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EXCLUSIVE OFFER

0% FOR 36 MONTHS ON BALANCE TRANSFERS // NO BT FEE

SAVE WITH BALANCE TRANSFERS TO HUMM90

The card built to shop, is built to save you interest too with a Balance Transfer offer that's the biggest you'll find.

*OFFER HAS ENDED.

humm90 humm interest free card

WHATEVER // WHEREVER // WHOEVER

Bag it with humm90.

From a trolley of groceries to a luxury lounge, humm90 is the Mastercard® that’s your new interest-saving best friend.

lifestyle interest free

MAX INTEREST-FREE1.

Get up to 110 interest-free1 days to pay with every tap.

lifestyle crush

BRAND CRUSH.

Get 10% back2 at crush-worthy brand sales every week.

lifestyle ltif

LTIF FACTOR.

Enjoy up to 60/mths Long Term Interest Free Finance (LTIF) with key retail partners.

lifestyle wrap

WRAP.

Convert purchases of $250 or more to an Interest Free instalment plan for a small fee4.

// RATES & FEES.

$99

annual fee.

0%

interest for up to 110 days on purchases (23.99% thereafter)

0%

Interest on humm90WRAP Instalment Plans for up to 15 months for a small fee4.

0%

Interest on Fixed Instalment Plans for up to 60 months3 at key retail partners.

// APPLY IN FOUR EASY STEPS.

Here’s what to expect as you sign up.
WHO CAN APPLY

// FULL LIST OF BENEFITS

Carry the card built to shop with maximum Interest Free1 days and a power-stack of money-saving features.

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MAX
INTEREST FREE

It’s the Interest Free credit card that gives you up to 110 Interest Free1 days.

brand crush icon

BRAND
CRUSH

Enjoy 10% cashbacks2 at crush-worthy brands every single week.

no overseas fees icon

NO FEES
OVERSEAS

Pay zero FX fees, whenever, wherever in the world you shop.

wrap icon

HUMM90WRAP

Convert purchases of $250 or more to an Instalment Plan for a small fee4.

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60 MONTHS LTIF3

Enjoy up to 60 months Long Term Interest Free3 finance at key retail partners.

// #HUMM90FAM

Check in with these partners and more for up to 60 months Interest Free finance3 when you pay with the humm90 Mastercard®.
*Offer applies to all new humm90 Mastercard applications submitted from this offer page between 14/12/2020 and 31/01/2021 and the balance transfer offer will be available for 30 days from your account open date. Balance transfer criteria apply, including that the total balance being transferred does must not exceed 90% of your approved humm®90 Mastercard® credit limit, must be from non-humm Group credit cards and you are not in arrears or default of your humm90 Mastercard Conditions of Use. Interest Free finance only available during the term, interest (charged at the Expired Promotional Rate) payable on any outstanding transferred balances after the expiry of the 36 months Interest Free term. humm90 may change 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. Minimum monthly repayment required. Interest (charged at the Expired Promotional Rate) payable on outstanding balances after any Interest Free Period in relation to a Promotional Offer. View current interest rates.  2. Cashback available on purchases made during the 24 hour period the brand crush promotion is offered, and for purchases via your humm90 Mastercard only. The cashback will be applied to your humm90 Mastercard account within 7 days. Approved applicants only. Fees, terms and conditions apply. Exclusions may apply. Only available at participating brand crush partners via your humm90 Mastercard app. See weekly brand crush promotional terms for availability periods and further details.  3. Up to 60 months Long Term Interest Free Finance available only during the term of the promotional period offered, interest (charged at the Expired Promotional Rate) payable on outstanding balances after any Interest Free Period in relation to a Promotional Offer. Approved applicants only. Fees, terms, conditions and minimum finance amount apply, including $99 Annual Fee charged at the time the first debit is charged to your humm90 Account and annually on the anniversary of that date. When you have met the Interest Free Criteria, the Annual Fee must be paid in full within the Interest Free Period or it will attract interest. If you do not meet the Interest Free Criteria the Annual Fee will attract interest from the date the Annual Fee is debited to your humm90 Account. Only available at humm90 retail partners. 4. humm90WRAP allows you to convert humm90 Mastercard purchases of $250 or more to an Interest Free Instalment Plan. Humm90WRAP Fee applies which is a percentage of the total amount payable on the card purchase selected. Option of 9, 12 or 15 equal monthly instalments, owed in addition to the minimum monthly repayment. If you fail to pay a fixed monthly instalment, interest (calculated at the Card Purchase Rate) 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 credit limit.
humm®90 provided by humm Cards Pty Ltd ABN 31 099 651 877 Australian Credit Licence number 247415.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.