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.

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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

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 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, terms, conditions & minimum finance amounts apply, incl. $99 Annual Fee charged at the time the first debit is charged to your humm90 Mastercard 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 Mastercard Account. 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 Mastercard 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. See for current interest rates. Only available at humm90 Mastercard retail partners. Credit provided by humm Cards Australia Pty Ltd ABN 31 099 651 877 Australian Credit Licence number 247415.