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humm Credit Cards

humm90 Mastercard

Updated 20 November 2023

Get $300 back when you apply for a new humm90 Mastercard by 31 December 2023 and spend $3000 using your card in the first 60 days. Plus. this includes long term interest-free finance at retail partners, up to 110 days interest-free on everyday purchases, and complimentary retail insurance covers.

Purchase Rate (p.a)

25.80%

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

  • Get $300 back when you spend $3000 using your card in the first 60 days. Available to new cards only.
  • 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 humm90 Mastercard purchases of $250 or more to an Interest Free Instalment Plan with humm90//WRAP. 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 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.

Compare cards with the same features as humm90 Mastercard

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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 of $300 back on eligible purchases.

What we love...

humm90 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 its awesome chance to get your big money back. If you shop and make eligible purchases using your humm90 Mastercard, you will receive $300 back when you apply for a new card by 31 December 2023, get approved, and spend at least $3000 using your card in the first 60 days. You will also get 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 25.80% 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 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 humm90//WRAP feature. Be aware that this comes with a small fee and the 25.80% 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 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 25.80% 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 humm90 Mastercard offers no Foreign Exchange Fees on purchases made overseas or online at international retailers.

Overall rating

The humm90 Mastercard comes with interest-free terms, and $300 back on eligible purchases. Enjoy complimentary Mastercard Purchase Protection Insurance and Price Protection Insurance covers.

User reviews

humm90 Mastercard ( based on 20 Creditcard.com.au user reviews )

16% rating based on 20 reviews

Rates
Fees
Rewards
Customer Service
Value

Rates and fees

Interest rates



Purchase rate 25.80% 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)

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 $300 back when you spend $3000 using your card in the first 60 days. Available to new cards only.
  • 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 humm90 Mastercard purchases of $250 or more to an Interest Free Instalment Plan with humm90//WRAP. Fee applies.
  • Pay no Foreign Exchange Fees for purchases made overseas or online
  • 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 our credit card expert a question.

45 questions (showing the latest 10 Q&As)

Wendy Evans

Wendy Evans

18 February 2024
Can I use this credit card to do groceries at Cole’s or woollies? Or to put fuel in my car at the Servo?
    Pauline - CreditCard.com.au

    Pauline

    22 February 2024
    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.
Sami

Sami

6 October 2023
When I change my credit card pin number how long I want to withdraw cash from atm
    Pauline - CreditCard.com.au

    Pauline

    9 October 2023
    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.
Paul

Paul

12 September 2023
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..
    Pauline - CreditCard.com.au

    Pauline

    15 September 2023
    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.
Ryan

Ryan

6 September 2023
the interest rate on this card is wrong on your website. https://www.creditcard.com.au/humm90/
    Pauline - CreditCard.com.au

    Pauline

    8 September 2023
    Hi Ryan, I’ve just double-checked the interest rates and ours are the same as Humm90’s website. Thanks!
Carole griffin

Carole griffin

15 August 2023
I actually want to consolidate the Humm90 Credit Card into another bank offer but cannot find the originating bank to nominate?
    Pauline - CreditCard.com.au

    Pauline

    16 August 2023
    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!
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