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        Humm90

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        2. Finance
        3. humm90

         

        BAG IT WITH HUMM90.

        Like to pay your purchase off over time? humm90 is the Long Term Interest
        Free finance Mastercard® that you can also use to save interest every day.

        Apply Now

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        APPLY.

        Apply online in minutes (you’ll need to be over 18, a permanent Australian resident and earning over $25,000 p.a.).

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        ACCEPT.

        Upon approval, you’ll receive an SMS with important information about your humm90 account and a 4 digit code to accept.

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        AUTHORISE.

        To authorise the purchase, you’ll need to enter the second 4 digit code SMSed to you.

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        ENJOY.

        Enjoy your purchase! You’ll receive a welcome pack with your card within 10 days and monthly statements showing the minimum payment and due date.
        Apply Now

        Once approved, you’ll receive a humm90 Mastercard with
        // A POWER STACK OF MONEY SAVING FEATURES

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        MAX INTEREST FREE.

        Get up to 110 Interest
        Free days1 on every tap,
        wherever, whenever and
        whoever you shop with.

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        HUMM90//WRAP.

        Wrap purchases of $250
        or more into an Interest
        Free instalment plan for
        a small fee2.

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        LONG TERM INTEREST FREE FINANCE.

        Get Long Term Interest
        Free finance3 with key
        retail partners.

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        ZERO FEES OVERSEAS.

        Shop all around the
        world with no foreign
        exchange fees.

        // RATES & FEES.

        $9.95

        per month¹.

        0%

        interest for up to 110 days on purchases¹ (26.30% thereafter).

        0%

        Interest on humm90/WRAP. repayment plans for up to 15 months2.

        0%

        Interest on Long Term Interest Free finance³ at key retail partners including Stratco.
        Apply Now

        Terms & Conditions

        1. Approved applicants for a humm90 Mastercard credit card only. Fees and charges apply, including a $99 annual fee that applies on account opening. Applicants who enter into their Credit Contract on or after 1 October 2024 will be charged a monthly fee of $9.95 instead of an annual fee, and existing customers will be transitioned on a rolling basis. T&Cs and minimum finance amount applies. For Long Term Interest Free purchases: Minimum monthly payments must be made by the due date each month, otherwise interest at the humm90 Expired Promotional Rate (currently 26.49%) applies. For other purchases: Up to 110 days interest free and payment holiday can apply (excluding purchases we treat as cash advances), after which minimum monthly payments are required. Interest at the humm90 Purchase Rate (currently 26.30%) applies if purchase amount is not repaid within Interest Free Period or if other Interest Free Criteria are not met. All fees, charges and interest rates are current as at June 2024 and subject to change - see humm90.com/au. Credit provided by humm Cards Pty Ltd ABN 31 099 651 877 Australian Credit Licence number 247415.
        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 humm90 Purchase Rate, currently 26.60% 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.
        3. Maximum interest free period to approved applicants only. Interest free arrangements have fees and charges. Fees, charges apply, including a $99 annual fee that applies on account opening. Applicants who enter into their Credit Contract on or after 1 October 2024 will be charged a monthly fee of $9.95 instead of an annual fee, and existing customers will be transitioned on a rolling basis. T&Cs and minimum finance amount applies. For Long Term Interest Free purchases: required payments must be made by the due date each month, otherwise interest at the humm90 Expired Promotional Rate (currently 26.49%) applies.

        All fees, charges and interest rates are current as June 2024 and subject to change. See humm90.com/au. Credit provided by humm Cards Pty Ltd ABN 31 099 651 877 Australian Credit Licence number 247415.

        Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated