ESAF Kisan RuPay Credit Card
ESAF Small Finance Bank
Last updated: Dec 03, 2025
₹0
₹0
2.5%
No lounge access
Contents
ESAF Kisan RuPay Credit Card is a farmer-focused credit card linked to the ESAF Kisan Credit Card (E-KCC) limit, designed to give cultivators easy, revolving access to working capital for seeds, fertilisers, labour and other agri expenses. This lifetime-free RuPay credit card lets you use your KCC limit conveniently at ATMs, PoS machines and UPI-linked RuPay apps, so you do not need to visit the branch every time you need funds. With simple documentation, crop-cycle-based repayment and basic cashback on everyday agri and rural spends, the ESAF Kisan RuPay Credit Card helps you manage seasonal cash flows better. It is an ideal choice for farmers looking for a low-cost, digital, agriculture credit card instead of a traditional high-fee urban credit card.
Features of ESAF Kisan RuPay Credit Card which makes it unique
Farmer-Focused Working Capital Card
Combines the benefits of a Kisan Credit Card with the convenience of a RuPay credit card for day-to-day farm use.
Single card to manage seasonal farm expenses, emergency cash needs and rural purchases across the year.
More relevant to farmers than generic urban lifestyle or shopping credit cards.
Crop Pattern–Based Limit Assessment
Credit limit is based on cropping pattern, land size and projected farm income instead of just salary slips.
Makes formal credit accessible to small and marginal farmers with limited documented income.
Better suited to agri households than standard income-based credit card underwriting.
Rewards Structure of ESAF Kisan RuPay Credit Card
Base Rewards
baseAll eligible point-of-sale and RuPay UPI transactions on the Kisan RuPay Credit Card.
Base reward rate designed to give simple savings on regular farm and household spends without complex reward points management.
Agri and Farm Inputs
acceleratedTransactions at fertiliser dealers, seed shops, pesticide outlets, agri-equipment merchants and other farm input partners.
Higher cashback on agriculture-related spends encourages farmers to route seed, fertiliser and input payments through the ESAF Kisan RuPay Credit Card.
Digital and UPI Payments
baseRuPay Kisan Credit Card transactions made via supported UPI apps for merchant payments.
Promotes cashless and card-less usage of the RuPay Kisan card through UPI for day-to-day farm and rural purchases.
Fees & Charges of ESAF Kisan RuPay Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 2.5% |
| Cash Advance Fee | 0 |
| Late Payment Fee | 0% |
| Over Limit Fee | 0 |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 0% |
Renewal Conditions:Lifetime free
Fee Explanation The ESAF Kisan RuPay Credit Card is lifetime free with no joining or annual fee. Cash advances and ATM withdrawals up to 100% of the card limit do not attract an additional cash advance fee, but regular interest is charged on the outstanding amount. Cheque or NACH return charges are typically around ₹500 plus GST per instance, and penal interest of about 2% per month may be applied on overdue amounts as per the bank’s Schedule of Charges. Foreign currency transactions generally attract a forex markup of 2.5% on the transaction amount.
Insurance Coverage with ESAF Kisan RuPay Credit Card
Personal Accident Insurance
₹1,00,000Complimentary cover for the primary cardholder for accidental death or permanent total disability while the ESAF Kisan RuPay Credit Card is active, subject to bank and RuPay insurance programme terms.
Card Fraud Liability Cover
₹50,000Protects against unauthorised, fraudulent transactions reported within the bank’s stipulated timeline after the card is lost or stolen, as per ESAF Small Finance Bank policy.
Additional Features of ESAF Kisan RuPay Credit Card
Kisan Credit Card Linked Limit
Credit card is directly linked to the ESAF Kisan Credit Card (E-KCC) working capital limit.
Limit is sanctioned and reviewed based on cropping pattern, land holding, farm income and KCC review policy.
Flexible Repayment Based on Crop Cycle
Repayment can be aligned to harvest and cash flow cycles instead of fixed monthly EMIs like a normal credit card.
Exact repayment schedule and interest calculation follow ESAF Kisan Credit Card (E-KCC) loan terms.
RuPay UPI Enablement
Use the Kisan RuPay Credit Card via supported UPI apps for merchant payments without carrying the physical card.
RuPay credit card must be successfully linked to a UPI app as per NPCI and ESAF guidelines.
ATM and PoS Access in Rural Areas
Withdraw cash or swipe at PoS machines across rural and semi-urban locations for genuine agricultural and household needs.
Usage must comply with Kisan Credit Card guidelines and permitted end-use norms for farm credit.
Welcome Bonus with ESAF Kisan RuPay Credit Card
Welcome Bonus: Get ₹250 cashback on your first eligible purchase with the ESAF Kisan RuPay Card.
