Farmers Credit Card – Review & Apply for Farmers Credit Cards

Farmers offers the Farmers Mastercard credit card and Farmers Finance card which give you access to exclusive promos across 59 Farmers stores New Zealand wide. The difference between the two cards is that the Farmers Mastercard is a rewards credit card that allows you to earn 1 Farmers Club Point for every $10 you spend using your Farmers Mastercard credit card but charges an annual fee of $50. The Farmers Finance Card on the other hand is a credit card with no annual fee and no rewards points.

To apply for a Farmers credit card simply click on the “Apply Now” button to review the details before applying. For more information about a specific card on our site click on the “more info” link.

The Amex Airpoints Platinum Card is the FASTEST Air NZ Airpoints Dollar^TM earning Platinum credit card. Every $70 spend earns you 1 Airpoints Dollar. Every $70 spend earns you 1 Airpoints Dollar. This card also includes complimentary Travel Insurance, VIP Lounge access and more. CURRENT OFFER: Be rewarded with 400 bonus Airpoints Dollars™ when you apply, are approved and spend $1,500 on your new Card within the first 3 months. New Amex Card Members only. Offer ends 26th May 2025.

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Updated: 14 May, 2025

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Farmers Credit Card

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Card	Description	Purchase Rate (p.a.)	Balance Transfer	Cash Rate (p.a.)	Annual Fee	Interest Free Days
Farmers Mastercard Credit Card Gold Award (Personal)	Earn 1 Farmers Club Point for every $10 you spend using your Farmers Mastercard credit card. This card has a $50 annual fee and a $55 establishment fee on your first purchase using Long Term Finance. The establishment fee reduces to $35 for subsequent Long Term Finance Purchases. Reward Points Cash Equivalent: $100 spend earns $0.80 cash equivalent^.	28.50%	N/A	N/A	$50.00	Up to 55 days More Info » Apply Now »
Farmers Finance Card Gold Award (Personal)	Farmers Finance Card has no annual account and you get access to exclusive extended payment deals at Farmers!	28.50%	N/A	28.50% p.a.	$0.00	Up to 55 days More Info » Apply Now »

^ To help you compare reward points across different credit cards and rewards programs, we provide an estimate of the cash-equivalent of the reward points that you will get back for every $100 you spend on eligible purchases with your card. The cash equivalent value given is an estimate only based on a specific redemption example. In some cases you might earn less or more depending on how you redeem your ponts and some reward points cannot be redeemed for cash directly. Click on the card to find out how the estimate was calculated.

The Amex Airpoints Platinum Card is the FASTEST Air NZ Airpoints Dollar^TM earning Platinum credit card. Every $70 spend earns you 1 Airpoints Dollar. Every $70 spend earns you 1 Airpoints Dollar. This card also includes complimentary Travel Insurance, VIP Lounge access and more. CURRENT OFFER: Be rewarded with 400 bonus Airpoints Dollars™ when you apply, are approved and spend $1,500 on your new Card within the first 3 months. New Amex Card Members only. Offer ends 26th May 2025.

More Info »

*Terms and conditions apply

About Farmers Credit Cards

Farmers offers two credit cards which are the Farmers Mastercard credit cards and the Farmers Finance card.

About Farmers Trading Company

Farmers Trading Company, often known simply as Farmers, began its journey in 1909. Founded by Robert Laidlaw, the company initially operated as a mail-order business. This innovative approach allowed customers from all over New Zealand to access a wide range of products without leaving their homes. The convenience and reliability of this service quickly made Farmers a household name.

Key Milestones Over the Decades

Throughout its history, Farmers has achieved several significant milestones:

1. 1917: The company merged with the Farmers’ Union Trading Company, leading to the formation of the Farmers’ Trading Company. Robert Laidlaw became the managing director.
2. 1920s: Farmers expanded into retail, adopting the department store model that it is known for today.
3. 1980s: The company continued to grow, opening new stores across New Zealand and diversifying its product range.
4. 2003: Farmers was acquired by the James Pascoe Group, ensuring its continued growth and stability.

Recent Developments

In recent years, Farmers has embraced modern retail trends while staying true to its core values. The company has invested in online shopping platforms, making it easier for customers to shop from the comfort of their homes. Additionally, Farmers has focused on sustainability initiatives, ensuring that its operations are environmentally friendly. The company remains a beloved and trusted name in New Zealand retail, known for its commitment to quality and customer service.

Product Range and Specialisations

Farmers ltd New Zealand offers a wide variety of clothing for the entire family. You will find stylish and affordable options for men, women, and children. The store features popular brands and keeps up with the latest fashion trends to ensure you always look your best.

