All cards / Punjab & Sind Bank
Punjab & Sind Bank Kisan Credit Card (RuPay)
RuPay
Punjab & Sind Bank Kisan Credit Card (RuPay)
Punjab & Sind Bank's Kisan Credit Card on RuPay serves its Punjab and north-Indian agricultural customer base with a swipeable card against their sanctioned crop-loan limit, useful for input purchases and cash withdrawal at RuPay-enabled terminals. It follows the standard KCC-RuPay terms — no fees, subsidized interest for prompt repayment, and a limit reassessed 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%–12% 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 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 brings down the effective rate for timely repayers
- + RuPay acceptance at ATMs and agri-input POS terminals
- + Personal Accident Insurance Scheme cover bundled in
- + Land/crop-based eligibility rather than income proof
Cons
- − Only usable for agricultural and allied spending
- − Annual limit review tied to crop-cycle scale of finance
- − No cashback or reward-point program
- − Requires documented land ownership or tenancy