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.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.