RURALCO CARD TERMS AND CONDITIONS

RURALCO BUSINESS CREDIT CARD TERMS AND CONDITIONS valid till 31 July 2025

RURALCO PERSONAL CREDIT CARD TERMS AND CONDITIONS valid till 31 July 2025

RURALCO CREDIT CARD TERMS AND CONDITIONS valid from 1 August 2025

RURALCO MERCHANT TERMS AND CONDITIONS

Ruralco Credit Card fees and charges

Item

Charge*

Annual Account Fee/Membership Fee**

Card Fee***

Replacement Card

Late Payment

Disputed Transaction

Dishonour Fee (Late payment fee is charged instead)

Urgent Card Delivery (Actual courier fee)

Printed Statement Copies (Per statement period)

Overlimit Fee

Interest Rate

$100.00

$25.00

$5.00

$10.00

$0.00

$0.00

$0.00

$5.00

$0.00

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 card. Charged annually in January. Community Groups are exempt from this fee.

Ruralco Credit Card fees and charges

Item

Charge*

$100.00

$25.00

$5.00

$10.00

$0.00

$0.00

$0.00

$5.00

$0.00

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 card. Charged annually in January. Community Groups are exempt from this fee.

Ruralco Credit Card fees and charges

Item

Charge*

$100.00

$25.00

$5.00

$10.00

$0.00

$0.00

$0.00

$5.00

$0.00

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 card. Charged annually in January. Community Groups are exempt from this fee.

Ruralco Credit Card fees and charges

Item

Charge*

$100.00

$25.00

$5.00

$10.00

$0.00

$5.00

$0.00

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 card. Charged annually in January. Community Groups are exempt from this fee.

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