Q&A
These answers might save you a phone call
General terms
An applicant must:
- Be at least 18 years old
- Earn a minimum of $25,000 p.a.
- Be an Australian citizen or permanent resident of Australia
- Have a good credit rating and meet our credit criteria
For more information on who the humm90 Platinum Mastercard is designed for, read the humm90 Target Market Determination.
Note: humm works on a credit check system that considers your ability to make repayments, the suitability of the product, and your individual circumstances.
A deferred payment means you are not required to make repayments on your humm90 Mastercard purchase for a certain period of time, which is known as the deferred payment period. This only applies to purchases where a deferred payment offer is available, and not to all other purchases.
Repayments for the purchase under the deferred payment offer will be included in the calculation of the Minimum Monthly Payment after the deferred payment period expires.
You can give us feedback or escalate an unresolved concern through the Compliments & Complaints form.
Feedback will be lodged and passed on to our humm90 Platinum Mastercard team for consideration. You will not receive any further correspondence from us.
If you’ve lodged a complaint or unresolved concern, we will contact you within 10 business days.
If you are unhappy about the resolution of your concern, the Australian Financial Complaints Authority (AFCA) helps individuals resolve disputes with financial service providers. You can reach them at www.afca.org.au and by calling 1800 931 678.
Using your humm90 Mastercard
Yes, there are two ways to access your account online:
- Mobile app – The humm90 app is available for download in the App Store and on Google Play.
- On a web browser – You can register for access to my humm90 to view your account online.
Log in to my humm90 or download the humm90 app to activate your card
Yes, you can change your PIN through my humm90 or the humm90 app
Mobile app:
- Open the humm90 App
- Select ‘Account’ in the bottom righthand corner of the screen
- Select your humm90 Card
- Select ‘Change card PIN’ and follow the instructions
On a web browser
- Log in to my humm90
- Select ‘Cards’
- Select ‘Change my PIN’ and follow the instruction
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.
You can give us feedback or escalate an unresolved concern through the Compliments & Complaints form.
Feedback will be lodged and passed on to our humm90 Platinum Mastercard team for consideration. You will not receive any further correspondence from us.
If you’ve lodged a complaint or unresolved concern, we will contact you within 10 business days.
If you are unhappy about the resolution of your concern, the Australian Financial Complaints Authority (AFCA) helps individuals resolve disputes with financial service providers. You can reach them at www.afca.org.au and by calling 1800 931 678.
Merchants may request authorisation for a transaction more than once and you may temporarily see all of the authorisation attempts on your account. However, you will only be charged for the transaction once.
If you believe you have been charged more than once, we suggest waiting for your next statement to verify you have been charged more than once. Your statement will only show completed transactions.
If your statement reflects the duplicate transaction or if the additional authorisation attempts are still showing on your transaction list after 10 days, you can raise a dispute by completing a Notice of Disputed Transaction and sending it to [email protected]
Protecting your account
To ensure you’re accessing the legitimate humm90 website, and not a fraudulent site, type our address https://www.humm90.com/au/ directly into a trusted web browser (e.g. Google Chrome, Microsoft Edge or Safari).
You need to immediately inform us that your card has been lost or stolen. We will place a temporary block on your card to prevent fraudulent transactions.
You can inform us by:
- Logging in to the humm90 app or my humm90
- Calling our Customer Service team on 1300 115 533 (or +61 2 8905 2904 from overseas)
We can also arrange for a replacement card to be sent to you.
If you receive any SMS prompts relating to resetting access to your humm90 Mastercard app or my humm90 account that you didn’t request, please call us at 1300 115 533 (or +61 2 8905 2904 from overseas).
We will never ask for your login or humm90 card details by email.
These emails are most likely phishing attempts and should be forwarded to [email protected] to be investigated.
Card transactions can be completed in different ways such as tapping your physical card, holding a device with your card details near a contactless terminal, or filling out your card details in a secure online payment facility.
Card transactions cannot be completed by providing your card details via SMS or email. We discourage you from sharing your card information with anyone to limit the possibility of credit card fraud.
You can raise your concern via the Submission Form in the hummgroup Responsible Disclosure Policy page.
There are two ways that you can make repayments to your humm90 Mastercard:
- Setting up a Direct Debit payment from your nominated bank account via my humm90 or,
- BPAY (Please note that there is a $0.95c payment handling fee)
humm90WRAP
humm90//WRAP enables you to convert eligible purchases of $250 or more into an Instalment Plan, which you can gradually pay off over 9, 12 or 15 months.
The humm90//WRAP is interest free. An establishment fee applies.
