Meet humm90

humm90 is a Platinum Mastercard® that can be used everywhere, with superpowers that let you pay off bigger buys gradually, Interest Free.

Big Interest Free days1

Get up to 110 days Interest Free on everyday purchases, online & instore.

Plan for bigger buys2

Turn any purchase over $250 into an Interest Free instalment plan.

Up to 60 months Interest Free3

Shop 100+ humm90 partners with Long Term Interest Free terms.

Why humm90 Platinum Mastercard?

Features built to help
you save interest.

The global acceptance
of Mastercard.

Platinum extras for no
extra fees.

No fees on overseas
purchases.

All for a great value
$99 annual fee.

Thinking of using humm90 for an interest free purchase at one of our retail partners? Use our Calculators to compare the benefits of using humm90.

Rates & Fees

Annual fee

$99

Interest rate

0% interest for up to
110 days (25.80% p.a. thereafter)

Eligibility criteria

Be 18+ years old

Earn $25,000+ p.a

Have a clear credit file

Be a permanent Australian resident

Have handy your mobile number, email address and your Australian driver’s licence or Australian passport

Eligibility criteria

Be 18+ years old

Earn $25,000+ p.a

Have a clear credit file

Be a permanent Australian resident

Have handy your mobile number, email address and your Australian driver’s licence or Australian passport

Apply in minutes!

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 humm90 Mastercard to withdraw cash from your humm90 account at any ATM. Cash withdrawals do not qualify for up to 110 days Interest Free period or for any other Interest Free promotional period. Cash withdrawals 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.