Farmers Finance Card and the new Farmers Mastercard®

The Farmers Finance Card team are excited to bring you the new and improved Farmers Mastercard, which will replace the Farmers Finance Card for new customers. With Farmers Mastercard, you can earn Farmers Club Points on all your purchases+, wherever Mastercard is accepted, worldwide. There are many other great benefits!

 

 


If you’re an existing Farmers Finance cardholder, here's all the benefits of the card you love!

 

 

Up to 55 days interest free

Get what you need for you and your family and enjoy up to 55 days no payments and no interest on all purchases on your Farmers Finance Card, by paying your closing balance in full by the due date.


Interest will apply to any part of the closing balance on your statement that is not paid by the payment due date. This interest will be calculated from the date the relevant Purchases were debited to your Account. Farmers Finance Card lending criteria, fees, and terms and conditions apply.

 

How it works:

An interest free period refers to the time between buying something with your Farmers Finance Card and when interest is applied to that purchase.  On the Farmers Finance Card you can enjoy an interest free period of up to 55 days on purchases.  The number of interest free days you receive depends on when in your statement cycle you make a purchase.  However, if you do not pay your balance in full by the payment due date stated on the statement, you will not receive interest free days on those purchases covered by that statement that have not been paid in full by the payment due date.

 

Things to remember:

  • The payment due date will be stated on the statement.  This will be 25 days from the date of the statement (the “payment due date”).
  • If you always pay your balance in full by its payment due date, you can enjoy up to 55 days interest free on all purchases.
  • Purchases made earlier in your statement cycle will enjoy more interest-free days (up to a maximum of 55 days) than those made later in your statement cycle.
  • If you do not pay your balance in full by the payment due date, you will pay interest on any part of the closing balance not paid in full, calculated back to the date your purchase was debited to your account.
  • If you don’t pay at least the minimum payment shown on your statement, you could be charged a late payment fee.
  • “Up to 55 days interest free” only applies to purchases, not cash advances.

 

If your statement is dated 1 October, the payment due date (and the end of the “up to 55 days interest free” period) for all purchases on that statement will be 26 October.

If you made a purchase on:


1 September ($100) - the payment date will be 26 October and you receive 55 days interest free
15 September ($50) - the payment date will be 26 October and you receive 41 days interest free
30 September ($25) - the payment date will be 26 October and you receive 26 days interest free

If you make payment of $150 on the payment due date leaving an outstanding balance of $25, interest will be calculated on $25 from 30 September (date of purchase) until the $25 is repaid in full.

 


Farmers Pay Later - 90 days no payments and no interest^

Look out for our Farmers Pay Later promotions. From time to time, when you pay with your Farmers Finance Card at Farmers, you'll get 90 days no payments and no interest^ on purchases $75 and over! It's just like lay-by but without the wait.

 

 

Accepted at thousands of stores nationwide

Your Farmers Finance Card is welcome at thousands of stores throughout New Zealand including supermarkets and petrol stations.

 

NO annual fees

There’s no joining fee, no annual account fee or deposit required to have a Farmers Finance Card.

 

Things you should know about Farmers Mastercard:

+Excludes cash advances, balance transfers, fees, interest charges or quasi-cash transactions. Farmers Club Points will appear on your Farmers Club Account, provided you have a valid Farmers Club Card linked to your Farmers Mastercard Account.

Mastercard is a registered trademark, and the circles design and Tap & go are trademarks of Mastercard International Incorporated.