Platinum Mastercard card image

humm90 Platinum Mastercard

Advertiser disclosure
Purchase rate
23.99% p.a.
Balance transfer rate
No current offer
Annual fees
$99 $0 in the first year
Interest free days on purchases

Mozo editorial review humm90 Platinum Mastercard - last updated: 9 August 2022

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What's hot
  • No foreign transaction fees
  • 110-day interest free period
  • Up to 60 months interest free on purchases from select retailers
What's not
  • 23.99% p.a. interest rate
  • $99 annual fee
Mozo snapshot

Apply for a humm90 Mastercard in 10 minutes and use slick new tech for safer transactions. With a massive 110-day interest free period and no foreign transaction fees, the humm90 Mastercard could be a great option for savvy spenders. This card is a winner of a 2022 Mozo Experts Choice Travel Money Award in the Travel Credit Card category. Plus, you could receive $400 back when you apply by 21 August 2022 and spend $4,000 on eligible purchases within the first 120 days (T7Cs apply).

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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.

If you’re planning any large purchases, you can go to one of humm90’s no-interest partners, including IKEA and Flight Centre, to get between 12 and 60 months interest free on your item (conditions apply)

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 14 August 2022 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.


No current offer


25.99% p.a.




$0 in the first year




3%, min $3










Payment options

Apple Pay, Google Pay, Garmin Pay

Rewards privileges

Purchase Protection

Other benefits

Receive $400 back when you apply by 21 August 2022 and spend $4,000 on eligible purchases within the first 120 days.

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