humm credit cards

Interested in a humm credit card? Here’s what you can get, including long interest-free offers and cashback promotions with retail partners.

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humm group is an Australian fintech that has been operating for over 30 years locally and overseas. It offers a mix of products, including buy now pay later, business financing and a credit card option. As well as familiar credit card features, humm's credit card gives you a way to get long interest-free offers on purchases and other shopping perks. So, let's take a look at what you can get.

humm Credit Card Offer

humm90 Mastercard

0% foreign transaction fees
Up to 110 days interest-free on purchases

Eligibility criteria, terms and conditions, fees and charges apply

humm Credit Card Offer

Enjoy up to 110 days interest-free on purchases and 0% foreign transaction fees.

  • Up to 110 days interest-free on purchases | $99 annual fee
  • Convert large purchases into 9-, 12- or 15-month 0% p.a. instalment plans for purchases of $250 or more
  • 0% foreign transaction fees for online and overseas purchases
  • Purchase interest rate: 23.99% p.a. | Cash advance rate: 25.99% p.a.
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Comparison of humm credit cards

% p.a.
Name Product Balance transfer rate Purchase rate Bonus points Annual fee Amount saved
humm90 Mastercard
23.99% p.a.
Enjoy up to 110 days interest-free on purchases, 0% foreign transaction fees and flexible instalment plan options.

Compare up to 4 providers

Types of credit cards from humm

humm currently offers 1 credit card: the humm90 Mastercard. This card gives you a few interest-free options, including up to 110 days interest-free on purchases, instalment plans and long-term interest-free finance offers of up to 60 months with select retail partners. But its interest rate is relatively high if an interest-free period doesn't apply – so you'll get the most value when you can stick to the repayment requirements for each offer.

This card comes with weekly cashback offers with partnered brands and has a $99 annual fee.

Benefits of getting a credit card with humm

  • Interest-free days

This card offers 110 interest-free days on purchases. Most credit cards offer up to 44 or 55 interest-free days, so this is one of the longest interest-free features on the market.

  • humm90WRAP instalment plans

The humm90 Mastercard gives you a way to convert card purchases of $250 or more to a 9-, 12- or 15-month interest-free instalment plan. This is handy if you have large purchases (such as a new mobile phone or a holiday) that you'd like more time to pay off. If you sign up for a humm90WRAP, you'll be charged an establishment fee which will vary depending on your interest-free term.

TermEstablishment fee
9 months3%
12 months4%
15 months5%

After you've made the eligible purchase on your humm90 Mastercard, you need to log in to your account within 30 days to convert your purchase to your chosen humm90WRAP. The selected interest-free instalment amount will then be debited to your account each month over the nominated term.

  • LTIF: Up to 60 months interest-free with retail partners

The humm90 Mastercard gives you access to long-term interest-free (LTIF) finance offers with a mix of retail partners, such as IKEA, Flight Centre and Michael Hill. You can check out offers on the humm90 website before you shop. Just keep in mind that any balance left at the end of the interest-free period will attract a high expired promotional interest rate – so it's important that you pay off your purchase in full before this applies.

  • Brand Crush cashback offers

Exclusive to humm90 cardholders, Brand Crush offers up to 10% cashback with partnered brands. These offers change weekly and can only be used when you shop through the humm90 mobile app using your humm90 Mastercard. Any cashback you earn through Brand Crush is added back onto your card as a credit.

  • Mobile payments

You can add the humm90 card to Apple Pay and make payments straight from your iPhone or a compatible Apple Watch, iPad or MacBook Pro.

  • Account management

You can keep track of your transactions, payments and interest-free plans online or through the humm90 mobile app.

  • Security

Your purchases are safeguarded by Mastercard SecureCode when you're shopping online. Mastercard Zero Liability on the other hand protects you from fraud and other unauthorised transactions. You can also contact the 24/7 Mastercard Global Service if your card is lost or stolen or you require an emergency card replacement or cash advance.

Eligibility criteria

You can apply for the humm90 Mastercard online in around 15 minutes if you meet the following eligibility requirements:

  • Age. You must be at least 18 years old.
  • Income. You must earn at least $25,000.
  • Australian residency status. You must be a permanent Australian resident.

Information and documents you need to apply

You’ll also need to provide the following details to complete your application:

  • Contact details, such as your mobile number and email address.
  • Proof of identification, including copies of your Medicare card and Australian passport or driver's licence.
  • A recent bank statement to help verify your income details. You can email this to humm after submitting the application or by securely signing into your bank account during the application.

Credit card details
When you apply, you may be asked about the following credit card features:

  • Credit limit. You can request a credit limit as part of the application, or have one assigned to you. If you want to request one, keep in mind that this card has a minimum limit of $1,000 and any request should be to the nearest $100. Also be aware that the actual credit limit you get is based on the details you provide, as well as the lending criteria and assessment process.

What happens after you apply?

You'll get a response to your application within 60 seconds. If you're approved, you can set up a digital card and use that straight away. Your actual humm90 Mastercard will also arrive in the mail in around 5–7 working days.

Frequently asked questions

Want to compare a wider range of credit cards? Check out the latest offers for rewards, balance transfers, low rates and more.

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More guides on Finder

  • humm90 Mastercard – Balance Transfer Offer

    Check out this card’s long-term interest-free offers on purchases – plus one of the longest 0% balance transfer offers on the market.

  • humm90 Mastercard

    Take advantage of a long-term interest-free offers on purchases and a 0% foreign transaction fee with the humm90 Mastercard.

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