SBI Kisan Credit Card 2025: Updated Details & Quick Guide

Rohit is an honest farmer who operates a farming business to earn money for his family and effectively manages his farm activities. Work-related management tasks and money expenditures now require practical methods that function effectively. The SBI Kisan Credit Card is a dependable financial instrument that simplifies Rohit's agricultural activities and accelerates his savings.

In a recent farmers' meet, Rohit said, “The SBI Kisan Credit Card has made my farming journey easy and more affordable. I am happy because it has helped me manage my expenses better and invest in my farm’s growth.”

Rohit defines the SBI Kisan Credit Card as a good choice for him and his family.

• I spent ₹50,000 on seeds, fertiliser, and pesticides. So, I earned nearly ₹2,500 through cashback offers.
  
  
• I withdrew cash for labour payments and saved ₹1,200 annually on transaction charges.
  
  
• I used an SBI Kisan Credit Card to buy equipment and saved ₹3,000 annually on interest-free credit periods.
  
  
• Also, I got crop insurance and saved ₹1,500 annually on premium discounts.
  
  
• I saved ₹1,000 annually through healthcare discounts on medical emergencies.

Rohit's total savings are almost ₹9,200+ per year!

What is an SBI Kisan Credit Card?

As a specific financial instrument, the SBI Kisan Credit Card meets agricultural producers' farming needs and personal requirements. Through credit cards, farmers can obtain versatile financial assistance for seed funding, fertiliser procurement, equipment purchases, and family assistance.

Farmer cardholders obtain access to affordable interest rates, money-back benefits, and agricultural insurance benefits. Farmer cardholders maintain ad-free borrowings with no interest rates during an extension and face ease when drawing cash from the account. Through easy repayment terms, this product assists farmers in running their accounts effectively without demanding any collateral assets. 

The SBI Kisan Credit Card is a trustworthy banking tool that enhances agricultural yields while guarding farmers' financial bases.

Key Features and Benefits of SBI Kisan Credit Card

Flexible Credit Limit

Rohit receives funding through the SBI Kisan Credit Card, which enables him to cover his farm expenses. This card's mobile credit limit system lets Rohit receive funding according to his agricultural demand requirements. Here's how it works:

How It Works

• Assessment: The bank establishes Rohit's credit limit by assessing his land property, agriculture crops, and yearly earnings.
  
  
• Credit Allocation: Funds are allocated for crop production (seeds, fertilisers, pesticides), equipment purchases, and family expenses.
  
  
• Usage: Rohit can access cash withdrawals and purchase transactions at agri-input stores, equipment dealers, and other approved vendors.
• Repayment: Repayment is flexible and aligned with his crop cycle, ensuring no financial stress during lean periods.
  
  

Example: Rohit uses a Kisan credit card from an SBI Bank that offers a flexible credit limit to his family and supports him as a financial “GURU”. Here is how it works for Rohit:

Example Scenario

• Rohit uses ₹50,000 for seeds and fertilisers at the start of the cropping season.
• He spends ₹20,000 on repairing his tractor and irrigation equipment.
• He withdraws ₹30,000 for his daughter's school fees and household expenses.
• After harvest, he repays the amount in installments, aligning with his crop income.

Benefits for Rohit

• Convenience: One card for all farming and personal needs.
• Savings: Low interest and cashback on agricultural inputs reduce costs.
• Flexibility: Repayment aligned with crop cycles ensures no financial strain.

Key Points

• Each farming borrower receives a specific credit limit, created by analysing their farming requirements and financial capabilities.
• Funds can be used for both agricultural and personal expenses.
• There is no need for collateral, making it accessible to small farmers like Rohit.
• Lower interest rates make borrowing finances less costly.

Low Interest Rate

Through the SBI Kisan Credit Card, Rohit and his family reduce their financial strain and lives because the SBI Kisan Credit Card offers a low-interest rate policy. Here's how it works:

How It Works

• Interest Rate: The card presents interest rates that are cheaper than average personal loans.
• Interest Calculation: Interest is charged only on the amount utilised, not the entire credit limit.
• Repayment Flexibility: Rohit can repay the loan through periodic payments synchronising with his agricultural production schedule.
• Savings: Lower interest rates mean more savings, which Rohit can reinvest in his farm or family needs.

Example: Rohit uses a Kisan credit card from an SBI Bank that helps Rohit achieve financial goals because it provides a low interest rate. Here is how it works for Rohit:

Example Scenario

• Rohit uses ₹1,00,000 from his credit limit for seeds, equipment repair, and family expenses.
• He repays the amount in 6 months after harvesting his crops.
• His total interest is ₹4,500, significantly lower than other loan options.

Benefits for Rohit

• Cost Savings: Low interest reduces the overall cost of borrowing.
• Financial Flexibility: Repayment aligned with crop income ensures no financial stress.
• Reinvestment: Savings from low interest can be reinvested in farming or family needs.

