What annual fees do Farmers Finance credit cards charge?

The Farmers Finance documents we've ingested don't state a single annual-fee figure for every card, and we only publish figures we can trace to a source — so some fee cells in the comparison table above are empty rather than estimated. For the current fee schedule, check Farmers Finance's own credit-card pages (linked at the bottom of this page) or each card's review page for the verbatim fee clauses we do hold.

What are the purchase interest rates on Farmers Finance credit cards?

Farmers Finance publishes its current credit-card interest rates on its own rates page rather than inside the Conditions of Use documents we ingest, so we don't display a rate figure we can't source. The comparison table above shows a purchase APR only where it appears in an ingested document; for today's rates, use Farmers Finance's rates page (linked at the bottom of this page). Under the CCCFA, the issuer must disclose all interest rates and fees before you enter the contract.

How do I apply for a Farmers Finance credit card?

Applications are made directly with Farmers Finance — typically online through Farmers Finance's website, or via a branch or phone where offered. Under the CCCFA, Farmers Finance must assess affordability and suitability for every application, so whether you're approved — and the credit limit offered — depends on that individual assessment. The eligibility criteria Farmers Finance publishes (minimum age, and minimum income where stated) are quoted verbatim in the "Application requirements" section of this page, sourced from each card's Conditions of Use.

How do I dispute an unauthorised transaction on my Farmers Finance card?

Each Farmers Finance card has an unauthorised-transaction clause in its Conditions of Use that we publish verbatim in the "Your dispute and chargeback rights" section below. If you can't resolve the dispute with Farmers Finance directly, every Farmers Finance card directs you to an external dispute resolution scheme (typically the Banking Ombudsman Scheme). Citations link to Farmers Finance's own T&C document.

How current is the information on this page?

Every card fact on this page is sourced from Farmers Finance's official Conditions of Use PDFs. The most recent ingestion was on pending. Each fact carries a source-tier badge: Tier A (verbatim from issuer's T&C PDF), Tier B (issuer's live website), Tier C (editorial registry, awaiting T&C ingest). We enforce a 36-month freshness cap on source documents — any fact older than that is automatically excluded from the page.

Is "best Farmers Finance credit card" advice on this page?

No — we publish facts, not rankings. Under FMA and CCCFA fair-dealing rules, we don't claim any card is "best" without disclosed methodology, and we don't publish "guaranteed approval" or similar prohibited marketing language. The comparison table is sorted by card name; you compare the facts that matter to your situation and make your own decision. If you want one-on-one advice, see a licensed Financial Advice Provider — we do not provide advice.

What rights does the Credit Contracts and Consumer Finance Act (CCCFA) give me?

The CCCFA 2003 requires every credit-card issuer to lend responsibly, disclose all costs upfront, give you a cooling-off period for new credit contracts, and offer external dispute resolution. Every Farmers Finance T&C we've ingested confirms the dispute scheme they belong to — usually the Banking Ombudsman Scheme. If a lender doesn't follow CCCFA rules, you can complain to the Commerce Commission. Free budgeting help is available via FinCap (0800 345 123).

How does Farmers Finance compare with other NZ credit-card issuers?

See our cross-issuer pillar guide at /credit-cards/ for the 14-issuer comparison, or use the comparison table above to drill into specific Farmers Finance cards. Every other big-bank issuer on the platform (ANZ, ASB, BNZ, Westpac, Kiwibank) carries the same T&C-ingested fact set, so cross-comparison is apples-to-apples.

Farmers Finance Credit Cards

Farmers Finance Card — the retail store card from Farmers New Zealand, used for in-store purchases and Farmers Club rewards. T&C ingest pending — figures shown below are Tier-C registry data until the Conditions of Use ingest lands.

Cards

1 active

Annual fee

—

Purchase APR

—

T&C ingested

0/1

Last verified

pending

Quick answer: what credit cards does Farmers Finance offer?

Farmers Finance currently offers 1 credit card in New Zealand: Farmers Finance Card. Every figure on this page is sourced from Farmers Finance's published Conditions of Use documents and rates pages — the side-by-side table below compares each card on fees, rates and rewards.

📋 Provenance promise

Every fact on this page is sourced from Farmers Finance's official Conditions of Use PDFs (SHA-256 hashed, 36-month freshness cap). Green chip A = verbatim from T&C. Blue B = issuer website. Amber C = editorial registry, T&C ingest pending. JSON facts API →

Side-by-side comparison — all Farmers Finance cards

Updated July 2026. Source-tier badge next to each value links to the original T&C PDF or issuer rates page. Empty cells mean the figure isn't in the ingested T&C — see the per-card sections below for the verbatim quote.

Card	Annual fee	Purchase APR	Cash advance APR	BT promo APR	BT months	Interest-free days	FX fee	Late fee	Min repayment	Supplementary fee	Replacement fee	Min income
Farmers Finance Card Proprietary	—	—	—	—	—	—	—	—	—	—	—	—

Every Farmers Finance card — deep dive

Each card with its full fact set; T&C-linked. Tap "View full T&C" to read the verbatim markdown.

