This was posted 2 years 5 months 27 days ago, and might be an out-dated deal.

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humm90 Platinum Mastercard: $400 Cashback on $4000 Spend within 120 Days, $99 Annual Fee ($0 First Year)

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humm90 Platinum Mastercard: $400 Cashback on $4000 Spend within 120 Days, $99 Annual Fee ($0 First Year)
Go to Deal
LUltramup on 02/11/2021 - 23:59 humm90.com (643 clicks)
Last edited 03/11/2021 - 20:40 by 1 other user
$400 BACK When you spend $4,000 on humm90 within first 120 days
  • $0 Annual Fee for the first year ($99 thereafter)
  • 0% interest for up to 110 days (23.99% thereafter)
Eligibility criteria
  • Be 18+ years old
  • Earn $25,000+ p.a
  • Have a clear credit file
  • Be a permanent Australian resident
  • Have handy your mobile number, email address and your Australian driver’s licence or Australian passport
Some T&Cs
  • Eligible card spend transactions do not include cash advances, balance transfers, Long-term Finance purchases, IKEA card swipe transactions over $250 and Electronic Funds Transfer (EFT).
  • $400 will be credited to your account within 30 days of Offer End Date
Financial Cashback Credit Card MasterCard

Related Stores

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MasterCard AU
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closed Comments

  • Robin2012 on 03/11/2021 - 00:12

    great. 110 days free

  • Manny Calavera on 03/11/2021 - 00:17

    Anybody stupid enough to fall for "Interest Free! (but there's an establishment fee calculated on a percentage basis)" deserves what they get.

  • lawbee on 03/11/2021 - 00:18
    +1

    Is it normal that they charge $20 for Card Replacement Fee? I don't recall being charged to replace lost cards from major banks

    • Froot Loops on 03/11/2021 - 03:27

      It was 2 decades back

  • bdl on 03/11/2021 - 01:05
    +1

    From T&Cs:

    A cardholder with a credit limit of $1000 will need to spend the entire card limit and repay the card balance in full each month in order to reach the minimum spend. Transactions may take up to 3 days to clear.

  • bdl on 03/11/2021 - 11:15

    Their "check your bank accounts" Illium system is horrible, needed to disable 2FA and then it took the details from the wrong account.

    Have used Illium in the past with 2FA and it's been able to select which bank account I wanted to download info from, so it's definitely an integration issue coded by humm90.

  • Homr on 03/11/2021 - 17:10

    westpac is $650 rebate with $3000 spend

  • JF1 on 05/11/2021 - 09:26

    This is perhaps a better deal then people might think - no fee and no international transaction fee. Pretty good for those heading overseas!

    • Sarinella on 05/11/2021 - 10:28

      where does it say about no international transaction fees? I can't find it

  • peter05 on 05/11/2021 - 14:36

    I received a letter with the offer after signing up and in addition to the above excluded payment types they added in BPAY payments as well!

    Beware before signing up!

  • firestint on 09/11/2021 - 20:25

    Interesting IKEA purchase over $250 is singled out as excluded. Is it because many buy and return??

  • mutnyi2001 on 10/11/2021 - 16:59

    Weird application process, and weird support (unsupport) staff.

  • Homr on 12/11/2021 - 20:47

    I got rejected

    • rottenpotato123 on 30/11/2021 - 19:12

      How come you got rejected?? How was a credit history? I'm keen to apply as well. As I'm buying around 5k stuff(GOODS) on December and don't wanna miss 400 cashback. What does Have a clear credit file means i had a good credit score of 647 do you think i will get approved?? Can anyone please shed some light here.cheers!!

  • fightshatner on 14/11/2021 - 09:10
    +1

    Signed up very quickly, system is ok, but just noticed I've got charged the $99 - beware!

    Edit: horrendous "live chat". First they denied it was an invalid charge, then took 25 mins to get them to 'send an email to the relevant team'.

    • Ultramup on 14/11/2021 - 13:54

      No charge for me - i'll look out for it. Does have some quirks though, like not being able to tap on the first use (thought the card was not working).

