150BACK
Eligibility criteria
Be 18+ years old
Earn $25,000+ p.a.
Have a clear credit file
Be a permanent Australian resident
From 6 March 2026, the humm90 Platinum Mastercard's Purchase Rate will increase to 27.30%, the Cash Advance Rate will increase to 28.99% and the Expired Promotional Rate will increase to 28.99%
T&Cs
*Promotional offer available only for approved applicants who open a new humm®90 Platinum Mastercard® account between 12:00am AEDT on 11/02/2026 and 11:59pm AEDT on 25/03/2026 (“Application Period”). Fees and T&Cs apply. Applicants must apply via the campaign landing page https://humm90.com/au/promotion/150back and enter the promo code ‘150BACK’ in the promo field on the first page of your application.
No monthly fee applies for the first 12 months. A Monthly Fee of $9.95 will be charged on the first anniversary of your humm90 Account opening and monthly thereafter; this fee attracts interest (charged at the humm90 Purchase Rate, currently 26.30% p.a. Note: a new 27.30% humm90 Purchase Rate will apply as at 6 March 2026) from the date charged unless fully paid within the Interest Free Period and the Interest Free Criteria are met.
To be eligible for $150 back, the cardholder must spend $1,500 or more using humm90 Platinum Mastercard on eligible card spend transactions within 120 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.
$150 will be credited to your account within 30 days of Offer End Date. Your account must be open and not in default of the credit contract when $150 back is applied. Minimum monthly repayment required. This offer is not transferable. humm90 may change, withdraw or end this offer at any time.
^Up to 110 days interest free on humm90 Mastercard purchases (excluding cash advances) when you meet the Interest Free Criteria. You must pay at least the ‘Alternative repayment to reduce interest’ on each monthly statement, by the statement due date. Any outstanding balance after the Interest Free Period reverts to the humm90 Purchase Rate. Note: new 27.30% humm90 Purchase Rate will apply as at 6 March 2026
+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. If you fail to pay a fixed monthly instalment, interest (at the Expired Promotional Rate, currently 26.49% p.a. Note: new 28.99% humm90 Expired Promotional Rate will apply as at 6 March 2026) 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.
Deal breaker…