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humm Credit Cards

humm90 Mastercard

Updated 8 April 2021

The humm90 Mastercard 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

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Pros and cons

  • 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

  • Any outstanding balance after the Interest free period reverts to the high purchase rate, currently at 23.99% p.a.

Creditcard.com.au review

Editor Review

humm90 Mastercard

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

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, no international transaction fees and an annual fee of $99.

User reviews

humm90 Mastercard ( based on 2 Creditcard.com.au user reviews )

46% rating based on 2 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 card holder 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 No

Extended Warranty Insurance No

Rental Vehicle Excess In Australia Insurance No

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)
  • Convert humm90 Mastercard purchases of $250 or more to an interest-free instalment plan with humm90WRAP. Fee applies.
  • 0% foreign transaction fees on purchases made overseas and 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

  • You must be a resident or citizen of Australia

  • 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.

2 questions (showing the latest 10 Q&As)

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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