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Effective from 24 January 2024, we will be making changes to the Farmers
Mastercard Interest Rates. Click here for details.

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FAQs
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 * Things To Know
 * Ways To Pay
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THERE’S MORE TO LOVE WITH A FARMERS MASTERCARD®

 

WHAT IS A FARMERS MASTERCARD?

A Farmers Mastercard is the ultimate credit card for people who love the Farmers
store. With every purchase you make – anywhere Mastercard is accepted – you’ll
earn Farmers Club Points which you can then spend in-store or online at Farmers.
To apply for a Farmers Mastercard, click here.

 

WHAT ARE THE BENEFITS OF A FARMERS MASTERCARD?

Having a Farmers Mastercard unlocks a number of fantastic features and benefits
– exclusive to you. To read all about them, click here.

 

 

ADDITIONAL CARDHOLDERS

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WHO CAN BE AN ADDITIONAL CARDHOLDER?



An Additional Cardholder must be at least 16 years of age and have a valid New
Zealand drivers licence. They must also have a valid email address and mobile
number that are both different to those that are registered to the Primary
Cardholder.


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HOW DO I INVITE SOMEONE TO BE AN ADDITIONAL CARDHOLDER ON MY ACCOUNT?



To invite someone to be an Additional Cardholder on your account you must have a
My Account login. If you don’t yet have one, you can create your account here.

 

Log in or Sign Up to My Account, head to “My Cards” and enter in the details of
the person/s you would like to invite onto your account. An email will then be
sent to that person inviting them to complete an application which will take
less than five minutes.


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WHO IS RESPONSIBLE FOR PAYING THE ADDITIONAL CARDHOLDER’S PURCHASES?



Additional Cardholders use the Primary Cardholders credit limit therefore the
Primary Cardholder is liable for any purchases and the outstanding balance of
their account regardless of who made the purchase. As the Primary Cardholder you
will have full visibility of any purchases made by Additional Cardholders on
your monthly statement and in My Account.


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DOES AN ADDITIONAL CARDHOLDER GET THEIR OWN FARMERS MASTERCARD?



Once an Additional Cardholders application is accepted by Farmers Mastercard and
our Terms and Conditions accepted by them, we will post the Additional
Cardholder their own card sent to the address supplied during their application.
Their card is sent free of charge however a Replacement Card Fee will apply for
any lost, damaged or stolen cards. You can find out more about these fees here.


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CAN AN ADDITIONAL CARDHOLDER LINK THEIR OWN FARMERS CLUB CARD TO THEIR FARMERS
MASTERCARD?



The Farmers Club Card linked to the Primary Cardholders account is the only
Farmers Club Card number that can be used for any Additional Cardholder cards.
This means that any Additional Cardholders will need to have the same Farmers
Club Card linked as the Primary Cardholder does.



CONTACTLESS PAYMENTS

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HOW DO I ADD FARMERS MASTERCARD TO MY DIGITAL WALLET?



We support contactless payments including Apple Pay, Google Pay and Garmin Pay.

To see how you can add your Farmers Mastercard to your device’s digital wallet,
please see ‘how to set up your digital wallet’ for each of the respective
webpages:

 * Apple Pay
 * Google Pay
 * Garmin Pay

With Farmers Mastercard now in your digital wallet, you’ll be able to pay with
your mobile device anywhere with a contactless payment symbol




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IS THERE AN INCREASE IN CONTACTLESS PAYMENT LIMIT?


During the Covid-19 pandemic, New Zealand’s payments industry will progressively
roll out a temporary increase to the PIN limit for Contactless card payments to
$200. The increase, which is up from the current $80 limit, aims to help reduce
the need for customers to touch PIN pads when making in-store purchases during
the COVID-19 pandemic. Therefore, you can now use your Farmers Mastercard during
this time for Contactless purchases of up to $200.

 



Given the number of cards, payment terminals and businesses involved from across
the country – it’s expected to take a few weeks for the roll out to be completed
by retailers. Whilst our Farmers Mastercards are activated with the benefit now,
we require merchants to activate contact payment capabilities at their
terminals.

 



For Contactless payments over $200, the terminal will still ask for a PIN number
so just follow the prompts.

 



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HOW CAN I USE APPLE PAY, GOOGLE PAY OR GARMIN PAY WITH MY FARMERS MASTERCARD?



