What Is Farmers Club?
Farmers Club is the free loyalty programme for Farmers, New Zealand's largest department store chain with ~59 stores nationwide. Scan your card when you shop and earn points towards $20 vouchers. The catch: the return varies wildly by department — 8% back on beauty and fragrance is genuinely strong, but fashion (1.6%) and home (0.8%) are underwhelming.
When Is Farmers Club Worth It?
Without effort: Spend $150/month across departments, scan your card → roughly $40/year in vouchers
With the 3 moves: Focus beauty purchases at Farmers and time bigger buys around Double Points events → realistically $80–140/year
Recent changes: Flybuys NZ closed at the end of 2024, leaving Farmers Club as one of the stronger standalone retail loyalty programmes in New Zealand. No major structural changes to earn rates or thresholds in the past 12 months.
How It Works
Where it works: All Farmers stores and Stevens stores across New Zealand, plus farmers.co.nz online.
What you earn: It depends on the department. Beauty & Fragrance: 1 point per $1. Fashion: 1 point per $5. Home, electronics, toys, furniture, and Stevens: 1 point per $10.
How you get it back: Every 250 points converts to a $20 Farmers voucher, redeemable in-store or online. That's the only redemption option — no cash-out or bank transfer.
What it costs: Free. Always has been.
How to sign up: Register online at farmers.co.nz or at the counter in any Farmers or Stevens store — takes two minutes. Your card is available digitally straight away. You can scan your card into SuperCards via screenshot after registration.
Member perks: Club-exclusive pricing online (only visible when you're signed in and the product is in your cart). Double Points and bonus events during Club Days and Club Weeks throughout the year. A small birthday gift — collect it from any Farmers store during your birthday month.
Good to know: Online, you need to be signed in to your Farmers Club account before you shop — otherwise points won't register. Points cannot be added retroactively if you forget to scan. Vouchers are only valid for 3 months once earned, so use them promptly.
The 3 Moves That Actually Matter
1. Concentrate beauty and fragrance purchases at Farmers
At 1 point per $1, beauty is where Farmers Club actually delivers. That's an 8% return — better than most loyalty programmes in New Zealand. If you buy skincare, makeup, or fragrance from brands Farmers carries, make it your default shop and always scan your card. A $250 annual beauty spend alone gets you a $20 voucher. Keep your card in SuperCards so you never forget to scan.
2. Always sign in online before browsing
Farmers runs member-exclusive pricing that only appears after you sign into your Club account and add items to your cart. If you're browsing logged out, you're seeing the non-member price. This takes five seconds and can save more on a single purchase than weeks of points collecting.
3. Time bigger purchases around Double Points events
Farmers regularly runs Double Points promotions around major weekends — Labour Weekend, Black Friday, mid-year sales. If you've got a larger purchase planned (especially beauty or fashion), waiting a week or two for a Double Points event can meaningfully boost your return. The Farmers website announces these a few days beforehand.
Get Your Points Out (Best → Worst)
$20 voucher at Farmers or Stevens — 250 points = $20. Use in-store or online. The only redemption option, and it works fine.
There's a way to double your points earning on every Farmers purchase — see Pro Tips below.
Letting vouchers expire — Vouchers are only valid for 3 months. If you miss the window, that $20 is gone. Set a reminder.
Watch Out For
- Points expire by category. Beauty and fashion points expire 6 months from purchase. Home points expire after 12 months. If you don't reach 250 points before the clock runs out, they vanish.
- Vouchers expire in 3 months. Once you earn a $20 voucher, you've got 12 weeks to use it. Easy to miss if you don't shop regularly.
- No retroactive points. Forgot to scan? Those points are gone. Staff can't add them after the fact.
- Home/electronics return is near-zero. You'd need to spend $2,500 on home products for a single $20 voucher. Don't change your shopping habits to chase home points — it's not worth it.
When to Skip Farmers Club
- You mainly buy homewares and electronics. At 0.8% return, a $1,000 appliance earns you just 100 points — still 150 short of a voucher. You're better off shopping on price alone.
- You spend under $50/month at Farmers. Your annual return would be a few dollars at best. Not worth thinking about.
- A competitor has a better deal on the same product. Farmers isn't always the cheapest — check prices elsewhere before buying something just to earn points.
🔥 Pro Tips — For the Optimisation Nerds
Quick Reference
| Cost | Free |
| Earn rate | Beauty: 1 pt/$1 · Fashion: 1 pt/$5 · Home: 1 pt/$10 |
| Point value | 250 points = $20 voucher (1 point = $0.08) |
| Effective cashback | Beauty 8% · Fashion 1.6% · Home 0.8% |
| Points expire | Beauty/Fashion: 6 months · Home: 12 months · Vouchers: 3 months |
| Best redemption | $20 voucher (only option) |
| Website | farmers.co.nz |
As of May 2026
