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humm Credit Cards

humm90 Mastercard

Updated 4 August 2022

Receive $400 cashback* when you apply by 21 August 2022 for a new humm90 Mastercard and spend $4000 using your card in the first 120 days. Plus, you won't have to pay an annual fee for the first year* while enjoying the great features that come with this card. This includes long term interest-free finance at retail partners, up to 110 days interest-free on everyday purchases, and complimentary retail insurance covers.
*New approved humm90 card members only. Fees, T&Cs and minimum spend criteria apply.

Purchase Rate (p.a)

23.99%

Balance Transfer (p.a)

N/A  

Annual Fee (p.a)

$0* first year. Then $99 p.a.

$0

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • Receive $400 cashback* when you spend $4000 using your card in the first 120 days
  • Enjoy no annual fee for a year*, $99 thereafter
  • *New approved humm90 card members only. Fees, T&Cs, and minimum spend criteria apply.
  • 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
  • Complimentary Mastercard Purchase Protection Insurance and Price Protection Insurance on eligible humm90 purchases

  • 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. 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 of interest-free terms with key retail partners. Take advantage of a limited offer and enjoy no annual fee for the first year plus a bountiful cashback of $400 on eligible purchases.

What we love...

Good news! Humm90 Mastercard is maximising the benefits you receive with your shopping experience by giving a $400 cashback when you apply for a new card, get approved, and spend $4000 using your card in the first 120 days. Plus, enjoy all the great features that come with using your card without paying the annual fee for the first year. This reverts to the standard annual fee which is reasonable at $99. This offer ends on 21 August 2022 and is available to newly approved card members only.

humm90 Mastercard is a reliable companion for shoppers who are looking for interest-free options as it 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 accrue interest 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.

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 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.

Overall rating

The humm90 Mastercard comes with interest-free terms, no annual fee for the first year plus, a cashback of $400 on eligible purchases. Enjoy complimentary Mastercard Purchase Protection Insurance and Price Protection Insurance covers.

User reviews

humm90 Mastercard ( based on 14 Creditcard.com.au user reviews )

15% rating based on 14 reviews

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 limit $1000

Maximum credit limit $50,000

Fees & repayments

Annual fee $99 p.a.

Additional cardholder fee $10

Foreign transaction fee N/A

Minimum repayment 3% or $30 (whichever is greater)

Annual fee the first year $0*

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

  • Receive $400 cashback* when you spend $4000 using your card in the first 120 days
  • Enjoy no annual fee for a year*, $99 thereafter
  • *New approved humm90 card members only. Fees, T&Cs, and minimum spend criteria apply.
  • 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.
  • 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

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

Recently Asked Questions

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

16 questions (showing the latest 10 Q&As)

Yogesh Bhat

Yogesh Bhat

1 April 2022
Hi there, I have Humm90 Credit Card Approved as of 31st March 2022, and I am trying to get the Balance Transfer activated, however there are no options online to manage the BT. Do you know what is the process to get the BT activated? Thank you Yogesh Bhat
    Pauline - CreditCard.com.au

    Pauline

    4 April 2022
    Hi Yogesh, we’re Creditcard.com.au, Australia’s leading credit card comparison and information site. Please reach out to humm directly at 1300 115 533 for assistance in requesting a balance transfer.
Francis Kerr

Francis Kerr

9 March 2022
We've only just realised that we have been paying high and unauthorised interest on our account balance. We have NEVER agreed, signed nor activated an agreement with your company about opening up a credit card. Back in 2018 I spoke with Mary Anne from Sydney (Skye) informing us that we will be charged $99.00 and no interest on monthly payment for three years. We agreed on that. We are so upset to find out that we are getting charged an astronomical amount of interest. We would like to get a refund on all the charges charged on us and we would like to pay the remaining balance to close this once and for all. I would appreciate your kind consideration in solving this matter. Kind regards Francis Kerr
    Pauline - CreditCard.com.au

    Pauline

    10 March 2022
    Hi Francis, thanks for the information and sorry to hear about your situation. Unfortunately, you’ve reached Creditcard.com.au, Australia’s leading credit card comparison and information site. I suggest reaching out to humm directly via phone at 1300 115 533 or via chat on their official website to discuss this with them.
N.Tres