The new $200 PIN limit will automatically be applied to payments made in store
using your mobile phone with Apple Pay, Google Pay or Garmin Pay. You will not
have to make any changes to the existing card details on your phone. You may
have noticed that some terminals already don’t ask for a PIN. This is because
some terminals are set up to know your mobile has identified you using your
fingerprint or face ID, and don’t then require a PIN for any limit. That will
continue at those terminals.


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I AM NEW TO CONTACTLESS PAYMENTS. WHAT DO I NEED TO KNOW?



All you need to do is follow the usual prompts on the PIN pad when paying. If
the limit has become active on that payment terminal, it will kick in
automatically. You will simply see the Contactless symbol show on screen, hold
your card directly above the screen and you will see the status of your payment
on screen. That’s it.



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WHAT ABOUT SAFETY AND SECURITY?


Farmers Mastercard will continue to monitor transaction accounts and alert
customers to any unusual activity. If you have any concerns about unauthorised
transactions on your account, please contact us. We also advise all customers to
treat their contactless cards like they would cash and take the necessary
precautions to keep them safe. While contactless cards are a secure way to pay,
if lost or stolen, they should be reported immediately here.



FARMERS CLUB CARD POINTS

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HOW DO I REDEEM MY FARMERS CLUB POINTS?



For information on the Farmers Club and redemption of Points, please refer to
the Farmers Club terms and conditions


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HOW DO I LINK MY FARMERS CLUB CARD?



During the application process, we’ll ask you to enter your Farmers Club Card
number. You can find this printed on your Farmers Club Card.
You don’t have to enter your card on signup, just login to your My Account at
any time and link (or update) your Farmers Club Card, but remember you won’t
earn Club points if you don’t have a card linked!


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HOW DO I SEE MY FARMERS CLUB POINTS BALANCE?



To view your Farmers Club Points balance or see your available vouchers, log in
to your Farmers Club Account.


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HOW DO I EARN FARMERS CLUB POINTS BY PURCHASING ON MY FARMERS MASTERCARD?



Farmers Club Points are earned by making purchases on your Farmers Mastercard
when you have a valid Farmers Club Card linked to your Farmers Mastercard.

As at 4 June 2019, the earn rate is 1 Farmers Club Point for every $10 you spend
on a purchase using your Farmers Mastercard at any store where Mastercard is
accepted.



FARMERS MASTERCARD APP

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WHY CAN’T I SEE QUICK BALANCE?



Quick Balance will only display if you have enabled it. You can enable this
feature from the Account menu.


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WHAT IS QUICK BALANCE?



Quick Balance lets you quickly check your balance from the login page. You can
enable this feature from the Account menu.


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HOW CAN I ACTIVATE MY CARD IN THE APP?



Activate your card from the tile on the home screen, or by clicking on the
Account section located at the bottom navigation menu of the app.


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IS ACTIVATION FOR NEW OR EXISTING CUSTOMERS?



The card activation feature will work for both new and existing customers. If
you’re a first-time user you’ll just need to set your login credentials and
password in the app.


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HOW CAN I DOWNLOAD THE FARMERS MASTERCARD APP?



The app can be easily downloaded via the IOS or Android app Stores. Learn more
about the app here.


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DO I NEED TO UPDATE MY FARMERS MASTERCARD APP?



If you have enabled automatic updates, the latest version of the app will update
when you’re connected to wi-fi. If you have disabled automatic updates, you will
need to download the latest version of the app from the iOS or Android App
Store.



FEES AND TERMS

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WHAT ARE THE TERMS AND CONDITIONS?



Our terms and conditions can be viewed here.


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WHY HAVE I BEEN CHARGED $25 ON MY CARD?



The Farmers Mastercard has an annual fee of $50 applied to your Account twice a
year ($25 on opening and every 6 months thereafter).

Fee correct as at 4 June 2019.



GENERAL

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HOW DO I REPORT VULNERABILITIES OR SECURITY CONCERNS TO HUMMGROUP?



Please report vulnerabilities or any security concerns as soon as possible so
that we can review and improve the safety and reliability of our systems . To
report a vulnerability, use the Submission Form on our hummgroup Responsible
Disclosure Policy page.


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HOW CAN I CANCEL MY LONG-TERM PURCHASE(S) ON DELAYED DELIVERY?



If you wish to cancel a Long-Term Finance purchase on delayed delivery, you must
contact the merchant where the purchase was made directly and request the
merchant cancels the transaction on your behalf. Please note – cancellation of
the transaction will be subject to the merchant’s cancellation policy.


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HOW CAN I CLOSE MY ACCOUNT?