Farmers Finance Card

Proprietary · active

Ingest pending

Annual fee: —
Purchase APR: —
Cash advance APR: —
Interest-free: —
Min income: —

storeno annual fee

Full Farmers Finance Card review →

Compare Farmers Finance cards with the rest of the market

Farmers Finance's lineup spans the card categories below. Each link opens the cross-issuer comparison for that category — same snapshot data, every NZ issuer side by side. Categorisation, not ranking.

NZ credit card fees — annual, late, replacement, supplementary

Side-by-side comparison of the fee schedule across active NZ credit cards. Every figure sourced from the issuer's Conditions of Use.

Also see the NZ credit cards pillar guide for the full cross-issuer landscape, or the interactive comparison grid to filter every card in the snapshot.

Frequently Asked Questions

: The Farmers Finance documents we've ingested don't state a single annual-fee figure for every card, and we only publish figures we can trace to a source — so some fee cells in the comparison table above are empty rather than estimated. For the current fee schedule, check Farmers Finance's own credit-card pages (linked at the bottom of this page) or each card's review page for the verbatim fee clauses we do hold.
: Farmers Finance publishes its current credit-card interest rates on its own rates page rather than inside the Conditions of Use documents we ingest, so we don't display a rate figure we can't source. The comparison table above shows a purchase APR only where it appears in an ingested document; for today's rates, use Farmers Finance's rates page (linked at the bottom of this page). Under the CCCFA, the issuer must disclose all interest rates and fees before you enter the contract.
: Applications are made directly with Farmers Finance — typically online through Farmers Finance's website, or via a branch or phone where offered. Under the CCCFA, Farmers Finance must assess affordability and suitability for every application, so whether you're approved — and the credit limit offered — depends on that individual assessment. The eligibility criteria Farmers Finance publishes (minimum age, and minimum income where stated) are quoted verbatim in the "Application requirements" section of this page, sourced from each card's Conditions of Use.
: Each Farmers Finance card has an unauthorised-transaction clause in its Conditions of Use that we publish verbatim in the "Your dispute and chargeback rights" section below. If you can't resolve the dispute with Farmers Finance directly, every Farmers Finance card directs you to an external dispute resolution scheme (typically the Banking Ombudsman Scheme). Citations link to Farmers Finance's own T&C document.
: Every card fact on this page is sourced from Farmers Finance's official Conditions of Use PDFs. The most recent ingestion was on pending. Each fact carries a source-tier badge: Tier A (verbatim from issuer's T&C PDF), Tier B (issuer's live website), Tier C (editorial registry, awaiting T&C ingest). We enforce a 36-month freshness cap on source documents — any fact older than that is automatically excluded from the page.
: No — we publish facts, not rankings. Under FMA and CCCFA fair-dealing rules, we don't claim any card is "best" without disclosed methodology, and we don't publish "guaranteed approval" or similar prohibited marketing language. The comparison table is sorted by card name; you compare the facts that matter to your situation and make your own decision. If you want one-on-one advice, see a licensed Financial Advice Provider — we do not provide advice.
: The CCCFA 2003 requires every credit-card issuer to lend responsibly, disclose all costs upfront, give you a cooling-off period for new credit contracts, and offer external dispute resolution. Every Farmers Finance T&C we've ingested confirms the dispute scheme they belong to — usually the Banking Ombudsman Scheme. If a lender doesn't follow CCCFA rules, you can complain to the Commerce Commission. Free budgeting help is available via FinCap (0800 345 123).
: See our cross-issuer pillar guide at /credit-cards/ for the 14-issuer comparison, or use the comparison table above to drill into specific Farmers Finance cards. Every other big-bank issuer on the platform (ANZ, ASB, BNZ, Westpac, Kiwibank) carries the same T&C-ingested fact set, so cross-comparison is apples-to-apples.

How we keep this page current

Source: Farmers Finance's official Conditions of Use PDFs (downloaded with browser user agent — NZ bank CDNs reject bot UAs).
Hash: Every ingested PDF gets a SHA-256 hash so we can detect document-level changes between versions.
Extract: Haiku 4.5 produces verbatim markdown; Sonnet 4.6 extracts a 49-field structured fact set against a Zod schema.
Freshness cap: 36 months on source-document date — any fact older than that is automatically excluded from the page.
Provenance: Every cell on this page links to the source PDF (or issuer page) for that specific fact.
Open data: See /api/issuer/farmers-finance/facts.json for the structured fact dump, or /api/card/farmers-card/wording.md for a verbatim T&C example.

Compliance + scope

This page publishes facts, not advice. We don't claim any card is "best" without disclosed methodology, and we don't carry CCCFA-prohibited marketing language ("guaranteed approval", "lowest rate", "no credit check", "anyone can qualify"). For one-on-one advice, see a licensed Financial Advice Provider — we are not a FAP.

Rewards program names are trademarks of their respective owners (Airpoints® Air New Zealand, True Rewards® ANZ, Hotpoints® Westpac, Fly Buys® Loyalty New Zealand).

Visit Farmers Finance's credit card page →