humm credit cards

How you can take advantage of interest-free days, 0% foreign transaction fees and repayment plans with a humm90 Mastercard credit card.

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The humm90 Mastercard gives you a few ways to pay off your credit card purchases with no interest. Whether you want to take advantage of interest-free days, a repayment plan or promotional interest rates with partnered retailers, you can use this guide to compare the features, rates and fees you can expect from the humm90 Mastercard.

humm Credit Card Offer

humm90 Mastercard

0% p.a. for 36 months on balance transfers
No balance transfer fee

Offer ends 15 July 2021

Eligibility criteria, terms and conditions, fees and charges apply

humm Credit Card Offer

Save on interest with 0% p.a. on balance transfers for 36 months (with no balance transfer fee), 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 & balance transfer revert 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
0% p.a. for 36 months
23.99% p.a.
N/A
$99
Save with 0% interest on balance transfers for 36 months, with no balance transfer fee. Plus, up to 110 days interest-free on purchases.
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Skye has rebranded to humm

In November 2020, Skye became humm and the Skye Mastercard was rebranded as the humm90 Mastercard. If you already have a Skye Mastercard, you'll be sent a new card in the mail and can keep using your current card until then. You'll find details of the current features for this Mastercard below.

Types of cards and plans from humm

  • humm90 Mastercard

The humm90 Mastercard is designed to suit cardholders who want options to pay off their credit card without the pressure of interest. Cardholders can take advantage of 110 days interest-free, giving you more breathing room to pay off your purchases.

You still need to make minimum repayments by the due date listed on each statement. However, it’s wise to pay your balance in full by the end of the 110 days as any unpaid balances will collect the 23.99% p.a. standard card purchase rate. This is higher than most purchase rates, so it’s best suited to cardholders who can pay off their balance in full by the due date. If you use the card to make a cash advance, such as an ATM withdrawal, you’ll also attract the high 25.99% p.a. cash advance rate.

You can also use this card when you’re travelling overseas or shopping with an international merchant without attracting foreign transaction fees. This card charges a $99 annual fee.

You can apply for a credit limit up to $50,000, but your approved credit limit is based on lending criteria and a credit assessment.

  • humm90WRAP instalment plans

If you want more than 110 days to pay off purchases on your humm90 Mastercard, you can also convert card purchases of $250 or more to a 9, 12 or 15 month interest-free instalment plan. This can come in 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.

You can also take advantage of promotional interest rates with retail partners. The rates will vary between retailers, but remaining balances will attract the 25.99% p.a. expired promotional rate. This is a high interest rate, so it’s important that you aim to pay your purchase off in full before this applies.

What are the 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.

  • Repayment plans

You can also tailor your cards interest-free days to best suit your ability to repay. With the option of a 9, 12 or 15 month interest-free instalment plan, you can choose a repayment plan that suits your purchases and financial goals.

  • Security

Your purchases are safeguarded by Mastercard SecureCode to protect you when you’re shopping online or Mastercard Zero Liability to protect 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.

  • Mobile payments

It's easier to make payments when you shop as you can tap-and-go upon check out using your compatible device if you link your humm90 card to Apple Pay.

How to apply for a card with humm?

You can apply for the humm90 Mastercard online if you meet the following eligibility requirements:

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

When you’re applying, you’ll also need to provide the following details to complete your application:

  • Contact details. Including your mobile number and email address.
  • Proof of identification. You’ll be asked to provide copies of your Australian driver’s licence, Medicare card or Australian passport.
  • Bank statement. You'll be asked to provide a recent bank statement to help verify your income details. You can do this by emailing humm after submitting the application or by securely signing into your bank account during the application.

The humm90 Mastercard and humm90WRAP could be a competitive offer for cardholders looking to cut interest costs. As this isn’t only low interest offer on the market, make sure to compare a few options before applying.

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More guides on Finder

  • Skye Mastercard – Exclusive Offer

    Looking for an alternative to buy now, pay later? Compare the instalment plans, 110 interest-free days and balance transfer on this exclusive Skye Mastercard offer.

  • humm90 Mastercard

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

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