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

    The Kisan Credit Card is a unique offer banks have put up for farmers to acquire affordable and timely credit in India. Under this scheme, farmers can meet investment requirements through easy credit options without hassles and time-consuming banking processes. These cards carry flexible repayment options and can even be delayed or rescheduled in case of a failed crop season. Extensions on repayment can stretch up to 4 years. RBL offers the Smart KCC Card which is Rupay enabled.

    Features and Benefits of RBL Kisan Credit Card:

    Credit is sanctioned to farmers without the hassle. Farmers need not go through the same banking processes to secure cash when needed.

    Access to ATMs:

    Farmers can withdraw cash when needed from more than 1 lakh ATMs in India. This provides more mobility and freedom to access cash as and when needed.

    Wide Acceptance:

    The Smart KCC Card is accepted at 7 lakh merchants in the country. This gives farmers the convenience of purchasing required items from major stores and suppliers with the credit card.

    PIN enabled Card:

    The credit card is protected with a personal identification number which is required to authenticate any transaction. For cash withdrawals and POS terminals, the PIN is needed for the transaction to be completed.

    SMS and Email Alerts:

    Stay up to date on your credit card withdrawals and transactions with SMS and Email alerts. RBL will also update you on your credit card dues and payment dates.

    Long Validity:

    The Smart Kisan Credit Card is valid for up to 5 years.

    Flexible Repayment:

    Credit is extended without rigid payment rules. Repayment can be rescheduled in case of a bad crop season. Repayment can be extended for up to 4 years.

    How to apply for the RBL Smart Kisan Credit Card:

    You can use any of the following methods to apply for an RBL Smart Kisan Credit Card.

    • Apply online on the RBL Bank Website.
    • Visit the nearest RBL Bank Branch.
    • Approach a marketing officer visiting villages.

    Other Agricultural Banking Products Offered by RBL:

    RBL Bank also offers the following banking products and services to the agricultural sector.

    It offers finance and loans for:

    • Crops
    • Poultry and Fisheries
    • Cattle and Dairy
    • Micro Irrigation
    • Allied Agriculture Activity
    • Horticulture.

    It offers commodity finance for:

    • Cold storages and cold chain
    • Rural Warehouse construction
    • Warehouse receipt finance

    It offers loans on farm mechanization and vehicles for

    • Tractors
    • Farm Machinery
    • Two wheelers
    • Small and light commercial vehicles

    It offers finance for corporate needs that include:

    • Horticulture
    • Contract Farming
    • Food & Agro Processing
    • Agri Value Chain Finance
    • Finance to Processors, Traders and Aggregators
    • Farmer Producer Organisations (FPOs) and Farmer Service Societies
    • Custom Hiring Companies

    FAQs on RBL Smart Kisan Credit Card

    1. Do I need to hold an RBL Bank account to be eligible for the Smart Kisan Credit Card?

      Yes, it is preferable that you hold a savings or current account with the bank. In other cases a Kisan Credit Card might be offered at the bank’s discretion.

    2. Can I use the Smart KCC to shop?

      Yes, you can use the shop at any merchant that accepts Rupay. There are more than 7 lakh establishments that accept the credit card.

    3. Is there a maximum cash withdrawal limit?

      The bank sets a maximum daily cash withdrawal limit. This will be communicate to you by RBL Bank upon application. The cash withdrawal limit will also depend on the credit card limit sanctioned for you.

    4. How do I apply for the RBL Smart KCC online?

      Visit the RBL Bank website. Select “Business” and opt for “Agri Business”. You can then choose “Farmer Finance & Crop Loan”. There will be an option to Apply Now at the bottom of the page. Fill out the form and submit.

    5. What is the validity on my Smart Kisan Credit Card?

      The validity offered on these cards will be up to 5 years. Credit card validity is determined individually and will be stated on your credit card.

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