If you wish to close your Account, you must ensure that all outstanding
Purchases on Delayed Delivery, automatic payment and any other periodic and/or
recurring debits on your Account are cancelled. You can request your Account be
cancelled at any time by contacting us on 0800-990-077 or +64 9 953 0556. You
will need to obtain a final settlement figure to ensure your account is paid in
full. The final settlement figure will include any unpaid interest calculated up
to the last billing date. Please keep in mind your account must have a zero
balance before we can close your account.


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WHY DOES FARMERS MASTERCARD WANT TO KNOW MY LOCATION WHEN I USE THE FARMERS
MASTERCARD APP?



Farmers Mastercard may request access to your location even when you are not
using the app. We need this permission so we can check whether the app is being
used from an unexpected overseas location to protect your account from fraud.
Certain services and features may not be available if the app is being used
outside of New Zealand. If you do not permit us to access your location, there
are some features of the app (such as the view your Farmers Mastercard details
feature) we may not be able to provide to you for security (and other) reasons.


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HOW DO I GET IN CONTACT WITH YOU?



To get in contact with us please call us on 0800 990 077 from NZ or +64 9 953
0556 from overseas.



HARDSHIP

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CAN I REDUCE MY PAYMENTS?



Yes, reduction of repayments is one available option to assist during financial
hardship.


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WHAT IF I AM STILL IN THE SAME POSITION IN THREE MONTHS’ TIME?



If in three months’ time you find that your situation hasn’t changed or hasn’t
improved to a point where you’re able to continue repayments, your account will
be reassessed and we’ll be happy to discuss additional options.


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HOW DO I APPLY FOR HARDSHIP?



To apply for hardship, send us an enquiry using this form and one of our team
will be in contact with you to discuss your options. Or if you’d like to speak
directly to one of our friendly customer service representatives by calling 0800
990 077.


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WILL HARDSHIP DEFAULT MY CREDIT LINE?



If you go into hardship it will not be noted as a default however, it will be
noted on your credit file.


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CAN I CONTINUE TO MAKE PURCHASES WHILE I’M IN HARDSHIP?



Once your account is placed under hardship you won’t be able to continue to make
purchases. This is for your own financial security, preventing your account from
falling further into hardship.



INSOLVENT RETAILER

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WHO DO I CONTACT ABOUT A REFUND/RETURN FOR A STANDARD PURCHASE?



 

You need to contact the merchant. Any issues with a product, returning a product
or requesting a refund for goods received are subject to the retailers terms and
conditions and are separate to our finance agreement with you.

 

Standard Purchase is a Purchase made anywhere that Mastercard is accepted.


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THE MERCHANT HAS AGREED TO PROCESS A REFUND FOR A STANDARD PURCHASE, BUT I HAVE
NOT RECEIVED THE REFUND?



We will require you to complete a Notice of Disputed Transaction Form and
provide proof the merchant has agreed to a refund, for us to utilise
Mastercard’s Chargeback and Disputes process.

 

This supporting documentation is a mandatory requirement and must be provided to
ensure we can dispute your transaction with the merchant.

 

The completed Notice of Disputed Transaction Form and supporting documentation
must be returned to customer.services@flexicards.co.nz within 7 days for
flexigroup to initiate the dispute process via Mastercard.


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WHAT DO I DO IF A MERCHANT I HAVE MADE A STANDARD PURCHASE AT HAS GONE OUT OF
BUSINESS AND IS UNABLE TO PROVIDE THE SERVICES OR SEND THE GOODS?



We will require you to complete a Notice of Disputed Transaction Form and
provide the applicable supporting documentation for us to utilise Mastercard’s
Chargeback and Disputes process:

 

 * Proof that merchant ceased trading
   * g. an official announcement on merchant’s website, Liquidator’s email to
     the customer as unsecured creditor, etc.
 * For services not rendered by the merchant
   * copies of the documents showing that services should be provided after
     merchant ceased trading, e.g. copy of the flights booking where flight
     dates were scheduled after airline declared liquidation;
 * For goods not received
   * proof of delayed delivery or unused gift voucher for the insolvent
     retailer.

 

This supporting documentation is a mandatory requirement and must be provided to
ensure we can dispute your transaction with the merchant.

 

The completed Notice of Disputed Transaction Form and supporting documentation
must be returned to customer.services@flexicards.co.nz within 7 days for
flexigroup to initiate the dispute process via Mastercard.


