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Kisan Credit Card (KCC)

✍️ Fact-checked by Parash Editorial • 🔄 Updated May 2026
Bank of India RuPay Entry

Annual Fee

₹0

Base Rate

0.0%

Reward Type

Points

Overview

The Kisan Credit Card (KCC) is a Entry credit card issued by Bank of India on the RuPay network. It offers a base reward rate of 0.0% on all spends, with rewards issued as Points(1 pt = ₹0.0).

Annual Fee: Lifetime Free
Eligibility: Eligible for all farmers, including individuals, joint borrowers, tenant farmers, sharecroppers, and Self Help Groups (SHGs).

Reward Rates & Cashback Rules

  • CATEGORY – All Spends: 0.0% cashback ⚠️ This is a loan product and does not offer cashback or reward points on transactions.

Key Features & Benefits

  • Low Interest Rate Loan 💰: Attractive interest rate of 7% p.a. on loans up to ₹3 lakh, with an effective rate of 4% for prompt repayment due to government subvention.
  • Revolving Credit Facility 🔄: Credit limit is available for 5 years with a 10% annual increase, subject to review. Funds are accessible via a RuPay card.
  • Collateral-Free Loan 🛡️: No collateral security is required for loans up to ₹2.00 lakh.
  • Insurance Coverage ☂️: Personal Accident Insurance Scheme (PAIS) coverage is available for all eligible borrowers.

Eligibility Criteria

Eligible for all farmers, including individuals, joint borrowers, tenant farmers, sharecroppers, and Self Help Groups (SHGs).

Features & Benefits

💰

Low Interest Rate Loan

Attractive interest rate of 7% p.a. on loans up to ₹3 lakh, with an effective rate of 4% for prompt repayment due to government subvention.

🔄

Revolving Credit Facility

Credit limit is available for 5 years with a 10% annual increase, subject to review. Funds are accessible via a RuPay card.

🛡️

Collateral-Free Loan

No collateral security is required for loans up to ₹2.00 lakh.

☂️

Insurance Coverage

Personal Accident Insurance Scheme (PAIS) coverage is available for all eligible borrowers.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

All Spends
Reward: 0.0%
⚠️ Exceptions: This is a loan product and does not offer cashback or reward points on transactions.
0%

Value Chart

Assuming basic spends for Kisan Credit Card (KCC)

Category Kisan Credit Card (KCC) Axis Bank Neo Credit Card LIC Axis Bank Platinum Credit Card Axis Bank Kwik Credit Card
₹
Joining Fee 		₹0 ₹0 ₹0 ₹0
₹
Annual Fee 		₹0 ₹250 ₹0 ₹0
🌍
Forex Markup 		3.5% 3.5% 3.5% 3.5%
%
Base Rate 		0.0% 0.5% 1.0% 1.0%
★
Known Rules 		1 rules 11 rules 11 rules 11 rules

Pros & Cons

✓

Pros

  • + All Spends — 0.0% Points
  • + Low Interest Rate Loan
  • + Revolving Credit Facility
  • + Collateral-Free Loan
  • + Insurance Coverage
✗

Cons

  • −Forex markup of 3.5% on international spends
  • −Relatively low base reward rate of 0.0%

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹0

Annual Fee

₹0

Net Value

+₹0

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › First-time credit card users looking to build credit
  • › Low-to-medium spenders wanting simple cashback

👎 Not Worth It If…

  • › You spend heavily in foreign currency — 3.5% markup adds up fast
  • › You want straightforward cashback — the reward rate of 0.0% is thin
  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

Community Reviews

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Frequently Asked

No, the Bank of India Kisan Credit Card is not a conventional credit card. It is a specialized loan facility designed to provide financial support to farmers for agricultural activities.

No, this is a loan product and does not offer any rewards, points, or cashback on transactions. Its primary benefit is providing access to credit at a low interest rate.

The card offers a standard interest rate of 7% per annum on loans up to ₹3 lakh. However, if you repay promptly, you can get a 3% interest subvention, making the effective rate just 4%.

All farmers, including individuals, joint borrowers, owner-cultivators, tenant farmers, sharecroppers, and farmer groups like SHGs and JLGs are eligible to apply.

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