ICICI Bank Kisan Credit Card

As an extension of its Retail Agri Loan scheme, ICICI Bank offers the Kisan Credit Card to farmers, to meet their specific requirements. With the credit available through this card, borrowers can meet all the needs related to day-to-day farming.  

Updated On - 06 Oct 2025
credit card CTA button

Features and Benefits of ICICI Bank Kisan Credit Card

Convenient Banking Facility:

Borrowers can easily access the Bank and all associated services without any hassles since the Bank has several branches and ATMs spread across the country. This ease of accessibility makes it easy for farmers to reach out to the bank for any matters related to the Kisan Credit Card and to easily make transactions.

ICICI Kisan Credit Card
credit card CTA button

Large Network:

In order to make a transaction or withdraw cash, the ICICI Bank Kisan Credit Card holders can use not just the ICICI Bank ATMs which amount to over 10,000 across India, but they can also use any other Bank ATM.

Validity of the Card:

The ICICI Bank Kisan Credit Card is valid for a maximum period of 5 years after a one-time documentation process. This will be renewed each year after a revision by the bank and also depends on the farming requirements of the cardholder.

credit card CTA button

Eligibility Criteria for the ICICI Bank Kisan Credit Card

In order to avail the ICICI Bank Kisan Credit Card, you have to fulfill the following eligibility pre-requisites:

  1. The applicant should be more than 18 years old and should not be more than 70 years old. Only individuals falling within this age bracket can apply for a credit card.
  2. He/ She should also own agricultural land, in order to be eligible for this credit card.
  3. The applicant should be involved in agricultural or associated agricultural activities.

Documentation for ICICI Bank Kisan Credit Card

Applicants have to submit the following documents when they are applying for this credit card:

  1. Filled application form
  2. Know Your Customer (KYC) documents
  3. Property documents
  4. Security PDC
  5. Other documents as specified by the Bank at the time of application.

Fees and Charges for ICICI Bank Kisan Credit Card

Charges

Fees

Rate of Interest

9.50% - 16.10%

Processing Fee

At the time of disbursement - 1% of the initial credit amount sanctionedAt the time of review - 1% of the amount sanctioned at the time of review, or after holding the credit card account for over 1 year.

Prepayment Penalty

Nil

Stamp Duty

As per the State laws prevailing at the time of processing the credit

Late Payment Penalty

Rs.500 per bounce/late-payment of interest on the due date

Legal, valuation and vetting charges

As per the State laws prevailing at the time of processing the credit

Other Agricultural Banking Products Offered by ICICI Bank

  • Instant Gold Loan: ICICI Bank offers agricultural loans instantly against gold ornaments or other gold items owned by an eligible individual. This can help to fulfil the agricultural needs and business requirements of farmers.
  • Farmer Finance: Farmer Finance scheme offered by ICICI Bank takes care of all agricultural needs of farmers, from the stage of sowing to harvesting and also includes the transportation stage.
  • Agri Traders & Processors: ICICI Bank offers agri traders and processors unique schemes which are customized to serve their specific needs. The Bank extends loans as well as overdrafts quickly and conveniently.
  • Agri Corporates: ICICI Bank offers finance schemes that offer stable cash flow for businesses.
  • Tractor Loan: Tractor loans are offered to individuals involved in the agricultural sector. This is a simple and hassle-free procedure.
  • Micro Banking: ICICI Bank provides financial aid to micro enterprises and other eligible applicants, in order to aid their functioning.

FAQs on ICICI Kisan Credit Card

  • Are there any foreclosure charges on the ICICI Bank Kisan Credit Card?

    No, there are no foreclosure charges on the ICICI Bank Kisan Credit Card.

  • How can I change my residential address registered at the bank for my ICICI Bank Kisan Credit Card?

    If a cardholder has moved to another residence or relocated, then he/ she should inform the Bank of the same within 2 weeks’ time, following which, a valid proof of address should be submitted to the bank.

  • What are the benefits of the ICICI Kisan Credit Card?

    The ICICI Kisan Credit Card provides farmers with quick loans with minimal paperwork. Withdrawals are with revolving credit and repayments within the fixed credit limit that has to be done within a year.

  • How to get an ICICI Bank Kisan Credit Card?

    The ICICI Bank Kisan Credit Card can be easily obtained by visiting any branch of ICICI Bank or by applying online on the bank’s official website.

  • Can I get loan on ICICI Bank Kisan Credit Card?

    The ICICI Bank Kisan Credit Card offers loans through the card to farmers which have a one-year repayment tenure and revolving credit which is based on the credit limit of the card.

  • Who can apply for an ICICI Bank Kisan Credit Card?

    To apply for an ICICI Bank Kisan Credit Card, the applicant must be aged between 18 years to 70 years. The applicants must possess agricultural land and must be involved in agricultural or associated agricultural activities.

  • What is the interest rate offered on ICICI Bank Kisan Credit Card loans?

    The interest rates offered on ICICI Bank Kisan Credit Card loans range from 9.50% to 16.10%.

Disclaimer
Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.