- Up to 110 days interest-free on purchases (excluding cash advances). Minimum monthly repayments required
- Up to 60 months Long Term Interest Free finance at key retail partners (Freedom Kitchens, Bing Lee, Flight Centre, Michael Hill and more)
- Convert humm90 Mastercard purchases of $250 or more to an Interest Free Instalment Plan with humm90WRAP. Fee applies
- Pay no foreign transaction fees for purchases made overseas or online
- Enjoy Brand Crush weekly 10% cashback on eligible purchases. T&Cs apply
- Complimentary Mastercard Purchase Protection Insurance and Price Protection Insurance on eligible humm90 purchases
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humm Credit Cards
humm90 Mastercard
Updated 20 January 2022
The humm90 Mastercard’s offers long term interest-free finance at retail partners and up to 110 days interest free on everyday purchases plus, 0% foreign transaction fees for purchases made overseas and online. T&Cs apply.
Purchase Rate (p.a)
23.99%
Balance Transfer (p.a)
N/A
Annual Fee (p.a)
$99
Pros and cons
- Any outstanding balance after the interest free period reverts to high purchase and cash advance interest rates
Creditcard.com.au review
Editor Review
humm90 Mastercard
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt Ask Pauline a Question about this card.
humm90 Mastercard
The humm90 Mastercard is the new Skye Mastercard rebranded. If used right you can enjoy up to 110 days interest free and up to 60 months interest free terms with key retail partners.
What we love...
If you are looking for interest free options, the humm90 Mastercard offers a few ways to do this. It offers up to 110 days on purchases (excluding cash advances) when you meet the Interest Free Criteria of required payments. If you don't make the required payments, all new transactions from that day will be interest bearing from the date of the transaction. The interest rate is 23.99% p.a. on purchases so it is important you stay on top of the repayments.
Selected retailers offer up to 60 months interest free with the humm90 Mastercard. Some key retailers are Freedom Kitchens, Bing Lee, Flight Centre, and Michael Hill. With this option, you have to make minimum monthly repayments and can also make extra repayments to pay it off within the interest free term.
You can also convert big ticket purchases of $250 or more to an instalment plan of your choice (9, 12, or 15 equal monthly instalments) with humm90WRAP feature. Be aware that this comes with a small fee and the 23.99% p.a. on purchases will also apply to any overdue amount. Make sure you don't miss your monthly payments and pay your bill on time so you can fully enjoy this money-saving feature.
Selected retailers offer up to 60 months interest free with the humm90 Mastercard. Some key retailers are Freedom Kitchens, Bing Lee, Flight Centre and Michael Hill. With this option you have to make minimum monthly repayments and can also make extra repayments to pay it off within the interest free term.
Making purchases overseas or online are not charged a foreign transaction fee. This is great if you shop online at overseas sites.
What's not so great...
Put simply, the interest rate on purchases. At 23.99% p.a. it is in the highest bracket. With an interest rate like this, you need to make your repayments on time and should never run a balance on the card.
Why should you choose this card?
If you are looking for a wide variety of interest free shopping options, this card could be for you. Provided that you make repayments on time before interest is charged.
Apart from interest free options, the humm90 Mastercard offers no international transaction fees on purchases made overseas or online at international retailers.
Overall rating
The humm90 Mastercard comes with interest free terms, a long 0% p.a. balance transfer offer, no international transaction fees, and an annual fee of $99.
User reviews
Rates and fees
Interest rates
Purchase rate 23.99% p.a.
Cash advance rate 25.99% p.a.
Interest free period on purchases up to 110 days
Credit limits
Minimum credit limit $1000
Maximum credit limit $50,000
Fees & repayments
Annual fee $99 p.a.
Additional cardholder fee $10
Foreign transaction fee 0%
Minimum repayment 3% or $30 (whichever is greater)
Cash advance fee $3 or 3% (whichever is greater)
Late payment fee $35
Additional features
Complimentary insurance
International Travel Insurance No
Flight Inconvenience Insurance No
Transit Accident Insurance No
Smartphone Screen Insurance No
Purchase Protection Insurance Yes
Extended Warranty Insurance No
Rental Vehicle Excess In Australia Insurance No
Extras
Price Protection Insurance
Overview
humm90 Mastercard
Key features
- Up to 110 days interest-free on purchases (excluding cash advances). Minimum monthly repayments required.
- Up to 60 months Long Term Interest Free finance at key retail partners (Freedom Kitchens, Bing Lee, Flight Centre, Michael Hill and more)
- Pay no foreign transaction fees for purchases made overseas or online
- $99 annual fee
- Convert humm90 Mastercard purchases of $250 or more to an Interest Free Instalment Plan with humm90WRAP. Fee applies.
- Enjoy Brand Crush weekly 10% cashback on eligible purchases. T&Cs apply
- Complimentary Mastercard Purchase Protection Insurance and Price Protection Insurance on eligible humm90 purchases
Minimum criteria to apply for this card
-
Be over 18 years old
-
Good Credit and have not applied for multiple credit cards recently
-
You must be a permanent Australian resident
-
Minimum income of $25,000 p.a.
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger
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