humm90 Platinum Mastercard
3.8
Highlights
- 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 and cons
Pros
Cons
About this credit card
Basics
Card usage
Apple Pay Enabled
Yes
Card Type
Mastercard
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes
Eligibility
Joint Application Accepted
Yes
Minimum Age
18 years
Minimum Credit Rating
Good
Minimum Income
$25,000.00
Temporary Residents Accepted
No
Additional cardholders
Additional Cardholders
4
Additional Card Fee Ongoing
$10.00
Credit limits
Minimum Credit Limit
$1,000.00
Maximum Credit Limit
$50,000.00
Repayments
Interest Charged From
Purchase date
Interest Free Period
Up to 110 days on purchases
Minimum Repayment Percentage
3%
Balance transfers
Balance transfer offer
Balance Transfer Rate
N/A
Balance Transfer Period
N/A
Balance Transfer Fee Percentage
N/A
Balance transfer conditions
Balance Transfer From Personal Loan
N/A
Balance Transfer Limit Percentage
N/A
Balance Transfer Revert Rate
N/A
Rates, fees, charges
Cash advances
Cash Advance Rate
26.49% p.a.
Cash Advance Fee
$3.00
Cash Advance Fee Percentage
3%
Cash Advance Fee Threshold
N/A
Purchases
Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
26.3% p.a.
Account fees
Annual Fee Initial Year
N/A
Annual Fee Ongoing
$119.40
Dishonour Fee
$15.00
Duplicate Statement Fee
$5.00
Foreign Exchange Fee Percentage
0%
Late Payment Fee
$35.00
Rewards
Rewards program basics
Rewards Program
N/A
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A
Rewards points per $1 spent
Domestic Rewards Points Earn Rate
N/A
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
N/A
Additional perks
Insurance
Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
No
Cardholder's International Travel Insurance
No
Cardholder's Interstate Flight Inconvenience
No
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
Yes
Cardholder's Purchase Protection Insurance
Yes
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
No
Travel and lifestyle
Airport Lounge Access Included
No
Concierge Service Included
No
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
N/A
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The basics
- Additional cardholders. Add up to 4 additional cardholders for just $10 p.a. each.
- Digital wallets. This card is compatible with Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.
- Gambling transactions. Gambling transactions are not allowed on the humm90 Platinum Mastercard.
Rewards and benefits
- Complimentary travel insurance. The humm90 Platinum Mastercard does not include an international travel insurance policy.
- Concierge services. This card does not include a 24/7 concierge service, which is common for premium cards.
- Insurances. Comes with Price & Purchase Protection insurance for added security on eligible purchases.
- Rewards points. This credit card does not have a rewards program.
- Sign-up bonus. There is no sign-up bonus for this card at this time.
Rates and fees
- Annual fee. The humm90 Platinum Mastercard has a $9.95 monthly fee, totaling $119.40 per year.
- Balance transfers. Available, but there is no introductory balance transfer offer.
- Cash advances. Cash advances on the humm90 Platinum Mastercard will be charged at 26.49% p.a.
- Foreign exchange fee. This card has no foreign transaction fees, so you won't be charged any additional fees or commissions when making international purchases.
- Interest-free period. The humm90 Platinum Mastercard offers up to 110 days interest-free on all purchases, excluding cash advances, when you have paid the account balance in full by the due date or have made the required minimum repayments.
- Purchases. There is no introductory offer on purchases with the humm90 Platinum Mastercard. Purchases will attract the ongoing interest rate of 26.30% p.a. However, you can save interest by putting purchases for more than $250 on an interest-free installment plan over 9, 12, or 15 months.
Reviewed by Credit Card Compare Staff
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