Bonus Conditions: Valid once per customer on a single transaction of ₹1,000 or more within 30 days of card issuance.
Application Process for ESAF Kisan RuPay Credit Card
Processing Time
7-10 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Visit the nearest ESAF Small Finance Bank branch or apply online through the ESAF Kisan Credit Card (E-KCC) channel.
Submit KYC, land records, cropping pattern details and recent bank statements as requested by the bank.
Undergo field verification and credit assessment based on land holding, crop cycle and repayment capacity.
On approval of the ESAF Kisan Credit Card (E-KCC) limit, receive the ESAF Kisan RuPay Credit Card linked to the sanctioned limit.
Activate the card, generate PIN and optionally link it to a supported UPI app before starting transactions.
Required Documents for ESAF Kisan RuPay Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Land and Farm Documents
allAccepted documents:
Banking and Income Proof
allAccepted documents:
ESAF Kisan RuPay Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide acceptance across India on RuPay-enabled PoS terminals, ATMs and merchant outlets, especially in rural and semi-urban locations.
International Acceptance
Primarily designed for domestic farm and rural usage; international acceptance is limited and subject to RuPay and ESAF configurations.
Online Acceptance
Accepted on eligible Indian e-commerce and biller websites supporting RuPay credit cards.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for ESAF Kisan RuPay Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
650+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹0
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must be an eligible farmer or agri-entrepreneur under the Kisan Credit Card (KCC) programme with a satisfactory repayment track record. Valid PAN and Aadhaar are required as per KYC norms. Credit limit is assessed based on cropping pattern, land holding, farm income, and internal credit policy rather than fixed monthly salary.
How Approval Is Decided
- Applicant must be an Indian citizen engaged in agriculture or allied activities.
- Satisfactory land ownership or lease documentation and cropping pattern records as required by the bank.
- Kisan Credit Card eligibility as per ESAF Small Finance Bank’s internal lending policy.
- Acceptable credit behaviour and repayment capacity based on existing borrowings and banking relationship.
Pros of ESAF Kisan RuPay Credit Card
- Lifetime free ESAF Kisan RuPay Credit Card with zero annual fee lowers the cost of farm credit access.
- Credit limit is based on land holding and cropping pattern, making it practical for farmers without fixed salary slips.
- Basic cashback on agriculture and rural spends provides direct savings on everyday farm inputs.
- RuPay network plus UPI linkage allows card-less, PIN-based payments even in smaller towns and villages.
- Crop-cycle-aligned repayment structure is better suited for seasonal farm income compared to regular EMIs.
Cons of ESAF Kisan RuPay Credit Card
- Rewards and cashback are modest compared to premium urban rewards or travel credit cards.
- Card is restricted to eligible farmers under Kisan Credit Card norms and is not available to regular salaried users.
- International usage and forex transactions are limited and incur a forex markup fee.
- No complimentary airport lounge access or lifestyle privileges, as the focus is purely on agriculture credit needs.
Frequently Asked Questions about ESAF Kisan RuPay Credit Card
Is the ESAF Kisan RuPay Credit Card lifetime free?
Yes, for eligible ESAF Kisan Credit Card (E-KCC) customers, the ESAF Kisan RuPay Credit Card is typically issued as a lifetime free card with no joining or annual fee.
Who can apply for the ESAF Kisan RuPay Credit Card?
The card is primarily offered to farmers and agri-entrepreneurs who qualify for the ESAF Kisan Credit Card (E-KCC) facility. Eligibility is based on land holding, cropping pattern, farm income, and ESAF’s internal credit norms.
How is the credit limit decided on the ESAF Kisan RuPay Credit Card?
The credit limit on the ESAF Kisan RuPay Credit Card is linked to the sanctioned Kisan Credit Card limit. It is computed after assessing crop pattern, land records, projected yields and repayment capacity rather than fixed monthly salary.
Can I use the ESAF Kisan RuPay Credit Card through UPI apps?
Yes, once linked, the RuPay Kisan credit card can be used on supported UPI apps for merchant payments at shops and service providers, subject to RBI and NPCI guidelines for RuPay credit on UPI.
What interest and charges apply if I delay repayment on the Kisan RuPay Credit Card?
If the outstanding is not cleared within the permitted period, regular interest under the Kisan Credit Card scheme and an additional penal interest (around 2% per month on the overdue amount) may apply as per ESAF’s Schedule of Charges.
Does the ESAF Kisan RuPay Credit Card offer any insurance benefits?
Yes, the card comes with complimentary personal accident insurance and limited fraud liability cover for the primary cardholder, subject to the bank’s terms and conditions and timely reporting of any loss or fraud.
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