You can convert a purchase of $250 or more into a humm90//WRAP, if the below conditions are fulfilled:
– Your purchase was made in the last 30 days.
– All active humm90//WRAPs and Instalment Plans (including any pending payments) on your humm90 account do not exceed 80% of your humm90 account credit limit.
– Your purchase has not been converted to an Instalment Plan already.
– If your purchase is eligible, you will see the option to convert the purchase into a humm90//WRAP on the ‘Transactions’ tab of the humm90 app or my humm90 account.
– If you’re ineligible, you will not see the option to convert a purchase into a humm90//WRAP.
The balance of all active humm90//WRAPs and Instalment Plans (including any pending payments) on your humm90 account must not exceed 80% of your humm90 account credit limit.
The humm90 Mobile app and my humm90 will not give you the option to convert a recent purchase into a humm90//WRAP if that conversion would, when added to the current balance of your active humm90//WRAPs and Instalment Plans, take you over the 80% of credit limit threshold.
To see the current balance of your active humm90//WRAPs and Instalment Plans, see the amount labelled “Balance in instalment plans” on your most recent humm90 account statement.
There’s no quick fix. You will need to continue to pay your active humm90//WRAP and Instalment Plan repayments as instructed on your humm90 statement.
Once your humm90//WRAP and Instalment Plan balance has dropped below 80% of your credit limit, you will then be eligible to convert future purchases to humm90//WRAP.
Applying a combined 80% limit to humm90//WRAP and Instalment Plans (including any pending payments) is a step we take to help ensure that you can afford the required monthly instalment for each humm90//WRAP and Instalment Plan.
An Establishment Fee will be charged whenever a purchase is converted to humm90//WRAP. The Establishment Fee is a percentage of the purchase you convert and is based on the term you select..
| Term | Establishment Fee |
| 9 months | 3% of the purchase price |
| 12 months | 4% of the purchase price |
| 15 months | 5% of the purchase price |
View your transactions in the humm90 app or in my humm90 to check if there are any purchases that are eligible for humm90//WRAP. These purchases will have ‘Convert to humm90//WRAP’ noted beside them. Just click on the offer and select the instalment term to enrol a purchase.
The total amount of purchases on an Instalment Plan is capped at 80% of your credit limit.
Eligible purchases can be converted to humm90//WRAP within 30 days of purchase.
Repayments for a humm90//WRAP instalment amount will be included as part of your monthly statements. There are two ways that you can make repayments to your humm90 account:
1. Setting up a Direct Debit payment from your nominated bank account via my humm90 or,
2. BPAY (please note there is a 95 cent handling fee for each BPAY payment)
Yes, you can cancel humm90//WRAP by calling 1300 115 533 weekdays between 9am and 7pm, and weekends between 9am and 6pm.
Cancellations can take up to 5 business days. Any remaining balance under the cancelled humm90//WRAP will be converted back to a standard purchase transaction and the Expired Promotional Rate of 26.49% p.a. will apply.
If there’s been a refund on a purchase which was converted to humm90//WRAP, you need to contact us to make sure the refund is applied to your humm90 account. You can call us on 1300 115 533 weekdays between 9am and 7pm, and weekends between 9am and 6pm.
If you fail to pay all or part of a monthly Instalment Repayment, that amount:
- Will be overdue
- Will become part of your humm90 Mastercard’s unpaid balance
- Interest (calculated at the Expired Promotional Rate) will apply to the overdue amount from the time it became overdue
The types of transaction which cannot be converted to humm90//WRAP are cash advances, balance transfers, interest charges and fees.
Financial Hardship
No. Once your account is placed under hardship you will no longer be able to make purchases or any other transactions using your humm90 Mastercard. This is a preventative measure to help you from increasing your outstanding balance further.
We will let you know within 5–7 business days after receiving your hardship help form if we need further information. You will receive the outcome of your application within 21 days after application.
If you are experiencing difficulties in making your minimum monthly repayments or immediately paying any overdue amounts, please fill out the hardship help form and we will contact you for guidance and support.
To apply for hardship, send us an enquiry through our hardship help form and one of our team will be in contact.
Your humm90 account will remain open, but we will temporarily block you from making any transactions.
We will discuss a hardship plan with you, which will include a payment arrangement, which we will review regularly to determine the best option moving forward given your changing circumstances.
Entering into a financial hardship arrangement does not affect your credit score, but your credit report will show you have entered into a financial hardship arrangement. During the arrangement your repayment history information will show whether or not you meet the agreed minimum payment obligations.
General guidance on credit reporting and financial hardship arrangements can be found on the CreditSmart website: Financial hardship and your credit report – CreditSmart
