- Up to 110 days interest-free on eligible everyday purchases (excluding cash advances), subject to the Interest Free Criteria
- Long-term interest-free offers at selected retail partners
- Convert eligible purchases of $250 or more into interest-free instalment plans; establishment fees apply
- No international transaction fees on overseas and online purchases
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humm Credit Cards
humm®90 Platinum Mastercard
Updated 14 October 2026
Save with humm®90 Platinum Mastercard’s long-term interest-free offers at selected retail partners and up to 110 interest-free days on eligible everyday purchases. Pay no international transaction fees on overseas and online purchases. A $9.95 monthly account fee applies from account opening.
Interest Free Criteria, other fees and terms and conditions apply.
Purchase Rate (p.a)
27.30%
Annual Fee (p.a)
$119.40
Pros and cons
- 27.30% p.a. purchase interest rate applies to outstanding balances after the interest-free period, or when the Interest Free Criteria are not met
- Expired promotional rate of 28.99% p.a. applies where relevant
- $9.95 monthly account fee applies from account opening ($119.40 over 12 months)
- $0.95 fee for BPAY repayments
Creditcard.com.au review
Editor Review
humm®90 Platinum Mastercard
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.
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humm®90 Mastercard
The humm®90 Platinum Mastercard offers up to 110 days interest-free on eligible everyday purchases and long-term interest-free offers of up to 60 months with selected retail partners. A $9.95 monthly account fee applies from account opening, equivalent to $119.40 over 12 months. Other fees, Interest Free Criteria and T&Cs apply.
What we love...
The humm®90 Platinum Mastercard is a great choice for savvy shoppers who love flexibility and interest-free payment options. It gives you multiple ways to shop smarter and manage your spending efficiently.
You can get up to 110 days interest-free on eligible everyday purchases, excluding cash advances, when you meet the Interest Free Criteria. The period varies with purchase timing in your statement cycle. Pay at least the ‘Alternative repayment to reduce interest’ shown on each monthly statement by the due date. Paying only the minimum monthly payment may not preserve interest-free eligibility. The 27.30% p.a. purchase rate applies to outstanding amounts after the interest-free period or when the Interest Free Criteria are not met.
Even better, you can access up to 60 months interest-free at selected major retailers such as Flight Centre, IKEA, and Nick Scali. Just make the minimum monthly repayments, or pay more to clear your balance faster—the choice is yours.
For eligible purchases of $250 or more, humm90WRAP lets you convert them into instalment plans of 9, 12 or 15 months. Establishment fees are 3%, 4% or 5% of the purchase price respectively. Conversion must occur within 30 days of the transaction and is subject to eligibility and credit-limit conditions. Missed instalments attract interest at the expired promotional rate.
A standout perk — $0 foreign transaction fees — makes this card a solid companion for online shoppers and travellers who frequently buy from overseas sites.
What's not so great...
The purchase interest rate is 27.30% p.a. The monthly account fee is $9.95 from account opening. Cash advances attract 28.99% p.a. from the transaction date, plus the higher of $3 or 3% of the cash advance. The expired promotional rate is 28.99% p.a. where applicable.
Why should you choose this card?
If you want flexible interest-free shopping options and no international transaction fees, the humm®90 Platinum Mastercard may be worth considering. Compare its monthly fee and other charges, and check that you can meet the Interest Free Criteria and any instalment repayments.
Overall rating
The humm®90 Platinum Mastercard combines extended interest-free options with no international transaction fees. Its value depends on meeting repayment conditions and weighing the $9.95 monthly account fee and other charges against the benefits you use.
User reviews
Rates and fees
Interest rates
Purchase rate 27.30% p.a.
Cash advance rate 28.99% 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 $119.40 p.a.
Additional cardholder fee $10 p.a. per additional cardholder
Foreign transaction fee N/A
Minimum repayment The greater of 3% of the Eligible Unpaid Balance or $30 (or that balance in full if below $30), plus scheduled instalment repayments, overdue repayments and any amount by which the Unpaid Balance exceeds the credit limit.
