Shop Long Term Interest Free~ with thousands of Retailers

Take it today and get a long, affordable, Interest Free~ time to pay.

what is long term interest free

What is Long Term Interest Free~ ?

Long Term Interest free allows you to have what you need now and pay over an extended time, interest free~.

Our partner retailers may offer up to 60 months interest free on select purchases allowing you to take it today, and get a long, affordable, interest free time to pay.

What this means for our customers:

Repay over a long period to make your instalments more affordable

Pay down your full balance by the end of your Long Term Interest Free term to pay no interest, ever~

Hundreds of Long Term Interest Free deals across thousands of partner retailers across Australia

How to use

Ready to get started? Here’s how to access our Long Term Interest Free~ benefits:

Go shopping

Explore our extensive network of partner retailers and their diverse product range.

Speak with an expert

Chat with the retailer about their specific Interest Free~ financing options.


Our retailers will help you process the transaction through their portal within minutes!

Find out more

If you’re looking to make a bigger purchase with zero credit card interest humm90 can help. It’s one of Australia’s best Interest Free* cards with up to 60 months Long Term Interest Free~.

Chat with one of our partner retailers on what your Long Term Interest Free plan could look like.

Frequently asked questions

  • What do I need to pay?

    The amount that you need to pay will be indicated in the ‘What you need to pay this period’ section of your monthly statement.

    You should always pay the ‘Total amount due’ appearing on your latest statement, by the due date indicated. Any overdue or overlimit amounts indicated in your statement should be paid immediately to put your account into order.

    You may wish to pay ‘the ‘Alternative payment to reduce interest', which takes into account interest-bearing transactions and transactions for which an Interest Free Period is due to expire, or the ‘Closing balance excl. instalment plans’ which includes all outstanding amounts on your humm90 Account as at the date of your statement (but not any Instalment Payments which fall due in a later month, if you have an active Instalment Plan).

    Interest will be incurred if you choose to pay less than the ‘Alternative payment to reduce interest’.

  • How can I avoid paying Interest?

    The best way to avoid paying interest is to pay the ‘Alternative payment to reduce interest’ shown on each of your monthly statements by the due date. That amount is the total amount you owe on your humm90 Mastercard at the end of the statement period, less Instalment Plans and other amounts which currently benefit from an Interest Free Period.

    If you want to pay off your entire credit card debt for the month, the ‘Closing balance excluding instalment plans’ is the amount you’ll need to pay . The Remaining Balance of an Instalment Plan cannot be paid off early unless you wish to cancel the Instalment Plan – see clause 5.3 of the humm90 Conditions of Use.

Need more help?

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

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* 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.