BUILT TO SHOP
Long Term Interest Free Finance
WHATEVER // WHEREVER // WHOEVER
BAG IT WITH HUMM90.
Like to pay your purchase off over time? humm90 is the Long Term Interest Free finance Mastercard® that you can also use to save interest every day.
Apply online in minutes (you’ll need to be over 18, a permanent Australian resident and earning over $25,000 p.a.).
Upon approval, you’ll receive
an SMS with important
information about your
humm90 account and a 4
digit code to accept.
To authorise the purchase, you’ll need to enter the second 4 digit code SMSed to you.
Enjoy your purchase! You’ll receive a welcome pack with your card within 10 days and monthly statements showing the minimum payment and due date.
Once approved, you’ll receive a humm90 Mastercard with
// A POWER STACK OF MONEY SAVING FEATURES.
Get up to 110 interest-free1 days to pay with every tap.
Wrap purchases of $250 or more into an Interest Free instalment plan for a small fee2.
Get a 10% cashback3 on brands we all crush on in exclusive weekly sales.
Shop all around the world with no foreign exchange fees.
Shop an online marketplace of the best deals around, all in one convenient place.
// RATES & FEES.
interest for up to 110 days on
purchases (23.99% thereafter).
Interest on humm90//WRAP repayment plans for up to 15 months.
Interest on Long Term Interest Free finance at key retail partners.
1. Up to 110 days Interest Free on humm90 Mastercard purchases (excluding cash advances) when you meet the Interest Free Criteria. Failure to make the required payments will result in you no longer meeting the Interest Free Criteria meaning that all new transactions from that day will be interest bearing from the date of the transaction. Any outstanding balance after the Interest Free Period reverts to the humm90 Purchase Rate. Minimum monthly repayment required. Interest (charged at the Expired Promotional Rate) payable on outstanding balances after any Interest Free Period in relation to a Promotional Offer. View current interest rates.
2. humm90WRAP allows you to convert humm90 Mastercard purchases of $250 or more to an Interest Free Instalment Plan. humm90WRAP Fee applies which is a percentage of the total amount payable on the card purchase selected. Option of 9, 12 or 15 equal monthly instalments, owed in addition to the minimum monthly repayment. If you fail to pay a fixed monthly instalment, interest (calculated at the Card Purchase Rate) is payable on that outstanding amount. Conversion to a humm90WRAP must take place within 30 days of eligible transaction. An eligible transaction does not include cash advances, balance transfers, interest, fees, charges or commissions. All transactions converted to a humm90WRAP cannot make up 80% or more of your credit limit.
3. Cashback available on purchases made during the 24 hour period the Brand Crush promotion runs and for purchases via your humm90 Mastercard only. The cashback will be applied to your humm90 Mastercard account within 7 days. A maximum cashback of $100 applies and will be applied to your first transaction only. Approved applicants only. Fees, terms and conditions and exclusions may apply – click here for full terms www.humm90.com/au/important-information/. Only available at participating Brand Crush partners via your humm90 Mastercard app and refunds are not eligible for cash back offer. See weekly Brand Crush promotional terms for availability periods and further details.
4. Up to 60 months Long Term Interest Free Finance available only during the term of the promotional period offered, interest (charged at the Expired Promotional Rate) payable on outstanding balances after any Interest Free Period in relation to a Promotional Offer. Approved applicants only. Fees, terms, conditions and minimum finance amount apply, including $99 Annual Fee charged at the time the first debit is charged to your humm90 Account and annually on the anniversary of that date. When you have met the Interest Free Criteria, the Annual Fee must be paid in full within the Interest Free Period or it will attract interest. If you do not meet the Interest Free Criteria the Annual Fee will attract interest from the date the Annual Fee is debited to your humm90 Account. Only available at humm90 retail partners.
humm®90 provided by humm Cards Pty Ltd ABN 31 099 651 877 Australian Credit Licence number 247415.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.