Bank of IndiaBank of India Rupay Kisan Debit Card – Benefits, Fees & Eligibility
Is the Bank of India Rupay Kisan Debit Card Right for You?
The Bank of India Rupay Kisan Debit Card is best suited for users who prioritize Everyday Use, Shopping. With an issuance fee of Lifetime Free and an annual maintenance charge of Lifetime Free, this card offers free entry for new applicants. It offers Reward Points as its primary reward mechanism, with a rewards rate of Star Points on POS and e-commerce transactions.
Key Card Details
Lifetime Free
Lifetime Free
Reward Points
Star Points on POS and e-commerce transactions
₹15,000 per day
₹25,000 per day
Notable Perks
Account Requirement
Kisan Credit Card (KCC) account holders only
Things to Consider
Cannot be used for international transactions, limiting travel utility
Online and e-commerce usage is restricted except for reward eligibility
Low daily ATM withdrawal limit of just ₹15,000
Benefits & Features
Rewards Rate
Star Points on POS and e-commerce transactions
Reward Type
Reward Points
Daily ATM Withdrawal Limit
₹15,000 per day
Daily POS/Online Spend Limit
₹25,000 per day
Account Requirement
Kisan Credit Card (KCC) account holders only
Fees & Charges
Issuance Fee
Lifetime Free
AMC Fee
Lifetime Free
Pros & Cons
Pros
Key benefits and features of this card.
Contactless payment enabled for quick and easy tap-and-pay transactions
Earns Star Points rewards on POS and e-commerce purchases
Specifically designed to support Kisan Credit Card account holders
No PIN required for contactless transactions up to ₹5,000
Cons
Key drawbacks and limitations of this card.
Cannot be used for international transactions, limiting travel utility
Online and e-commerce usage is restricted except for reward eligibility
Low daily ATM withdrawal limit of just ₹15,000
Limited to only three contactless transactions per day
Product Details
Runs on the RuPay card network for domestic transactions
Government-sponsored debit card for KCC account holders
Contactless enabled for tap-and-pay convenience up to ₹5,000
No PIN required for contactless payments under ₹5,000
Restricted to domestic ATM and POS usage only
Earns Star Points on eligible POS and e-commerce spends
Benefits & Features
Rewards Rate
Star Points on POS and e-commerce transactions
Reward Type
Reward Points
Daily ATM Withdrawal Limit
₹15,000 per day
Daily POS/Online Spend Limit
₹25,000 per day
Account Requirement
Kisan Credit Card (KCC) account holders only
What matters, explained clearly
Introduction
The Rupay Kisan Debit Card is a government-sponsored, contactless debit card issued for domestic usage, specifically designed for Kisan Credit Card (KCC) account holders. Its top differentiating benefits include contactless payment functionality and a rewards program that earns Star Points on POS and e-commerce transactions.
Transaction Limits & Usage
- Domestic Usage Only: The card can be used exclusively within India at ATM and POS terminals.
- Daily ATM Withdrawal Limit: Rs. 15,000 per day.
- Daily POS Transaction Limit: Rs. 25,000 per day.
- Contactless Transactions: No PIN is required for contactless transactions up to Rs. 5,000 per transaction.
- PIN Requirement: A PIN is mandatory for all transactions above Rs. 5,000 per transaction.
- Contactless Transaction Cap: A maximum of three contactless transactions are allowed per day.
- Usage Restriction: The card cannot be used for online or e-commerce transactions, except where POS and e-commerce are specifically mentioned for rewards.
Fees and Charges
- For detailed charges, please refer to the bank's official Digital Banking Products charges document (Annexure-VII).
Rewards & Offers
- Star Points Rewards: Cardholders earn Star Points for transactions made at POS and e-commerce terminals.
Account & Eligibility Criteria
- Eligible Account: The card is issued only to Kisan Credit Card (KCC) account holders.
Important Product Details
- Card Network: RuPay.
- Card Type: Government Sponsored Debit Card.
- Contactless Enabled: Yes.
- Domestic Use Only: The card cannot be used for international transactions.
- No E-commerce Usage: The card is stated to be usable only at ATM and POS terminals, though rewards are mentioned for e-commerce transactions.
Other Details
- The contactless transaction limit of Rs. 5,000 without a PIN is subject to change in the future by the Reserve Bank of India (RBI).