humm credit cards
A humm credit card gives you access to long interest-free offers and cashback promotions with retail partners, as well as other typical credit card features.

humm group is an Australian fintech business that has been operating for over 30 years. It offers a mix of products, including buy now pay later, business financing and one credit card option. The humm90 Platinum Mastercard has features suited to shopping, including long interest-free payment plans and offers and complimentary insurance covers for eligible purchases.
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How we picked thesehumm currently offers 1 credit card: the humm90 Platinum Mastercard. This platinum credit 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 26.3% p.a. interest rate is at the high end of the scale for credit cards in Australia, so you'll get the most value when you can stick to the repayment requirements for each offer.
This card also comes with weekly cashback offers with partnered brands and has a $119.40 annual fee.
This card offers 110 interest-free days on purchases. This is one of the longest interest-free periods on the market, with most other credit cards offering up to 44 or 55 interest-free days on purchases.
The humm90 Platinum 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.
Term | Establishment fee |
---|---|
9 months | 3% |
12 months | 4% |
15 months | 5% |
After you've made the eligible purchase on your humm90 Platinum 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.
The humm90 Platinum 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.
You can add the humm90 card to Apple Pay, Google Pay and Garmin Pay to make payments straight from your mobile phone or smart device.
You can keep track of your transactions, payments and interest-free plans online or through the humm90 mobile app.
Your purchases are protected by Mastercard SecureCode when you're shopping online. Mastercard Zero Liability also offers protection against unauthorised transactions, and there is 24-hour support if your card is lost or stolen or you require an emergency card replacement or cash advance.
You can apply for the humm90 Platinum Mastercard online in around 15 minutes if you meet the following eligibility requirements:
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 Platinum Mastercard will also arrive in the mail in around 5–7 working days.
If you want to compare the humm90 Platinum Mastercard to credit cards from other banks and brands, these 3 also offer interest-free promotions or shopping-related perks:
Want to compare a wider range of credit cards? Check out the latest offers for rewards, balance transfers, low rates and more.
Get long-term interest-free offers on purchases and a 0% foreign transaction fee with the humm90 Mastercard.
Get long-term interest-free offers on purchases and a 0% foreign transaction fee with the humm90 Mastercard.