- 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
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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.
Pros and cons
- 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. Ask Pauline a Question 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
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 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
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