SHOP INTEREST FREE WITH HUMM90

The humm90 Mastercard® is an Interest Free credit card, that gives you up to 110 Interest Free* days to pay, every time you tap it for a purchase. To maximise your Interest Free days, make purchases at the start of each statement cycle.

It’s easy to apply online and takes only a few minutes.

To find out if you meet the eligibility criteria, we recommend you visit the humm90 website here.

humm90
cool finance logo

Frequently Asked Questions

Anyone can apply for a humm90 Mastercard® as long as they are:
  • 18+ years old
  • Earn $25,000+ p.a.
  • An Australian citizen or permanent resident of Australia
  • Clear credit file

It is a period of time in which you do not have to pay any interest on your humm90 Mastercard purchase. This applies only to purchase where the offer is available, and not to other transactions. Interest is payable on any balance outstanding after the Interest Free Term at the Expired Promotional Rate applicable to your humm90 account and any other humm90 Mastercard transaction which does not have the benefit of the interest free offer.

We genuinely want to hear suggestions for improvement and be given the opportunity to resolve any situations, confusions or complaints that may arise. If your complaint is not resolved by the Customer Service Team, refer your complaint to our Customer Relations Complaints Team by calling 1300 858 608 9am-5pm, Monday-Friday or emailing CustomerRelations.Complaints@Flexigroup.com.au

If you are unhappy with the resolution of your complaint by our Customer Relations Complaints team, the Australian Financial Complaints Authority (“AFCA”) helps individuals and small business customers resolve problems and disputes with their financial service provider, and its use is free for individual customers. AFCA can be contacted online at www.afca.org.au via telephone at 1800 931 678 or in writing through GPO Box 3, Melbourne, VIC 3001 (Australia.

For more Frequently Asked Questions visit the humm90 website.

Terms & Conditions

*

Approved applicants only. Fees and charges apply, including a $99 annual fee that applies on account opening. Applicants who enter into their Credit Contract on or after 1 October 2024 will be charged a monthly fee of $9.95 instead of an annual fee, and existing customers will be transitioned on a rolling basis. T&Cs and minimum finance amount applies. For Long Term Interest Free purchases: Minimum monthly payments must be made by the due date each month, otherwise interest at the humm90 Expired Promotional Rate (currently 26.49%) applies. For other purchases: Up to 110 days interest free and payment holiday can apply (excluding purchases we treat as cash advances), after which minimum monthly payments are required. Interest at the humm90 Purchase Rate (currently 26.30%) applies if purchase amount is not repaid within Interest Free Period or if other Interest Free Criteria are not met. All fees, charges and interest rates are current as at June 2024 and subject to change – see humm90.com/au. Credit provided by humm Cards Pty Ltd ABN 31 099 651 877 Australian Credit Licence number 247415.