humm

humm currently offers one credit card designed to suit shopping and payment flexibility needs. Here’s an overview of the humm credit card option available:

• Platinum credit cards: The humm90 Platinum Mastercard provides up to 110 days interest-free on purchases, interest-free instalment plans, and long-term interest-free finance (up to 60 months) with retail partners, alongside a $119.40 annual fee.
• Interest-free credit cards: This card offers extended interest-free periods, including 9-, 12-, or 15-month humm90WRAP instalment plans for purchases over $250, ideal for managing larger expenses.
• Retail-focused credit cards: Tailored for shoppers, the card provides access to long-term interest-free offers with partners like IKEA, Flight Centre, and Michael Hill, plus weekly cashback deals. There are also no foreign transaction fees on any international purchases.
• Digital payment credit cards: Supports mobile payments via Apple Pay, Google Pay, and Garmin Pay, offering convenient and secure transactions on the go.

The humm90 Platinum Mastercard delivers a range of benefits to enhance shopping and financial flexibility. Here are some compelling reasons to consider a humm credit card:

• Interest-free days: Enjoy up to 110 days interest-free on purchases, one of the longest periods available, helping you manage expenses without interest costs.
• humm90WRAPinstalment plans: Convert purchases of $250 or more into 9-, 12-, or 15-month interest-free plans, ideal for big-ticket items like holidays or electronics (establishment fee applies).
• Long-term interest-free finance: Access up to 60 months interest-free with retail partners like IKEA or Flight Centre, but ensure full repayment to avoid high expired promotional rates.
• Mobile payments: Add your card to Apple Pay, Google Pay, or Garmin Pay for fast, secure payments via your mobile phone or smart device.
• Enhanced security: Benefit from Mastercard SecureCode for online shopping, Mastercard Zero Liability for unauthorised transactions, and 24-hour support for lost cards or emergencies.

Eligibility requirements for the humm90 Platinum Mastercard are straightforward, with the following general criteria typically applying:

• Age: Applicants must be at least 18 years old to apply.
• Income: You must earn a minimum of $25,000 per year to qualify.
• Residency: You need to be a permanent Australian resident.
• Credit history: humm will assess your credit history to determine creditworthiness during the application process.

Check the specific eligibility criteria for the humm90 Platinum Mastercard to ensure you meet all requirements before applying.

Applying for the humm90 Platinum Mastercard is a simple process, typically completed online in about 15 minutes. Follow these general steps to apply:

1. Select a card: Review the humm90 Platinum Mastercard features to confirm it aligns with your shopping and financial needs.
2. Check eligibility: Ensure you meet the criteria, including age, income, and residency requirements.
3. Gather documents: Prepare necessary documentation, such as proof of identity (e.g., Australian passport, driver’s licence, or Medicare card), a recent bank statement, and income details.
4. Submit application: Complete the online application form on the humm website, providing accurate personal and financial information, and request a credit limit if desired (minimum $1,000).
5. Wait for approval: humm will review your application and respond within 60 seconds. If approved, you can set up a digital card for immediate use.
6. Receive card: Your physical humm90 Platinum Mastercard will arrive in the mail within 5–7 business days, along with instructions for activation and use.

Providing accurate information during the application process is essential to increase your chances of approval.

If you are looking to compare credit cards similar to humm credit cards, here are 4 alternative issuers that offer shopping perks and long interest-free periods:

• Coles credit cards
• Kogan Money credit cards
• Latitude credit cards
• Virgin Money credit cards