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IF I HAVEN’T RECEIVED MY ORDER DO I STILL NEED TO MAINTAIN MY MONTHLY
REPAYMENTS?



Yes, you are required to maintain your monthly repayments towards your account
while the dispute process is in progress.


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WHO DO I CONTACT ABOUT A REFUND/RETURN FOR A LONG TERM FINANCE TRANSACTION?



You need to contact the retailer. Any issues with a product, its delivery or a
refund are subject to the retailers terms and conditions and are separate to our
finance agreement with you.

 

Long Term Finance means Finance options including a Flexi Payment Purchase and a
Fixed Instalment that we may offer from time to time. Long Term Finance is
available at participating retailers throughout NZ.

 

Retailer is any accredited party that accepts payment using your card or
Account.


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WHAT DO I DO IF A RETAILER HAS GONE OUT OF BUSINESS AND I HAVEN’T RECEIVED MY
ORDER?



You need to contact the retailer directly. If the retailer has gone into
liquidation you will need to contact the liquidator directly. You can find out
who the appointed  liquidator is by checking the Companies Office Register and
searching the company name at
https://companies-register.companiesoffice.govt.nz/

 

Insolvency.govt.nz also has helpful information on what to do when you are owed
money or awaiting goods/services including what supporting
information/documentation you may need to provide the liquidator.

 

Please contact our customer service team if you require confirmation of your
Long Term Finance purchase or a copy of your statement and we will be able to
help you with this.


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CAN YOU HELP ME FILE A CLAIM WITH A LIQUIDATOR?



No, you will need to file the claim with the liquidator yourself however, we are
happy to provide you confirmation of your Long Term Finance purchase or a copy
of your statement if you cannot locate a copy.

 

Insolvency.govt.nz also has helpful information on what to do when you are owed
money or awaiting goods/services.


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IF I HAVEN’T RECEIVED MY ORDER DO I STILL NEED TO MAKE REPAYMENTS?



Yes, our finance agreement with you is separate to your purchase agreement with
the retailer who you purchased goods/made an order through. Unfortunately, that
means you still required to make repayments to us and will need to follow up the
retailer separately.



INTEREST RATE UPDATE

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WHAT INTEREST RATES ARE CHANGING?



On 24 January 2024, the Standard Interest Rate applying to your Farmers
Mastercard will increase from 25.95% p.a. to 28.50% p.a. This is the interest
rate which applies to outstanding balance at the end of the interest free period
of a Standard Purchase, a Long Term Finance plan, Balance Transfer, Fixed
Instalment plan and any unpaid Fixed Instalment amount.

The Cash Advance Interest Rate which applies to all Cash Advances will increase
from 27.50% p.a. to 29.50% p.a.


Tag: Interest Rate Update
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WHY DID YOU MAKE THESE CHANGES?



We are committed to providing customers with the ability to buy the things that
matter when they need them. We hope you enjoy the many benefits your Farmers
Mastercard provides, including up to 55 days interest free on all Standard
Purchases and collecting Farmers Club Points on all your purchases.


Tag: Interest Rate Update
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WILL THESE NEW INTEREST RATES APPLY TO PURCHASES OR OTHER TRANSACTIONS I’VE
ALREADY MADE?



Yes, the interest rate changes will apply to both existing and any new
transactions when/if they become interest bearing.


Tag: Interest Rate Update
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I HAVE DIRECT DEBIT SET UP, HOW WILL THE INTEREST RATE CHANGE AFFECT ME?



We suggest you review your current direct debit arrangement as you may need to
increase your fixed monthly amount slightly to cover the increased interest that
accrues.


Tag: Interest Rate Update
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I’D LIKE TO DISCUSS THIS WITH SOMEONE.



For all general enquiries, payment arrangements or hardship queries, please
contact our Customer Services team on 0800 990 077 or +64 9 953 0556 from
overseas.


Tag: Interest Rate Update

LOST CARD

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LOST, STOLEN OR DAMAGED CARD?



Call us immediately on 0800 990 077 from NZ or +64 9 953 0556 from overseas and
follow the voice prompts to cancel your card or login into our My Account centre
and fill out our online form.



PASSCODE

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WHAT IS A PASSWORD OR PASSCODE?



Your Password is used to login to the Farmers MasterCard® website and mobile
app.

Your Passcode is a five-digit number that allows you to securely access your
personal account information, such as your account balance, without the need to
speak to one of our Customer Services team when you call us on 0800 990 077 from
NZ or +64 9 953 0556 from overseas. For added security, you may also be asked to
enter a Passcode for some online transactions.


