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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.

With the humm90 Mastercard, other interest-free options include payment plans of 9-, 12- or 15-months for purchases of $250 or more and long-term interest-free (LTFI) plans for up to 60 months for retail partners including Flight Centre and IKEA. Just be aware that details can also vary depending on the retail partner – so make sure you check before signing up.

Pros

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

Cons

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

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

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 a 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

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.

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).
Long-term interest-free offers. This card gives you access to exclusive interest-free offers for up to 60 months, with partnered brands including Flight Centre and IKEA. Known as LTIF, you can see current offers on the humm90 website.
Mobile payment technology. You can easily make payments upon check out using an eligible device if you register this card to your Apple Pay, Google Pay, or Garmin Pay wallet.

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 20.07% according to RBA data.

Cash advance rate. The humm90 Mastercard has a cash advance interest rate of 25.99% p.a. This rate applies to 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 $30 (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. You can request up to 4 additional cardholders linked to your humm90 Mastercard account. Each additional card attracts a $10 annual fee.

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Amy Finder

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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

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

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.

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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humm90 Mastercard

Pros

Cons

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Eligibility criteria

Required documents

Card benefits

Rates & fees

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