Key Points

• Loans for farmers are specially structured through interest rates designed to reduce the cost of borrowing.
• The financial costs apply exclusively to the withdrawn funds instead of the available credit line.
• Repayment is aligned with crop cycles, ensuring no financial strain.
• The company offers transparent interest computation without hidden payment costs.

3.Cashback Offers

The SBI Kisan Credit Card provides cashback benefits to Rohit, a farmer. The cashback benefits flow from the SBI Kisan Credit Card whenever he purchases seeds, fertiliser, and other agricultural necessities. The cashback rewards Rohit accumulated help him invest in his farm business. Here's how it works:

How It Works

• Eligible Purchases: The collaboration allows customers to obtain cashback incentives when they spend money with the vendor companies participating in the program.
  
  
• Cashback Percentage: Rohit's account receives a fixed percentage (e.g., 2-5%) of the purchase amount credited back.
  
  
• Redemption: The cashback amount gets added to the card account balance by decreasing debt or creating additional savings.
  
  
• Usage: Rohit can use the cashback to offset future expenses or reinvest in his farm.
  
  

Example: Rohit uses a Kisan credit card from an SBI bank that offers cashback benefits and the cashback helps him to achieve a financially free life. Here is how it works for Rohit:

Example Scenario

• Rohit spends ₹20,000 on seeds, ₹15,000 on fertilisers, and ₹10,000 on pesticides from partnered vendors.
• He earns a 2% cashback on each purchase, totalling ₹900.
• The cashback is credited to his card account, reducing his outstanding balance or adding to his savings.

Benefits for Rohit

• Cost Savings: Cashback reduces the overall cost of farming inputs.
• Reinvestment: Savings can be reinvested in the farm for better productivity.
• Convenience: Automatic cashback credit ensures hassle-free savings.

Key Points

• The farming support includes cashback payments that customers can use for seeds, fertilisers, pesticides, and all other agricultural supplies.
• Purchases must be made from partnered agri-input suppliers.
• Customers receive cashback payments through their card account.

Insurance Coverage

The SBI Kisan Credit Card provides Rohit-free personal accident coverage and crop insurance. The personal accident and crop insurance benefits under the SBI Kisan Credit Card guarantee his security against present and future financial requirements. Here is how it works:

How It Works

• Personal Accident Insurance:
  
  • Provides coverage in case of accidental death or disability.
  • The insurance company makes a single payment to the person determined by the policyholder for the death benefit.
    
    
• Crop Insurance:
  • Covers crop loss due to natural calamities, pests, or diseases.
  • The amount of compensation depends on the area of destruction.
    
    
• Automatic Enrollment:
  • Rohit automatically enrolls in these insurance schemes using the Kisan Credit Card.
  • These benefits come at no extra cost for the policyholders.

Example: Rohit uses a Kisan credit card from an SBI bank that offers insurance coverage. Here is how it works for Rohit:

Example Scenario

• Personal Accident Insurance:
  • If Rohit meets with an accident, his family receives ₹2,00,000 as financial support.
    
    
• Crop Insurance:
  • If Rohit's crops are damaged due to floods, he receives compensation based on the extent of the damage, up to the loan amount.
    
    

Benefits for Rohit

• Financial Security: Insurance ensures his family’s protection in case of accidents.
• Crop Protection: Compensation for crop loss helps him recover and reinvest in farming.
• Cost-Free: No additional premium is charged, making it a valuable benefit.

Key Points

• The SBI provides financial protection to our customers for accidental death or disability.
• Safeguards against crop loss due to natural disasters or pests.
• No additional premium is charged; it’s included with the card.
• Ensures financial security for Rohit and his family.

Interest-Free Period

Timely repayment of SBI Kisan Credit Card loans carries an interest-free benefit, which saves Rohit from paying interest costs on his agricultural loans. When Rohit repays his ₹1,00,000 loan during the 50-day interest-free period, he avoids any interest charges. 

Rohit uses this feature to run his payments efficiently due to its benefit when he receives cash during harvest time. The timely payment of 
debts through the SBI Kisan Credit Card allows Rohit to stay debt-free and redirect his extra savings toward his agricultural activities or household needs, thus making the card an efficient financial tool.

Eligibility Criteria for SBI Kisan Credit Card

Kisan Credit Card:

Farmers can apply for the Kisan Credit Card scheme as a single applicant or as joint applicants with co-borrowers who are owner cultivators. Other applicants eligible for this credit card scheme are sharecroppers, oral lessees, tenant farmers, SHGs, and Joint Liability Groups of farmers.

Kisan Gold Card:

The Kisan Gold Card is an opportunity for farmers because it helps them build their businesses by spending money, buying farm equipment, irrigation, and construction. The Kisan Gold credit card is a loan for past-harvest expenses, consumption, and crop production.

