*Approved applicants only. Fees, terms, and conditions apply, incl $99 Annual Fee charged on the account open date and annually on the anniversary of that date. Annual Fee must be paid in full within 90 days or it will attract interest. Minimum monthly repayment required. 0% p.a. for 12 months on Balance Transfers. Balance transfer criteria apply. The promotional balance transfer rate is available when you apply for a new humm90 Mastercard and request at application to transfer balance(s) from non-humm Group Australian issued credit cards, charge or store cards. Promotional rate not available in conjunction with any other promotion. The promotional rate will apply to any portion of the balance(s) transferred (min $500 up to 90% of your approved available credit limit) that remains unpaid during the first 12 months. Interest (charged at the Expired Promotional Rate, currently 25.99% p.a.) payable on any outstanding transferred balances after the expiry of the 12 months Interest Free term. humm90 will not be responsible for any delays that may occur in processing payment to your other card account(s) and will not close the account(s). Any standard Interest Free term applying to purchases does not apply to balance transfers. humm90 may change, withdraw or end this offer at any time. humm90 will allocate payments received from you to pay off the portion of your balance attracting the highest interest rate first and subsequently to portions of your balance attracting lower interest rates. This may mean applying any and all payments made to your humm90 Mastercard account to pay off other transactions such as, instalment plans, purchases, and cash advances before any balance transfer amount.
1.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.
2.humm90WRAP allows you to convert humm90 Mastercard purchases of $250 or more to an Interest Free Instalment Plan. A fee applies, calculated as a percentage of the total amount payable on the card purchase selected. Total amount payable by 9, 12 or 15 equal monthly instalments, in addition to the minimum monthly repayment. If you fail to pay a fixed monthly instalment, interest (calculated at the Expired Promotional Rate, currently 25.99% p.a.) is payable on that outstanding amount. Conversion to a humm90WRAP must take place within 30 days of eligible transaction. An eligible transaction does not include cash advances, balance transfers, interest, fees, charges, or commissions. All transactions converted to a humm90WRAP cannot make up 80% or more of your available credit limit.