hummhumm90
The humm90® Platinum Mastercard® offers flexible Interest Free options and can be used everywhere Mastercard is accepted both in Australia and internationally.
At a glance
- Purchase rate
- 27.30%
- Cash advance
- 28.99%
- Interest-free days
- 1800
How it compares
This credit card in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This credit card | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Any credit cardOngoing purchase rate, not introductory offers | 27.30% | 7.49%Unity Bank's Low Rate Visa Credit Card | 12.95%of 51 institutions | 51st lowest of 51 |
Rates
Every rate humm publishes for this credit card, 3 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Cash advance | P&I | - | - | 28.99% | - | - |
| Penalty | P&I | - | - | 28.99% | - | 28.99 |
| Purchase | P&I | - | - | 27.30% | - | - |
Fees
12 fees published, grouped by when they're charged.
- When you take it outVaries3 fees, each listed below
- While you hold it$9.95Monthly Fee
- When you close it or pay it offNo fee published
When you take it out3
- humm90wrap Fee Establishment Fee - 12 month term
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.
4.00% of balance - humm90wrap Fee Establishment Fee - 15 month term
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.
5.00% of balance - humm90wrap Fee Establishment Fee - 9 month term
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
3.00% of balance
While you hold it1
- Monthly Fee
Charged at the time your humm90 Account is created and monthly thereafter.
$9.95
When you make a transaction2
- Cash Advance Fee
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 percentag…
3.00% of balance - Payment Handling Fee
Charged each time a payment is made via BPAY to pay your account.
$0.95
If a payment is late or fails2
- Payment Dishonour Fee
Charged when a payment is dishonoured.
$15 - Late Payment Fee
Charged when an amount owing is not paid by the due date.
$45 45 days after it's due
When particular things happen2
- Card Replacement Fee
Charged when you ask us to replace a humm90 Mastercard.
$20 - Urgent Card Replacement Fee
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.
$20 to $200
Other fees2
- Additional Cardholder Fee
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…
$10 - Paper Statement Fee
Per statement, charged for each paper statement we provide you.
$5
Features
Eligibility and limits
- Minimum age 18
- Residency: Be a permanent Australian resident
- Minimum income $25,000
- Amount $1,000 to $50,000
- Have a clear credit file
- Have a valid mobile number
Compare it with others
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Published by humm under the Consumer Data Right, last changed by them on 23 July 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.