Cash advance fee $3 or 3% (whichever is greater)
Late payment fee $45
Additional features
Complimentary insurance
International Travel Insurance No
Flight Inconvenience Insurance No
Transit Accident Insurance No
Smartphone Screen Insurance No
Purchase Protection Insurance No
Extended Warranty Insurance No
Rental Vehicle Excess In Australia Insurance No
Overview
humm®90 Platinum Mastercard
The humm®90 Mastercard offers up to 110 days interest-free on eligible everyday purchases, plus interest-free instalment plans for eligible purchases of $250 or more. Pay no international transaction fees when shopping overseas or online. A $9.95 monthly account fee applies from account opening. You must meet the Interest Free Criteria, including paying at least the ‘Alternative repayment to reduce interest’ shown on each monthly statement by the due date. Other fees and T&Cs apply.
Key features
- Up to 110 days interest-free on eligible everyday purchases, subject to the Interest Free Criteria.
- Long-term interest-free offers of up to 60 months at selected retail partners; terms vary by offer.
- $9.95 monthly account fee applies from account opening.
- Turn eligible purchases of $250 or more into an interest-free instalment plan with flexible repayment terms; establishment fees apply.
- Pay no international transaction fees on overseas or online purchases.
Minimum criteria to apply for this card
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Be over 18 years old
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Good Credit and have not applied for multiple credit cards recently
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You must be a permanent Australian resident
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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 9 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
Recently Asked Questions
Something you need to know about this card? Ask our credit card expert a question.
Ask a question58 questions (showing the latest 10 Q&As)
With the Humm 90 credit card, do I still earn points??
Hi Nell, thanks for your question! With the humm90 card, it doesn’t operate like traditional rewards credit cards. Instead of earning reward or airline points, the card focuses on offering interest free payment plans for purchases over time. Because of that structure, purchases made with the humm90 card generally don’t earn rewards points or frequent flyer points.
If you’d like to see how interest free credit cards work and how they differ from rewards cards, our rewards credit cards guide may help explain it in more detail.
Hi so you pay $119 a year and $9.99 a Monthly fee as well. Is this correct?
Hi Denise, thanks for your great question. For the first year, there are no monthly or annual fees. After the 12 months, you'll then pay a monthly fee of $9.95. Due to the way our software works, we've had to display it annualised with an * to explain the monthly breakdowns. You'll only pay the $9.99 monthly fee, after the first year. Hope that clarifies it a bit better Denise.
looking at getting a card to cover a holiday next year and wanting to look at the humm90wrap pre payment card. can I please get some information.
Hi Kylie, planning ahead for a holiday sounds exciting! With humm®90, the humm90WRAP feature lets you take any purchase of $250 or more and spread it over equal monthly instalments (usually 9, 12 or 15 months). There’s a small fee, but as long as you make the repayments on time, it stays interest free.
The card also gives you up to 110 days interest free on everyday spending and no international transaction fees, which can be handy for flights, hotels, or overseas shopping. Right now there’s even a $200 cashback offer if you spend $2,000 in the first 120 days using promo code 200BACK.
You can check out more travel-friendly options in our no foreign fee cards guide, and humm90WRAP for more infomation. To apply, just hit the “Go To Offer” button above (if you are confident you can meet the application requirements!).
is there a monthly fee on this card?
Hi Chandra, Yes, there is a monthly fee of $9.95. Thanks!
Can I apply for a credit card if I have all got a Humm account
Hi Jennifer, it looks like having a Humm BNPL account doesn’t stop you from applying for the Humm90 card. You’ll need to make sure you meet all the eligibility requirements as this product falls under the national credit code of conduct. As with all credit products, approval is still subject to the provider.
can i buy an airline ticket 9 months interest free
Hi there, there’s a few interest free options available with the credit card. There’s a 60 day interest free option if you book your flights with “Flight Centre” and there’s also the humm90WRAP feature. This allows you to split payments over $250 into 9, 12, or 15 equal monthly instalments. This card has a few twists and turns so it’s definitely worth your time to read the fine print of this one!
Hi Pauline,
Humm is currently offering a partnership with Flight Centre where they offer 24 months interest free if you pay for your flights with a Humm 90 account. Is this truly interest-free and any advice on any hidden fees or charges that enable them to do this? The reason I ask is I've read so many bad reviews of Humm 90 so unsure if this is a worthwhile deal. I was hoping to take advantage of the deal and pay off before the 24 months interest-free period ends, but don't want to get caught out with any hidden and rip-off fees. Any guidance is appreciated. Thank you Pauline.
