Terms And Conditions

Terms & Conditions

Up To 72 Months Interest Free WIth Humm90, December 2022

Approved applicants only. Fees, terms, conditions & minimum finance amount $3,300 apply, inc. $99 Annual Fee charged at the time the first debit is charged to your humm90 Mastercard Account and annually on the anniversary of that date. When you have met the Interest Free Criteria, the Annual Fee must be paid in full within the Interest Free Period or it will attract interest. If you do not meet the Interest Free Criteria the Annual Fee will attract interest from the date the Annual Fee is debited to your humm90 Mastercard Account. Up to 110 days Interest Free on humm90 Mastercard purchases (excluding cash advances) when you meet the Interest Free Criteria. Failure to make the required payments will result in you no longer meeting the Interest Free Criteria meaning that all new transactions from that day will be interest bearing from the date of the transaction. Any outstanding balance after the Interest Free Period reverts to the humm90 Mastercard Purchase Rate (currently 23.99% p.a.). Minimum monthly repayment required. Interest, (charged at the Expired Promotional Rate, currently 25.99% p.a.) payable on outstanding balances after any Interest Free Period in relation to a Promotional Offer. See humm90.com/au for current interest rates. Only available at humm90 Mastercard retail partners. Credit provided by humm Cards Pty Ltd ABN 31 099 651 877 Australian Credit Licence number 247415. Offer valid from 2/12/22 to 1/1/23.

Additional Terms and conditions:

1. Up to 110 days Interest Free on humm90 Mastercard purchases (excluding cash advances) when you meet the Interest Free Criteria. Failure to make the required payments will result in you no longer meeting the Interest Free Criteria meaning that all new transactions from that day will be interest bearing from the date of the transaction. Any outstanding balance after the Interest Free Period reverts to the humm90 Purchase Rate, currently 23.99% p.a. Minimum monthly repayment required.

2. humm90WRAP allows you to convert humm90 Mastercard purchases of $250 or more to an Interest Free Instalment Plan. A fee applies, calculated as a percentage of the total amount payable on the card purchase selected. Total amount payable by 9, 12 or 15 equal monthly instalments, in addition to the minimum monthly repayment. If you fail to pay a fixed monthly instalment, interest (calculated at the humm90 Purchase Rate, currently 23.99% p.a.) is payable on that outstanding amount. Conversion to a humm90WRAP must take place within 30 days of eligible transaction. An eligible transaction does not include cash advances, balance transfers, interest, fees, charges, or commissions. All transactions converted to a humm90WRAP cannot make up 80% or more of your available credit limit.

3. Cashback available on purchases made during the 24-hour period the brand crush promotion is offered, and for purchases made via your humm90 Mastercard only. The cashback will be applied to your humm90 Mastercard account within 7 days. Exclusions may apply. Only available at participating brand crush partners via your humm90 Mastercard app. See weekly brand crush promotional terms for availability periods and further details.

4. Up to 60 months Long Term Interest Free Finance (LTIF) available only during the term of the promotional period offered, interest (charged at the Expired Promotional Rate, currently 25.99% p.a.) payable on outstanding balances after any Interest Free Period in relation to a Promotional Offer. Only available at humm90 retail partners. LTIF terms may vary depending on the humm90 retail partner.

humm®90 provided by humm Cards Pty Ltd ABN 31 099 651 877 Australian Credit Licence number 247415.

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