humm90 Mastercard

Get long-term interest-free offers and 0% foreign transaction fees, but watch out for the purchase interest rate.

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

23.99% p.a.

Purchase rate

$99 p.a.

Annual fee

110 days

Interest free period

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Product Namehumm90 Mastercard
Purchase rate23.99% p.a.
Annual fee$99
Interest-free periodUp to 110 days on purchases
Cash advance rate25.99% p.a.
Min credit limit$1,000
Max credit limit$50,000
Card typeMastercard
Foreign currency conversion fee0%
Minimum income$25,000
Available to temporary residentsNo
Joint applicationYes - Conditions apply


  • 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


  • Very high interest rates on purchases and cash advances when promotional rates expire
Bonus pointsN/A
Annual fee$99
Minimum monthly repayment3% of the closing balance or $30, whichever is greater
Late payment fee$35
Foreign currency conversion fee0%
Cash advance fee3% or $3, whichever is greater
Overseas cash advance fee3% or $3, whichever is greater
Overseas ATM withdrawal fee$0
Additional cardholder fee$10
Number of additional cardholders4

Review by

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. So, if you think you might 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.

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

  • 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.

Rates &a 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.

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    Default Gravatar
    November 15, 2021

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

      Avatarfinder Customer Care
      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.


    Default Gravatar
    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?

      Default Gravatar
      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.

    Default Gravatar
    October 5, 2018

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

      Avatarfinder Customer Care
      October 5, 2018

      Hi Samantha,

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

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