Combine the power of a Farmers Mastercard with the freedom of Oxipay!


Own the now and make your spend work harder for you!


Use a Farmers Mastercard® for your Oxipay purchases* and not only can you pay over 4 or 8 payments^ but you’ll also earn Farmers Club Points!+


Apply before the 22 June 2020 using the promo code ‘OXIPAY’, be approved for your Farmers Mastercard and get 1,000 Farmers Club Points* - that’s $80 worth of Farmers Club Vouchers to spend in-store at Farmers!


Once approved#, simply load your Farmers Mastercard as your preferred payment option on your Oxipay account and you’ll start earning Farmers Club Points on all your Oxipay purchases.


Apply and be approved to get $80 worth of Farmers Club Vouchers!*

With Farmers Mastercard® you'll enjoy:

Earn Everywhere

Purchase everywhere Mastercard is accepted

Use Farmers Mastercard to shop online and in-store everywhere Mastercard is accepted.


Earn Farmers Club Points 

Earn 1 Farmers Club Point for every $10 you spend using your Farmers Mastercard, everywhere Mastercard is accepted.


Double-dip when you shop with Farmers

Use your Farmers Mastercard and Farmers Club Card together at Farmers and earn Farmers Club Points twice over.

Competitions, promotions and offers

Enjoy 90 day extended finance offers, special promotions and prize draws!



To learn more about the benefits of a Farmers Mastercard click here




*Promotional terms and conditions:

1 Eligible Farmers Mastercard Applications: Promotional offer valid for all existing Oxipay customers applying for  new Farmers Mastercard accounts opened from approved online Farmers Mastercard applications received from 12 June 2020 to 11:59pm NZST 22 June 2020 (inclusive) (“Offer Period”), using the Promo Code ‘OXIPAY’.

2 1000 Farmers Club Points offer: To be eligible to redeem this offer you must apply and be approved within the Offer Period, enter the promo code ‘OXIPAY’ at the time of application and have linked an active Farmers Club Card to your new Farmers Mastercard at the point of application. If you do not have a valid Farmers Club Card linked at the time of application, you will not be eligible to collect the 1,000 Farmers Club Points as part of the ‘OXIPAY’ offer. If all eligibility criteria are met, the 1,000 Farmers Club Points will be applied before 1 July 2020 onto your Farmers Mastercard account where they will then be sent through to the Farmers Club Account. Standard Farmers Club terms and conditions apply.

3  Excludes new accounts created in line with Long Term Finance purchases including Flexi pay purchases and fixed instalments. Other fee’s associated with Purchases and Long Term Finance still apply: see full Farmers Mastercard Cardholder Terms and Conditions for details

4 The promoter and issuer of Farmers Mastercard, Columbus Financial Services Limited, reserves the right to amend, suspend or terminate these offers and these terms and conditions at any time without notice.

5 Farmers Mastercard terms and conditions, lending criteria and terms and conditions apply. Click here for full details.


Oxipay terms and conditions:

^When you purchase with Oxipay for up to a maximum of $1,500, we pay the store and you pay us in 4 fortnightly or 8 weekly instalments. The first instalment is due when you make a purchase, with remaining instalments due every fortnight or week (as applicable). 8 weekly payment option is available for purchases $40 or more only. A late fee of $10 is charged if we do not receive your payment by the due date. If you are past due by more than 7 days, your account may be passed to our Collections team where a $30 fee may be applied to your account.


Things you should know about Farmers Mastercard:

+Earn 1 Farmers Club Point for every $10 spent on Farmers Mastercard. To be eligible to earn Farmers Club Points there must be a valid Farmers Club Card linked to your Farmers Mastercard account. Any spend made on a Farmers Mastercard without a valid, linked Farmers Club Card will not be eligible to earn Farmers Club Points and any Farmers Club Points will not be retrospectively put onto a Farmers Club Card account once a Farmers Club Card is linked.

#Lending criteria, $50 annual account fee, terms and conditions apply. Everywhere Mastercard is accepted - earn 1 Farmers Club Point for every $10 spent on Standard Purchases. Excludes cash advances, balance transfers, fees, interest charges or quasi-cash transactions. Standard Interest Rate, currently 25.95% p.a. applies to any outstanding balance at the end of a payment holiday or interest free period. Lending criteria, fees, terms and conditions apply. Rate and fees correct as at date of publication, subject to change. Standard Farmers Club terms and conditions apply. Excludes Long Term Finance.


Oxipay is a product of Flexigroup (New Zealand) Limited.


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