humm90 Mastercard

Last updated: Jan 6, 2021

Enjoy long-term interest-free offers on purchases and 0% foreign transaction fees with the humm90 Mastercard.

The humm90 Mastercard (formerly Skye Mastercard) offers up to 110 days interest-free on everyday purchases, and 9-, 12- or 15-month 0% interest instalment plans for purchases of at least $250 or those made with selected retailers. Plus, other interest-free offers at selected retail partners. 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.

23.99% p.a.

Purchase rate

$99 p.a.

Annual fee

110 days

Interest free period

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Details

Product Name	humm90 Mastercard
Purchase rate	23.99% p.a.
Annual fee	$99
Interest-free period	110 days
Cash advance rate	25.99% p.a.
Min credit limit	$1,000
Max credit limit	$50,000
Card type	Mastercard
Foreign currency conversion fee	0%

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

Pros

Up to 110 days interest-free period on everyday purchases
Ability to convert large purchases into 9-, 12- or 15-month 0% p.a. instalment plans
0% foreign transaction fees on online and overseas purchases

Cons

Very high interest rates on purchases and cash advances when promotional rates expire

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

Expert review

Review by

Amy Bradney-George

amy.bradney-george@finder.com

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The humm90 Mastercard gives you different interest-free options depending on how you use this credit card. For everyday purchases, you can get up to 110 days interest-free. This is much longer than the 55 days offered by many other cards but its 23.99% p.a. purchase rate is also significantly higher than most cards on the market. If you know you'll pay the balance before the due date, this could be a great option. However, if you think you might carry a balance from month to month, you may want to consider a lower rate credit card.

If you're spending more than $250 in one go, the humm90 Mastercard also offers 9-, 12- or 15-month interest-free payment plans that you can request within 30 days of the purchase. Known as humm90WRAPs, 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. As well as instalment plans, the humm90 Mastercard offers interest-free plans for a range of retail partners including Flight Centre, IKEA and Maven Dental Group. Just be aware that details can also vary depending on the retail partner and an expired promotional rate of 25.99% p.a. applies if you don't meet the repayments – so make sure you go through all the details before signing up.

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.

Credit history. You should only apply for this card if you have clean credit file without any black marks (such as defaults or previous bankruptcy listings). You can check your credit score for free through Finder.
Age. You must be at least 18 years old to apply.

Required documents

Personal information. This includes your full name, date of birth, residential address, email address and phone number.
Identification. You'll need to provide details of your Australian driver's licence, Medicare card or Australian passport to help verify your identity.
Employment details. This includes your current position at work, your salary and your employer's contact details. You'll also be asked to provide a recent bank statement to help verify your income. You can do this by emailing humm after submitting the application or by securely signing into your bank account during the application.
Financial details. As well as your salary, you'll need to share details of any other forms of income and assets such as savings. You'll also need to include details of any existing debts, such as loans or credit cards as well as estimates of everyday expenses such as rent and bills.

Card benefits

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 charges a 0% foreign transaction fee when you're travelling overseas or shopping online with an international retailer.

Interest-free instalment plan options. The humm90 Mastercard offers interest-free instalment plans of 9-, 12- and 15-months for purchases of $250 or more – known as humm90WRAP. These instalment plans attract an establishment fee as a percentage of the purchase amount (3% for a 9-month plan, 4% for a 12-month plan and 5% for a 15-month plan). This card also offers interest-free instalment plans of different lengths at partner retailers.
Mobile payment technology. You can easily make payments upon check out using an eligible device if you register this card to your Apple Pay wallet.

Rates & fees

Annual fee. This card charges an annual fee of $99.
Purchase rate. The standard purchase rate is 23.99% p.a. This means interest charges will quickly add up if you don't pay off purchases within the 110 interest-free days.

Cash advance rate. The humm90 Mastercard has a cash advance interest rate of 25.99% p.a. This rate applies to both cash advance transactions and cash withdrawals from the date they are made.
Cash advance fee. If you use this credit card for a cash advance transaction, you'll be charged a cash advance fee of 3% or $3 (whichever is greater).
Promotional rates. Occasionally, humm may offer you a promotional interest rate for certain transactions or for a specific period of time. When that's the case, the promotional rate will apply for spending that meets the terms and conditions of the offer.
Payment handling fee. A fee of $0.95 applies each time you make a payment to the account via BPAY.
Additional cardholder fee. Request up to 4 additional cardholders added to your humm90 Mastercard account for $10 per card.
Instalment payment plan fee. If you request a humm90WRAP instalment payment plan, you'll be charged a fee that's calculated as a percentage of the total amount payable on the card purchase selected (3% for a 9-month plan, 4% for a 12-month plan and 5% for a 15-month plan).

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5 Comments

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?

Nikki
May 16, 2019

Hi Paul,

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

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.

Hope this was helpful. Don’t hesitate to message us back if you have more questions.

Best,
Nikki

Dan
January 16, 2019

Hi, just some comments not a question on skye mastercard.
I’ve had mine for almost a month.
They charge a fee for making repayments, it was $0.95 on a $99 repayment!

Also Skye were unable to tell me what retailers I can use it at when asked on 2 separate occasions, they just pointed to the website which as far as I can tell does not list any retailers. I joined skye because it is Ikea’s preferred card. Ikea may accept their older interest free provider, HSBC, but ask the checkout supervisor.

samantha
October 5, 2018

Can i pay for accommodation on my skye master card?
(thats not threw flight center?)

finder Customer Care

John
October 5, 2018

Hi Samantha,

Thank you for leaving a question.

Yes you may use the Skye Mastercard as long as the merchant you are transacting with accepts payments through Mastercard. Hope this helps!

Cheers,
Reggie

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humm90 Mastercard