In the homewares and furniture section, you can explore a range of products to enhance your living space. From comfortable sofas and elegant coffee tables to practical bookcases and cozy chairs, Farmers has everything you need to make your home both functional and beautiful.

Farmers also provides a selection of large appliances and whiteware to meet your household needs. Whether you are looking for a new refrigerator, washing machine, or oven, you will find reliable and high-quality options to choose from. The store ensures that all products are from trusted brands, giving you peace of mind with every purchase.

Ownership and Management

Farmers Trading Company was established in 1909 by Robert Laidlaw. He envisioned a retail store that offered a wide range of products at affordable prices. Over the years, the company grew and became a household name in New Zealand.

Throughout its history, Farmers has seen several changes in ownership. In the 1980s, the company was acquired by DEKA, a retail chain. Later, it became part of the James Pascoe Group, which also owns other well-known New Zealand retail brands.

Today, Farmers is managed by a team of experienced professionals who are committed to maintaining the company’s legacy while driving innovation. The current management focuses on customer satisfaction, employee welfare, and sustainable practices to ensure the company’s continued success.

Farmers’ Presence in New Zealand

Farmers operates 59 stores across New Zealand, offering a wide range of products including family fashion, beauty, homewares, furniture, large appliances, and whiteware. Each store is designed to provide a pleasant shopping experience, ensuring that you find everything you need under one roof.

The headquarters of Farmers is located in Flat Bush, Auckland. This central location allows for efficient management and coordination of all the stores across the country. The headquarters is the hub where strategic decisions are made to enhance your shopping experience.

Farmers also has a strong online presence through its website, farmers.co.nz. The online store offers the same variety of products as the physical stores, making it convenient for you to shop from the comfort of your home. The website is user-friendly and provides detailed information about each product, ensuring that you make informed purchasing decisions.

Customer Engagement and Loyalty Programs

Loyalty Program Details

Farmers Ltd offers a loyalty program known as the Farmers Club. By joining, you can earn points on every purchase, which can be redeemed for discounts on future buys. Membership is free, and you can sign up online or in-store. The program also provides exclusive offers, early access to sales, and special birthday rewards.

Customer Service Excellence

At Farmers, customer service is a top priority. The company ensures that every customer has a pleasant shopping experience. Friendly and knowledgeable staff are always ready to assist you, whether you are shopping in-store or online. Additionally, Farmers provides multiple channels for customer support, including phone, email, and live chat.

Community Involvement

Farmers Ltd is deeply committed to supporting the community. The company regularly participates in local events and charity drives. They also collaborate with various organisations to promote social causes and provide aid to those in need. By shopping at Farmers, you are not just buying products; you are also contributing to the betterment of the community.

Sustainability and Corporate Responsibility

Environmental Initiatives

Farmers Ltd is committed to protecting the environment. We have several programs to reduce our carbon footprint and promote sustainability. These include:

• Energy Efficiency: We use energy-saving technologies in our stores and offices.
• Waste Reduction: We recycle materials and minimise waste.
• Sustainable Products: We offer eco-friendly products to our customers.

Ethical Sourcing

We believe in fair trade and ethical sourcing. Our suppliers must follow strict guidelines to ensure fair labor practices and safe working conditions. We also prioritise sourcing materials that are environmentally friendly.

Community Support

Farmers Ltd is dedicated to giving back to the community. We support various local initiatives and charities. Our employees are encouraged to volunteer and participate in community service projects. We believe that by supporting our community, we can make a positive impact on society.

Frequently Asked Questions

What is Farmers Trading Company?

Farmers Trading Company, also known as Farmers, is a mid-market department store chain in New Zealand. They offer a variety of products, including family fashion, beauty items, homewares, furniture, and large appliances.

When was Farmers Trading Company founded?

Farmers Trading Company was founded in 1909 by Robert Laidlaw. It started as a mail-order business and has grown into one of New Zealand’s leading department store chains.

Who owns Farmers Trading Company now?

Farmers Trading Company is currently owned by the James Pascoe Group. They acquired the company in 2003, bringing it back to New Zealand ownership.

How many stores does Farmers operate in New Zealand?

Farmers operates 59 stores across New Zealand. They have a strong presence in both urban and rural areas.

Where is the headquarters of Farmers Trading Company located?

The headquarters of Farmers Trading Company is located in Flat Bush, Auckland, New Zealand.

Does Farmers have an online store?

Yes, Farmers has an online store where customers can shop for a wide range of products. You can visit their website at www.farmers.co.nz.