Humm90

What Humm90 does

Humm90 is an Australian consumer credit card brand operated by humm Cards Pty Ltd (ABN 31 099 651 877), a proprietary limited company holding Australian Credit Licence number 247415 and headquartered in Sydney. The product is the humm90 Platinum Mastercard, which offers up to 110 days interest-free on everyday purchases, zero international transaction fees, and Long Term Interest Free financing of up to 60 months at participating retailers. Cardholders can convert purchases over $250 into 9, 12, or 15-month interest-free instalment plans via the humm90WRAP feature in exchange for an establishment fee.

The card is built on the Mastercard global payment network and integrates with Apple Pay and Google Pay for contactless mobile payments; account management is delivered through a dedicated iOS/Android mobile app. Distribution is hybrid: a digital-first self-serve online application flow (10 minutes, instant digital card issuance, physical card delivered in 5–7 working days) combined with a point-of-sale channel via a network of more than 300 Australian retail partners spanning furniture, travel, kitchen renovation, electronics, and HVAC categories — including IKEA, Flight Centre, Freedom Kitchens, Bing Lee, and Fujitsu.

Revenue is generated through multiple streams: a recurring $9.95 monthly account fee, interest income on balances that roll off interest-free periods at a 27.30% p.a. purchase rate (or 28.99% p.a. expired promotional rate), WRAP plan establishment fees, and cash advance fees. Humm90 appears to operate as part of a broader humm Group consumer finance ecosystem; the brand is not publicly listed and no funding rounds or institutional ownership have been disclosed in the available source data. The company serves permanent Australian residents aged 18+ earning at least $25,000 per year, with eligibility filtered against credit-file history.

Name

Humm90

Legal name

humm Cards Pty Ltd

Website

https://humm90.com

Company type

Private

Operating status

Operating

Short description

Humm90 is an Australian consumer credit card brand offering a Mastercard with up to 110 days interest-free on purchases, optional instalment plans via humm90WRAP, and point-of-sale interest-free financing through a network of 300+ Australian retailers. It serves permanent Australian residents earning $25,000+ annually.

Ownership category

akta.pro rank

Product category

Consumer Credit Cards

NAICS

Credit Card Issuing (522210)

akta.pro primary industry

BNPL Card / Virtual Card Programs (FSAKACAC)

Keywords

• Interest free credit card
• Consumer credit cards
• Instalment payment plans
• Buy now pay later
• Retail point of sale financing

Headquarters

HQ city

Sydney

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Interest Income: Revenue generated from outstanding balances after interest-free periods revert to the Purchase Rate of 27.30% p.a. or Expired Promotional Rate of 28.99% p.a.
2. Monthly Account Fee: Monthly account fee of $9.95 charged to all cardholders on account opening
3. WRAP Establishment Fee: Fee calculated as percentage of total amount payable for humm90WRAP instalment plan conversions
4. Cash Advance Fees: Fees charged for cash withdrawals with interest accruing at Cash Advance Rate from transaction date

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Humm90 offers the humm90 Platinum Mastercard, an interest-free credit card providing up to 110 days interest-free on everyday purchases, no international transaction fees, and access to long-term interest-free financing up to 60 months at participating retailers. The product is complemented by humm90WRAP, a feature that converts purchases over $250 into interest-free instalment plans over 9, 12, or 15 months.

Product overview

Humm90 offers a single unified credit card product — the humm90 Platinum Mastercard — which serves as the core platform. This is complemented by humm90WRAP, a feature that enables users to convert eligible purchases into interest-free instalment plans, and a Long Term Interest Free Finance program available through a network of retail partners. The company also provides a mobile app for account management and digital wallet integration. The portfolio is focused on interest-free credit card products with various financing options rather than a multi-product platform architecture.

