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. Plus, humm90's card is also a winner of a 2023 Mozo Experts Choice Travel Money Award in the Travel Credit Card category.
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 26.30% p.a. purchase rate and $35 late payment fee.
There are a few other fees to be aware of, including a $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.
The credit card is also for travellers or international shoppers, offering no foreign transaction fees for online and overseas purchases.
With a high purchase rate of 26.30% p.a., you’ll want to stay on top of your repayments, especially since the card also features a late payment fee of $35.
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26.30% p.a. |
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0% p.a. for 3 months |
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No current offer |
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none |
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26.49% p.a. |
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110 |
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$99.00 |
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none |
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none |
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none |
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$35.00 |
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3%, min $3 |
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0% |
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$2.50 |
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$0.00 |
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$10.00 |
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$30.00 |
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3.0 |
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yes |
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none |
Apple Pay, Google Wallet, Garmin Pay
Purchase Protection
Charged every month a dishonour fee Even tho payments are made on time Then they keep changing direct debit dates They take the money then return it a day or so later then charge me a dishonour fee then take the money out again and charge me a handling fee I pay over and above around $1000-$1500 a month but it never reflects in my balance Interest charges from $30-$140 a month Transactions that don’t go t through on cash with drawls but then I find out they still deduct it from my account Being stung multiple times for things I purchase Humm is the biggest scam around stay clear
Read full reviewCharged every month a dishonour fee Even tho payments are made on time Then they keep changing direct debit dates They take the money then return it a day or so later then charge me a dishonour fee then take the money out again and charge me a handling fee I pay over and above around $1000-$1500 a month but it never reflects in my balance Interest charges from $30-$140 a month Transactions that don’t go t through on cash with drawls but then I find out they still deduct it from my account Being stung multiple times for things I purchase Humm is the biggest scam around stay clear
I would highly recommend humm 90. Every time I’ve had to contact the bank I’ve had nothing but outstanding customer service. The app is easy to use and access. Navigation is quite easy on that website. Their pricing is competitive and I am more than happy with my credit card from this company.
Read full reviewI would highly recommend humm 90. Every time I’ve had to contact the bank I’ve had nothing but outstanding customer service. The app is easy to use and access. Navigation is quite easy on that website. Their pricing is competitive and I am more than happy with my credit card from this company.
Humm was extremely easy to obtain a credit check, I was able to use the card within 24 hours of applying for the product. The repayment process has been very easy and the reminders extremely helpful.
Read full reviewHumm was extremely easy to obtain a credit check, I was able to use the card within 24 hours of applying for the product. The repayment process has been very easy and the reminders extremely helpful.
The most elusive company regarding customer service answers interest is 25.99 fees are relentless they help themselves to payment out of your account causing dishonour fees on top of monthly due payments I have used humm products 3 times in the past this product is humm90 card is the worst product I have ever used. I have paid the amount owing and phoned to cancel my account 3 days ago I was informed I had to pay a further amount to close the account ! I did this. Although the account was verbally assured was CLOSED a scheduled payment is pending on statement. Customer service has now informed me of further fees and I had to wait for email confirmation of account closed. Ongoing!! PLEASE Avoid this product .
Read full reviewThe most elusive company regarding customer service answers interest is 25.99 fees are relentless they help themselves to payment out of your account causing dishonour fees on top of monthly due payments I have used humm products 3 times in the past this product is humm90 card is the worst product I have ever used. I have paid the amount owing and phoned to cancel my account 3 days ago I was informed I had to pay a further amount to close the account ! I did this. Although the account was verbally assured was CLOSED a scheduled payment is pending on statement. Customer service has now informed me of further fees and I had to wait for email confirmation of account closed. Ongoing!! PLEASE Avoid this product .
Applied because of the annual fee waived promo. Wasn’t waived & spent many hours trying to fix this through emails & calls. They requested evidence I applied on their promo page & I actually provided this. Their last email offering another excuse, not to honour their promo, they didn’t even finish the sentence. Very unprofessional & false advertising.
Read full reviewApplied because of the annual fee waived promo. Wasn’t waived & spent many hours trying to fix this through emails & calls. They requested evidence I applied on their promo page & I actually provided this. Their last email offering another excuse, not to honour their promo, they didn’t even finish the sentence. Very unprofessional & false advertising.
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Qantas Ultimate Card
23.99% p.a.
No current offer
$450
Qantas Frequent Flyer
Essential® Rewards Credit Card
23.99% p.a.
No current offer
$108
Membership Rewards
Platinum Edge Credit Card
23.99% p.a.
No current offer
$195 $0 in the first year
Membership Rewards
Explorer Credit Card - Exclusive Offer
23.99% p.a.
No current offer
$395
Membership Rewards
Qantas Discovery Card
23.99% p.a.
No current offer
$0
Qantas Frequent Flyer
Rewards Credit Card
0% p.a. for 15 months then 21.49% p.a.
0% p.a. for 15 months and then 22.24% p.a.
$199
Citi Rewards Program
Qantas Ultimate Card
Qantas Frequent Flyer
$450
50,000
1.25 points up to 100,000 points/year, then
1 point uncapped
Platinum Visa Credit Card
Qantas Frequent Flyer
$299
30,000
1 point up to 20,000 points/month
Qantas Rewards Premium Card
Qantas Frequent Flyer
$250 $150 in the first year
70,000
0.66 points up to $3,000/month, then
0.33 points up to $6,000/month
Qantas Premium Card
Qantas Frequent Flyer
$249
20,000
1 point uncapped
Rewards Signature Card
NAB Rewards
$295 $145 in the first year
180,000
1.25 points uncapped
Qantas Discovery Card
Qantas Frequent Flyer
$0
No current offer
0.75 points uncapped
Velocity Escape Card
Velocity Frequent Flyer
$0
No current offer
0.75 points uncapped
Qantas Rewards Signature Card
Qantas Frequent Flyer
$395 $295 in the first year
120,000
1 point up to $5,000/month, then
0.5 points up to $20,000/month
Low Rate Card
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
13.49% p.a.
$59 $0 in the first year
Premier Credit Card
0% p.a. for 6 months and then 22.24% p.a.
21.49% p.a.
$300 $150 in the subsequent years if you spend $48,000 on eligible purchases or cash advances in previous year., $150 in the first year
Citi Rewards Program
Blue Visa Credit Card
0% p.a. for 9 months and then 21.74% p.a.
0% p.a. for 9 months then 20.74% p.a.
$60
Q Rewards
Virgin Australia Velocity Flyer Card - Balance Transfer Offer
0% p.a. for 24 months and then 20.99% p.a.
20.74% p.a.
$149 $0 in the first year
Velocity Frequent Flyer
More Mastercard
0% p.a. for 6 months and then 19.99% p.a. (1.00% balance transfer fee)
19.99% p.a.
$100
Bankwest More Rewards
Low Rate Card
13.49% p.a.
0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
$59 $0 in the first year
Low Rate Credit Card
12.99% p.a.
0% p.a. for 12 months and then 25.99% p.a. (2.00% balance transfer fee)
$99
Low Rate Visa Credit Card
9.90% p.a.
No current offer
$59
Low Rate Credit Card
8.99% p.a.
0% p.a. for 6 months and then 8.99% p.a.
$59 $0 in the first year
