humm Credit Cards

Compare the humm credit card by features, rates, and fees to guide you in making an informed decision before applying.

humm Credit Cards credit card

humm90 Platinum Mastercard

humm90 Platinum Mastercard

Balance transfer

N/A

Purchase rate

26.3% p.a. ongoing

Interest-free days

Up to 110 days on purchases

Annual fee

$119.40 p.a. ongoing

Details

  • Offers up to 110 interest-free days on in-store & online purchases.
  • No foreign exchange fees.
  • A $9.95 monthly account fee spreads the cost over the year, making it easier to manage than a lump-sum annual fee.

Pros & cons

Pros
  • humm90/WRAP enables you to convert purchases of $250 into interest-free instalments that you can repay over 9, 12, or 15 months.
  • Get up to 60 months of interest-free finance at humm retail partners.
  • Includes Purchase Protection Insurance and Price Protection Insurance.
  • Compatible with Apple Pay and Google Pay.
Cons
  • The $9.95 monthly fee adds up to $119.40 per year.
  • After 110 interest-free days, interest will be charged at 26.30% p.a. ongoing.
  • You do not earn reward points on this card.

The humm Credit Card is designed to provide users with flexible payment options to suit their financial needs.
Whether you are making a big-ticket purchase, covering everyday expenses in installments, or accessing cash advances, the humm Credit Card offers a convenient solution.

It features competitive interest rates, flexible repayment terms, and the ability to convert purchases into manageable installments.

Help choosing a humm credit card

Access personalized assistance in selecting the right humm credit card tailored to your financial needs and lifestyle preferences.

  • FAQs

What are the eligibility criteria for a humm credit card?

To qualify for a humm credit card, you typically need to meet certain income requirements, have a good credit history, and be a resident of Australia. Specific eligibility criteria may vary depending on the card issuer, so it's essential to check the requirements before applying.

How do I apply for a humm credit card?

You can usually apply for a humm credit card online through the card issuer's website. The application process typically involves providing personal information, proof of income, and consent for a credit check. Once submitted, your application will be reviewed, and you will be notified of the outcome.

What fees are associated with a humm credit card?

Humm credit cards may be subject to various fees, including annual fees, late payment fees, cash advance fees, and foreign transaction fees. It's essential to review the card's terms and conditions to understand the full fee structure before applying.

Can I use my humm credit card for overseas purchases?

Yes, you can use your Humm Credit Card for overseas purchases, and it does not charge foreign transaction fees. However, this is subject to change, so it’s important to check the latest terms and conditions occasionally.

How can I manage my humm credit card account?

You can manage your humm credit card account online through the card issuer's website or mobile app. This allows you to view your balance, make payments, track transactions, and set up alerts for account activity.

What should I do if my humm credit card is lost or stolen?

If your humm credit card is lost or stolen, it's essential to report it to the card issuer immediately to prevent unauthorized charges. Most card issuers offer 24/7 customer service hotlines for reporting lost or stolen cards and can assist you with issuing a replacement card.

Is there a grace period for payments on a humm credit card?

Humm credit cards typically offer a grace period for payments, during which you can make payments without incurring interest charges. The length of the grace period may vary depending on the card issuer and terms of the card agreement.

Can I upgrade my humm credit card to a higher credit limit?

In some cases, you may be able to upgrade your humm credit card to a higher credit limit by contacting the card issuer and requesting a credit limit increase. This request is usually subject to a credit assessment to ensure you can manage the additional credit responsibly.

As seen on

Media - The Sydney Morning Herald
Media - Yahoo Finance
Media - News.com.au
Media - Daily Mail Australia
Media - Australian Fintech
Media - Dynamic Business