PPCBL
Agricultural & Kisan
•••• •••• •••• 9440
VALID THRU 12/29
PPCBL Cooperative Kisan Card
PAYPAK
🇵🇰 Pakistan Rural Farmers Cooperative Kisan Debit Card

PPCBL Cooperative Kisan Card

Issued by Punjab Provincial Cooperative Bank Ltd.

Community-focused cooperative debit card providing direct crop input subsidies, low-interest microcredit, and secure payment facilities for Punjab agricultural societies.

Annual Fee PKR 800 / year (Subsidized)
Reward Rate Direct Punjab Farmer Subsidy Grants
APR / Profit Rate Subsidized Punjab Agri Mark-up

Exclusive Features & Cardholder Privileges

✓

Punjab Farmer Subsidies

Direct digital subsidy transfers on pesticides, diesel, and agricultural machinery.

✓

Free 1LINK ATM Access

Withdraw agricultural funds without extra fee across rural ATM hubs.

RichQuill Editorial Verdict: Pros & Cons

✓ What We Like

  • Lowest annual fee in Pakistan
  • Direct link to cooperative credit societies
  • Tailored for smallholder farmers

⚠ Considerations

  • Restricted to Punjab cooperative society members

Detailed Fees & Specifications

Card Name PPCBL Cooperative Kisan Card
Issuing Financial Institution Punjab Provincial Cooperative Bank Ltd. (Lahore, Pakistan)
Card Network PAYPAK
Card Type Kisan Debit Card
Primary Category Agricultural & Kisan
Annual Fee PKR 800 / year (Subsidized)
Interest Rate / APR Subsidized Punjab Agri Mark-up
Rewards & Cashback Rate Direct Punjab Farmer Subsidy Grants
Foreign Transaction Fee Domestic Only
Airport Lounge Access Specialized Rural Card (No lounge)
0% Installments / Financing Biannual Crop Harvest Repayments
Welcome Bonus Offer Zero account maintenance fee for rural cooperatives
Eligibility & Credit Score Members of Punjab Cooperative Societies