0% p.a. FOR
36 months*

On balance

$0 Balance Transfer Fee.

Experience the Interest Free superpowers of the humm®90 Platinum Mastercard® from the start with this exclusive welcome offer on Balance Transfers.

Offer ends 15 July 2021.
humm90 card offer

Interest Free Superpowers.

humm90 is no ordinary credit card – it offers a range of ways to spread payment over time, Interest Free.
humm90 110days Interest
Up to 110 Interest Free days, every day ¹.

For every purchase, every day, you get an Interest Free period of up to 110 days.

15months Interest
Interest Free
plans of up to
15 months ².
With humm90//WRAP you can take control of any purchase over $250 by spreading payment over 9, 12 or 15 months, Interest Free.
humm90 60months interest
Long Term Interest Free finance of
up to 60 months ³.

Shop bigger buys with our partners for holidays, furniture, jewellery and more and spread payment over up to 60 months, Interest Free.

Platinum extras.

humm90 comes with premium shopper-friendly extras, all for an affordable $99 annual fee.


Insurance built for shoppers ⁴.

You could be eligible for complimentary Purchase and Price Protection insurance for the purchases you make with your humm90 card.

humm90 icon NOFX


Shop all around the world, online or overseas, and pay no Foreign Exchange fees on purchases made with your humm90 card.
humm90 icon Cashback

A 10% cashback every week ⁵.

Shop through the humm90 app where you’ll find a 10% cashback for a new crush-worthy brand every week.

Rates & Fees

Annual fee


Interest rate
0% interest for up to 110 days (25.99% thereafter)

humm90//WRAP fee

Up to 5% of the purchase price (establishment fee) for up to 15 mths term

humm90//WRAP interest rate

0% interest for up to 15 mths

Eligibility criteria

save with 0%
for 36 months

On balance transfers

No balance transfer fees.

humm90 humm90 save transfer

Terms & Conditions

*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 36 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 36 months. Interest (charged at the Expired Promotional Rate, currently 25.99% p.a.) payable on any outstanding transferred balances after the expiry of the 36 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 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 23.99% p.a. 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 humm90 Purchase Rate, currently 23.99% 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. 

3. Up to 60 months Long Term Interest Free Finance (LTIF) available only during the term of the promotional period offered, interest (charged at the Expired Promotional Rate, currently 25.99% p.a.) payable on outstanding balances after any Interest Free Period in relation to a Promotional Offer. Only available at humm90 retail partners. LTIF terms may vary depending on the humm90 retail partner.

4. Complimentary insurance covers: AIG Australia Limited ABN 93 004 727 753 AFSL 381686 (Insurer) has issued a group policy to Mastercard Asia/Pacific Pte. Ltd which allows eligible humm90 cardholders to claim under the group policy as third party beneficiaries. Access to the benefit of cover under this policy is available to eligible humm90 cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). Mastercard Asia/Pacific Pte. Ltd is a Group Purchasing Body under the ASIC Corporations (Group Purchasing Bodies) Instrument 2018/751 and is not authorised to provide any financial advice. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the humm90 Platinum Mastercard Complimentary Insurance Terms and Conditions which may be amended from time to time and can be found at www.humm90.com/au/insurance/terms-conditions. humm Cards Pty Ltd ABN 31 099 651 877 does not guarantee any benefits under the policy and does not arrange or provide any financial advice in relation to coverage under the policy. We recommend you seek your own independent financial advice from a financial services licensee who is authorised to provide financial advice if you have any queries on any aspect of these insurance covers.

5. Cashback available on purchases made during the 24-hour period the brand crush promotion is offered, and for purchases made via your humm90 Mastercard only. The cashback will be applied to your humm90 Mastercard account within 7 days. 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. 

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.