N.Tres

7 March 2022
Applied for a new card and received calls from 2 different people requesting for income verification documents (payslips and bank statements). Provided all required documents both times and the second person confirmed that he has received all documents and is forwarding application to the next team. Even after all this, I kept on receiving emails requesting for income verification documents. When I finally called them to find out why they are sending me emails, this really rude guy says they want me to do income verification online. This is where they want you to put your bank id and internet banking password so that they can get access to all your accounts. With so many scams going on right now I was not comfortable doing this. All other credit providers allow another option of sending verification documents via email. I asked if there's another way and the rude guy said no other way. I'll need to cancel your application. I'd rather stay safe then sorry. Asked him to go ahead and cancel the application. If you're thinking of putting in an application with these guys then think twice before wasting your time. They also need to train their customer service people so that the customer is provided with the correct information the very first time.
katrina Vorias

katrina Vorias

1 March 2022
how can I close my account
    Pauline - CreditCard.com.au

    Pauline

    2 March 2022
    Hi Katrina, you’ve actually reached Australia’s leading credit card comparison and information site. Anyhow, you can contact humm90 directly at 1300 115 533 to request for account closure.
Tony

Tony

19 February 2022
I was on a patio building website who was advertising this BS card of up to $50000 & 60 months interest free (thought they must be a key retailer). They directed me to apply first them contact them. I applied and Humm got back to me 24 hours later offering $3000 which is about 1/10th of what is needed. Really, $3000 is lose change and could be paid back within a month. It covers about half the concrete slab. What a joke and why advertise this BS card
    Pauline - CreditCard.com.au

    Pauline

    22 February 2022
    Hi Tony, thanks for your comment. If you scroll down the page a bit, you'll see a "Submit your review" button. This is where you can let other users know about the card.
George Mitchell

George Mitchell

1 February 2022
Can the paperwork be send via e-mail as we have no phone service here at Dundee downs ,cannot receive sms etc. Need to agree to allow my details to be processed.
    Pauline - CreditCard.com.au

    Pauline

    2 February 2022
    Hi George, you have reached Creditcard.com.au, a third party credit card comparison site. It’d be best to reach out to humm90 directly via chat to make your request.
AVIROOP GUPTA

AVIROOP GUPTA

23 December 2021
Is a driving license mandatory for user registration? I have a SA government age of proof identity and I am an Australian PR with an Indian passport
    Pauline - CreditCard.com.au

    Pauline

    6 January 2022
    Hi Aviroop, sorry for the bad news but the Humm90 site says that you’ll need to have either an Australian driver's licence or Australian passport to be eligible to register.
Amy Tatnell

Amy Tatnell

12 October 2021
Is there an option for balance transfer on this card if so what is the interest rate for this please
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 October 2021
    Hi Amy, unfortunately with humm90’s current offer there is no balance transfer option. However, there are other cards that offer balance transfers like the Bankwest Breeze Mastercard or Citi Clear Credit Card. We have a range of cards that offer a 0% balance transfer that you can compare and see what suits you the best. Remember to check the card’s eligibility criteria and TMD before applying.
Domayn Neho

Domayn Neho

17 September 2021
Is the humm mastercard only a Australian thing or does new Zealand do them to?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    17 September 2021
    Hi Domayn, humm90 is available in Australia, New Zealand and Ireland. This card can also be used anytime, anywhere in the world. There are also other cards that are available also in New Zealand that you can check like ANZ and American Express credit cards.
Kay Braden

Kay Braden

2 September 2021
I reduced my limit last year and wondered how i can increase it again
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    3 September 2021
    Hi Kay, I suggest reaching out to the bank directly to discuss your options increasing your limit.
Peter Miles

Peter Miles

20 July 2021
Is the Direct Debit Authority the only means of making payments or would I be able to make payments as long as it is more than min payment required.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 July 2021
    Hi Peter, thanks for your question! We dug into humm90’s terms and found that aside from the Direct Debit Authority, you can also opt to pay via BPAY with a small handling fee. You can check the article we’ve written to guide you on how to link up with BPAY.
Sandra Packham

Sandra Packham

12 July 2021
Hi I had a card, but I don't know my log in details, and haven't received any statements
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 July 2021
    Hi Sandra, thanks for writing! It would be best to reach out to the bank directly on 1300 115 533 or via their email or chat support to discuss your account with them.
Sandra Skinner

Sandra Skinner

11 July 2021
I have a hum90 card just been approved. It is in my digital google account. Can i use this at any tap and go now Or do I have to wait for my card to arrive ?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    13 July 2021
    Hi Sandra, thank you for your question! If you’ve activated your card with Humm, you should be able to start using your digital wallet for Tap and Go Payments. Let us know how you go!
Karen Mackay

Karen Mackay

21 May 2021
I wish to cancel my card - I will not be paying the card fees Karen I have just spent 7 mins on hold on the phone trying to cancel card - please reply via email. thanks - Karen
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    24 May 2021
    Hi Karen, thanks for the information! For card cancellations, please reach out to the card provider directly so they can assist.
Elesi Mila

Elesi Mila

2 March 2021
I am trying to apply for financing with your company because I want to become a distributor for Enargic.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 March 2021
    Hi Elesi, CreditCard.com.au is a comparison website. You can contact Humm90 directly through its help page.
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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