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

humm90 interest free card

The credit card that works for you

Saves you
interest

No International
Transaction Fees

All for a great value,
$9.95 monthly account fee​

humm90 interest free benefits

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.

humm90 transactions

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 card
Apply for humm®90 Platinum Mastercard® in minutes online.

humm90 Rates & Fees

Everyday spend

0
%
p.a.
Get up to 110 days Interest Free1 on everyday purchases.
26.30
%
p.a.
humm90 Purchase Rate applies after 110 days

Long term finance

0
%
p.a.
on Long Term Finance deals.
See where you can shop interest free2
26.49
%
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 offer

GET $200 BACK when you apply for the humm®90 Platinum Mastercard® and spend $2,000 on eligible transactions in your first 120 days.^ To sweeten the deal, we’re waiving the monthly account fees for the first 12 months - saving you $119.40!^

^ 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

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.
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.
Download the humm90 app or access your account via the online portal.
Log in here and activate your humm90 Mastercard online. For any additional support, visit or support page.

Need more help?

Chat with us or visit our Help & Support page for more info.

  1. 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.
  2. 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.
  3. 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.