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Humm Credit Cards

Humm90 Credit Card

Updated 12 January 2021

The Humm90 Credit Card is the new Skye Mastercard. Offering interest free terms at selected retailers.

Purchase Rate (p.a)

23.99%

Balance Transfer (p.a)

N/A  

Annual Fee (p.a)

$99

$0

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Pros and cons

  • Up to 110 days Interest Free on purchases (excluding cash advances). Minimum monthly repayment required. Any outstanding balance after the Interest Free Period reverts to the Purchase Rate.
  • 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

  • Purchase rate of 23.99% p.a.

Creditcard.com.au review

Editor Review

Humm90 Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of Creditcard.com.au. about this card.

Humm90 Credit Card

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 has 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 Credit Card. 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 offers no international transaction fees on purchases made overseas or online at international retailers.

Overall rating

The Humm90 comes with interest free terms, no international transaction fees and an annual fee of $99.

User reviews

Humm90 Credit Card ( based on 1 Creditcard.com.au user review )

52% rating based on 1 review

Rates
Fees
Rewards
Customer Service
Value

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 limt $1000

Maximum credit limit N/A

Fees & repayments

Annual fee $99 p.a.

Additional card holder fee $10

Foreign transaction fee 0%

Minimum repayment

Cash advance fee 3%

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 No

Extended Warranty Insurance No

Rental Vehicle Excess In Australia Insurance No

Overview

Humm90 Credit Card

Key features

  • Up to 110 days Interest Free on purchases (excluding cash advances). Minimum monthly repayment required. Any outstanding balance after the Interest Free Period reverts to the Purchase Rate.
  • 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

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Minimum income of $25,000 p.a.

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

Showing one question (showing the latest 10 Q&As)

Samantha

Samantha

7 January 2021
If I purchase an item on the 60 months interest free at one of the participating retailers are there any other monthly fees associated with purchases?
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