Get up to 110 days Interest Free* on everyday purchases

The only credit card that gives you at least 80 days from the date of your purchase before interest is charged, or up to 110 days interest free*.

Sail through every day with a Interest Free*

humm®90 Platinum Mastercard® is one of the only credit cards that gives you between 80 – 110 days interest free* on eligible purchases. Get least 80 days from the date of your purchase before any interest is charged – which can stretch to 110 days depending on the date in your statement period when the purchase was made.

For example, if you made a purchase on the last day of your statement period, you’d receive 80 interest free days. If you made a purchase 10 days before the end of your statement period, your Interest Free Period would be 90 interest free days, up to a maximum of 110 days, and so forth.

humm90 interest free benefits
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Award Winning Flexibility

Have peace of mind knowing you can shop interest free* on everyday purchases.

In your control

Stay up to date with your payments to take advantage of humm90 interest free benefits.

Pay your bills

From monthly subscriptions like gym memberships and streaming services to a car registrations or insurance premiums, your bills can be paid with your humm90 card.

Shop everywhere

The global acceptance of Mastercard means you can shop wherever online, in-store or overseas with zero international transaction fees.

How to use

Shop anywhere Mastercard is accepted

Shop anywhere online or in-store Mastercard is accepted, from groceries to petrol, homewares to holidays, in Australia and overseas.

Ta-da! ✨

You now have up to 110 days to pay off your purchases interest free*. It’s that simple!

Frequently asked questions

  • What is an Interest Free period?

    An Interest Free Period is a period of time during which, for any card purchase, you do not have to pay any interest on that purchase.

    Your humm90 Platinum Mastercard offers:

      • a standard 80 to 110 days interest free on everyday purchases and fees provided the Interest Free Criteria are satisfied;
      • Long Term Interest Free promotional offers of up to 72 months when you make a purchase with many of our partner retailers; and
      • the option to convert eligible purchases over $250 to an Instalment Plan using the humm90//WRAP feature (subject to applicable conditions); Instalment Plans may also be available as promotional offers with some of our partner retailers

    The Interest Free Period on everyday purchases and fees is subject to the Interest Free Criteria, which means that you must pay all outstanding amounts on each humm90 Account statement by the due date, except amounts which continue to benefit from an Interest Free Period. The amount you need to pay is shown on each monthly statement as the ‘Alternative payment to reduce interest’.

    The period ends 80 days after the end of your statement period in which you made the purchase, meaning it can stretch up to 110 days. This 80 to 110 day Interest Free Period on everyday purchases is also a Payment Holiday, meaning that you will not pay anything in relation to that purchase and your monthly minimum payment does not increase as a result of an everyday purchase until this period expires. Following expiry of this Interest Free Period, interest is payable on any balance outstanding at the humm90 Purchase Rate.

    With Long Term Interest Free promotional offers, no interest is payable during the Interest Free Period, but following expiry of the Interest Free Period interest is payable on any balance outstanding at the Expired Promotional Rate. Purchases on Long Term Interest Free terms will lead to an increase in your monthly minimum payment from the time of purchase, but if you pay only your minimum payment each month there will still be outstanding balance at the end of the Interest Free Period.

    With Instalment Plans (including humm90//WRAPs), no interest is payable during the Interest Free Period, which is the term of the plan. Your Instalment Payments will often include an establishment fee (which will be advised to you at the time of entering into the Instalment Plan), and will be calculated to pay off the whole purchase over the term of the plan. Instalment Payments will always form part of the ‘Total amount due’ on your monthly statement. If you fail to pay any Instalment Payment by its due date, interest will from then be payable on the outstanding Instalment Payment at the Expired Promotional Rate, and you will also cease to satisfy the Interest Free Criteria for everyday purchases and fees.

  • Can I pay the full amount before the Interest Free period ends?

    Yes, you can choose to pay the full amount at any time. You will not be charged an additional fee if you pay for your purchases in full, before the Interest Free period ends.

    If you want to clear your entire owing balance, contact us via our online chat so we can provide your with a payout quote.

  • 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.

  • Do cash withdrawals affect my Interest Free^ transactions?

    No, cash withdrawals will not affect any Interest Free Period or promotional purchase you may have made on your card.

    But, any cash withdrawal will need to be repaid in full by the due date for payment on your next monthly statement, in order for you to continue to satisfy the Interest Free Criteria for everyday purchases.

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.