The humm90 Mastercard® is an Interest Free credit card, that gives you up to 110 Interest Free* days to pay, every time you tap it for a purchase. Pay off big ticket purchases such as a new spa, robotic cleaner, pool pump or filter in monthly instalments at 0% p.a. interest!
WHATEVER - WHERE EVER - WHOEVER
Bag it with Humm90
Like to pay your purchase off over time? humm90 is the Long Term Interest
Free finance Mastercard® that you can also use to save interest every day.
How it Works
Apply online in minutes (you’ll need to be over 18, a permanent Australian resident and earning over $25,000 full time)
Upon approval, you'll receive an SMS with important information about your humm90 account and a 4 digit code to accept.
Visit our store and purchase what you want. To authorise the purchase, you'll need to enter the second 4 digit code SMSed to you.
Enjoy your purchase! You'll receive a welcome pack with your card within 10 days and monthly statement showing the minimum payment and due date.
ONCE APPROVED, YOU’LL RECEIVE A HUMM90 MASTERCARD WITH
A POWER STACK OF MONEY SAVING FEATURES.
Who can apply for a humm90 Mastercard?
Anyone can apply for a humm90 Mastercard® as long as they are 18+ years old, earn $25,000+ p.a. are an Australian citizen or permanent resident of Australia and have a clear credit file
What is an interest free term?
It is a period of time in which you do not have to pay any interest on your humm90 Mastercard purchase. This applies only to purchase where the offer is available, and not to other transactions. Interest is payable on any balance outstanding after the Interest Free Term at the Expired Promotional Rate applicable to your humm90 account and any other humm90 Mastercard transaction which does not have the benefit of the interest free offer.
Terms & Conditions
- 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 all new transactions from that day will be interest bearing from the date of the transaction. Any outstanding balance after the Interest Free Period reverts to the humm90 Purchase Rate, currently 23.99% p.a. Minimum monthly repayment required.
- Cashback available on purchases made during the 24-hour period the brand crush promotion is offered, and for purchases made via your humm90 Mastercard only. The cashback will be applied to your humm90 Mastercard account within 7 days. Exclusions may apply. Only available at participating brand crush partners via your humm90 Mastercard app. See weekly brand crush promotional terms for availability periods and further details.
- Up to 60 months Long Term Interest Free Finance (LTIF) available only during the term of the promotional period offered, interest (charged at the Expired Promotional Rate, currently 25.99% 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, in addition to the minimum monthly repayment. If you fail to pay a fixed monthly instalment, interest (calculated at the humm90 Purchase Rate, currently 23.99% 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.
- Complimentary insurance covers: AIG Australia Limited ABN 93 004 727 753 AFSL 381686 (Insurer) has issued a group policy to Mastercard Asia/Pacific Pte. Ltd which allows eligible humm90 cardholders to claim under the group policy as third party beneficiaries. Access to the benefit of cover under this policy is available to eligible humm90 cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). Mastercard Asia/Pacific Pte. Ltd is a Group Purchasing Body under the ASIC Corporations (Group Purchasing Bodies) Instrument 2018/751 and is not authorised to provide any financial advice. The eligibility criteria, terms, conditions, limits and exclusions of the group policy are set out in the humm90 Platinum Mastercard Complimentary Insurance Terms and Conditions which may be amended from time to time and can be found at www.humm90.com/au/insurance/terms-conditions. humm Cards Pty Ltd ABN 31 099 651 877 does not guarantee any benefits under the policy and does not arrange or provide any financial advice in relation to coverage under the policy. We recommend you seek your own independent financial advice from a financial services licensee who is authorised to provide financial advice if you have any queries on any aspect of these insurance covers.
humm®90 provided by humm Cards Pty Ltd ABN 31 099 651 877 Australian Credit Licence number 247415.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.