Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Nainital Bank Credit Cards

    One of the oldest financial institutions in India, Nainital Bank was established in 1922 to specially cater to the banking needs of people in Nainital. In 1875, Bank of Baroda, acquired 98. 6% stakes of Nainital Bank. Currently, Nainital Bank is a scheduled Bank as enlisted by the Reserve Bank of India. Nainital Bank has over 130 branches in India and has a business value of Rs. 55 billion. Nainital Bank offers services in areas like consumer & corporate banking, investment management, general finance and insurance.

    Nainital Bank currently offers three variants of credit cards with two cards designed to exclusively serve to the credit requirements of agriculturists and farmers. Nainital Bank Kisan Credit Cards help the farmers to use banking technology in order to meet instant credit requirements. Customers can also opt for Naini Gold Credit Card which will offer them a range of exclusive benefits.

    Fees and Interest Rates for Nainital Bank Credit Cards:

    Rate of Interest / Credit Card Naini Kisan Gold Card Scheme (NBKGC) Naini Kisan Credit Card (NKCC)
    Interest Rate for credit up to Rs. 3 lakhs 0.50 % over the base rate 0. 50 % over the base rate
    Interest Rate for credit over Rs. 3 lakhs 1.50 % over the base rate 1. 50 % over the base rate

    Eligibility for Nainital Credit Card:

    The eligibility conditions to avail a Nainital Bank Credit Card is as follows.

    • Naini Kisan Gold Card Scheme (NBKGC) and Naini Kisan Credit Card (NKCC) is offered exclusively to farmers and agriculturists,
    • The Applicant must be an Indian Resident and should be over the age of 18.
    • The applicant must not have defaulted on any dues pertaining to Nainital Bank or any other bank.

    Documentation for Nainital Bank Credit Card:

    The customer must have the following documents ready to complete the application process for Nainital Bank Credit Card.

    • PAN Card
    • Address Proof - ration card, voter ID etc.
    • Proof of Identity
    • Duly filled application form with photographs
    • Documents of land holdings, if necessary

    The documentation is extremely simple for Nainital Bank Credit Card. For a complete list of the documents that has to be submitted to avail Nainital Bank Credit Card, do enquire with the Nainital Bank before proceeding with the Credit Card application process.

    Types of Nainital Bank Credit Card:

    Nainital Bank offers two types of Kisan Credit Cards, each exclusively crafted to meet the banking needs of agriculturists. Given below are the variants of Nainital Bank Credit Cards.

    • Naini Kisan Gold Card Scheme (NBKGC)

      This credit card is uniquely designed to meet the investment requirements and production credit requirement of the farmer community. Under this scheme, credit of up to Rs. 50 lakh is offered as revolving cash credit and of term loan nature for cardholders. The cardholders will be able to use this cash for agriculture and related activities.

    • Naini Kisan Credit Card (NKCC)

      Naini Kisan Credit Card is specially crafted to offer hassle-free credit for farmers and agriculturists and to help them meet the investment credit requirement and production credit requirements. Cardholders will be offered a suitable finance depending on the land holding and as prescribed by DLTC of the Lead Respective Office. The interest rates are nominal and cardholders can get instant credit through Naini Kisan Credit Card (NKCC).


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