*T&Cs apply, see https://www.humm90.com/au/promotion/carorcash2023/. Open to AU res 18+. Must be a humm®90 Platinum Mastercard® holder. Ends: 11:59pm AEDT 31/12/23. Limit 1 entry p/transaction. Draw: G13, 3 Amy Close, Wyong NSW 2259 on 17/1/24 at 10am AEDT. Prize: Choice of either 1 x MG ZS EXCITE 1.5L 4Spd Auto Wagon MY23 (white) or $25,000 cash. Winner published at https://www.humm90.com/au/promotion/carorcash2023/ from 24/1/24. NSW Authority: TP/02505 ACT TP23/02199 SA T23/1698

^New and approved applicants only who have applied for, been approved and opened a new humm®90 Platinum Mastercard® account between 12:00am AEDT on 20/11/2023 and 11:59pm AEDT on 31/12/2023 (“Application Period”). Applicants need to apply via the campaign landing page https://www.humm90.com/au/promotion/get300ah9015 during the Application Period and use the promo code ‘GET300’ in the promo field on the first page of the application.

$99 annual Account Fee, Fees, terms, and conditions apply. $99 annual Account Fee is charged on humm90 Account opening date and annually thereafter; which attracts interest (charged at the humm90 Purchase Rate, currently 25.80% p.a) from the date charged unless fully paid within Interest Free Period and the Interest Free Criteria are met. Minimum monthly repayment required.

This offer (“Spend Back Offer”) is not transferable and is limited to one Spend Back Offer per humm90 Account. To be eligible to redeem the Spend Back Offer, the cardholder must spend $3,000 or more using their humm90 Platinum Mastercard on eligible card spend transactions within 60 days of their humm90 Account opening date (“Offer Period”). Eligible card spend transactions do not include cash advances, balance transfers, Long-Term Finance purchases, IKEA card swipe transactions over $250, Electronic Funds Transfer (EFT) & BPAY Online payments. Transactions may take up to 3 days to clear. Any transactions made during the Offer Period which are refunded will be disqualified for the purposes of the Spend Back Offer.

Humm Cards Pty Ltd may change, withdraw or end this offer at any time. If (i) all of the above-mentioned conditions are met and sufficient, non-disqualified eligible card spend transactions are entered into within the Offer Period and (ii) the relevant humm90 Account is not in default or arrears (and was not in default or otherwise in arrears during the Offer Period), $300 will be credited to the relevant humm90 Account within 30 days of the Offer End Date. A minimum monthly repayment of the outstanding balance is required regardless of applicable Interest Free Periods. Interest is payable on any remaining balance outstanding after the Interest Free Period. See www.humm90.com/au/important-information/ for current rates.

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.