HUMM90 HELP & Support
humm90 interest free card

Why is my minimum monthly payment different each month?

The minimum monthly payment differs from month to month because this is computed based on your Closing Balance for each statement period.

Your Closing Balance changes every month depending on the transactions you make and the interest and fees that you incur.

The minimum monthly payment is the greater of:

  • 3.00% of the Eligible Unpaid Balance at the date of the statement; or
  • $30.00


  • Payment for any fixed instalment plan that you may have

If the Eligible Unpaid Balance is less than $30 you must pay that amount in full.

^Up to 110 days interest free on humm90 Mastercard purchases (excluding cash advances) when you meet the Interest Free Criteria. You must pay at least the ‘Alternative amount to avoid interest’ on each monthly statement, by the statement due date. Any outstanding balance after the Interest Free Period reverts to the humm90 Purchase Rate.