The award winning credit card designed to save you interest

Experience more, save more. Your card, your benefits.

humm90 card
WeMoney Awards
humm90 wemoney awards

· Winner – Best for Flexibility – Travel Credit Card
· Winner – Excellent Rates & Fees – Travel Credit Card

· Finalist – Best for Value – Travel Credit Card
· Finalist – Outstanding Customer Service – Travel Credit Card

Exclusive humm90 credit card benefits just for you

humm90 everyday spend

Everyday Interest Free*

Use your 110 days Interest Free* period to create breathing space in your budget every day and pay your balance in full when it’s due and you could pay no interest at all.

humm90 long term interest free

Long Term Interest Free~

Shop at the wide range of humm®90 Long Term Interest Free~ partners around Australia and get up to 60 months Interest Free at selected partners.

humm90 in-app feature

Split purchases with humm90//WRAP^

Enjoy the convenience of paying off bigger buys gradually with your humm®90 credit card. Convert eligible purchases of $250+ into an interest free instalment plan.

humm90 complementary extras

Credit card extras that do more

Shop with the comfort of Purchase & Price protection#, enjoy fee free international shopping plus benefit from the Mastercard® Travel & Lifestyle services.

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

Frequently asked questions

  • How do I request a humm90 Balance Transfer?

    New customers can apply for a humm90 Platinum Mastercard by clicking on the balance transfer ads and submitting the online application form. If the application is approved, an email will be sent prompting the completion of a balance transfer request.

    Eligible humm90 customers will receive a balance transfer offer via email. The offer can be accepted by logging in to my humm90 and submitting a balance transfer request.

  • Can I make cash withdrawals on my card?

    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 The withdrawn amount is deducted from your available credit limit.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 a Cash Advance Fee.

  • Can I place my humm90 account into credit?

    No. humm90 isn’t licensed to hold credit balances, therefore, it is against the humm90 Platinum Mastercard Conditions of Use to place your account into credit.

    Placing your account into credit may result in us closing your humm90 account.

  • How long will it take for my application to be approved?

    Applications that meet the credit requirements and have completed Bank Statements Online can be approved almost immediately. If you have been asked to submit additional documents, your application may take an additional 3–5 business days to review after submission of the additional documents.

  • Can I increase or decrease my credit limit?

    Yes, you can request for a change in your credit limit through my humm90

    • Log in to my humm90
    • Select ‘Change Credit Limit’ in the top lefthand corner

    Approval for an increase in credit limit is subject to our eligibility criteria.

    You can also reduce your credit limit through the humm90 app https://www.humm90.com/au/download-app/.

    • Open the humm90 App
    • Select ‘Account’ in the bottom righthand corner of the screen
    • Select ‘Payments’
    • Select ‘Adjust credit limit’

    We may from time to time set a minimum credit limit for all humm90 accounts.

Need more help?

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

* Up to 110 days Interest Free on humm90 Mastercard purchases (excluding cash advances) when you meet the Interest Free Criteria. Failure to make the required payments will result in you no longer meeting the Interest Free Criteria meaning that all new transactions from that day will be interest bearing from the date of the transaction. Any outstanding balance after the Interest Free Period reverts to the humm90 Purchase Rate, currently 25.80% p.a. and subject to change. Minimum monthly repayment required.

~ 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.

^ 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.

# 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 and can be found at www.humm90.com/au/insurance/terms-conditions. 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.  Refer to the humm90 Platinum Mastercard Complimentary Insurance Terms and Conditions for further information. Terms, conditions, limits, exclusions and eligibility criteria apply. Eligibility criteria includes making a purchase with your humm90 card. Insurance applies to Covered Purchases only.