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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.
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
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
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