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The humm90 interest rates and Late Payment Fee will change, effective from 6 March 2026.

The humm90 Purchase Rate will be 27.30% p.a.
The Expired Promotional Rate will be 28.99% p.a.
The Cash Advance Rate will be 28.99% p.a.
The Late Payment Fee will be $45

For more information, please refer to Help & Support.

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Eligibility

It's easy to apply online and takes only a few minutes.

If you do not meet the eligibility criteria below we recommend you do not proceed with this application.

Who can apply

  • 18+ years old
  • Earn $25,000+ p.a
  • Permanent Australian resident
  • Clear credit file

Information needed

  • Mobile phone
  • Either an Australian driver's licence or Australian passport (mandatory)
  • Medicare card (optional)

By proceeding with this application, you acknowledge that you are applying for a credit card and that humm Cards Pty Ltd will conduct credit checks with credit reporting bodies for the purposes of assessing this application.

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