In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask an expert
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humm90 Platinum Mastercard

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Purchase rate
25.8% p.a.
Annual fee
$99 p.a.
Interest-free on purchases
Up to 110 days

Our verdict

Offers $300 back for new cardholders, 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.

Pros

  • $300 back
  • Up to 110 days interest-free on everyday purchases
  • Ability to convert large purchases into 9-, 12- or 15-month 0% p.a. instalment plans
  • 0% foreign transaction fees

Cons

  • Very high 25.8% p.a. interest rate on purchases
  • Very 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 an expert

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.

Details

Product details

Product Name humm90 Platinum Mastercard
Purchase rate p.a. 25.8%
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

Eligibility

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

Rewards

Bonus points N/A

Fees

Annual fee $99
Minimum monthly repayment 3% of the closing balance or $30, whichever is greater
Late payment fee $35
Foreign currency conversion fee 0%
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

  • New customer. You must be a new cardholder to be eligible for the $300 back offer. You also need to enter the code "GET300" in the promo field of the application.
  • Minimum income. You must earn at least $25,000 to apply for this card.

Card benefits

  • $300 back. The humm90 Mastercard offers $300 back on your account when you apply using the promo code "GET300" by 31 December 2023 and spend $3,000 on eligible purchases in the first 60 days from approval. After that, the cashback will be credited to your account within 30 days. Eligible spending includes most everyday and retail purchases but transactions that aren't eligible include BPAY, cash advances, long-term finance purchases and IKEA card swipe transactions over $250.
  • 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.

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 19.82% p.a. according to RBA data.

Compare other credit cards with instalment plans

1 - 17 of 17
Name Product Purchase rate p.a. Balance transfer rate p.a. Annual fee
Qantas American Express Ultimate Card
23.99%
$450
Get 60,000 bonus Qantas Points when you spend $3,000 in the first 3 months. Plus, a yearly $450 Travel Credit.
Westpac Low Rate Card - Cashback Offer
13.74%
$59
A no-frills card offering up to $350 cashback: $50 each month you make at least $1,000 of eligible purchases for the first 7 months.
Westpac Low Rate Card
13.74%
0% for 28 months, then 21.49%
$59
Save with a 0% p.a. interest rate on balance transfers for 28 months. Plus, a low 13.74% p.a. purchase interest rate.
Qantas Premier Platinum
19.99%
0% for 12 months, then 21.99%
$349 first year ($399 after)
Earn up to 80,000 bonus Qantas Points. Plus, save with a reduced first-year annual fee and 0% p.a. for 12 months on balance transfers.
American Express Explorer Credit Card
23.99%
$395
Get 50,000 bonus Membership Rewards Points when you spend $4,000 in the first 3 months.
Qantas American Express Discovery Card
23.99%
$0
Earn uncapped Qantas Points for every $1 dollar spent, plus an ongoing $0 annual fee.
American Express Platinum Edge Credit Card
23.99%
$0 first year ($195 after)
Save with a $0 annual fee in the first year. Plus, $200 travel credit every year.
American Express Velocity Escape Card
23.99%
$0
Save with an ongoing $0 annual fee and earn 0.75 Velocity Points per $1 on everyday purchases.
American Express Essential Credit Card
18.99%
$0
Get up to 1.25 Membership Rewards points per $1 on eligible spending and an ongoing $0 annual fee.
American Express Low Rate Credit Card
10.99%
$0
Offers a low ongoing interest rate of 10.99% p.a. and a $0 annual fee. Plus, complimentary purchase cover.
Qantas American Express Premium Card
23.99%
$249
Get 30,000 bonus Qantas Points and 2 complimentary Qantas Club lounge invitations per year, plus complimentary travel insurance.
St.George Amplify Signature
19.49%
0% for 24 months with 1% balance transfer fee, then 21.49%
$199 first year ($295 after)
150,000 bonus Amplify Points (worth $675 in gift cards) when you spend $12,000 in the first 12 months. Plus, a first-year annual fee discount.
Westpac Altitude Black
19.99%
$150 first year ($295 after)
Earn up to 150,000 bonus Altitude Rewards Points (100k when you spend $6,000 in the first 120 days and 50k in year 2).
American Express Velocity Platinum Card
23.99%
$375
Get 60,000 bonus Velocity Points when you spend $3,000 in the first 3 months. Plus a return domestic flight each year.
Latitude 28° Global Platinum Mastercard
26.99%
$0
Save with 0% international transaction fees on purchases. Plus, complimentary Flight Delay Pass and global data roaming.
St.George Vertigo Card - Cashback Offer
13.99%
6.99% for 12 months, then 21.49%
$55
Get up to $400 cashback at eligible supermarkets and petrol stations in the first 180 days. Plus, a low interest rate for purchases.
Citi Rewards Card - Purchase and Balance Transfer Offer
0% for 12 months, then 21.49%
0% for 12 months, then 22.24%
$199
Save with 0% p.a. on purchases and balance transfers for 12 months with no balance transfer fee.
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Amy Finder

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Avatar

Kylie

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


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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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Suresh

July 11, 2023

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


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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: https://www.finder.com.au/credit-cards/balance-transfer-credit-cards


Hope this helps,


Elizabeth


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allix

February 22, 2023

Hi,


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

Regards,

Amy


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Sandeep

November 15, 2021

Hi

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


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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.


Chris.


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Paul

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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