Ask us a Question

Hi, we spend most of our time trying to help people and we will answer your question within a business day.

By submitting this question you agree to our privacy policy.

N/A

humm Credit Cards

humm90 Mastercard

Updated 12 October 2021

The humm90 Mastercard’s 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. Enjoy complimentary Purchase Protection Insurance and Price Protection Insurance on eligible purchases. T&Cs apply.

Purchase Rate (p.a)

23.99%

Balance Transfer (p.a)

N/A  

Annual Fee (p.a)

$99

$0

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • Up to 110 days interest-free on purchases (excluding cash advances). Minimum monthly repayments required.
  • Complimentary Mastercard Purchase Protection Insurance and Price Protection Insurance on eligible humm90 purchases
  • 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
  • Enjoy 10% cashbacks on purchases made during the 24-hour period Brand Crush promotion

  • 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

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 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 be interest bearing from the date of the transaction. The interest rate is 23.99% p.a. on purchases so it is important that 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.

Additionally, you can use your humm90 Mastercard and enjoy 10% cashbacks on purchases made during the 24-hour period Brand Crush promotion.

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. Enjoy complimentary Mastercard Purchase Protection Insurance and Price Protection Insurance on eligible purchases.

User reviews

humm90 Mastercard ( based on 4 Creditcard.com.au user reviews )

25% rating based on 4 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 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 Yes

Extended Warranty Insurance No

Rental Vehicle Excess In Australia Insurance No

Extras

Price Protection Insurance

Overview

humm90 Mastercard

Key features

  • Up to 110 days interest-free on purchases (excluding cash advances). Minimum monthly repayments required.
  • Complimentary Mastercard Purchase Protection Insurance and Price Protection Insurance on eligible humm90 purchases
  • 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
  • Enjoy 10% cashbacks on purchases made during the 24-hour period Brand Crush promotion

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

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.

9 questions (showing the latest 10 Q&As)

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?
Help us improve

By submitting this feedback you agree to our privacy policy.

My credit card is not listed

By submitting this form you agree to our privacy policy.