humm90 Mastercard – Balance Transfer Offer

Offers a long 0% balance transfer offer for 36 months with no balance transfer fee, but watch out for the revert rate.

If you're paying interest on your credit card debt, this offer could give you the breathing room you need to pay it off faster, and for less. Apply by 10 October 2021 and you’ll get a 0% p.a. interest rate on balance transfers for up to 36 months with no balance transfer fee. This is one of the longest balance transfer periods on the market right now, but keep in mind that at the end of the introductory period, a high 25.99% p.a. interest rate applies to any balance transfer debt you’re still paying off.

No reviews yet. Write a review

0% p.a.

Balance transfer rate

for 36 months

23.99% p.a.

Purchase rate

$99 p.a.

Annual fee

110 days

Interest free period

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!


Product Namehumm90 Mastercard - Balance Transfer Offer
Balance transfer rate0% p.a. for 36 months
Balance transfer revert rateBalance Transfer Revert Rate (25.99%)
Balance transfer limit90% of available limit
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


  • 0% p.a. on balance transfers for up to 36 months (with no BT fee)
  • 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 offers 3 years interest-free on balance transfers with no balance transfer fee. As an example, if you had a $5,000 balance currently being charged 20% p.a. interest, you could make monthly payments of about $148 and pay off the entire debt with $0 in interest during the 36-month period. This would ultimately save you about $2,437 in interest costs.

You also get 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.

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

  • Balance transfer debt. You can transfer up to 90% of your available credit limit from non-humm Group credit cards. You must request the balance transfer within 30 days of account opening.
  • Minimum income. You must earn at least $25,000 to apply for this card.

Card benefits

  • 0% interest on balance transfers for up to 36 months with no balance transfer fee. You must apply by 10 October 2021 and request the balance transfer within 30 days of account opening. At the end of the introductory period, any unpaid balance will begin to accrue interest at the 25.99% p.a. interest rate. Heads up that you do not request the balance transfer during the application process. Once you're approved, you'll receive a Customer ID that you can use to log-in online or through the humm app and make the request.
  • 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 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.

Ask an expert

To ask a question simply log in via your email or create an account.

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.
Go to site