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Simplify your business spending with a Ruralco Business Credit Card. Gain access to competitive discounts and savings for your business purchases, large or small. You’ll receive one comprehensive, convenient statement each month, with itemised invoices and GST amounts for all of your purchases, making managing cash flow easy.

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Competitive Pricing

Through our relationships with a wide range of businesses around New Zealand, we work hard to negotiate the best pricing for our customers. Discounts may be be applied immediately at point of sale, or shown on your monthly statement as a rebate.

One Monthly Statement

All purchases are itemised on your monthly statement, with discounts and GST amounts clearly identified.

Copies of all your GST receipts are included.

Statements are issued on the 20th of each month, to line up with your monthly invoicing.

Easy to use online account management so you can access your account at any time, anywhere.

Other Cardholders

Add cards for employees, farm workers or business partners, to enable them all to access discounts and special offers from the local businesses you know.

Keep track of individual spending, with the ability to apply rules to each card.

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Where can I use my card?

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Fuel Discounts

With a Ruralco Business Credit Card, you’ll consistently save at least 12c* off the fuel pump price at over 300 fuel outlets, including Mobil Service Stations, Allied Fuel Stops and listed sites nationwide. With a single monthly statement, you save time, money and get a clear view of your monthly fuel consumption.

*Subject to change.

Find out where to save at the pump

Fuel Sites

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Fees and Charges

Here are the fees and interest rates relating to your Ruralco Business Credit Card:

Item	Charge
Annual Account Fee^	$20.00
Additional Card Fee	$0.00
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
Statement Copies (Per statement period)	$5.00
Overlimit Fee	$0.00
Interest Rate	20.95% p.a.

Fees current from June 2022.
^Annual Fee is charged on first statement and then half yearly after that date at $10 per charge.

Terms & Conditions

Ruralco Business Credit Card Terms and Conditions

Managing your card

If your card is lost or stolen, you’ll need to tell us as soon as possible. Please call us on 0800 787 256, weekdays 8am – 5pm. Keep an eye on your transactions on your statements or in your online account, and let us know straight away if there are any purchases that were not made by you or any other cardholders on your account.

If you see a transaction on your account that you would like to dispute, please contact us on 0800 787 256, weekdays 8am – 5pm so we can investigate.

How to Read Your Statement

Set up a direct debit

Contact us on 0800 787 256 to get a copy of the Direct Debit Payment Application form, then complete and return this to us. We’ll set up a direct debit to pay your account.

Online banking

You can pay your Ruralco Credit Card by online transfer from your other bank accounts.

You’ll need these details:

Account number: 02 0836 0088452 00

Account name: Ruralco NZ Limited

Reference: Your customer number.

Ruralco Business Credit Card FAQs

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Did you know we also offer a Ruralco Credit Card so you can separate your personal spend?

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Important Information

If you do not pay your balance in full each month, you may incur interest charges. If you only make the minimum payment each month, you will pay more in interest and it will take you longer to pay off the unpaid balance. Eligibility criteria, lending criteria, and Ruralco Business Credit Card Terms and Conditions apply.

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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