawal slips. It's priced on subsidized agricultural-lending terms rather than card economics — no joining fee, no annual fee, and interest that drops sharply for prompt repayers under the government's interest subvention scheme — with eligibility resting on land records and crop pattern instead of income proof.
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: None
- International lounge access: None
Benefits by category
- 🛡️ Insurance
Personal Accident Insurance Scheme cover bundled with the RuPay KCC as per NABARD guidelines
- 🌍 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.
- Fuel surcharge waiver: 1% fuel surcharge waiver on fuel transactions between ₹500 and ₹3,000, capped at ₹250 per billing cycle
Benefits
- Revolving crop-loan cash credit limit issued as a RuPay Kisan Credit Card, usable for input purchases, ATM withdrawals and POS payments
- Personal Accident Insurance Scheme cover bundled with the RuPay KCC as per NABARD guidelines
Pros
- + No joining or annual fee, in line with NABARD's RuPay KCC mandate
- + Subsidized interest rate for timely repayment under the Modified Interest Subvention Scheme
- + RuPay network acceptance at ATMs and POS terminals nationwide
- + Bundled Personal Accident Insurance Scheme cover
- + Credit assessment based on land holding/crop pattern rather than salary income
Cons
- − Not usable as a general consumer credit card — spend is meant for agricultural inputs and allied needs
- − Limit revised annually against crop-cycle scale of finance, not a static revolving limit
- − No reward points or cashback program
- − Requires proof of land ownership or documented tenancy