    • fightshatner on 25/11/2021 - 19:11

      Just had my fee refunded after a 11 day wait ho-humm

      Also to note the app on android is a bit weird and transactions dont load very smoothly

      Ditching this as soon as (i hope) the cashback is paid

  • marc171 on 17/11/2021 - 12:22

    Looks like govt charges are eligible purchases? Don't see them excluded in the terms and conditions. Can someone confirm?

    • BarginBandit on 19/11/2021 - 15:45

      "Eligible card spend transactions do not include cash advances, balance transfers, Long-term Finance purchases, IKEA card swipe transactions over $250, Electronic Funds Transfer (EFT) & BPAY Online payments"

      As long as you don't use BPAY to pay for them they would appear to qualify.

  • irmalik on 18/11/2021 - 20:19
    +1

    I was charged annual fee. I am not sure if I will receive cashback either. May be I will get annual fee and cashback both at the end of offer. Already spent 4k+

    • BarginBandit on 19/11/2021 - 15:44

      Just went through the application and cancelled it as I noted the $99 annual fee was there also. I think the issue at the end of the application I was offered the humm90 Mastercard and not the "humm90 Platinum Mastercard" which is what the promotion is for to waive the $99 fee, and of course that was what I clicked on. I did opt in for a very low credit limit which may have triggered this, but there was nothing in the application process that disclosed this.

      I think it's deceptive to have a promotional offer like this, and then substitue a different card in with fees attached to it.

  • irmalik on 19/11/2021 - 15:55

    I got humm90 Platinum card and still got charged 99 annual fee. I was hoping $0 annual fee for the first year. I am going to call them and provide update here.

    • BarginBandit on 19/11/2021 - 16:28

      I just went through the application process again, I requested a 4k credit limit on the card this time (last time it was 2k). I got to the acceptance stage where I need to enter in my agreement to the conditions.

      Once again, product name is "Humm90 Mastercard". This would appear to be a different product that then humm90 Platinum Mastercard that I applied for.

      Annual fee is listed as $99 (which is true for the Platinum as well), but then it specifically mentions the fee will be charged at the time the first debit is charged to your humm90 Account and annually on the anniversary fo the date.

      I talked to them via the chat and they said that the promotion gets applied regardless of the terms and conditions, and there's no difference between the Humm90 Mastercard and the Humm90 Platinum Mastercard - they are the same product.

      I've saved a copy of the chat.

      • marc171 on 30/11/2021 - 14:22

        Is it possible that it is just the naming of the card? I went and check Humm90 website and they only offer 1 card - no mention of just the Humm90 Mastercard. Having said that, i didn't pay too much attention at the end of the application to notice whether it is saying Humm90 Mastercard or Humm90 Platinum Mastercard.

        • BarginBandit on 30/11/2021 - 14:30
          +1

          Yeah…I updated my comment above and clarified that it is indeed the same card, they just refer it to two different names.

  • irmalik on 22/11/2021 - 13:25

    I called customer services and I was told that it will take 2 working days for them to know if I am eligible for waving first year fee and also if I am eligible for cashback. I am planning to follow up again tomorrow. The communication wasn't straight forward lots of hmmm aaan.

    • jimwh on 23/11/2021 - 16:25

      any update? are they strict on the income? my wife has casual job and just pass the $25000 mark.

  • lukebr on 23/11/2021 - 17:40
    +1

    Ive signed up for this card and also realized last week i was charged the annual fee.

    Agreed with others on the horrendous live chat.

    Ive had no luck so far removing or even getting them to acknowledge the incorrect annual fee was charged. I have tried over livechat, phone and email in the past week.

    DO NOT SIGN UP FOR THIS CARD unless you enjoy headaches!

    • Homr on 24/11/2021 - 17:30

      Thanks for the heads up, will not sign up

  • Ultramup on 25/11/2021 - 18:17

    Spoke to them and they refunded a the annual fee the day after.

    As OP I agree this deal is very poorly set up. I can only suggest you take screenshots of the deal page which is currently still up.

  • irmalik on 26/11/2021 - 11:53

    I called again today and the rep said they would request internal dep for refund the annual fee.

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