Humm90
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.
- Company typePrivate
- Founded-
- HeadquartersSydney, Australia
- Headcount—
- GTM typeB2C
- OfferingServices
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.
Humm90 firmographics
Firmographics- 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
Humm90 industry classification
Industry- Product category
- Consumer Credit Cards
- NAICS
- Credit Card Issuing (522210)
- akta.pro primary industry
- BNPL Card / Virtual Card Programs (FSAKACAC)
Keywords
Where Humm90 is headquartered
LocationHeadquarters
- HQ city
- Sydney
- HQ country
- Australia
- HQ region
- Oceania
Offices1 record
Markets served
Humm90 business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- 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.
- Monthly Account Fee: Monthly account fee of $9.95 charged to all cardholders on account opening
- WRAP Establishment Fee: Fee calculated as percentage of total amount payable for humm90WRAP instalment plan conversions
- Cash Advance Fees: Fees charged for cash withdrawals with interest accruing at Cash Advance Rate from transaction date
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Standard humm90 Mastercard |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels5 records
Humm90 product offering
Product offeringCore 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
Companies that use Humm90
Customer profileNamed customers5 records
Segments2 records
Ideal customer profiles1 record
Humm90 technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature3 records
Humm90 partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and flagship.
- MastercardcoreMastercard 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 AustraliaflagshipIKEA 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 CentreflagshipFlight Centre offers up to 12 months interest-free on travel bookings. Strategic travel retail partner reaching consumers planning vacations and travel.
- Freedom KitchenscoreFreedom Kitchens offers up to 36 months interest-free on kitchen purchases. Key home improvement retail partner for major renovation projects.
- Bing LeecoreBing Lee offers interest-free financing on electronics and appliances. Major appliance retailer partner with broad consumer reach.
- FujitsucoreFujitsu offers interest-free air conditioning and heating solutions. Key partner in climate control category for home comfort purchases.
- Apple PaycoreApple Pay integration allows humm90 cardholders to add their card to Apple Wallet for contactless mobile payments at point-of-sale terminals.
- Google PaycoreGoogle 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+)flagshipNetwork 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
Humm90 competitors and assessment
Company assessmentBroad 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
Humm90 social profiles
Digital presenceHumm90 compliance and trust
Trust signalCompliance1 record
Humm90 financial estimates
Financial estimateRevenue estimate
Valuation estimate
Humm90 leadership team
Management profileNumber of profiles
Humm90 funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Humm90 M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Humm90
What does Humm90 do?
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.
Is Humm90 a public or private company?
Humm90 is a private company. It is classified as unknown and is currently operating.
When was Humm90 founded?
Humm90 was founded in -1.
Where is Humm90 based?
Humm90 is headquartered in Sydney, Australia, in the Oceania region.
How does Humm90 make money?
Four revenue lines are on record. Interest Income is the primary driver. The others are monthly Account Fee, WRAP Establishment Fee and cash Advance Fees.
Who are Humm90's main competitors?
Broad incumbents on record are Klarna and PayPal Pay in 4. Direct peers are Openpay, Latitude Financial Group, Zip Co, Afterpay (Block) and Humm Group (parent ecosystem).
Does Humm90 have an API?
No public API is recorded for Humm90.
What industry is Humm90 in?
Humm90's product category is Consumer Credit Cards. Its primary akta.pro industry code is FSAKACAC, BNPL Card / Virtual Card Programs. Its NAICS code is 522210.