The Ultimate Interest Free1 Credit Card

The humm®90 Platinum Mastercard® offers flexible Interest Free1 options and can be used everywhere Mastercard is accepted both in Australia and internationally.

humm90 interest free card

The credit card that works for you

Saves you interest

No International Transaction Fees

All for a great value,
$99 annual fee

humm90 interest free benefits

Interest Free1 Benefits

Get up to 110 days Interest Free1 on everyday purchases in-store & online

Get up to 60 months Long Term Interest Free2 with our humm90 retail partners.

Pay off bigger buys gradually and Interest Free3

With humm90WRAP you can convert any transaction over $250 into an Interest Free instalment plan3 and pay over 9, 12 or 15 months.

humm90 transactions

Platinum extras that offer value

Price & Purchase Protection Insurance4

Enjoy complimentary Mastercard Purchase & Price Protection Insurance to protect your shopping on eligible humm90 purchases.

No International
Transaction Fees

Shop all around the world, online or overseas and pay no foreign transaction fees.

Enjoy Mastercard
travel perks

Access to Mastercard Travel & Lifestyle Services with exclusive hotel offers.

humm90 card
Apply for humm®90 Platinum Mastercard® in minutes online.

humm90 Rates & Fees

Everyday spend

Get up to 110 days Interest Free1 on everyday purchases.
Standard Interest rate applies after 110 days.

Long term finance

on Long Term Finance deals.
See where you can shop interest free2.
Expired Promotional Rate applies to outstanding balance at the end of the interest free period.
Annual Fee

Eligibility criteria

Be 18+ years old

Earn $25,000+ p.a.

Have a clear credit file

Be a permanent Australian resident

How to apply

Apply online

Be ready with your mobile number, email and Australian driver’s licence or passport.

10 minutes to complete

Application is quick and easy.

Start tapping!

Once approved, shop double the Interest Free1 days of most credit cards, everywhere Mastercard is accepted.

Our latest offers

You could WIN $200^ when you take care of your bills with your humm®90 this July! Simply register, then every eligible bill you pay with humm90 before 31 July is an entry in the draw. T&Cs and eligibility criteria apply. 

WeMoney Awards

In this year’s WeMoney Travel Awards, humm90 was awarded Best for Flexibility and Excellent Rates & Fees! Apply for humm90 to enjoy up to 110 days Interest Free1 when booking your trip anywhere.

What our customers are saying

Frequently asked questions

humm90WRAPs allow you to convert purchases of $250 or more to your choice of 3 Interest Free Instalment Plans. You will be able to pay off big ticket purchases in monthly instalments at 0% p.a. interest for a small establishment fee.
Yes, you can use your card to withdraw cash from any ATM, where Mastercard is accepted. The withdrawn amount is deducted from your available credit limit. Cash withdrawals do not qualify for any Interest Free period and will attract interest at the Cash Advance Rate from the date of the transaction plus any cash advance fees.
Download the humm90 app or access your account via the online portal.
Log in here and activate your humm90 Mastercard online. For any additional support, visit or support page.

Need more help?

Chat with us or visit our Help & Support page for more info.

  1. Up to 110 days interest free on humm90 Mastercard purchases (excluding cash advances) when you meet the Interest Free Criteria. You must pay at least the ‘Alternative amount to avoid interest’ on each monthly statement, by the statement due date. Any outstanding balance after the Interest Free Period reverts to the humm90 Purchase Rate.
  2. Up to 60 months Long Term Interest Free Finance (LTIF) available only during the term of the promotional period offered, interest (charged at the Expired Promotional Rate, currently 25.99% p.a.) payable on outstanding balances after any Interest Free Period in relation to a Promotional Offer. Only available at humm90 retail partners. LTIF terms may vary depending on the humm90 retail partner.
  3. humm90WRAP allows you to convert humm90 Mastercard purchases of $250 or more to an Interest Free Instalment Plan. A fee applies, calculated as a percentage of the total amount payable on the card purchase selected. Total amount payable by 9, 12 or 15 equal monthly instalments, in addition to the minimum monthly repayment. If you fail to pay a fixed monthly instalment, interest (calculated at the Expired Promotional Rate, currently 25.99% p.a.) is payable on that outstanding amount. Conversion to a humm90WRAP must take place within 30 days of eligible transaction. An eligible transaction does not include cash advances, balance transfers, interest, fees, charges, or commissions. All transactions converted to a humm90WRAP cannot make up 80% or more of your available credit limit.
  4. Complimentary insurance covers: AIG Australia Limited ABN 93 004 727 753 AFSL 381686 (Insurer) has issued a group policy to Mastercard Asia/Pacific Pte. Ltd which allows eligible humm90 cardholders to claim under the group policy as third party beneficiaries. Access to the benefit of cover under this policy is available to eligible humm90 cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). Mastercard Asia/Pacific Pte. Ltd is a Group Purchasing Body under the ASIC Corporations (Group Purchasing Bodies) Instrument 2018/751 and is not authorised to provide any financial advice. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the humm90 Platinum Mastercard Complimentary Insurance Terms and Conditions which may be amended from time to time. humm Cards Pty Ltd ABN 31 099 651 877 does not guarantee any benefits under the policy and does not arrange or provide any financial advice in relation to coverage under the policy. We recommend you seek your own independent financial advice from a financial services licensee who is authorised to provide financial advice if you have any queries on any aspect of these insurance covers.

#Approved applicants only. Terms and conditions, fees & charges and eligibility criteria apply.