This was posted 6 months 13 days ago, and might be an out-dated deal.

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Humm90 Platinum Mastercard: $400 Cashback after $4000 Spend in 60 Days, $9.95/Month Fee ($0 for First 12 Months)

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Humm90 Platinum Mastercard: $400 Cashback after $4000 Spend in 60 Days, $9.95/Month Fee ($0 for First 12 Months)
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timhn on 30/03/2025 - 21:21 humm90.com (2498 clicks)
Last edited 14/04/2025 - 11:53 by 2 other users
400BACK

While searching for a credit card and found this on Finder.

https://www.finder.com.au/credit-cards/humm-credit-cards/hum…

From Finder website:

Offers $400 back, $0 monthly account fees for the first 12 months, long interest-free offers and no foreign transaction fees on purchases.

The humm90 Mastercard offers one of the longest interest-free periods for everyday purchases. It gives you up to 110 days interest-free from the start of each statement period, which is much longer than the 44 or 55 days offered by most other cards. But keep in mind that the 26.3% p.a. purchase rate is much higher than most cards on the market. Exclusive offer: If you’re a new customer, you can currently get $400 back when you apply via Finder by 13 April 2025, use the code 400BACK and spend $4,000 on eligible purchases in the first 60 days.

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Seems a decent cashback deal if you are about to go on holidays (and can spend $4K within 60 days) as this has no international transaction fees - instead using the no fx fees CC from Bendigo, Bankwest, etc.

Mod Edit 14/4: Offer extended to 11:59pm AEDT on 27/04/2025

Financial Cashback Credit Card MasterCard

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closed Comments

  • XedeX on 03/04/2025 - 14:26

    i applied and got approved for the card just now. However, it showed monthly fee as $10 and no in the rates and fee schedule that they sent, and no where in the documents that they sent i could find that the monthly fee is waived off for the first month. I have contacted them to clarify.

    But anyone else noticed this ?

    • Amit Goyal on 03/04/2025 - 15:05

      Yes same with me. Got nothing in the documents. Emailed them to clarify.

  • notbhed on 03/04/2025 - 17:25
    +1

    Bit dodgy - I applied and got approved for the card. However, there is a monthly $10 fee in the credit contract they sent and no mention of the $400 bonus.

    • GabrielB on 04/04/2025 - 08:55

      Same and I've had no reply to my email asking to clarify.

    • Cheehoo on 05/04/2025 - 11:55

      Did you use promo code on application?

      • notbhed on 06/04/2025 - 19:04

        Yeah 100% did

    • DBW on 07/04/2025 - 11:15

      Hey mate, have your heard anything from them? I was having the same question and only sent an email to hello@humm90.com this morning.

      • notbhed on 07/04/2025 - 11:25
        +1

        Haven't heard back at all - sent an email last week. Might just go with another card - too many red flags haha

      • Cheehoo on 08/04/2025 - 19:33

        I asked them on chat, they confirmed it will apply

        • DBW on 11/04/2025 - 10:49
          +1

          Thank you for the confirmation! I also received a response via email and they confirmed in writing that the waiver of monthly charge was applied for the first 12 months, as well as the 400 cash back promotion.

  • pork on 04/04/2025 - 09:14

    Also I'm yet to receive the card I applied for last weekend… the spend must be made within 60 days of approval, and we're now on day 5 with no way to spend. Could be part of the strategy.

    • chanhoz on 04/04/2025 - 11:55
      +1

      just spend on shopback giveaway, should shave off at least 1k that way.

    • Geelong2017 on 08/04/2025 - 13:34

      Have you received the card yet or not mate ??

      • pork on 08/04/2025 - 14:38
        +1

        Yup, took 5 or 6 days.

        Couple of observations: the card got blocked twice in the first 24 hours I was using it (buying gift cards). The first time I got a notification it was blocked, the second time I just had to… guess. When I called up to have a whinge they reactivated it within 15 minutes.

