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.
Contactless Payments
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:
With Farmers Mastercard now in your digital wallet, you’ll be able to pay with your mobile device anywhere with a contactless payment symbol
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.
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.
Farmers Mastercard app
Quick Balance will only display if you have enabled it. You can enable this feature from the Account menu.
Quick Balance lets you quickly check your balance from the login page. You can enable this feature from the Account menu.
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.
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.
The app can be easily downloaded via the IOS or Android app Stores. Learn more about the app here.
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
Our terms and conditions can be viewed here.
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
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.
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.
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.
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.
To get in contact with us please call us on 0800 990 077 from NZ or +64 9 953 0556 from overseas.
Lost 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
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.
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
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.
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.
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.
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
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.
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.
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.
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.
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.
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
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.
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 [email protected], 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.
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.
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.
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.
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.
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.
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.
