Purchase rate
23.99% p.a.
Balance transfer rate
0% p.a. for 36 months and then 25.99% p.a. (0% balance transfer fee)
Annual fees
Interest free days on purchases
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Mozo editorial review humm90 Mastercard - last updated: 26 August 2021

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What's hot
  • No foreign transaction fees
  • Opt in dynamic CVV technology
  • 110 days interest free
What's not
  • 23.99% p.a. interest rate
  • $35 late payment fee
Mozo snapshot

Apply for a humm90 Mastercard in 10 minutes and use slick new tech for safer transactions. With a massive 110-days interest free period and no foreign transaction fees, the humm90 Mastercard could be a great option for savvy spenders. And if you sign up before 10 October 2021, you'll pay 0% interest on balance transfers for the first 36 months.

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Key features

With the humm90 Mastercard, you can enjoy 110 days interest-free, but you’ll be wise to stay on top of repayments to avoid the 23.99% p.a. purchase rate and $35 late payment fee. There are a few other fees to be aware of, including a $99 annual fee, $20 new or replacement MOTION CODE™ card fee, $10 additional cardholder fee among others. Some are avoidable, but you'll have to bite the bullet on others.

An added option available to humm90 Mastercard holders is the ability to convert purchases of over $250 to a humm90wrap, which is a 9, 12 or 15 month instalment plan incurring no interest whatsoever. Keep in mind you’ll have to pay a small establishment fee for this option, which is dependent on the total amount payable.

Another feature serving travellers is the no foreign transaction fee, as well as 24/7 humm90 self-service and an overseas helpline in case of emergencies.

Who is it good for

The credit card is also for travellers or international shoppers, offering no foreign transaction fees for online and overseas purchases.

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Any catches

With a high purchase rate of 23.99% p.a., you’ll want to stay on top of your repayments, especially since the card also features a late payment fee of $35.


Rates and fees information correct as at 17 September 2021 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.

23.99% p.a.


0% p.a. for 36 months and then 25.99% p.a. (0% balance transfer fee)


25.99% p.a.








3%, min $3










Payment options

Apple Pay, Google Pay, Garmin Pay

Rewards privileges

Purchase Protection

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