        The card doesn't work well on some American websites. There's a Mastercard security check and this card doesn't always pass it. Some of the time it's possible to get around it by paying with PayPal that then draws from the card.

        Other than that it's been as expected.

        • Geelong2017 on 09/04/2025 - 17:23

          Thankyou mate! Appreciate that 😀

  • Deepwhale on 09/04/2025 - 08:21

    I applied last night and got approved instantly. I found that if I installed the app on my mobile phone, in the Card section, I can see the 16 digits, expiry month and year, and the CVC code, and I can add it to Apple Pay. I can use Apple Pay to start spending. However, I still had an error when I tried to use the 16 digits to pay for anything online (whether the merchant is Australian or Overseas). Does anyone have this issue? Do I need to call the call centre to activate the card? There is no button to activate anyway in the app.

    I also wonder, when the card says there is no FX fee for overseas transactions, how good is the exchange rate?

    • Deepwhale on 09/04/2025 - 16:52

      I found the trick. Just need to be patient to wait around 18 hours, then when I log in to the mobile app, there is an option to click the activate button. Once I activate the card, the 16 digits card details can be spent online.

    • belmakov on 10/04/2025 - 11:23

      @Deepwhale - how did you mange to add card from app to apple wallet as I don't see option at all and only last 4 digits are visible in my case

      • Deepwhale on 10/04/2025 - 12:17
        +1

        I use the app called 'humm90 AU' (with the logo of a white bird in the black background). When I login there, I see an option to add the card to my apple pay.
        I am not sure in your case, but you may want to go online to chat with the customer service staff. They are quite responsive and helpful.
        Thanks.

        • timhn on 22/04/2025 - 16:46

          I can't see any option to add to Apple Pay. Only button to activate the card and, when clicked, it popup question if I have received the card or not.

  • tullyman88 on 09/04/2025 - 08:46

    Applied last Tuesday and instantly approved. Card hopefully in mail today. Can confirm i am able to use the card details to purchase items online without havent physically activated card

  • timhn on 10/04/2025 - 13:00
    +1

    Damn, I got rejected immediately. Their computer must have detected i had many applications in last 6 months.

    But the kicker was that I went to apply a Reward card on ANZ immediately and got approved 24hrs later without any problem. Same credit limit.

    Really wanted to use this Humm card for my next overseas trip due to no fx fees. Oh well, it's their lost.

    • timhn on 22/04/2025 - 16:43

      Quite surprise at the approval process. I got rejected so my partner was applied for one yesterday and got approve within 1hr after submit the 2 pay slips.

  • timhn on 12/04/2025 - 20:10

    I notice the promo has extended to 27th April.

    • hotdish on 13/04/2025 - 09:50

      Thanks mate. Was gonna apply today in between work but this can now wait a few more days ;)

  • faithdealer on 26/04/2025 - 18:55
    -1

    Anyone know if eligible transactions includes Zip repayment? Humm may be more savvy than the usual to BNPL arrangements.

  • tc423 on 04/05/2025 - 10:11
    -1

    Has anyone received $400 cashback?

  • Yamato on 05/05/2025 - 22:42
    -1

    Anyone know if Bpay payments count towards eligible spend? TIA!

    • tc423 on 06/05/2025 - 09:30

      Eligible spending includes most everyday and retail purchases but transactions that aren't eligible include BPAY, cash advances, long-term finance purchases and IKEA card swipe transactions over $250.

      • Yamato on 21/05/2025 - 23:15

        thanks, just looking at the t&c's: "to be eligible for $400 back, the cardholder must spend $4,000 or more using humm90 Platinum Mastercard on eligible card spend transactions within 60 days of account opening (Offer End Date). 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). Transactions may take up to 3 days to clear. $400 will be credited to your account within 30 days of Offer End Date. Account must be open and not in default of the credit contract when $400 back is applied. Minimum monthly repayment required. This offer is not transferable. humm90 may change, withdraw or end this offer at any time."

        Does it say elsewhere Bpay can't be used or is it generally expected bpay not counted in these kinds of cash back promotions?

