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SBI Kisan Credit Card (RuPay)
RuPay
SBI Kisan Credit Card (RuPay)
SBI's Kisan Credit Card on the RuPay network is not a consumer rewards card — it's a subsidized, revolving agricultural credit line that gives farmers a physical RuPay card to draw against their sanctioned crop-loan limit at ATMs and merchant terminals instead of visiting a branch each time. Eligibility runs on land-holding and crop records rather than salary slips, and interest is heavily subsidized (down to around 7% per annum for eligible borrowers) under the government's Modified Interest Subvention Scheme, with add-on personal accident cover bundled in via NABARD's mandate.
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: Built-in Personal Accident Insurance Scheme (PAIS) cover for the KCC-RuPay cardholder, as mandated by NABARD for all RuPay KCC issuances
Benefits by category
- 🛡️ Insurance
Built-in Personal Accident Insurance Scheme (PAIS) cover for the KCC-RuPay cardholder, as mandated by NABARD for all RuPay KCC issuances
- 🌍 Forex / international spend
0% forex markup on international transactions
Eligibility
- Employment: self-employed
- Age: 18–75
Fees & charges
- Rewards redemption fee: ₹99 + applicable taxes per redemption request when reward points are redeemed for statement credit, gift vouchers or physical products, charged once per batch regardless of how many items are redeemed in it.
- Foreign currency markup: 0%
- Interest rate: 7%–12% p.a.
- Cash advance charges: 2.5% of the withdrawn amount or ₹300 (whichever is higher) at domestic ATMs, and 3% or ₹300 (whichever is higher) internationally; cash advances earn no reward points and carry no interest-free grace period.
Benefits
- Revolving cash-credit limit set against the farmer's land holding and crop pattern, disbursed as a RuPay Kisan Credit Card usable at ATMs, POS terminals and for input purchases
- Built-in Personal Accident Insurance Scheme (PAIS) cover for the KCC-RuPay cardholder, as mandated by NABARD for all RuPay KCC issuances
Pros
- + Zero joining and annual fees, unlike urban RuPay Classic cards from the same bank
- + Heavily subsidized interest rate (effectively ~7% p.a. for many borrowers after interest subvention) versus double-digit rates on regular credit cards
- + Usable as an actual RuPay card at ATMs and POS terminals, not just a passbook-linked loan account
- + Bundled Personal Accident Insurance Scheme cover for the cardholder
- + Eligibility based on land holding and cropping pattern, not salary/income documentation
Cons
- − Restricted to agricultural and allied-activity spending — not a general-purpose consumer card
- − Credit limit is reassessed annually against crop cycle and land records, not a fixed revolving limit
- − No cashback, points, or lounge-style rewards of any kind
- − Requires land ownership/tenancy documentation and is unavailable to non-agriculturists