The Credit Card for Smart Spenders
The humm90® Platinum Mastercard® offers flexible Interest Free1 options and can be used everywhere Mastercard is accepted both in Australia and internationally
The credit card that works for you
Saves you
interest
No International
Transaction Fees
All for a great value,
$9.95 monthly account fee
Interest Free1 Benefits
Get up to 110 days Interest Free1 on everyday purchases in-store & online
Get up to 60 months Long Term Interest Free2 with our humm90 retail partners
Pay off bigger buys gradually and Interest Free3
With humm90WRAP you can convert any transaction over $250 into an Interest Free instalment plan3 and pay over 9, 12 or 15 months.
Platinum extras that offer value
No International
Transaction Fees
Shop all around the world, online or overseas and pay no foreign transaction fees.
Enjoy Mastercard
travel perks
Access to Mastercard Travel & Lifestyle Services with exclusive hotel offers.
Dining, entertainment
and events
Receive priority welcome at over 10,000 popular restaurants, plus insider access to events.
humm90 Rates & Fees
Everyday spend
0
%
p.a.
p.a.
Get up to 110 days Interest Free1 on everyday purchases.
26.30
%
p.a.
p.a.
humm90 Purchase Rate applies after 110 days
Long term finance
26.49
%
p.a.
p.a.
Expired Promotional Rate applies to outstanding balance at the end of the interest free period
$9.95
Monthly account fee
Eligibility criteria
Be 18+ years old
Earn $25,000+ p.a.
Have a clear credit file
Be a permanent Australian resident
How to apply
Apply online
Be ready with your mobile number, email and Australian driver’s licence or passport.
10 minutes to complete
Application is quick and easy.
Start tapping!
Once approved, shop double the Interest Free1 days of most credit cards, everywhere Mastercard is accepted.
Our latest offers
Flight Centre’s BIG RED SALE is back and the savings are BIG. Take advantage of huge holiday savings with our massive 36 months Interest Free^ offer! These exclusive terms are only available for a limited time and only at Flight Centre!
^ T&Cs and eligibility criteria apply.
^ T&Cs and eligibility criteria apply.
We’re excited to bring you a mystery offer you won’t want to miss! Click to uncover & activate to earn cashback^ on every eligible purchase with humm90. How much will you get? Only one way to find out.
^ T&Cs and eligibility criteria apply.
^ T&Cs and eligibility criteria apply.
WeMoney Awards
Back-to-back champion! humm90 wins again in this year's WeMoney Travel Awards — Best for Flexibility and Excellent Rates & Fees. Apply for humm90 to enjoy up to 110 days Interest Free1 when booking your trip anywhere.
What our customers are saying
Frequently asked questions
What are humm90WRAPs?
humm90WRAPs allow you to convert purchases of $250 or more to your choice of 3 Interest Free Instalment Plans. You will be able to pay off big ticket purchases in monthly instalments at 0% p.a. interest for a small establishment fee.
Can I make cash withdrawals on my humm90 Mastercard?
Yes, you can use your card to withdraw cash from any ATM, where Mastercard is accepted. The withdrawn amount is deducted from your available credit limit. Cash withdrawals do not qualify for any Interest Free period and will attract interest at the Cash Advance Rate from the date of the transaction plus any cash advance fees.
Where can I login to my account?
Download the humm90 app or access your account via the online portal.
Need more help?
Chat with us or visit our Help & Support page for more info.
- Up to 110 days interest free on humm90 Mastercard purchases (excluding cash advances) when you meet the Interest Free Criteria. You must pay at least the ‘Alternative repayment to reduce interest’ on each monthly statement, by the statement due date. Any outstanding balance after the Interest Free Period reverts to the humm90 Purchase Rate.
- Up to 60 months Long Term Interest Free finance (LTIF) available only during the term of the promotional period offered, interest (at the Expired Promotional Rate, currently 26.49% 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.
- 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. If you fail to pay a fixed monthly instalment, interest (at the Expired Promotional Rate, currently 26.49% 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.
#Approved applicants only. Terms and conditions, fees & charges and eligibility criteria apply.
