humm
humm90
humm · cred and chrg cards
Provider last updated this product 2026-07-23.
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You'll complete your application on
humm's website. Confirm the rate and fees with them
before applying.
The humm90® Platinum Mastercard® offers flexible Interest Free options and can be used everywhere Mastercard is accepted both in Australia and internationally.
Lending rates
| Type | Rate | Comparison | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| CASH ADVANCE | 28.99% | - | OTHER | PRINCIPAL AND INTEREST | - | - | calculated daily, paid monthly |
| PURCHASE | 27.30% | - | OTHER | PRINCIPAL AND INTEREST | - | - | calculated daily, paid monthly |
| PENALTY | 28.99% | - | OTHER | PRINCIPAL AND INTEREST | - | - | calculated daily, paid monthly |
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Monthly Fee | PERIODIC | $9.95 | Charged at the time your humm90 Account is created and monthly thereafter. |
| Payment Handling Fee | PAYMENT | $0.95 | Charged each time a payment is made via BPAY to pay your account. |
| Paper Statement Fee | OTHER | $5 | Per statement, charged for each paper statement we provide you. |
| Late Payment Fee | LATE_PAYMENT | $45 | Charged when an amount owing is not paid by the due date. |
| Payment Dishonour Fee | DISHONOUR | $15 | Charged when a payment is dishonoured. |
| Additional Cardholder Fee | OTHER | $10 | Per annum for each Additional Cardholder, charged at the time each Additional Cardholder is added to your humm90 Account and annually on the anniversary of that day while the Additional Card remains issued |
| Card Replacement Fee | REPLACEMENT | $20 | Charged when you ask us to replace a humm90 Mastercard. |
| Urgent Card Replacement Fee | REPLACEMENT | - | Charged when you ask us to arrange an urgent replacement of a humm90 Mastercard, with the amount determined by where and how we send the replacement card. |
| Cash Advance Fee | CASH_ADVANCE | 3.00% | Charged when the relevant Balance Transfer Transaction is debited to your humm90 Account. It will be a percentage of the debit balance transferred under a Balance Transfer Transaction. This percentage is notified to you before you complete the Balance Transfer Transaction. |
| humm90wrap Fee Establishment Fee - 9 month term | UPFRONT_PER_PLAN | 3.00% | An Establishment Fee will be charged whenever a purchase is converted to humm90//WRAP. The Establishment Fee is 3% of the purchase you convert to humm90//WRAP on a 9 month term |
| humm90wrap Fee Establishment Fee - 12 month term | UPFRONT_PER_PLAN | 4.00% | An Establishment Fee will be charged whenever a purchase is converted to humm90//WRAP. The Establishment Fee is 4% of the purchase you convert to humm90//WRAP on a 12 month term. |
| humm90wrap Fee Establishment Fee - 15 month term | UPFRONT_PER_PLAN | 5.00% | An Establishment Fee will be charged whenever a purchase is converted to humm90//WRAP. The Establishment Fee is 5% of the purchase you convert to humm90//WRAP on a 15 month term. |
Rate history
The figures behind this chart
| From | Until | Rate |
|---|---|---|
| 2026-09-25 | 2026-09-30 (current) | 27.30% |
Published figures as captured daily since 2026-09-25. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
Instalment plan
- Instalments - 9 to 15 instalments
- Purchase size - from $250
- Instalment limit - $50,000
Who can apply
- min age - 18
- min income - 25000.00
- otherHave a clear credit file
- otherHave a valid mobile number
- residency status - Be a permanent Australian resident
Limits
- min limit - 1000.00Minimum credit limit
- max limit - 50000.00Maximum credit limit
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-07-23T07:05:14Z · Product ID: a48a6192-2ad9-4c1b-a67d-1fbde8cce5ec