---
title: "humm90 — humm"
description: "Credit & Charge Cards from humm. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/humm/products/a48a6192-2ad9-4c1b-a67d-1fbde8cce5ec
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-23T07:05:14Z
---

# humm90 — humm

> Credit & Charge Cards from humm. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Credit & Charge Cards**

The humm90® Platinum Mastercard® offers flexible Interest Free options and can be used everywhere Mastercard is accepted both in Australia and internationally.

## At a glance

- **Purchase rate:** 27.3%

## Apply

Applications are handled by the provider: [Apply at humm](https://apply.flexicards.com.au/seller=SKYE2?_gl=1*1ijr9ao*_gcl_au*MTg2NjQzMzg4NS4xNzgyNzg2OTA2*_ga*OTk5MzYyMjg2LjE3ODI3ODY5MDc.*_ga_7JLW8TSYG6*czE3ODI3OTcxNTEkbzMkZzEkdDE3ODI3OTc2MDkkajYwJGwwJGgxMDQ4NDEwMTYy)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Purchase | 27.3% | — | — |
| Cash advance | 28.99% | — | — |
| Penalty | 28.99% | — | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Monthly Fee — 9.95 · 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 — 45.00 · 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 — Charged when you ask us to replace a humm90 Mastercard. | Replacement | $20.00 |
| Urgent Card Replacement Fee — Charged when you ask us to arrange an urgent replacement of a humm90 Mastercard, with the amount determined by where and how we send the replacement card. | Replacement | $20.00 – $200.00 |
| Cash Advance Fee — Charged when the relevant Balance Transfer Transaction is debited to your humm90 Account. It will be a percentage of the debit balance transferred under a Balance Transfer Transaction. This percentage is notified to you before you complete the Balance Transfer Transaction. | Cash advance | 3% of balance |
| humm90wrap Fee Establishment Fee - 9 month term — An Establishment Fee will be charged whenever a purchase is converted to humm90//WRAP. The Establishment Fee is 3% of the purchase you convert to humm90//WRAP on a 9 month term | Upfront per plan | 3% of balance |
| humm90wrap Fee Establishment Fee - 12 month term — An Establishment Fee will be charged whenever a purchase is converted to humm90//WRAP. The Establishment Fee is 4% of the purchase you convert to humm90//WRAP on a 12 month term. | Upfront per plan | 4% of balance |
| humm90wrap Fee Establishment Fee - 15 month term — An Establishment Fee will be charged whenever a purchase is converted to humm90//WRAP. The Establishment Fee is 5% of the purchase you convert to humm90//WRAP on a 15 month term. | Upfront per plan | 5% of balance |

## Instalment plans

- **Plan splits** — 9–15 instalments
- **Minimum plan value** — $250.00

## Features

- **Interest-free period** — 110 days (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** — 60 months (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** — 15 months (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
- **Additional cards** — Additional Cardholder (If you have a humm90 Mastercard, you may ask us to issue a humm90 Mastercard to another person aged 18 or over as an Additional Cardholder. If we agree, we will issue that person a humm90 Mastercard and they will be able to operate your humm90 Account. You will be responsible for their use of your humm90 Account.)
- **Digital wallet** — Pay with digital wallet (Introducing new and easy-to-use features that make managing your account even more convenient. Plus, spend in-store and online, with Apple PayTM, Google PayTM and Garmin PayTM on the go!)
- **Free transactions** — No International Transaction Fees (Based on the value of the Transaction in Australian dollars charged, each time an amount is debited to your humm90 Account in respect of a Card Transaction conducted in a currency other than Australian Dollars.)

## 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** — $1,000.00 (Minimum credit limit)
- **Maximum limit** — $50,000.00 (Maximum credit limit)

## More information from humm

- [Overview](https://www.humm90.com/au/)
- [Terms & conditions](https://cdn.humm90.com/uploads/sites/3/2024/01/5001_H90_Conditions-of-Use-and-Credit-Guide_Jan2024.pdf)
- [Fees & pricing](https://www.humm90.com/au/fees-charges/)

## Data provenance

- Published by humm under the Consumer Data Right
- Product ID: `a48a6192-2ad9-4c1b-a67d-1fbde8cce5ec`
- Last updated by the provider: 23 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/humm/a48a6192-2ad9-4c1b-a67d-1fbde8cce5ec
- Provider page: https://www.cdrcompare.au/brands/humm

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/humm/products/a48a6192-2ad9-4c1b-a67d-1fbde8cce5ec) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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