Nainital Bank Credit Card

Features of Nainital Bank Credit Cards Nainital Bank Credit Card Eligibility & Documents Required How to Apply Nainital Bank Credit Card Customer Care FAQs

Nainital Bank offers two types Kisan Credit Cards both exclusively designed to cater to the banking needs of agriculturists. Given below are the unique features of both the credit card variants:

Key Highlights

Financial Accommodation- For providing instant and hassle-free credit to farmers for both production and investment purposes.

Loan Amount- The amount depends totally on the landholding and scale of finance as prescribed by DLTC of respective Lead District Office.

Interest Rate- Given below is the defined rate of interest:

Amount	Interest Rate
Up to Rs.3 lakh	0.50% over Base Rate
Above Rs.3 lakh	1.50% over Base Rate

Financial Accommodation- The credit facility that is extended under this scheme is in the nature of term loan and revolving cash credit for agriculture and allied activities.

Loan Amount- The amount stands up to a maximum of Rs.50 lakh depending on the landholding and as per the scale of finance.

Interest Rate- Given below is the defined interest rate:

Amount	Interest Rate
Up to Rs.3 lakh	0.50% over Base Rate
Above Rs.3 lakh	1.50% over Base Rate

Please Note: Nainital Bank is not a Paisabazaar partner. Offers would be from partner Banks/NBFCs only. 

Nainital Bank has set certain eligibility criteria that you need to meet in order to get your credit card. The criteria include some parameters like your income, age credit score etc. Also, the bank reserves the right to accept or reject your application on the basis of the set criteria.

Documents Required to apply for Nainital Bank credit cards:

Proof of Identity	PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI
Proof of Address	Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 month’s old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement
Proof of Income	Latest one or 2 salary slip (not more than 3 months old), Latest Form 16, Last 3 months’ bank statement

If you wish to apply for any of the credit card variants provided by Nainital Bank, you can visit the nearest bank branch. All you need to do is just go to the bank’s representative and ask for the credit card application form. Fill the form with all the required information. Submit the duly filled form along with the relevant documents. The bank will then review and verify your application. After successful verification, the credit card will be dispatched to your registered address.

How To Download Nainital Bank Credit Card Application Form Online?

You can download the credit card application form online. Follow the below-listed instructions:

1. Visit the official website of Nainital Bank.
2. On the homepage, go to the ‘Rural / Agri Banking section’.
3. Select the ‘Card’ option and click on your preferred credit card option.
4. In the newly opened page, click on the ‘Application Form’ option
5. Take a print out of the form, fill out the required details and submit the form along with the required documents at the nearest Nainital Bank Branch.

For any complaints or queries related to credit card, you can contact the bank’s customer care. The contact details are mentioned below:

Contact Number:  05942 236313 / 05942 239280 

Email Address: chairman@nainitalbank.co.in, operations@nainitalbank.co.in

When will my Nainital Bank credit card statement be generated?

Your credit card statement will be generated at the end of the billing cycle.

What should I do if I lose my card or it is stolen?

If you lose your credit card or it gets stolen you should immediately call the bank’s helpline numbers and get the card blocked.

How are charges calculated for credit card transactions?

If you fail to make the payment of the credit card bills then the following charges are levied:

• Interest calculated on all the purchases from the date of purchase
• Late payment fees

Can I withdraw cash from ATMs using my Nainital Bank Credit Card?

Yes, you can withdraw cash using your credit card.