Humm90 Platinum Credit Card: Unlock Flexible Financing and Interest-Free Options – Black Cash

Humm90 Platinum Credit Card: Unlock Flexible Financing and Interest-Free Options




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The Humm90 Platinum Credit Card, issued by humm®, offers a unique combination of features that cater to savvy shoppers looking for interest-free financing and rewards. Here’s a breakdown of everything you need to know:

Features and Services:

  • Up to 110 Days Interest Free: Enjoy a long interest-free period on everyday purchases, giving you breathing room to manage your finances.
  • Interest-Free Instalment Plans (humm90WRAP): Convert purchases of $250 or more into interest-free instalments spread over 9, 12, or 15 months for a small establishment fee.
  • No Foreign Transaction Fees: Shop overseas or online without incurring additional charges on foreign transactions.
  • First Year Annual Fee Waiver: New cardholders get the first year’s annual fee waived, reducing your upfront costs.
  • Mastercard® Acceptance: Use your card virtually anywhere Mastercard® is accepted, both in Australia and internationally.
  • Mobile App: Manage your account on the go with the user-friendly humm®90 app. Track your spending, view statements, and make repayments conveniently.

Reward Policy:

The Humm90 Platinum Credit Card doesn’t offer a traditional rewards program with points or miles. However, the extended interest-free period and flexible instalment plans can be considered significant rewards in themselves, allowing you to stretch out payments and save on interest charges.


The Humm90 Platinum Credit Card has received positive reviews for its long interest-free period, no foreign transaction fees, and the option to convert purchases into interest-free instalments. However, some users mention a higher purchase interest rate compared to traditional rewards cards after the interest-free period ends.

Safety Measures:

Humm® employs industry-standard security measures to protect your financial information. These include:

  • Secure login protocols
  • Fraud monitoring and alerts
  • Tokenization for safer online transactions

Mobile and Internet Banking:

Manage your Humm90 Platinum Credit Card with ease through the humm®90 mobile app and online portal. You can:

  • View your account balance and transaction history
  • Make repayments
  • Set up automatic payments
  • Temporarily lock your card
  • Access customer support

Credit Card Application Criteria:

To be eligible for the Humm90 Platinum Credit Card, you’ll need to meet humm®’s credit assessment criteria. While the specific requirements aren’t publicly available, they likely include factors like your income, employment status, and credit history. You can find the application form on the humm® website.


  • What is the interest rate after the interest-free period? Refer to the humm® website or your card agreement for the current interest rate information.
  • Are there any fees associated with humm90WRAP? Yes, a small establishment fee applies when converting purchases into instalments.
  • How do I make repayments? You can make repayments through the humm®90 app, online portal, BPAY, or via mail.

Is the Humm90 Platinum Credit Card Right for You?

This card is a good option for those who:

  • Prioritize interest-free financing options
  • Frequently shop online or overseas
  • Want a flexible card for managing larger purchases