Ask Pauline a Question

Hi, I’m a personal finance expert who loves to help you out! I’ll answer your question within a business day. Pinky swear.

We ask for your email so we can respond to you directly. We won’t share your personal data. For more information, see our privacy policy.

N/A
humm®90 Platinum Mastercard
humm®90 Platinum Mastercard

humm Credit Cards

humm®90 Platinum Mastercard

Updated 15 May 2024

Save with humm®90 Platinum Mastercard’s long term interest-free finance at retail partners and up to 110 interest free days on everyday purchases. Pay no annual fee the first year. Plus, you'll pay 0% foreign transaction fees when you shop overseas and online. Apply by 31 May 2024.

Terms and conditions apply. Use promo code ‘NOANNUALFEE’ when applying.

Purchase Rate (p.a)

0% p.a.

for 110 days. Reverts to 25.80% p.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

  • No annual fee the first year (use the promo code NOANNUALFEE), then $99
  • 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 humm®90 Platinum Mastercard purchases of $250 or more to an Interest Free Instalment Plan with humm90WRAP. 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 humm®90 purchases

  • 25.8% p.a. interest rate on purchases
  • There is a $0.95 fee for BPAY repayments

Creditcard.com.au review

Editor Review

humm®90 Platinum 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 humm®90 Platinum Mastercard

Image Description Image Description Image Description

humm®90 Platinum Mastercard

The humm®90 Platinum Mastercard is the 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. On top of this, new cardholders can enjoy no annual fee for the first year.

What we love...

humm®90 Platinum 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 this awesome chance to get your big money back. If you shop and make eligible purchases using your humm®90 Platinum Mastercard, you will get up to 110 days on purchases (excluding cash advances) when you meet the interest-free criteria for the 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 humm®90 Platinum 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 humm90WRAP 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.

Purchases made 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). Saving $99 on the annual fee the first year help you pay off your debts faster and get closer to your financial goals.

Apart from interest-free options, the humm®90 Platinum Mastercard also offers no Foreign Exchange Fees on purchases made overseas or online at international retailers.

Overall rating

The humm®90 Platinum Mastercard comes with interest-free terms, and $0 foreign transaction fees. Enjoy complimentary Mastercard Purchase Protection Insurance and Price Protection Insurance covers and no annual fee the first year.

User reviews

humm®90 Platinum Mastercard ( based on 21 Creditcard.com.au user reviews )

19% rating based on 21 reviews

Rates
Fees
Rewards
Customer Service
Value
90%

Niki

15 March 2024

The app has a great feature which shows you how much you need to pay each month to avoid paying interest. You can also split bigger purchases into an interest free payment plan for a small fee. Customer service has been fine for me, no issues.

Recommends this card

Rates and fees

Interest rates



Purchase rate 25.80% p.a.

Introductory purchase rate 0% p.a. for 110 days

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

humm®90 Platinum Mastercard

Key features

  • $0 annual fee the first year (use the promo code NOANNUALFEE), then $99 each year after that
  • 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 humm®90 Platinum Mastercard purchases of $250 or more to an Interest Free Instalment Plan with humm90WRAP. Fee applies.
  • Pay no Foreign Exchange Fees for purchases made overseas or online
  • Complimentary Mastercard Purchase Protection Insurance and Price Protection Insurance on eligible humm®90 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.

49 questions (showing the latest 10 Q&As)

Charmaine

Charmaine

14 May 2024
How to request a payout letter
    Pauline - CreditCard.com.au

    Pauline

    15 May 2024
    Hi Charmaine, you’ll have to head on over to the humm90 site and go through the “closing your account” process. They will then set you on a process which includes a payout letter.
Linda Ann Harders

Linda Ann Harders

21 April 2024
hmmm contact number
    Pauline - CreditCard.com.au

    Pauline

    28 April 2024
    Hi Linda Ann, humm’s phone number is 1300 115 533.
Margaret

Margaret

15 April 2024
How can I get Humm 90. I looking to buy a ride on mower. What's are the chance? Kind regards Margaret
    Pauline - CreditCard.com.au

    Pauline

    18 April 2024
    Hi Margaret, while we currently don’t have an active partnership with humm, you can visit their official website to apply for the humm90 card. Before applying, it's a good idea to review the card's offers, terms, conditions, and eligibility requirements. Hope this helps!
Jason

Jason

8 April 2024
Hi, do you do balance transfers from an American express card?
    Pauline - CreditCard.com.au

    Pauline

    18 April 2024
    Hi Jason, as long as the balance is not from any other humm card account, you may request for a transfer.
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!
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.