T&Cs
^ Promotional offer available only for applicants who have applied for, been approved and opened a new humm®90 Platinum Mastercard® account between 12:00am AEDT on 10/03/2025 and 11:59pm AEDT on 13/04/2025 (“Application Period”). Fees, terms, and conditions apply. Applicants need to apply via the campaign landing page https://humm90.com/au/promotion/400back/ and use the promo code ‘400BACK’ in the promo field on the first page of your application. No monthly fee on account opening for the first 12 months, however a $9.95 Monthly Fee will be charged on the anniversary of your humm90 Account opening and monthly thereafter; which attracts interest (charged at the humm90 Purchase Rate, currently 26.30% p.a) from the date charged unless fully paid within Interest Free Period and the Interest Free Criteria are met. To be eligible for $400 back, the cardholder must spend $4,000 or more using humm90 Platinum Mastercard on eligible card spend transactions within 60 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. $400 will be credited to your account within 30 days of Offer End Date. Account must be open and not in default of the credit contract when $400 back is applied. Minimum monthly repayment required. This offer is not transferable. humm90 may change, withdraw or end this offer at any time.

* 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 amount to avoid interest’ on each monthly statement, by the statement due date. Any outstanding balance after the Interest Free Period reverts to the humm90 Purchase Rate.

+ 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.