Hi there, good on you for looking into the fine print! The terms say you need to pay an annual account fee and an establishment fee (I can’t find firm figures). It sounds like you already know this, but it says that the minimum monthly repayments won’t repay the loan before the interest-free period ends, so you’ll end up paying the standard interest rate (26.30% p.a.) on the remainder. You’d need to calculate the repayments for yourself to make sure it’s paid off. Here are the Humm90 card terms. I can’t tell you from personal experience if Humm90 is a good card or not, sorry. But another option is a card that comes with 0% p.a. on purchases for a promotional period (often it’s 12-18 months). It’s different to Humm90s offer because the 0% offer applies to any eligible purchase and isn’t restricted to partnering businesses. That way you might find a brand you’re more comfortable with. Good luck and happy travels!
Hi Pauline,
Seems that the promo code has expired for the humm card, any chance you are aware of new offer coming up?
Hi Paul, that was a great promo and it’s a shame to see it go! I’m not aware of the next Humm offer as yet. Fingers crossed they come up with something just as good! 🤞
Can the Humm90 credit card be used for paying car registration, utility accounts,chemist purchases, supermarket shopping, etc
Hi Kay, yes you can use the humm90 Platinum Mastercard to pay for your car registration, utilities, etc. I suggest checking with the merchant first too if they accept payments via credit card. You should also check whether they’ll be classed as a “cash advance” as these will accrue interest straight away at the higher rate.
How to request a payout letter
Hi Charmaine, you’ll have to head on over to the humm90 site and go through the “closing your account” process. They will then set you on a process which includes a payout letter.
hmmm contact number
Hi Linda Ann, humm’s phone number is 1300 115 533.
How can I get Humm 90. I looking to buy a ride on mower. What's are the chance?
Kind regards
Margaret
Hi Margaret, while we currently don’t have an active partnership with humm, you can visit their official website to apply for the humm90 card. Before applying, it's a good idea to review the card's offers, terms, conditions, and eligibility requirements. Hope this helps!
Hi, do you do balance transfers from an American express card?
Hi Jason, as long as the balance is not from any other humm card account, you may request for a transfer.
Can I use this credit card to do groceries at Cole’s or woollies? Or to put fuel in my car at the Servo?
Hi Wendy, yes you sure can. The humm90 works like a normal credit for everyday purchases as well as it's partnerships with larger chain retailers.
When I change my credit card pin number how long I want to withdraw cash from atm
Hi Sami, when you change your credit card PIN number, you should be able to withdraw cash from an ATM immediately. If you face any issues, I suggest reaching out to humm directly at 1300 115 533.
Hi, I paid my rates yesterday with the humm90 credit card, to which i received a call to confirm that it was actually me making the transaction.
Whilst i was appreciative of that call, i thought it may have been mentioned that it was a cash transfer? Can you offer any info be much appreciated thanks Paul..
Hi Paul, that’s definitely a question I’d be taking to Humm90 directly to check. They’ll be able to look at your account and see what type of transaction was made. Their customer service number is 1300 115 533.
the interest rate on this card is wrong on your website.
https://www.creditcard.com.au/humm90/
Hi Ryan, I’ve just double-checked the interest rates and ours are the same as Humm90’s website. Thanks!
I actually want to consolidate the Humm90 Credit Card into another bank offer but cannot find the originating bank to nominate?
Hi Carole, that might be worth calling the bank you're trying to balance transfer to and asking them if they accept Humm90 transfers and if it has a different name. Remember you can't transfer between the same bank (Humm to Humm, for example). Thanks Carole, all the best!
Softsynx.co
4 August 2026Cheaper rates is needed
Recommends this cardGreat Customer Service
1 August 2026Have used this card for many years using the interest free payment plans and wrap facility. Always found them easy to use, great customer service and always contactable. Recent interaction by phone with Cherry was top notch.
Recommends this cardNiki
15 March 2024The app has a great feature which shows you how much you need to pay each month to avoid paying interest. You can also split bigger purchases into an interest free payment plan for a small fee. Customer service has been fine for me, no issues.
Recommends this card