From 6 March 2026, the humm90 Platinum Mastercard's Purchase Rate will increase to 27.30%, the Cash Advance Rate will increase to 28.99% and the Expired Promotional Rate will increase to 28.99%
humm®90 is a Platinum Mastercard® that gives you up to 110 days Interest Free* on everyday purchases and flexible instalment plans for larger purchases+.
Get up to 110 days Interest Free* on everyday purchases, online & instore.
Turn any purchase over $250 into an Interest Free instalment plan which you can repay over 9, 12 or 15 affordable months.
Save when shopping overseas or at your favourite international websites.
Be ready with your mobile number, email and Australian driver’s licence or passport.
Application is quick and easy.
Once approved, shop double the Interest Free* days of most credit cards, everywhere Mastercard is accepted.
T&Cs
*Promotional offer available only for approved applicants who open a new humm®90 Platinum Mastercard® account between 12:00am AEDT on 11/02/2026 and 11:59pm AEDT on 25/03/2026 (“Application Period”). Fees and T&Cs apply. Applicants must apply via the campaign landing page https://humm90.com/au/promotion/150back and enter the promo code ‘150BACK’ in the promo field on the first page of your application.
No monthly fee applies for the first 12 months. A Monthly Fee of $9.95 will be charged on the first anniversary of your humm90 Account opening and monthly thereafter; this fee attracts interest (charged at the humm90 Purchase Rate, currently 27.30% p.a.) from the date charged unless fully paid within the Interest Free Period and the Interest Free Criteria are met.
To be eligible for $150 back, the cardholder must spend $1,500 or more using humm90 Platinum Mastercard on eligible card spend transactions within 120 days of account opening (Offer End Date). Eligible card spend transactions do not include cash advances, balance transfers, Long-term Finance purchases, IKEA card swipe transactions over $250 and Electronic Funds Transfer (EFT). Transactions may take up to 3 days to clear.
$150 will be credited to your account within 30 days of Offer End Date. Your account must be open and not in default of the credit contract when $150 back is applied. Minimum monthly repayment required. This offer is not transferable. humm90 may change, withdraw or end this offer at any time.
^Fees and charges apply, including a monthly account fee of $9.95 that applies on account opening. T&Cs and minimum finance amount applies. 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 the balance of all everyday transactions will become interest bearing. Any outstanding balance after the Interest Free Period reverts to the humm90 Purchase Rate, currently 27.30% p.a. and subject to change. Minimum monthly payment required.
+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 28.99% 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.
· Winner – Best for Flexibility – Travel Credit Card
· Winner – Excellent Rates & Fees – Travel Credit Card
· Finalist – Best for Value – Travel Credit Card
· Finalist – Outstanding Customer Service – Travel Credit Card