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Union Bank of India Kisan Credit Card (RuPay)
RuPay
Union Bank of India Kisan Credit Card (RuPay)
Union Bank of India's RuPay Kisan Credit Card puts a farmer's sanctioned agricultural credit line onto a usable plastic card, so drawdowns for seed, fertilizer or equipment can be made directly at RuPay-enabled POS terminals and ATMs. It follows the nationwide KCC-RuPay template: no card fees, interest subsidized under the government's scheme for timely repayers, and a limit that's reassessed each crop season based on land holding and cropping pattern rather than salary income.
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
Personal Accident Insurance Scheme cover for the RuPay KCC cardholder
- 🌍 Forex / international spend
0% forex markup on international transactions
Eligibility
- Employment: self-employed
- Age: 18–75
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 RuPay KCC cardholder
Pros
- + Zero joining and annual fees
- + Subsidized interest rate for prompt repayment
- + RuPay acceptance nationwide for input purchases and cash access
- + Personal Accident Insurance Scheme cover bundled in
- + Eligibility based on land and crop records, not income proof
Cons
- − Limited to agricultural and allied-activity spending
- − Credit limit revised annually against crop-cycle scale of finance
- − No cashback or reward-point program
- − Requires land ownership/tenancy documentation