Interest-Free† Cruise Holidays

HOLIDAY NOW, PAY LATER WITH 12 MONTHS INTEREST-FREE†

Daydreaming of the ultimate Cruise holiday? Why wait? With 12 Months Interest-Free†, you’ll be on your way to your perfectly packaged Cruise holiday in no time. Imagine sipping cocktails on the deck while you traverse the seas, passing extraordinary sunsets then landing in bucket-list destinations and lesser-known gems. Discover the cherry blossoms of Tokyo, ancient cities of Athens, incredible Canadian landscapes, Italian adventures, Arctic icescapes, and so much more, all from the luxury and comfort of your cruise.

My Cruise’s newest and best Interest-Free† option is just another way we prioritise effortless done-for-you planning to make your dreams a reality. Stop dreaming, start holidaying! Speak with your My Cruise Expert today on how to travel now and pay later! Available for a limited time only.  

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TERMS & CONDITIONS

† For approved new applicants and existing humm90 Mastercard holders on travel bookings over $400 an 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 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 23 July 2024, the credit providers’ annual percentage interest rate is 26.49%, but this is subject to change.

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