Differentiator

Problem solved

Functional benefit

Products and services

• humm90 Platinum Mastercard The primary interest-free credit card product offering up to 110 days interest-free on everyday purchases in-store and online, no international transaction fees, and worldwide acceptance via the Mastercard network. Targeted at permanent Australian residents aged 18+ earning $25,000+ p.a.
• humm90WRAP A feature that converts any single transaction over $250 on the humm90 card into an interest-free instalment plan payable over 9, 12, or 15 months, with a small establishment fee. For cardholders wanting to spread large purchases without paying interest.
• Long Term Interest Free Finance Promotional interest-free financing of up to 60 months offered through humm90's network of participating Australian retail partners, used for big-ticket retail purchases. After the promotional period, the outstanding balance reverts to the 28.99% p.a. expired promotional rate.
• humm90 Mobile App Mobile application available on iOS and Android for humm90 cardholders to activate their card, manage their PIN, monitor transactions, download statements, and use the card via digital wallets for tap-to-pay payments.

Quantifiable outcome

• Up to 110 days interest-free on everyday purchases (double the typical 44-55 days of most credit cards)
• +1 more outcomes

Named customers5 records

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature3 records

Partnerships

Nine partnerships are on record, tiered core and flagship.

• MastercardcoreTechnology or IntegrationMastercard is the payment network partner enabling worldwide card acceptance. humm90 Platinum Mastercard is accepted at all Mastercard merchants globally. Mastercard provides Travel & Lifestyle Services with exclusive hotel offers and dining/entertainment benefits.
• IKEA AustraliaflagshipChannel Partner/ Reseller/ DistributorIKEA offers up to 50 months interest-free financing on furniture and home goods purchases through humm90. Major retail partner enabling large-ticket sales through instalment payments.
• Flight CentreflagshipChannel Partner/ Reseller/ DistributorFlight Centre offers up to 12 months interest-free on travel bookings. Strategic travel retail partner reaching consumers planning vacations and travel.
• Freedom KitchenscoreChannel Partner/ Reseller/ DistributorFreedom Kitchens offers up to 36 months interest-free on kitchen purchases. Key home improvement retail partner for major renovation projects.
• Bing LeecoreChannel Partner/ Reseller/ DistributorBing Lee offers interest-free financing on electronics and appliances. Major appliance retailer partner with broad consumer reach.
• FujitsucoreChannel Partner/ Reseller/ DistributorFujitsu offers interest-free air conditioning and heating solutions. Key partner in climate control category for home comfort purchases.
• Apple PaycoreTechnology or IntegrationApple Pay integration allows humm90 cardholders to add their card to Apple Wallet for contactless mobile payments at point-of-sale terminals.
• Google PaycoreTechnology or IntegrationGoogle Pay integration allows humm90 cardholders to add their card to Google Wallet for contactless mobile payments at point-of-sale terminals.
• Retail Partners Network (300+)flagshipChannel Partner/ Reseller/ DistributorNetwork of 300+ Australian retailers offering interest-free financing through humm90. Partners span categories including home improvement, electronics, travel, automotive, health & fitness, solar, and more. Retailers benefit from increased sales conversion and average order values.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Klarna: Global BNPL incumbent offering pay-in-4 and longer instalment plans with an evolving card product. Comparable interest-free instalment mechanism; humm90 is the Australian-specialist analogue to Klarna's global card/instalment positioning.
• PayPal Pay in 4:

Direct peers

• Openpay: Australian BNPL provider focused on longer-duration interest-free plans across healthcare, automotive, home improvement, and education verticals. Comparable to humm90WRAP and Long Term Interest Free offerings at retail partners.
• Latitude Financial Group: Australian consumer finance company offering credit cards, interest-free retail finance, and personal loans. Latitude's retail finance business (formerly GEM) and credit card products compete head-to-head with humm90 for retail partner financing and interest-free credit card demand.
• Zip Co: Australian-listed BNPL and consumer credit provider. Zip offers interest-free instalments alongside a revolving line, directly overlapping humm90's WRAP and everyday interest-free product positioning in the same Australian retail channels.
• Afterpay (Block): Australia-founded BNPL pioneer and dominant domestic competitor. Both humm90 and Afterpay target interest-free instalment purchasing at Australian retail, though Afterpay operates short-term pay-in-4 while humm90 extends longer instalment and revolving credit terms.
• Humm Group (parent ecosystem): Broader humm Group consumer finance brand offering interest-free instalment plans across larger purchase categories. Operates alongside humm90 within the same corporate group with overlapping instalment-plan mechanics and retail partner relationships.

Market position

Strengths1 record

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/humm90
• Instagraminstagram.com/humm90

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Humm90