humm Credit Cards

Updated 6 April 2021

With a presence in Australia, New Zealand and Ireland, humm90 (formerly known as FlexiGroup) is a financial services provider that offers a range of finance products and payment solutions to consumers and businesses via a network of retail and business partners. Within its range is the humm90 Mastercard, a card that provides a selection of interest-free options, backed by advanced security and support.

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humm90 Mastercard

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Who are humm?

While you may not have come across humm before, it is a company formerly known as Flexigroup with an established presence both in Australia and overseas. humm is a provider that focuses on providing innovative finance products, such as interest-free cards and no-interest-ever payment plans.

Who is humm?

humm works with more than 14,000 partners across Australia, including Harvey Norman, IKEA, AGL Solar, Escape Travel, Apple Resellers and Fantastic Furniture.

humm Credit Cards

Providing an alternative to the big four, humm offers a range of enticing features within the humm90 Mastercard. A great option for cardholders looking for ways to save on interest, humm90 Mastercard provides three distinct interest-free options, with 110 days interest-free on purchases, and longer term options and Long Term Interest Free plans.

humm90 Credit Card Features

In terms of features, humm90 Mastercard keeps a definite focus on interest. This is a shopper’s credit card, designed to allow cardholders to save on interest with each and every purchase. Unlike cards with 0% purchase offers, which allow for interest savings during an introductory period only, humm90 Mastercard can offer a way cardholders can continue to save on interest in the longer term.

110 Days Interest Free

Many credit cards offer interest free periods, usually ranging from 44 days to 55 days. The length of this interest free period will vary depending on the date on which the purchase is made, and how far through the statement period it is. This interest free period is often only available to cardholders who clear their balance month-to-month by the due date.

Designed to offer extended savings on interest, humm90 Mastercard provides 110 days interest free on every card purchase. Of course, this doesn’t include cash advances. However, it can give cardholders a decent amount of time to pay off each purchase before it starts accruing interest. If there is a balance remaining after 110 days, it will attract the card’s standard purchase rate.

Long Term Interest Free

Another option designed to offer interest-free savings over the longer term is humm90 Mastercard’s Long Term Interest Free plan. A handy option for more expensive big ticket items, this allows you to purchase items at partner retailers, to then enjoy interest-free terms ranging from 6 to 60 months.

In terms of repayment options, you can set up equal monthly repayments to pay off the purchase within the interest-free period, or you can choose to make minimum monthly repayments plus extra repayments at any time. Interest is only applied to any balance remaining at the end of the interest-free term.

Regardless of the repayment option you choose, you can repay extra at any time, and you can pay off the total amount at any time with no penalty. Application is easy too. You can apply instore, or you apply online before you head to the shops.

No Foreign Transaction Fees

With its humm90 Mastercard, humm provides cardholders the opportunity to save on fees, with no international transaction fees on purchases made overseas or online at international retailers.

Some credit cards charge up to 4% of the transaction amount on each foreign currency transaction. So, humm90 Mastercard has the potential to save cardholders a significant amount of money, especially if they travel overseas on a regular basis, or shop online at overseas merchants.


One thing many cardholders worry about is security. This is one reason why so many Aussies opt for the big banks, as they believe they offer more security. However, just because humm is not one of the big banks, does not mean its cards are any less secure.

humm90 Mastercard offers all the security features offered on any other provider’s branded Mastercard. These include Mastercard SecureCode and Mastercard Zero Liability. On top of that, cardholders have access to Mastercard Global Service, which offers 24/7 assistance for lost or stolen cards, emergency card replacement and emergency cash advance.

But, humm90 Mastercard goes one step further. As the first card in Australia to offer Motion Code technology, humm90 Mastercard steps up security, creating an ever-changing 3-digit security code (CVV) to replace the static code usually printed on the back of the card.

That CVV is one of the security features used to prevent card fraud, but, once it ends up in the wrong hands, there is nothing to stop it from being used again and again. However, with a mini-screen on the back of the card, humm90 Mastercard refreshes the CVV every hour to a new random code. As dynamic data, it becomes rapidly unusable.


