Credit Card Compare

humm90 Platinum Mastercard

27.30%
Purchase rate
$119
Annual fee
110 days
Interest-free

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humm90 Platinum Mastercard card
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CardIQ

67Good

Good

Overall score, out of 100 · How this works

  • 55 days interest-free70
  • No foreign fee74
  • Travel58

Customer reviews

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Pros & cons

What's good

  • Complimentary purchase protection.
  • No foreign transaction fee on overseas or online spending.
  • Up to 110 interest-free days on purchases, longer than most cards.

Worth noting

  • The 27.3% p.a. purchase rate sits in the most expensive quarter of cards (the median is 18.99% p.a.) if you carry a balance.
  • Earns no rewards points on spending.
  • No balance transfer or introductory purchase offer.

Card details

The basics

Additional cardholder fee
$10 p.a.
Card tier
Platinum
Card type
Mastercard
Card use
Personal
Credit limit
$1,000 – $50,000
Credit rating
Good
Rewards program
None

Eligibility

Instant approval
No
Joint application
Yes
Minimum age
18 years old
Minimum income
$25,000 p.a.
Residency
Australian citizen or permanent resident
Temporary residents
Not eligible

Rates & fees

Ongoing interest rates

Cash advances
28.99% p.a.
Purchases
27.30% p.a.

Fees

Additional cardholder fee
$10
Annual fee
$119 p.a.
Cash advance fee
3% of the amount
Foreign transaction fee
0%
Late payment fee
$45

Repayments

Interest-free period
Up to 110 days on purchases
Minimum repayment
3% of the closing balance or $30, whichever is greater

Balance transfers

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

This card doesn't earn rewards points. It focuses on a low cost of ownership instead. If earning points matters to you, compare frequent flyer cards and rewards cards.

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Overseas feeNo feeTied for best (1st of 200 cards)
Interest-free days110 daysBest in market (1st of 192 cards)
Annual fee$119 a yearNot as good as most cards (122nd of 200 cards)
Purchase rate27.30%Among the weakest we track (193rd of 196 cards)

Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Issuer
Humm