when you shop with humm90 from 10 DEC

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Get the humm90 Interest Free1 card

General terms

We genuinely want to hear suggestions for improvement and be given the opportunity to resolve any situations, confusions or complaints that may arise. If your complaint is not resolved by the Customer Service Team, refer your complaint to our Customer Relations Complaints Team by calling 1300 858 608 9am-5pm, Monday-Friday or emailing [email protected]

If you are unhappy with the resolution of your complaint by our Customer Relations Complaints team, the Australian Financial Complaints Authority (“AFCA”) helps individuals and small business customers resolve problems and disputes with their financial service provider, and its use is free for individual customers. AFCA can be contacted online at via telephone at 1800 931 678 or in writing through GPO Box 3, Melbourne, VIC 3001 (Australia.


Any amounts collected by direct debit will be debited from your nominated account on a monthly basis. The amount debited will depend on what you have authorised us to debit. Either a fixed amount you choose, or the minimum monthly payment. A minimum monthly payment that is due will include the instalment amount. However, a fixed amount you select may or may not include the instalment amount. You will need to confirm this. All amounts paid via direct debit will be debited on the payment due date only.

A humm90WRAP can be cancelled at any time by calling us on 1300 115 533. Cancellation can take up to 5 business days.

If your humm90WRAP is cancelled, any remaining balance under a cancelled humm90WRAP will be converted back to a standard Transaction and the annual percentage rate applicable to that cancelled amount will be the Card Purchase Rate.

If you fail to pay all or part of a monthly Instalment Repayment, that amount:

a. will be overdue
b. will not form part of the humm90WRAP or humm90WRAP Remaining Balance;
c. will form part of the Unpaid Balance; and
d. interest (calculated at the Card Purchase Rate) will apply to the overdue amount. It will be debited to your humm90 Account on that overdue amount from the time it becomes overdue in accordance with the Conditions of Use.

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