Our verdict

Offers long interest-free offers and no foreign transaction fees, with a 26.3% p.a. purchase interest rate.

The humm90 Mastercard offers one of the longest interest-free periods for everyday purchases. It gives you up to 110 days interest-free from the start of each statement period, which is much longer than the 44 or 55 days offered by most other cards. But keep in mind that the 26.3% p.a. purchase rate is much higher than most cards on the market.

With the humm90 Mastercard, other interest-free options include payment plans of 9-, 12- or 15-months for purchases of $250 or more and long-term interest-free (LTFI) plans for up to 60 months for retail partners including Flight Centre and IKEA. Just be aware that details can also vary depending on the retail partner – so make sure you check before signing up.

Pros

Up to 110 days interest-free on everyday purchases
Ability to convert $250+ purchases into 9-, 12- or 15-month 0% p.a. instalment plans
0% foreign transaction fees

Cons

High 26.3% p.a. interest rate on purchases
High 26.49% p.a. interest rate on cash advances
Charges a $0.95 fee for BPAY repayments

The humm90 Mastercard offers a range of interest-free options for your spending. It also has 0% foreign transaction fees and worldwide acceptance through the Mastercard network. But when it's charged, the 26.3% p.a. interest rate for purchases is high compared to most credit cards in Australia.

Details

Product details

Product Name	humm90 Platinum Mastercard
Purchase rate p.a.	Purchase rate p.a.26.3%
Interest-free days	Up to 110 days on purchases
Cash advance rate p.a.	26.49%
Min credit limit	$1,000
Max credit limit	$50,000
Card type	Mastercard

Eligibility

Available to temporary residents	No
Minimum income	$25,000
Joint application	Yes - Conditions apply

Rewards

Bonus points

N/A

Fees

Annual fee	$119.40
Minimum monthly repayment	3% of the closing balance or $30, whichever is greater
Late payment fee	$35
Foreign currency conversion fee	0%
Cash advance fee	3% or $3, whichever is greater
Overseas cash advance fee	3% or $3, whichever is greater
Overseas ATM withdrawal fee	$0
Additional cardholder fee	$10
Number of additional cardholders	4

How to apply

To get started, make sure you meet the following eligibility requirements and have all the essential documents and details on hand.

Eligibility criteria

Minimum income. You must earn at least $25,000 to apply for this card.
Residency. You must be an Australian citizen or permanent resident.

Credit history. You should only apply for this card if you have a clean credit file without any black marks (such as defaults or previous bankruptcy listings). You can check your credit score for free through Finder.
Age. You must be at least 18 years old to apply.

Required documents

Personal information. This includes your full name, date of birth, residential address, email address and phone number.
Identification. You'll need to provide details of your Australian driver's licence, Medicare card or Australian passport to help verify your identity.
Employment details. This includes your current position at work, your salary and your employer's contact details. You'll also be asked to provide a recent bank statement to help verify your income. You can do this by emailing humm after submitting the application or by securely signing into your bank account during the application.
Financial details. As well as your salary, you'll need to share details of any other forms of income and assets such as savings. You'll also need to include details of any existing debts, such as loans or credit cards as well as estimates of everyday expenses such as rent and bills.

Card benefits

Up to 110 days interest-free on purchases. This card offers an interest-free period of up to 110 days on every purchase you make (excludes cash advances). At the end of the 110-day period, the standard purchase rate will apply to the balance. Note that you will still need to make minimum payments on your account by the due date listed on each statement.
0% foreign transaction fees. The humm90 Mastercard doesn't charge a foreign transaction fee when you're travelling overseas or shopping online with an international retailer. This can save you around 2-4% per transaction compared to some other credit cards and debit cards. But keep in mind that overseas ATM withdrawals with this card would still attract cash advance rates and fees.

Interest-free instalment plan options. The humm90 Mastercard offers interest-free instalment plans of 9-, 12- and 15-months for purchases of $250 or more – known as humm90WRAP. These instalment plans attract an establishment fee as a percentage of the purchase amount (3% for a 9-month plan, 4% for a 12-month plan and 5% for a 15-month plan).

Long-term interest-free offers. This card gives you access to exclusive interest-free offers for up to 60 months, with partnered brands including Flight Centre and IKEA. Known as LTIF, you can see current offers on the humm90 website.

Mobile payment technology. You can easily make payments upon check out using an eligible device if you register this card to your Apple Pay, Google Pay, or Garmin Pay wallet.

Rates & fees

Monthly fee. The humm90 Mastercard charges a $9.95 monthly fee. If you use the card every month, this fee would add up to $119.40 over a year.
Purchase rate. The standard purchase rate is 26.3% p.a. In comparison, the average standard credit card interest rate is 20.99% p.a. according to RBA data.

Cash advance rate. The humm90 Mastercard has a cash advance interest rate of 26.49% p.a. This rate applies to cash advance transactions and cash withdrawals from the date they are made.
Cash advance fee. If you use this credit card for a cash advance transaction, you'll be charged a cash advance fee of 3% or $30 (whichever is greater).
Promotional rates. Occasionally, humm may offer you a promotional interest rate for certain transactions or for a specific period of time. When that's the case, the promotional rate will apply for spending that meets the terms and conditions of the offer.
Payment handling fee. A fee of $0.95 applies each time you make a payment to the account via BPAY.
Additional cardholder fee. You can request up to 4 additional cardholders linked to your humm90 Mastercard account. Each additional card attracts a $10 annual fee.

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Richard Whitten is Finder’s Money Editor, with over seven years of experience in home loans, property and personal finance. His insights appear in top media outlets like Yahoo Finance, Money Magazine, and the Herald Sun, and he frequently offers expert commentary on television and radio, helping Australians navigate mortgages and property ownership. Richard holds multiple industry certifications, including a Certificate IV in Mortgage Broking (RG 206) and Tier 1 and Tier 2 certifications (RG 146), as well as a Graduate Certificate in Communications from Deakin University. See full profile

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