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WHAT IS A PASSCODE?



A Passcode is a five-digit number that allows you to securely access your
personal account information, such as your account balance, when you call on
0800 990 077 from NZ or +64 9 953 0556 from overseas, without needing to talk to
anyone.

For added security, you may also be asked to enter a Passcode for some online
transactions.

If you don’t have a Passcode set up, please call us on 0800 990 077 from NZ or
+64 9 953 0556 from overseas.



PAYMENTS

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CAN I REPAY AN AMOUNT BEFORE IT APPEARS ON MY STATEMENT?



 

This depends on whether you have an outstanding balance on your statement. If
there is a balance already showing on your statement, then all payments made
within that statement period will be applied to the statemented balance until
paid in full. If there is no balance showing on your statement, the payment will
be applied to any unstatemented transactions or fees.


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WHAT IS YOUR BANK ACCOUNT NUMBER?



Our preferred payment method is Direct Debit. You can download a direct debit
form from our website.

You can also make payments through internet banking.

The best way to do this is to set us up as a payee. You can transfer payments
directly through your bank’s internet baking by choosing Farmers Mastercard as
payee. You will be prompted to enter the code and reference we need to process
your payment.

If you can’t find us in your bank’s payee list, you can use these details:

Account Name: Columbus Financial Services Limited
Our bank details: Account number: 01-1839-0926671-00
Code: Please enter your surname
Reference: Use ”ID” followed by your customer ID number (found on the back of
your card or the top right hand corner of your account statement) e.g.
IDXXXXXXXXXX
To avoid unnecessary delays to your payment please ensure you always complete
the Reference field as above.


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HOW DO I MAKE A PAYMENT?



Transfer payments directly from your online banking accounts to your Farmers
Mastercard account:

Bill payee: Farmers Mastercard

Account number: 01-1839-0926671-00

Account Name: Columbus Financial Services Limited

Reference: Use “ID” followed by your customer ID number (found on the back of
your card or the top right hand corner of your account statement) e.g.
IDXXXXXXXX

Code: Please enter your surname

 

Always complete the Reference field to avoid unnecessary delays to your payment.


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HOW ARE MY PAYMENTS ALLOCATED?



Any payment you make to your account is allocated according to the payment
allocation sequence, unless you specify otherwise.

Full details of the payment allocation sequence can be found in our Terms and
Conditions.



SUPPLYING INCOME VERIFICATION WITHIN YOUR APPLICATION

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WHAT IF I STILL DON’T FEEL COMFORTABLE SELECTING AND LOGGING IN TO MY BANK TO
PROVIDE TRANSACTIONAL INFORMATION?



If you don’t feel comfortable logging into your banking details for us to
analyse your statements, we have an alternative for you. You will need to
download a PDF copy of your last 3 month’s bank statements where your main
income and expenses go to. You will also have to fill out additional information
so we can proceed with your application.


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WHAT HAPPENS TO MY INTERNET BANKING CREDENTIALS ONCE I SUBMIT THEM ON YOUR
WEBSITE?



Protecting your privacy, and the security of your personal information is vital
for us. The details you use to log in to your internet bank are not stored by
Farmers Mastercard. They are securely discarded once they have been encrypted
and passed to your bank. All data is securely handled in accordance with New
Zealand data protection laws and our privacy policy.


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WHO CAN SEE MY INTERNET BANKING LOG-IN DETAILS?



Your banking details are secure, and no one can access your internet banking
details. When you enter your login details, they are processed securely, and
your banking credentials are immediately encrypted.


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WILL MY BANKING INFORMATION BE SAFE AND SECURE?



Your banking information provided to us will be analysed with strong security
measures in place to ensure your information is private and confidential.

 
 

The systems and processes are set up so that we can only ever access a
‘view-only’ version of the transaction data; we do not have the facilities or
capability to take any action related to your account(s).

 
 

Columbus Financial Services Limited/Farmers Mastercard uses a bank scraping
solution provided by illion. illion’s technology is used by thousands of lenders
and brokers in Australia and NZ.

 * illion never store online banking credentials.
 * illion’s service is independently tested and audited by external security
   experts.
 * The data collected is encrypted with bank level 256-bit encryption, secured
   by 2048-bit keys.
 * Statements detailing your income and expenses are only provided to Columbus
   Financial Services Limited.


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WHY DO I NEED TO SUBMIT MY BANK STATEMENTS THROUGH AN ONLINE LOGIN?



