RURALCO CARD 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.
* 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
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.
* 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
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.
* 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
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.
* 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.
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.

Learn More

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Talk To Us Today

0800 787 256

ruralco@ruralco.co.nz

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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 2024 | Ruralco is the trading name for Ashburton Trading Society, a New Zealand owned co-operative