- 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 (Flight Centre, Ikea and Nick Scali)
- Convert humm®90 Platinum Mastercard purchases of $250 or more to an Interest Free Instalment Plan with humm90WRAP. Fee applies
- Pay no Foreign Exchange Fees on purchases made overseas or online at international retailers
- Complimentary Mastercard Purchase Protection Insurance and Price Protection Insurance on eligible humm®90 purchases
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humm Credit Cards
humm®90 Platinum Mastercard
Updated 10 June 2025
Save with humm®90 Platinum Mastercard’s long term interest-free finance at retail partners and up to 110 interest free days on everyday purchases. Plus, you'll pay 0% foreign transaction fees when you shop overseas and online.
Terms and conditions apply.
Purchase Rate (p.a)
26.30%
Annual Fee (p.a)
$119.40
Pros and cons
- 26.3% p.a. interest rate on purchases
- There is a $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 Platinum Mastercard
The humm®90 Platinum Mastercard is the Skye Mastercard rebranded. If used right, you can enjoy up to 110 days interest-free and up to 60 months of interest-free terms with key retail partners. As of October 2024, the annual fee changed to a monthly fee of $9.95 ($119.40 per year).
What we love...
humm®90 Platinum Mastercard is a reliable companion for shoppers who are looking for interest-free options, as it offers a few ways to do this.
Let's dig into this awesome chance to get your big money back. If you shop and make eligible purchases using your humm®90 Platinum Mastercard, you will get up to 110 days on purchases (excluding cash advances) when you meet the interest-free criteria for the required payments. If you don't make the required payments, all new transactions from that day will accrue interest from the date of the transaction. The interest rate is 26.30% 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 humm®90 Platinum Mastercard. Some key retailers are Flight Centre, Ikea, and Nick Scali. 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 26.30% 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.
Purchases made overseas or online are not charged foreign exchange fees. This is great if you shop online at overseas sites.
What's not so great...
Put simply, the interest rate on purchases. At 26.30% 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 and pay down existing debts at the same time, this card could be for you (provided you make repayments on time before the introductory period ends and interest is charged).
Apart from interest-free options, the humm®90 Platinum Mastercard also offers no Foreign Exchange Fees on purchases made overseas or online at international retailers.
Overall rating
The humm®90 Platinum Mastercard comes with interest-free terms, and $0 foreign transaction fees. Enjoy complimentary Mastercard Purchase Protection Insurance and Price Protection Insurance covers.
User reviews
Rates and fees
Interest rates
Purchase rate 26.30% p.a.
Cash advance rate 26.49% 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
Foreign transaction fee N/A
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
humm®90 Platinum Mastercard
The humm®90 Platinum Mastercard offers up to 110 days interest-free on everyday purchases and long-term interest free finance for up to 60 months at select retail partners like Flight Centre, Ikea and Nick Scali. Convert purchases of $250 or more into interest-free instalments with humm90WRAP (fee applies). Pay no foreign transaction fees on international or online purchases, and enjoy complimentary Purchase Protection and Price Protection Insurance. Minimum repayments required. T&Cs apply.
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.
- Convert humm®90 Platinum Mastercard purchases of $250 or more to an Interest Free Instalment Plan with humm90WRAP. Fee applies.
- Pay no Foreign Exchange Fees for purchases made overseas or online
- Complimentary Mastercard Purchase Protection Insurance and Price Protection Insurance on eligible humm®90 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 question55 questions (showing the latest 10 Q&As)
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!
Niki
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