During the application process you will be asked to select your bank account and
log in using your credentials so we are able to access your online bank
statements. This is so that Columbus Financial Services Limited can verify your
income and expense information to meet our responsible lending obligations. In
addition, verifying your income and expenses through Bank Statements Online will
result in a quicker application decision than when statements are manually
supplied.

 


Once you’ve logged in, you will choose the bank that your main income goes to
and expenses go out of for validation. Your transactional data is shared with us
securely so that we can verify your income and expense information.

 


You’ll get an opportunity to confirm whether the figures produced for income and
expenses are accurate, before completing your application.


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WHAT FORMS OF ID ARE ACCEPTED WHEN APPLYING?



When applying for a Farmers Mastercard® you must have a New Zealand Driver
Licence.
For any queries, please contact 0800 990 077.



USING YOUR CARD

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HOW DO I DISPUTE A LONG TERM FINANCE PURCHASE?



If you wish to dispute a Long Term Finance transaction (eg: charged an incorrect
amount, incorrect Long Term Finance term loaded, faulty goods , no longer wish
to take possession of  the item or the goods have not been delivered) you will
need to contact the retailer directly.

 

For any travel related disputes please contact the relevant merchant to seek
assistance. The merchant will take action and deliver the appropriate outcome as
stated in their terms and conditions.


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HOW DO I DISPUTE A STANDARD PURCHASE?



If you identify an unauthorised transaction on your account, call us straight
away on 0800 119 100 from NZ or +64 9 580 7399 from overseas. For peace of mind,
you can also temporarily place your card on hold by logging into My Account so
the card can’t be used.

 

If you wish to dispute a Standard Purchase or cash advance transaction on your
Mastercard (eg: charged an incorrect amount, services not provided, goods not
received, ATM has disbursed the incorrect amount of cash) you will need to
complete a Notice of Disputed Transaction form.

 

You must report the disputed transaction to flexigroup as soon as identified.

 

Please return the completed Notice of Disputed Transaction form and any
applicable supporting documentation to customer.services@flexicards.co.nz, or
alternatively via post to: Flexi Cards Chargebacks and Disputes, PO Box 94013,
Auckland 2241.

 

Please note once documentation has been received, it may take up to 30 days for
us to respond and confirm no additional information is required.

 

For any travel related disputes please contact the relevant merchant to seek
assistance. The merchant will take action and deliver the appropriate outcome as
stated in their terms and conditions.


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SHOPPING WITHOUT YOUR FARMERS MASTERCARD



You are able to make Long Term Finance purchases in-store, at participating
merchants without your card by using your Customer ID number. Your Customer ID
is shown on the back of your card, the top right-hand-side of your monthly
statement and on any correspondence that you receive from us.


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HOW CAN I GET CASH OUT USING FARMERS MASTERCARD?



Yes, you can use your Farmers Mastercard® to withdraw cash (cash advance) from
any bank and ATM, within NZ and overseas displaying the Mastercard acceptance
mark. Remember, if you withdraw cash from your Farmers Mastercard, interest
accrues straight away and ATM fees may apply.


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HOW DO I INCREASE MY CREDIT LIMIT?



To apply for a credit limit increase please head to My Account or call us on
0800 990 077 from NZ or +64 9 953 0556 from overseas.


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WHAT LONG TERM FINANCE DEALS ARE THERE?



Farmers Mastercard® offers access to Long Term Finance dealsɅ in-store at
thousands of participating retailers throughout New Zealand.

 

Check out where you can use your Farmers Mastercard for Long Term Finance deals.

 

ɅA minimum purchase amount may be required. Annual Account Fee of $50 applies.
New Cardholder fees – $55 Establishment.  Existing Cardholder fee – $35 Advance.
Standard Interest Rate, currently 25.95% p.a. applies to any outstanding balance
at end of a payment holiday or interest free period. Lending criteria, fees,
terms and conditions apply. Rates and fees correct as at date of publication,
subject to change.


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WHERE CAN I FIND MY CUSTOMER ID?



Your customer ID is shown on the back of your Farmers MasterCard®, the top
right-hand-side of your monthly statement and on other correspondence that you
may receive from us.


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ACTIVATE YOUR FARMERS MASTERCARD



You can activate your card by selecting a PIN. To do that download the Farmers
Mastercard app and follow the prompts or call us on 0800 990 077 from NZ or +64
9 953 0556 from overseas.



 




 * Contact Us
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