humm90
The humm90® Platinum Mastercard® offers flexible Interest Free options and can be used everywhere Mastercard is accepted both in Australia and internationally.
- Purchase rate
- 27.3%
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Purchase | 27.3% | — | — |
| Cash advance | 28.99% | — | — |
| Penalty | 28.99% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Monthly Fee Charged at the time your humm90 Account is created and monthly thereafter. | Ongoing | $9.95 |
| Payment Handling Fee Charged each time a payment is made via BPAY to pay your account. | Payment | $0.95 |
| Paper Statement Fee Per statement, charged for each paper statement we provide you. | Other | $5.00 |
| Late Payment Fee Charged when an amount owing is not paid by the due date. | Late payment | $45.00 |
| Payment Dishonour Fee Charged when a payment is dishonoured. | Dishonour | $15.00 |
| Additional Cardholder Fee Per annum for each Additional Cardholder, charged at the time each Additional Cardholder is added to your humm90 Account and annually on the anniversary of that day while the Additional Card remains issued | Other | $10.00 |
| Card Replacement Fee |
Features
- Interest-free period — Get up to 110 days Interest Free
- humm®90 Platinum Mastercard® is one of the only credit cards that gives you between 80 – 110 days interest free* on eligible purchases. Get at least 80 days from the date of your purchase before any interest is charged – which can stretch to 110 days depending on the date in your statement period when the purchase was made.
- Interest-free period — Long Term Interest Free
- Long Term Interest free allows you to have what you need now and pay over an extended time, interest free~. Our partner retailers may offer up to 60 months interest free on select purchases allowing you to take it today, and get a long, affordable, interest free time to pay.
- Interest-free transfers — Convert purchases to a Interest Free instalment plan
- humm90//WRAP allows you to convert purchases of $250 or more to a 9, 12 or 15 month Interest Free^ instalment plan for a small establishment fee. Giving you greater control of your repayments for life’s important purchases.
- Bill payment (BPAY) — Pay bills with Bpay
- Bill payment (BPAY) — Pay bills via direct debit
Eligibility
- Minimum age — 18 years
- Minimum income — $25,000.00 p.a.
- Have a clear credit file
- Have a valid mobile number
- Residency status — Be a permanent Australian resident
Constraints
- Minimum limit — $1,000.00Minimum credit limit
- Maximum limit — $50,000.00Maximum credit limit
More Information
Published by humm under the Consumer Data Right · Last updated 10 July 2026 · Product ID a48a6192-2ad9-4c1b-a67d-1fbde8cce5ec