Farmers Mastercard
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Farmers · MASTERCARD
The Farmers Mastercard is a credit card from Farmers on the Mastercard network. It has an annual fee of NZ$50. It earns 0.80% on everything else.
Verified 27 Sept 2026
Key facts
- Annual fee
- NZ$50
- Purchase APR
- 28.5% p.a.
- Foreign transaction fee
- 1.4%
- Network
- MASTERCARD
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Everything else | 0.80% | 1 Farmers Club Point for every $10 spent where Mastercard is accepted; 250 points = a $20 Farmers voucher |
Benefits and perks
- 1 Farmers Club Point for every $10 spent anywhere Mastercard is accepted.
- Collect Farmers Club Points twice at Farmers by paying with the card and scanning a Farmers Club Card.
- Up to 55 days interest free on purchases.
- Long Term Finance deals at participating retailers (NZ$55 establishment fee on the first, NZ$35 on each one after).
- Additional cardholders at no extra cost.
Questions about the Farmers Mastercard
What is the annual fee on the Farmers Mastercard?
The Farmers Mastercard has an annual fee of NZ$50.
What rewards does the Farmers Mastercard earn?
The Farmers Mastercard earns 0.80% on everything else.
Is the Farmers Mastercard worth it?
The Farmers Mastercard is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
Community
Approval and real earn reports from cardholders are coming to this page soon.
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