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

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

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

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

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

Can I reduce my payments?

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

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.

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

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.

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.