Things you should know
^Balance Back prize draw terms and conditions:

1. Valid from 12:01am Tuesday 1 to 11:59pm Wednesday 30 September 2026 New Zealand local time (“Prize Draw Period”). Entries received outside this time will be ineligible for entry.
2. The entities responsible for this promotion are Columbus Financial Services Limited (Farmers Mastercard) and Retail Financial Services Limited (Farmers Finance Card) (together the “Promoter”).
3. Three (3) Prize Draw winners will receive a credit equal to the balance of their account as at 11.59pm on 30 September 2026 on their Farmers Mastercard account or Farmers Finance Card account, up to a maximum amount of $1,000 (“Prize”).
4. An entry into the Prize Draw is automatic every time an eligible purchase is made with Farmers Mastercard or Farmers Finance Card during the Prize Draw Period (which is all purchases excluding long term finance, cash advances, balance transfers, interest charges, and quasi-cash transactions.) The transaction date and time is determined by when the merchant processes the purchase and is outside of the Promoter’s control and may affect eligibility.
5. If a Prize Draw winner is deemed ineligible for any reasons, the Promoter reserves the right to draw a replacement Prize Draw winner.
6. The Prize is not negotiable or transferable for cash.
7. To be eligible for a Prize, an account must not be in arrears at the time the Prize Draw takes place.
8. Any purchases made on Farmers Finance Card or Farmers Mastercard during the Prize Draw Period that have been cancelled, refunded, returned, or suspended before the Prize Draw date will not be eligible for entry into the Prize Draw.
9. Three (3) winners will be drawn at random from all eligible entries received during the Prize Draw Period.
10. The Prize Draw will take place at 111 Carlton Gore Rd, Newmarket, Auckland on 8 October 2026.
11. The Prize Draw winners will be notified via phone or email by 15 October 2026. If the Prize Draw winner cannot be contacted within 5 business days, Promoter reserves the right to re-draw an alternative Prize winner.
12. Acceptance of the Prize is deemed consent for the Promoter to use that information including the Prize Draw winners’ details, first name and photograph, for promotional and media purposes.
13. The Promoter collects and processes personal information in order to run the promotion and offer the Prize and as otherwise set out in our  Privacy Policy.  
14. The Promoter’s decision is final, and no correspondence will be entered into. Failure by the Promoter to enforce any of its rights at any stage does not constitute a waiver of those rights.
15. To the maximum extent permitted by law, the Promoter is not liable for any failure (for whatever reason) to record an entry into the Prize Draw.
16. Entry into the Prize Draw and/or accepting the Prize is deemed acceptance of these terms and conditions. To the maximum extent permitted by law, the Promoter is not responsible or liable for any tax implications that may arise from winning the prize. Independent financial advice should be sought.
17. 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 a prize or this Prize Draw.
18. Farmers Mastercard terms and conditions and Farmers Finance Card terms and conditions (which includes any and all relevant privacy notices) apply.
19. Lending criteria, $50 annual Account Fee, fees, terms and conditions apply. Credit provided by Columbus Financial Services Limited (Farmers Mastercard) and Retail Financial Services Limited (Farmers Finance Card).
20. If you have any queries, please visit the Promoter’s contact page here.