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An Interest Free payment plan for $250+ purchases1.

Every time you make a purchase of $250 or more with your humm90® Platinum Mastercard®, you can convert it to an Interest Free instalment plan, then pay it off gradually over up to 15 months

How it works

Choose 9, 12 or 15 months

Enjoy the ease of paying off purchases of $250 or more gradually and Interest Free for a small establishment fee. You can pick //WRAP within 30 days of your $250+ purchase1.
H90 9 Months LTIF

9 months

Establishment fee is 3% of the purchase amount converted.
H90 12 Months LTIF

12 months

Establishment fee is 4% of the purchase amount converted.
H90 15 Months LTIF

15 months

Establishment fee is 5% of the purchase amount converted.

Get the most from

If you’re looking for an interest free purchase credit card, humm90 is one of the best interest free cards for the job you’ll find in Australia. The humm90//WRAP feature helps you save credit card interest by converting any purchase of $250 or more into an interest free instalment plan of 9, 12 or 15 months for a small percentage fee of the balance converted1.


What’s great about humm90//WRAP

Easy to do.

You simply open the App, select your purchase of $250+ and toggle to convert it to a plan.

Save credit card interest.

It lowers your interest-bearing balance, reducing the interest you could pay.

Control in your hands

Control in your hands.

With humm90//WRAP you can take control of your purchases and manage repayment your way.

Apply for the humm90 Platinum Mastercard in minutes online.

Explore the other benefits of humm90