humm90 Mastercard

The humm90 Mastercard, formerly known as the Skye Mastercard, is a credit card product provided by hummgroup. In addition to credit cards, hummgroup also provides buy now pay later services and leasing products.

What credit cards does hummgroup offer?

hummgroup offers the humm90 Mastercard to Australian consumers. Here are more details about it, as offered at the time of writing:

humm90 Mastercardhumm90 Mastercard


  • Card type: Mastercard
  • Minimum credit limit: $1,000
  • Annual fee: $99
  • Purchase rate: 23.99% p.a.
  • Interest-free period: Up to 110 days
  • Cash advance rate: 25.99% p.a.
  • Minimum repayments: humm group says that an unpaid balance of $30 or less must be paid in full for each statement period. Otherwise, the minimum payment for each statement period is the greater of 3% of the unpaid balance or $30,00, whichever is greater. You must also pay overdue repayments, plus the amount (if any) by which the unpaid balance exceeds your credit limit, and any scheduled instalment repayments.
  • Late repayment fee: $35
  • Contactless payments: humm group says that your humm90 Mastercard can be added to your digital wallet.
  • Security: hummgroup says if you have concerns your account security has been compromised, to call them immediately on 1300 115 533
  • Additional: Long-term interest free deals with partner retailers for up to 60 months, the ability to convert purchases of $250 or more into instalment plans via the humm90 app.

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humm90 credit cards FAQ

What are the eligibility requirements for the humm90 Mastercard?

To be eligible for a humm90 Mastercard, you need to be 18 years old or over and an Australian citizen or permanent Australian resident. According to hummgroup, applicants must earn at least $25,000 annually and have a clear credit file. You will also need details such as your mobile number, email address, and driver licence or passport number. Other criteria may also apply, so contact humm group for more information.

How do you apply for a humm90 Mastercard?

Before applying, consider the eligibility criteria, plus whether a credit card is generally suitable for your needs. You can also compare a wide range of credit cards using Canstar’s comparison tables.

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If you do choose to apply for a humm90 Mastercard, and you meet the eligibility criteria, you can apply online. You will be required to provide an email address, a mobile phone number and either an Australian driver licence or Australian passport. Other information you may need on hand includes your personal details, employment details, assets, liabilities and living expenses.

How do you activate a humm90 Mastercard?

You will need to activate your humm90 Mastercard when it arrives before you can use it. You can do this by logging into the my humm90 portal and activating your card online, or by calling 1300 115 533.

Can you manage a humm90 Mastercard through online banking?

You can manage your humm90 Mastercard through the my humm90 online self-service portal or via the humm90 App, which is available for both Apple and Android devices. The humm90 app allows you to activate and manage your cards, check transactions as they happen, download statements and set up a humm90WRAP instalment plan, send your card to your digital wallet and access the humm90 marketplace, for curated deals.

How is interest calculated on a humm90 Mastercard?

When interest is charged:

Interest is charged when you carry a balance on your humm90 Mastercard beyond the month pay cycle. Interest is charged on cash advances daily from the date the transaction is made until the date the transaction is paid in full.

When interest is not charged:

At the time of writing, the humm90 Mastercard offers an interest free period of up to 110 days if you make the required minimum monthly repayments on the card and meet the interest-free criteria. Visit the hummgroup website to view the full terms and conditions for the interest-free criteria.

What is the credit limit on a humm90 Mastercard?

Your credit limit for a humm90 Mastercard will be determined based on the information you provide in your application, keeping in mind that hummgroup says the maximum credit limit is $50,000.

hummgroup says you can apply to increase your credit limit by calling 1300 115 533, for assistance with a credit limit increase. You can also request to reduce your credit limit at any time, either by phone or using the my humm90 online portal. Hummgroup reserves the right to reduce your credit at any time without notice. hummgroup also says that it may set a minimum credit limit for your account, and if you seek to reduce your credit below this minimum, they may decide not to provide you with further credit, and cancel your humm90 Mastercard.

How do you close a humm90 Mastercard?

After your humm90 account is paid in full, you can request to close your humm90 Mastercard by contacting hummgroup on 1300 115 533, or alternatively, you can make a request to close your account via an online form.

About hummgroup

hummgroup is a fintech company specialising in credit and buy now pay later products. At the time of writing, hummgroup says it has 2.7 million customers across Australia, New Zealand, the UK and Ireland at the time of writing.

This content was reviewed as part of our fact-checking process.

Written by: Alasdair Duncan | Last updated: December 21, 2021