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Amy Bradney-GeorgeUpdated
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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.
Applying for a credit card online is fast and easy. You'll need to be at least 18 years of age and meet the card's eligibility criteria. For more about eligibility, the kinds of documentation you'll need and the factors that can affect whether your card application is approved, check out our full guide to applying for a credit card.
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:
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 humm90 card in the mail and can keep using your current card until then.
Yes, you can use the humm90 Platinum Mastercard to withdraw cash from an ATM. But this will be processed as a cash advance transaction, which means you won't get any interest-free period. Cash advances with the humm90 attract a cash advance interest rate of 28.99% and a cash advance fee of 3% or $3 (whichever is greater).
If you want to close your account for good, you can fill in a form on the humm90 website or call humm on 1300 115 533.
Note that any payment plans or balances on your account will need to be settled before you can fully close the account.
Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio
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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 Platinum Mastercard.
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