humm90 Mastercard

• Credit history. You should only apply for this card if you have clean credit file without any black marks (such as defaults or previous bankruptcy listings). You can check your credit score for free through Finder.
• Age. You must be at least 18 years old to apply.
• Balance transfers. You can request a balance transfer for a minimum of $500 up to 90% of your approved available credit limit on this card. You can transfer balances from Australian credit cards, charge cards or store cards. You must request the balance transfer at the time of your application to be eligible for this offer.

Required documents

• Personal information. This includes your full name, date of birth, residential address, email address and phone number.
• Identification. You'll need to provide details of your Australian driver's licence, Medicare card or Australian passport to help verify your identity.
• Employment details. This includes your current position at work, your salary and your employer's contact details. You'll also be asked to provide a recent bank statement to help verify your income. You can do this by emailing humm after submitting the application or by securely signing into your bank account during the application.
• Financial details. As well as your salary, you'll need to share details of any other forms of income and assets such as savings. You'll also need to include details of any existing debts, such as loans or credit cards as well as estimates of everyday expenses such as rent and bills.

• 0% foreign transaction fees. The humm90 Mastercard doesn't charge a foreign transaction fee when you're travelling overseas or shopping online with an international retailer. This can save you around 2-4% per transaction compared to some other credit cards and debit cards. But keep in mind that overseas ATM withdrawals with this card would still attract cash advance rates and fees.
• Interest-free instalment plan options. The humm90 Mastercard offers interest-free instalment plans of 9-, 12- and 15-months for purchases of $250 or more – known as humm90WRAP. These instalment plans attract an establishment fee as a percentage of the purchase amount (3% for a 9-month plan, 4% for a 12-month plan and 5% for a 15-month plan).
• Long-term interest-free offers. This card gives you access to exclusive interest-free offers for up to 60 months, with partnered brands including Flight Centre and IKEA. Known as LTIF, you can see current offers on the humm90 website.
• Mobile payment technology. You can easily make payments upon check out using an eligible device if you register this card to your Apple Pay or Google Pay wallet.

• Cash advance rate. The humm90 Mastercard has a cash advance interest rate of 25.99% p.a. This rate applies to cash advance transactions and cash withdrawals from the date they are made. It is also the same rate that applies to any remaining balance transfer debt at the end of the introductory period.
• Cash advance fee. If you use this credit card for a cash advance transaction, you'll be charged a cash advance fee of 3% or $30 (whichever is greater).
• Promotional rates. Occasionally, humm may offer you a promotional interest rate for certain transactions or for a specific period of time. When that's the case, the promotional rate will apply for spending that meets the terms and conditions of the offer.
• Payment handling fee. A fee of $0.95 applies each time you make a payment to the account via BPAY.
• Additional cardholder fee. Request up to 4 additional cardholders added to your humm90 Mastercard account for $10 per card.
• Instalment payment plan fee. If you request a humm90WRAP instalment payment plan, you'll be charged a fee that's calculated as a percentage of the total amount payable on the card purchase selected (3% for a 9-month plan, 4% for a 12-month plan and 5% for a 15-month plan).