Another reason cardholders choose big banks is for the service and support on offer. They know they can rely on that support should they need it. However, humm90 Mastercard cardholders not only benefit from Mastercard support, they can also benefit from 24/7 account access. Making it easy to track card use and keep on top of repayments.

Why should you choose humm90 Mastercard? With a great range of features, humm90 Mastercard could be the perfect choice for you. Let’s take a look at what it could offer.

  • You can save on interest

Offering a range of flexible interest-free options offered over the long term and the short term, humm90 Mastercard could help you save big on interest on your purchases.

  • You can enjoy the benefit in the long term

When you apply for a card simply for its 0% purchase offer, you only have access to interest-free shopping for that limited introductory period. With humm90 Mastercard, you can benefit from interest-free savings on all your purchases, with three flexible options to choose from.

  • You can save on foreign transaction fees

Foreign transaction fees can really stack up when you’re overseas or shopping online. With humm90 Mastercard, you will pay no foreign transaction fees, helping you save while travelling, and when shopping online at international retailers.

  • You can enjoy peace of mind

While it may not have one of the big banks’ brands on the front, humm90 Mastercard is backed by Mastercard security features as standard, while also offering additional protection in the form of Motion Code technology.

Obviously, there is no such thing as the perfect credit card. It’s up to each cardholder to compare the features on offer, to then decide which card would work best for them. So, with that in mind, let’s take a look at some points to be aware of when assessing humm90 Mastercard.

  • High Standard Interest

If you don’t repay your purchase before the interest-free period ends, it will attract the card’s high purchase rate. If you take advantage of a promotional interest rate and fail to repay your purchase within the promotional period, it will attract an even higher ‘expired promotional rate’.

  • Organisational Skills Required

As the focus on humm90 Mastercard is interest-free shopping, it’s best to make sure all purchases are paid off before the interest-free period ends. That means being organised enough to track payments to know when they need to be paid off, to then be able to stick to a workable repayment plan.

  • No Rewards

humm90 Mastercard is not a rewards card, so cardholders cannot earn rewards on their spending. However, many cardholders will enjoy the benefits of saving on interest, which could more than make up for the lack of rewards.

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4 questions (showing the latest 10 Q&As)



8 April 2021
Can you let me know underwrites FlexiCard - like Courtney I have had a request come through Equifax for a CC with Flexicard that I did not apply for and I am trying to contact them but a google search does not provide any details for "Flexicard Australia". Any help would be appreciated
    Roland B Bleyer - Founder


    8 April 2021
    Hey Greg, Flexicard underwrote Skye Mastercard, Once credit cards and Lombard credit cards. They have since re-branded to HUMM and issue the humm90 credit card. I hope that helps.


25 February 2021
Hi Roland, I have been targeted for Identity fraud in 2019 with a stolen passport, and have noticed a credit check on my file for Flexicards Australia that I did not apply for in November 29 2019. Who can I speak to to get this amended? Look forward to hearing from you.
    Roland B Bleyer - Founder


    25 February 2021
    Hi Courtney, you'll have to follow-up with both Flexicards and the Credit Reporting Bureau to have the error investigated and your credit file amended. The two largest credit bureaus in Australia are Equifax and Experian.
Christopher Jarrett

Christopher Jarrett

11 February 2021
I cancelled my card and still getting statements asking for payment
    Roland B Bleyer - Founder


    12 February 2021
    Hi Christopher, is a comparison website and we are not affiliated with Humm. The first step to take is to check your account and make 100% sure that you've paid off your entire balance, including any late fees or additional charges. And then if there are any outstanding, pay them off. Even though you've cancelled the card, you're still responsible for the account. If you've paid off your account in full and are still getting statements, you can give Humm a call at 1300 115 533 or send them an email to rectify the situation.
Gulsah gurkan

Gulsah gurkan

22 January 2021
I have a fraud enquiry under my name.
    Roland B Bleyer - Founder


    25 January 2021
    Hi Gulsah, you will need to reach out to Humm directly in regards to any issue.
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