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Ruralco Credit Card fees and charges

Ruralco Credit Card fees and charges (effective till 31 July 2026)
Item Charge
Annual Account Fee/Membership Fee** $100.00
Card Fee*** $25.00
Replacement Card $5.00
Late Payment $10.00
Disputed Transaction $0.00
Dishonour Fee (Late payment fee is charged instead) $0.00
Urgent Card Delivery (Actual courier fee) $0.00
Printed Statement Copies (Per statement period) $5.00
Overlimit Fee $0.00
Interest Rate 23.95% p.a.
* All charges will have GST applied to them, excluding the late payment charge.
**Annual Account Fee $100 + GST charged in six monthly instalments at $50 + GST per instalment. Fee is charged on anniversary of migration to the Ruralco Credit Card. Shareholders and Community Groups are exempt from this fee.
*** Card Fee $25 + GST per Ruralco card. Charged annually in January. 
Ruralco Credit Card fees and charges (effective from 1 August 2026)
Item Charge
Annual Account Fee/Membership Fee** $150.00
Card Fee*** $25.00
Replacement Card $5.00
Late Payment $10.00
Disputed Transaction $0.00
Dishonour Fee (Late payment fee is charged instead) $0.00
Urgent Card Delivery (Actual courier fee) $0.00
Printed Statement Copies (Per statement period) $5.00
Overlimit Fee $0.00
Interest Rate 23.95% p.a.
* All charges will have GST applied to them, excluding the late payment charge.
**Annual Account Fee $150 + GST charged in six monthly instalments at $75+ GST per instalment. Fee is charged on anniversary of migration to the Ruralco Credit Card. Shareholders and Community Groups are exempt from this fee.
*** Card Fee $25 + GST per Ruralco card. Charged annually in January. 
Our Story

Ruralco is a values-led farming co-operative since 1963. We make your farming life easier with the convenience of one card to use online or in store with one statement for consolidated spend & improved cashflow.

Through our supplier network we offer competitive pricing with real value to meet the needs of your farming business.

We are experts in agriculture, providing a complete solution with personalised farming advice and the latest innovations, on farm, instore or online.

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About Us
Ruralco is a values-led farming co-operative since 1963. We make your farming life easier with the convenience of one card to use online or in store with one statement for consolidated spend & improved cashflow.

Through our supplier network we offer competitive pricing with real value to meet the needs of your farming business.

We are experts in agriculture, providing a complete solution with personalised farming advice and the latest innovations, on farm, instore or online.

Learn more
Annual Report
Connect With Us
© Ruralco 2026 | Developed & Integrated by Acumen Online | Ruralco is the trading name for Ashburton Trading Society, a New Zealand owned co-operative