Connecting to better
Humm90 Platinum Mastercard
Bonus Point
Interest Rates
0
26.3
Reward Point
N/A
Annual fee
$0 first year ($119.40 after)
Pros.
Receive $400 cashback
No monthly fees for the first 12 months
Enjoy up to 110 days interest-free on everyday purchases
Convert purchases of $250 or more into 9-, 12-, or 15-month 0% p.a. instalment plans
No foreign transaction fees
Cons.
Cons:
High purchase interest rate of 26.3% p.a.
Steep 26.49% p.a. interest rate on cash advances
$0.95 fee for BPAY repayments
The humm90 Mastercard provides various interest-free options for your spending, along with 0% foreign transaction fees and global acceptance through the Mastercard network. However, its 26.3% p.a. purchase interest rate is higher than that of most credit cards in Australia when applied.
Details
Product Details
Product Name
Humm90 Platinum Mastercard
Balance transfer rate p.a.
N/A
Balance transfer limit
N/A
Purchase rate p.a.
26.3
Interest-free days
Up to 110 days on purchases
Cash advance rate p.a.
N/A
Min credit limit
$1,000
Card type
Mastercard
Fees & Charges
Annual fee
$0 first year ($119.40 after)
Minimum monthly repayment
N/A
Late payment fee
$35
Foreign currency conversion fee
Foreign currency conversion fee 3%
Cash advance fee
3%
Overseas cash advance fee
3% or $3, whichever is greater
Additional cardholder fee
$10
Number of additional cardholders
4
Eligibility
Available to temporary residents
No
Minimum income
$25,000
Joint application
Yes - Conditions apply
Rewards
Rewards program
N/A
Bonus points
0
Rewards points per $ spent
N/A
Rewards points cap
N/A
How to Apply
Eligibility Criteria
Exclusive Offer: This offer is only available when you apply through the Finder link and use the promo code 400BACK.
Minimum Income: You must earn at least $25,000 per year to be eligible.
Residency: Applicants must be Australian citizens or permanent residents.
Credit History: A clean credit file is required, meaning no defaults, bankruptcies, or other negative marks. 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: Your full name, date of birth, residential address, email, and phone number.
Identification: Provide details from an Australian driver’s licence, Medicare card, or passport for identity verification.
Employment Details: Include your job title, salary, and employer’s contact details. A recent bank statement may be required to verify income, which can be submitted via email to humm after applying or by securely linking your bank account during the application process.
Financial Information: List all sources of income and assets (e.g., savings), along with details of existing debts (e.g., loans, credit cards) and estimated living expenses such as rent and bills.
Card benefits
Eligibility Criteria
Exclusive Offer: This offer is only available when you apply through the Finder link and use the promo code 400BACK.
Minimum Income: You must earn at least $25,000 per year to be eligible.
Residency: Applicants must be Australian citizens or permanent residents.
Credit History: A clean credit file is required, meaning no defaults, bankruptcies, or other negative marks. 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: Your full name, date of birth, residential address, email, and phone number.
Identification: Provide details from an Australian driver’s licence, Medicare card, or passport for identity verification.
Employment Details: Include your job title, salary, and employer’s contact details. A recent bank statement may be required to verify income, which can be submitted via email to humm after applying or by securely linking your bank account during the application process.
Financial Information: List all sources of income and assets (e.g., savings), along with details of existing debts (e.g., loans, credit cards) and estimated living expenses such as rent and bills.
Rates & fees
Monthly Fee: Outside of promotional offers, the humm90 Mastercard charges a monthly fee of $9.95. If you use the card every month, this amounts to $119.40 annually.
Purchase Rate: The standard purchase interest rate is 26.3% p.a., which is higher than the average standard credit card interest rate of 20.99% p.a. (based on RBA data).
Cash Advance Rate: The cash advance interest rate is 26.49% p.a. This rate applies to cash advances and cash withdrawals from the moment they are made.
Cash Advance Fee: A fee of 3% or $30 (whichever is higher) applies to cash advance transactions.
Promotional Rates: From time to time, humm may offer promotional interest rates for specific transactions or time periods. When available, these rates apply to spending that meets the terms and conditions of the offer.
Payment Handling Fee: A fee of $0.95 is charged each time you make a payment via BPAY.
Additional Cardholder Fee: You can add up to 4 additional cardholders to your humm90 Mastercard account. Each additional cardholder incurs a $10 annual fee.