        Also, anyone know if government expenses e.g. rates and utilities bills are included in eligible transactions?

        • tc423 on 22/05/2025 - 00:24

          i think bpay is treated as cash advance.

  • Undead-007 on 08/05/2025 - 08:27
    +1

    So quick update, i applied for the card, received it and have spend $4k already. $0 monthly fees, no interest, no minimum monthly repayment (FYI i think you should still make a payment so it doesnt show up as non payment on credit report). I'm currently waiting for the $400 bonus. Once that comes through ill close the card. Hope that helps anyone needing this info :)

  • Nggamaurugi on 13/05/2025 - 10:06
    -1

    Anyone has received the $400 cashback after spending the 4k? I have spent the 4k two weeks ago and havent seen the cashback yet

    • pork on 13/05/2025 - 23:56

      I'd keep an eye out after your current monthly billing cycle is complete.

    • xslasherzz on 15/05/2025 - 00:10

      Looking through Finder. Found the following

      After that, the cashback will be credited to your account within 30 days.

  • CaptainPersia on 14/05/2025 - 17:05
    -1

    No sign of $400 cashback

  • timhn on 16/05/2025 - 08:28
    +1

    Just saw an email that there's a 10% cashback - max $100, for paying by tap till end this month.

  • tc423 on 29/05/2025 - 12:00

    Please be advise that you will need to make $4,000.00 of eligible spend within your first 60 days. The cashback will be applied within 30 days of that final 60 days. 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). You may refer to this link: https://www.humm90.com/au/promotion/400back/

    basically 60 days + 30 days = 90 days before you can get the cashback.

  • xslasherzz on 07/06/2025 - 10:11

    Received the $400. Meet the spent requirements around 25 April.

      • xslasherzz on 08/06/2025 - 01:11

        Yeah, same. It wasn’t there earlier, but now another 400 after you asked. Probably an error, but hopefully it stays. Haha

        • melay0326 on 10/06/2025 - 07:43

          got the $400 twice too & yes hopefully it stays :-)

      • nkwd on 08/06/2025 - 10:49

        Same double $400

  • Unseatingcargo1 on 09/06/2025 - 00:30

    Also received my $400.

    Looking forward to my $100 from the recent promotion. Happy days.

    • timhn on 11/06/2025 - 08:49

      Ha ha yes, $100 and twice $400 cashbacks could made this a CC deal of the year.

      • Unseatingcargo1 on 11/06/2025 - 15:05

        Hmm, both $400 payments were included on my statement.

  • gjehdduf123 on 16/06/2025 - 16:29
    +1

    They took one of two 400s :(

    • MadMaxBargainRoad on 16/06/2025 - 18:36

      Same here. Took $400 back out from my account :X

      • CaptainPersia on 16/06/2025 - 19:09

        Same rip

        • timhn on 17/06/2025 - 16:42

          Same here. Oh well, we can't be too greedy :)
          Now, let's wait for the $100 cashback - or 2x$100 ha ha.

  • CaptainPersia on 20/06/2025 - 08:25

    Has anyone got the $100 cashback?

    • timhn on 20/06/2025 - 16:27

      need wait 30 days after end of the promo - check back after 30 Jun

  • epicttiimm on 24/06/2025 - 10:52

    I got $250 cashback with $2500 spend on my account. Thought I'd churn this asap, but seems like the best credit card deal this year. Total $750 cashback this year from this card so far. I've got my second statement and minimum payment is still $0…..cashflow with this card seems insane.

    • CaptainPersia on 25/06/2025 - 11:36

      Wow that was quick how long after spend got the cashback? I'm waiting too

    • timhn on 25/06/2025 - 16:41

      $250 cashback for $2500 spend? I thought the 10% cashback promo was only $100 max.

      • CaptainPersia on 26/06/2025 - 11:48
        +1

        Its a new promotion

        • timhn on 26/06/2025 - 12:22

          Damn, I missed that promo and now my limit is max so unable to spend anything further.

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