$15 Credit Back Terms & conditions apply:

1. Valid for the closed group of selected Farmers Mastercard cardholders receiving this offer (“Eligible Cardholders”) and may not be redeemed by anybody other than the Eligible Cardholder.
2. Valid for eligible purchases made from 12:01am on Wednesday 1 to 11:59pm on Wednesday 15 July 2026 New Zealand local time (“Promotion Period”).
3. Eligible Cardholders who spend $150 or more with their Farmers Mastercard (excluding long term finance, cash advances, balance transfers, fees, interest charges or quasi-cash transactions) at any retailer that accepts Farmers Mastercard, in-store or online, during the Promotion Period, will receive a credit back on their Farmers Mastercard account of NZ$15 (“Offer”).
4. The transaction date and time is determined by when the merchant processes the purchase and is outside of Columbus Financial Services Limited (“Promoter”) control and may affect eligibility.
5. The Offer is available to be redeemed only once per Eligible Cardholder.
6. The credit back is not negotiable, transferable, or redeemable for cash.
7. To be eligible for a credit back, an account must not be in arrears at the time the credit back is applied.
8. Any purchases made on Farmers Mastercard during the Offer Period that have been cancelled, refunded, returned, or suspended before the credit back is applied, will not be eligible toward this Offer.
9. The credit back will be applied to eligible Farmers Mastercard accounts on or before 24 July 2026.
10. To the maximum extent permitted by law, the Promoter is not liable for any failure (for whatever reason) to apply an Offer.
11. To the maximum extent permitted by law, the Promoter is not responsible or liable for any tax implications that may arise from accepting the Offer. Independent financial advice should be sought.
12. Except for any liability that cannot be excluded by law, the Promoter shall not be liable for any loss, damage, personal injury whatsoever, including but not limited to indirect or consequential loss, which is suffered or sustained arising out of or in connection with the Offer.
13. Where goods or services are supplied by third parties, the Promoter does not warrant the quality of such goods and/or services or their suitability. However, nothing in these terms and conditions is intended to exclude, restrict, or modify a consumer’s rights under the Consumer Guarantees Act 1993.
14. Participation in and/or accepting the Offer is deemed acceptance of these terms and conditions.
15. All dates and times are in New Zealand local time.
16. Farmers Mastercard terms and conditions  (which includes any and all relevant privacy notices) apply.  
17. Lending criteria, $50 annual Account Fee, fees, Ts&Cs apply. Credit provided by Columbus Financial Services Limited (Farmers Mastercard).  
18. If you have any queries, please visit the Promoter’s contact page here.