Interest-Free† Cruise Holidays

HOLIDAY NOW, PAY LATER WITH 24 MONTHS INTEREST-FREE†

Daydreaming of the ultimate cruise holiday? Why wait? With 24 Months Interest-Free†, you can book your dream holiday today with one of our Cruise Experts and pay it off with easy Interest-Free+ repayments over 24 months! Whether you wish to discover the cherry blossoms of Tokyo, ancient relics of Athens, incredible Canadian landscapes, Italian culinary delights or Arctic icescapes, you’ll be on your way to your perfectly packaged cruise holiday in no time.

Stop dreaming, start holidaying! Speak with a Cruise Expert today. 

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TERMS & CONDITIONS

+Interest-Free: For approved new applicants and existing humm90 Mastercard holders on travel bookings over $800 and purchased via a consultant only.

Annual fee of $99 applies, charged initially on account opening, but from 1 October 2024 onwards annual fees will be replaced with 12 monthly fees of $9.95.

If the customer does not meet the Interest Free Criteria during the Interest Free Period (defined below), the credit providers’ annual percentage interest rate at that time shall apply to the annual fee from the time it is first debited from the humm90 credit account, as well as any balance owing on the humm90 credit account.

To meet the Interest Free Criteria, the customer must pay by the due date shown in the humm90 account statement all of the following:

  1. Overdue and overlimit amounts shown on the previous statement of account;
  2. Transactions, fees and charges for which the Interest Free Period expired in that or previous statement periods;
  3. Interest debited to the humm90 credit account during that or previous statement periods;
  4. Adjustments made to the account in the previous statement period (if any); and
  5. Instalment repayments due during that statement period (if any).

A minimum monthly repayment is required to meet the Interest Free Criteria. The minimum monthly repayment is no less than 3.00% of the balance owing on the humm90 credit account at the date of the monthly statement or $30.00 (whichever is the greater).

Late payment fees and other charges, terms and conditions apply from the expiry of the Interest Free Period. Interest (charged at humm90’s Expired Promotional Rate) will be payable on outstanding balances at the expiry of the Interest Free Period. Refer to humm90 Interest Free Shopping & Interest Free Credit Card Australia  for current interest rates.

The Interest Free Period commences on the day the transaction is debited to the humm90 credit account and will end on the first statement due date, being the expiry of the period within which humm90 have agreed that they will not charge interest.

The Expired Promotional Rate means the reference rate specified in the schedule produced by humm90. As of 29 November 2024, the credit providers’ annual percentage interest rate is 26.49%, but this is subject to change.

Mastercard and the circles design are trademarks of Mastercard International Incorporated.