Other Agricultural Banking products offered by SBI

• Arthiyas Plus Scheme
• Broiler Plus
• Business Correspondent (BC) Arrangement
• Capital Investment Subsidy Scheme for Commercial Production Units of Organic Inputs under National Project on Organic Farming
• Dairy Plus Scheme For Financing Dairy Units
• Dairy Society Plus Scheme for Financing Dairy Societies
• Finance To Horticulture
• Financing For Combine Harvesters
• Financing For Organic Farming
• Financing JLG of Tenant Farmers
• Financing JLG of Tenant Farmers
• Financing of Second Hand / Used Tractors Scheme
• Financing Power Tillers
• Gramin Bhandaran Yojna Capital Investment Subsidy Scheme for Construction and Renovation of Rural Godowns
• Kisan Gold Card Scheme (KGC)
• Krishi Kalyan
• Land Purchase Scheme
• Lead Bank Scheme
• Minor Irrigation Schemes
• Mortgage Loan To Seed Processing Units
• New Tractor Loan Scheme
• Produce Marketing Loan
• Rural Self Employment Training Institutes (RSETIs)
• Sanjeevani
• Sbi Krishak Uthaan Yojna
• Scheme For Debt Swapping of Borrowers
• Scheme For Financing Farm Machinery Where Tangible Assets Are Created
• Scheme For Financing Microfinance Institutions (MFIs) and Non-Government Organisations (NGOs)
• Scheme For Financing Private Cold Storage / Private Ware Houses for lending to Farmers
• Scheme For Financing Seed Processors
• Scheme To Cover Loans For General Purposes Under General Credit Card (GCC)
• Scoring Model For Tractor Loans
• Setting up of Agri Clinic and Agri-Business Centres
• Stree Shakti Tractor Loan (SSTL)

For more details, visit the SBI Bank website or contact customer care at 1860 180 1290.

Required Documents to Apply for SBI Kisan Credit Card

Your application requires these documents to finish the process:

• Identity Proof: Aadhaar card, PAN card, or passport.
• Address Proof: Utility bill, rental agreement, or Aadhaar card.
• Income Proof: Salary slips (last 3 months) or income tax returns (for self-employed individuals). 
• Passport-sized Photograph.
• Proof of landholding duly certified by the revenue authorities.
• Cropping pattern (crops grown) with acreage.
• Security documents for loan limit above ₹ 2,00,000 / ₹ 3,00,000, as applicable.
• Any other document as per sanction.

How to Apply for an SBI Kisan Credit Card?

Offline Application:

Step 1: Visit the nearest SBI Bank branch. You can find your nearest SBI Bank branch with the help of their Branch locator.

Step 2: To initiate the application process, you request a credit card application from SBI Bank branches.

Step 3:  Fill in the required details and attach the necessary documents, like address proof and income proof.

Step 4: After completing your form, submit it to the bank representative.

Step 5: Wait for 24 hours to 48 hours.

Step 6:  When SBI Bank verifies your documents, the bank will approve your Credit Card.

Online Application:

Step 1: Visit the official website of the SBI Bank and navigate to SBI cards.

Step 2: Select the “Credit Card” option.

Step 3: You will now see all SBI credit cards.

Step 4: Fill in the required personal and financial details.

Step 5: Upload necessary documents (PAN card, Aadhaar, income proof, address proof).

Step 6: Apply and await approval (online applications take 7-10 working days).

Fees of SBI Kisan Credit Card

The following charges are linked to this credit card:

How to check an SBI Credit Card Statement and Balance?

Conclusion

The SBI Kisan Credit Card represents a substantial financial instrument that enables farmers similar to Rohit with its benefits. SBI Kisan Credit Card serves farmers through its features of affordable interest rates, insurance protection, and adequate refunds, together with a no-cost borrowing period that provides both economic stability and comfortable use. 

Farmers benefit from this card by efficiently combining agricultural spending with personal expenses and adjustable repayment plans that follow crop seasons. The card enables farmers to boost productivity through financial support benefits that secure their economic well-being, which ensures sustainable agricultural practices and financial security.

FAQs Related to SBI Kisan Credit Card

What is the SBI Kisan Credit Card?
A specialised credit card for farmers offering low-interest loans, cashback, and insurance for agricultural and personal needs.

How does the interest-free period work?
Farmers can avoid interest charges by repaying the loan within the specified interest-free period (e.g., 50 days).

What are the cashback benefits?
Earn cashback on purchases of seeds, fertilisers, and other farming inputs from partnered vendors.

Is collateral required for the card?
No, the SBI Kisan Credit Card is collateral-free, making it accessible to small and marginal farmers.

What insurance benefits are provided?
Free personal accident and crop insurance for financial security against accidents and crop loss.

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