Looking for a new credit card before the New Year? Make sure to check out this special holiday offer on the humm90 Platinum Mastercard.
Sponsored by humm90. Apply for the humm90 Platinum Mastercard, be approved and spend $3,000 on eligible purchases within the first 60 days to get $300 back^!
The 12 days of Holiday Offers are here at Finder! Today, for day 4, we're taking a look at credit cards. We've got a great offer from humm90 – as well as some tips on what features to look for in a new credit card.
4 things to consider before choosing a credit card
If you're considering a new credit card, it's important to take a look at what sort of features that card offers. Today, we're taking a look at 4 key considerations.
👋 Hey there! We've partnered with humm90 for this article. So we'll be using the humm90 Platinum Mastercard as an example throughout. However, you should always do your own research. Make sure to read the product T&Cs before you sign up for any financial product.
1. Cashback offers
Some credit cards will offer cashback, either at time of sign-up or throughout the lifetime of the card.
Taking advantage of offers like this can be a great way to make savings – especially when it comes to the holiday period, when expenses may be higher than usual.
2. Interest-free period
When used carefully, interest-free periods on credit cards can be an effective way to space out repayments on the purchases you've made with your card.
Now, most cards have an interest-free period of about 55 days. However, some offer longer periods, which can allow for effective household budgeting and allow for more time to pay off larger purchases.
The humm90 Platinum Mastercard is one card with an extended interest-free period of up to 110 days. Like most credit cards, you need to pay the total amount on your statement by its due date to avoid interest.
🎁Holiday offer! Get $300 back when you spend $3,000 on eligible purchases within your first 60 days^🎁
Apply for the humm90 Platinum Mastercard, be approved and spend $3,000 on eligible purchases within the first 60 days to get $300 back^! With up to 110 days interest-free¹ (double the Interest Free days of most credit cards), humm90 can be a great way to keep a lid on Chrissy costs. Learn more
3. Instalment plans
Some credit cards have instalment plans that allow you to pay off purchases over a set period of time, with fixed repayments and reduced or no interest.
These can act as extended interest-free periods. Other admin charges may apply; however, they can be significantly less than the associated interest would be.
4. Fees on overseas purchases
With so much Christmas shopping being done online – and items often being shipped from overseas – these days, it's important to look for a card that helps cut down on the associated costs.
Opting for a card that doesn't charge fees on international purchases can help you save in comparison to cards that do, sometimes up to 2-3%.
Take advantage of the humm90 holiday offer today!
humm90 Credit Card Offer
humm90 Platinum Mastercard
Get $300 back
Offer ends 31 December 2023
Eligibility criteria, terms and conditions, fees and charges apply
humm90 Credit Card Offer
$300 back when you spend $3000 on eligible purchases within your first 60 days^
$300 back
Up to 110 days interest-free on purchases1 | | $99 annual fee
Convert it to an Interest Free instalment plan, then pay it off gradually over up to 15 months2
^New and approved applicants only who have applied for, been approved and opened a new humm®90 Platinum Mastercard® account between 12:00am AEDT on 20/11/2023 and 11:59pm AEDT on 31/12/2023 ("Application Period"). Applicants need to apply via the campaign landing page https://www.humm90.com/au/promotion/get300ah9015 during the Application Period and use the promo code 'GET300' in the promo field on the first page of the application.
$99 annual Account Fee, Fees, terms, and conditions apply. $99 annual Account Fee is charged on humm90 Account opening date and annually thereafter; which attracts interest (charged at the humm90 Purchase Rate, currently 25.80% p.a) from the date charged unless fully paid within Interest Free Period and the Interest Free Criteria are met. Minimum monthly repayment required.
This offer ("Spend Back Offer") is not transferable and is limited to one Spend Back Offer per humm90 Account. To be eligible to redeem the Spend Back Offer, the cardholder must spend $3,000 or more using their humm90 Platinum Mastercard on eligible card spend transactions within 60 days of their humm90 Account opening date ("Offer Period"). Eligible card spend transactions do not include cash advances, balance transfers, Long-Term Finance purchases, IKEA card swipe transactions over $250, Electronic Funds Transfer (EFT) & BPAY Online payments. Transactions may take up to 3 days to clear. Any transactions made during the Offer Period which are refunded will be disqualified for the purposes of the Spend Back Offer.
Humm Cards Pty Ltd may change, withdraw or end this offer at any time. If (i) all of the above-mentioned conditions are met and sufficient, non-disqualified eligible card spend transactions are entered into within the Offer Period and (ii) the relevant humm90 Account is not in default or arrears (and was not in default or otherwise in arrears during the Offer Period), $300 will be credited to the relevant humm90 Account within 30 days of the Offer End Date. A minimum monthly repayment of the outstanding balance is required regardless of applicable Interest Free Periods. Interest is payable on any remaining balance outstanding after the Interest Free Period. See www.humm90.com/au/important-information/ for current rates.
1. Up to 110 days Interest Free on humm90 Mastercard purchases (excluding cash advances) when you meet the Interest Free Criteria. Failure to make the required payments will result in you no longer meeting the Interest Free Criteria meaning that all new transactions from that day will be interest bearing from the date of the transaction. Any outstanding balance after the Interest Free Period reverts to the humm90 Purchase Rate, currently 25.80% p.a. and subject to change. Minimum monthly repayment required.
2. humm90WRAP allows you to convert humm90 Mastercard purchases of $250 or more to an Interest Free Instalment Plan. A fee applies, calculated as a percentage of the total amount payable on the card purchase selected. Total amount payable by 9, 12 or 15 equal monthly instalments, in addition to the minimum monthly repayment. If you fail to pay a fixed monthly instalment, interest (calculated at the Expired Promotional Rate, currently 25.99% p.a.) is payable on that outstanding amount. Conversion to a humm90WRAP must take place within 30 days of eligible transaction. An eligible transaction does not include cash advances, balance transfers, interest, fees, charges, or commissions. All transactions converted to a humm90WRAP cannot make up 80% or more of your available credit limit.
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Sponsored by humm90. Apply for the humm90 Platinum Mastercard, be approved and spend $3,000 on eligible purchases within the first 60 days to get $300 back^!
🎁Holiday offer! Get $300 back when you spend $3,000 on eligible purchases within your first 60 days^🎁
