In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
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humm90 Platinum Mastercard
Terms and conditions apply
Purchase rate
25.8% p.a.
Annual fee
$99 p.a.
Interest-free on purchases
Up to 110 days

Our verdict

Offers long interest-free offers and no foreign transaction fees, with a 25.8% p.a. purchase interest rate.

The humm90 Mastercard offers one of the longest interest-free periods for everyday purchases. It gives you up to 110 days interest-free from the start of each statement period, which is much longer than the 44 or 55 days offered by most other cards. But keep in mind that the 25.8% p.a. purchase rate is much higher than most cards on the market and will be charged if you don’t repay what you spend during the interest-free period. So, if you think you'll carry a balance from month to month (that isn't part of an interest-free instalment plan), you may want to consider a lower rate credit card.


  • Up to 110 days interest-free on everyday purchases
  • Ability to convert $250+ purchases into 9-, 12- or 15-month 0% p.a. instalment plans
  • 0% foreign transaction fees


  • High 25.8% p.a. interest rate on purchases
  • High 25.99% p.a. interest rate on cash advances
  • Charges a $0.95 fee for BPAY repayments

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

The humm90 Mastercard (formerly Skye Mastercard) offers a range of interest-free options for your spending. It also has 0% foreign transaction fees and worldwide acceptance through the Mastercard network. But when it's charged, the 25.8% p.a. interest rate for purchases is high compared to most credit cards in Australia.


Product details

Product Name humm90 Platinum Mastercard
Purchase rate p.a.
Interest-free period
Up to 110 days on purchases
Cash advance rate p.a. 25.99%
Min credit limit $1,000
Max credit limit $50,000
Card type Mastercard


Available to temporary residents No
Minimum income $25,000
Joint application Yes - Conditions apply


Bonus points N/A


Annual fee
Minimum monthly repayment 3% of the closing balance or $30, whichever is greater
Late payment fee $35
Foreign currency conversion fee
Cash advance fee 3% or $3, whichever is greater
Overseas cash advance fee 3% or $3, whichever is greater
Overseas ATM withdrawal fee $0
Additional cardholder fee $10
Number of additional cardholders 4

How to apply

To get started, make sure you meet the following eligibility requirements and have all the essential documents and details on hand.

Eligibility criteria

  • Minimum income. You must earn at least $25,000 to apply for this card.
  • Residency. You must be an Australian citizen or permanent resident.

Card benefits

  • Up to 110 days interest-free on purchases. This card offers an interest-free period of up to 110 days on every purchase you make (excludes cash advances). At the end of the 110-day period, the standard purchase rate will apply to the balance. Note that you will still need to make minimum payments on your account by the due date listed on each statement.
  • 0% foreign transaction fees. The humm90 Mastercard doesn't charge a foreign transaction fee when you're travelling overseas or shopping online with an international retailer. This can save you around 2-4% per transaction compared to some other credit cards and debit cards. But keep in mind that overseas ATM withdrawals with this card would still attract cash advance rates and fees.

Rates & fees

  • Annual fee. This card charges an annual fee of $99.
  • Purchase rate. The standard purchase rate is 25.8% p.a. In comparison, the average standard credit card interest rate is 20.16% according to RBA data.

Your reviews

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August 05, 2023

I am going on a 8 night cruise that deals in US dollars

What charges will apply for conversions if I pay back the charged amount within a week of returning from my trip


Amy Bradney-George Finder

August 07, 2023

Hi Kylie,

The humm90 Mastercard doesn’t charge a currency conversion fee for transactions made in US dollars or another foreign currency. It also offers interest-free days on purchases. However, there are fees and interest charges for cash advance transactions (such as ATM withdrawals), as well as for purchase balances you carry-over from the interest-free period. If you have questions about a specific type of transaction, you can contact humm90 on 1300 115 533 for further details. I hope this helps.

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July 11, 2023

Is there any balance transfer offer for existing card holder? If yes how long?thanks


Elizabeth Barry Finder

July 24, 2023

Hi Suresh,

There are currently no balance transfer offers available for existing cardholders. If you’re looking to balance transfer your humm90 balance to another card you can consider your options on this page:

Hope this helps,


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February 22, 2023


I am applying for humm credit card to pay off my overseas trip with flight centre. It states I have 12 months to pay it off interest free but I have read on your website you can only spend 90% of the available amount at any given time. Should I apply for $10,000 to cover it all and because its higher than what I owe, will I only pay no interest on the full amount going onto my booking number for my trip that I supply?

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Amy Bradney-George Finder

February 24, 2023

Hi Allix,

The 90% available credit limit amount listed here applies to balance transfers, where you move a balance from a different card onto the humm90 Mastercard. It doesn’t apply to purchases made with the card.

The humm90 Mastercard’s long-term interest-free offers with partners including Flight Centre have terms and conditions that vary depending on the offer. When I checked the details on the Flight Centre website (as of 24 February 2023), there was a minimum spending limit of $400 but no maximum limit listed. However, you can only ever spend up to the card’s approved, available credit limit.

Finder’s guide on choosing a credit limit has more information about limits. You can also contact humm90 on 1300 115 533 or through their online chat service or phone line



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November 15, 2021


Just wondering what’s establishment fee on Hmm credit card.


Chris Giovine Finder

November 17, 2021

Hi Sandeep,

There’s no establishment fee on the humm90 Mastercard credit card at the application stage.

If you’re spending more than $250 in one go, the credit card offers 9-, 12- or 15-month interest-free payment plans that you can request within 30 days of the purchase.

Known as humm90WRAP, these plans are subject to approval and attract an establishment fee of 3% for a 9-month plan, 4% for a 12-month plan and 5% for a 15-month plan.

I hope this has helped.


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May 15, 2019

Two questions, fist I have a zip money account that allows me to control how much I pay within the interest free period, is skye the same? Secondly, I notice the 90 day interest free, but will this be subjected to promotions cause I see others using skye offering longer interest free periods? Is this due to the business that uses skye and what interest free period they want to offer on their goods and serives?

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Nikki Angco

May 16, 2019

Hi Paul,

Different from another instalment service, Skye Mastercard offers interest-free instalment plans of 9, 12 and 15 months when you use it for purchases of $250 or more. SkyePlan instalment plans are subject to approval and attract a fee that’s calculated based on the total balance you want to pay off in instalments.

The 90 days interest-free purchase won’t be subject for promotions. When you make a purchase using the Skye Mastercard, you are given 90 days to pay. At the end of the 90-day period, the standard purchase rate will apply to the balance. Note that you will still need to make minimum payments on your account by the due date listed on each statement.

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