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October has arrived, and so has your chance to turn everyday spending into something a little spooky.
From 5 October to 1 November, every eligible $20 spend* on your humm90 card earns you an entry into the draw to win 1 of 3 cash prizes of $3K*.
But the real treats come from our tricks.
Every week, complete the Trick Challenges to conjure up bonus entries and boost your odds. The more challenges you crack each week, the more entries you'll summon and the more chances you'll get to take home a Halloween haul of cash.
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Frequently Asked Questions
From 5 October to 1 November, every eligible $20 spend on your humm90 card earns you an entry into the draw. You can also complete Trick Challenges each week to unlock bonus entries and boost your chances of winning.
The Trick Challenges reset at the start of each new challenge week, so don't let bonus entries disappear into the night.
The four challenge weeks are:
The four challenge weeks are:
- Week 1: 5 Oct – 11 Oct
- Week 2: 12 Oct – 18 Oct
- Week 3: 19 Oct – 25 Oct
- Week 4: 26 Oct – 1 Nov
Yes. Challenge progress does not carry over between weeks. To earn bonus entries in a new week, you'll need to complete the challenge requirements again during that week.
You'll still earn the bonus entries associated with any Trick Challenges you complete. However, you'll only receive the 100 bonus entry Spooky Set reward if you complete all 5 Trick Challenges within the same week.
Yes. The Spooky Set reward can be earned once per week. If you complete all 5 Trick Challenges again in a later week, you'll earn another 100 bonus entries.
Yes. Because challenges reset weekly, you can complete them again in a new week and earn more bonus entries.
You'll earn 20 entries (10 entries by qualifying for Treat + 10 entries by qualifying for the Trick Challenge).
As long as the qualifying transaction is completed and eligible within that campaign week, you'll receive the corresponding bonus entries for that week.
TERMS AND CONDITIONS
1. Information on how to enter and the prize form part of these Terms and Conditions. Participation in this competition is deemed acceptance of these Terms and Conditions.
2. Entry is only open to Australian residents aged 18 years or over who are humm®90 Platinum Mastercard® holders. Entrants must be trading in accordance with the terms and conditions of the humm®90 Platinum Mastercard® ("Terms of Use”) throughout the Competition Period (defined below).
3. Employees (and their immediate families) of the Promoter, and agencies associated with this competition are ineligible to enter. Immediate family means any of the following: spouse, ex-spouse, de-facto spouse, child or step-child (whether natural or by adoption), parent, step-parent, grandparent, step-grandparent, uncle, aunt, niece, nephew, brother, sister, step-brother, step-sister or first cousin.
4. Entries into the competition open at 12:00am AEDT on 5 October 2026 and close at 11:59pm AEDT on 1 November 2026 ("Competition Period").
5. To enter, individuals must, during the Competition Period:
a) register by completing the following steps:
i. click the registration link within the promotional email provided by the Promoter; or
ii. visit https://cloud.e.humm90.com/halloween and follow the prompts to the registration page, input the email address associated with their humm®90 account and submit the fully completed entry form; and then
b) for every week during the Competition Period:
i. TREAT: use their humm®90 Platinum Mastercard® and spend a minimum of $20 at any retailer (either in-store or online) on eligible card spend transactions (as defined in clause 9) ("Treat Transaction");
ii. TRICK: complete any of the following challenges using their humm®90 Platinum Mastercard® (each a "Trick Challenge"):
• The Ghoulish Grocery Shop – spend $100+ in a single Grocery transaction.
• The Creepy Commute – make two (2) transactions on Transport/Petrol.
• The Witch’s Wicked Brew – make two (2) transactions at Cafes/Food and Beverage merchants.
• Digital Ghost Mode – make five (5) transactions via a digital wallet.
• Unlock the Vampire’s Vault – spend $500+ on eligible card spend transactions.
• Spooky Set – complete all of the above Trick Challenges in a single week.
See Schedule 1 for eligible Grocery, Transport/Petrol and Cafes/Food and Beverage transactions. For clarity, certain Trick Challenge spends may count towards other challenges in the same week, and challenges may overlap.
6. Entries into the draw will be awarded as follows:
| Activity | Entries Earned |
| Treat Transactions | 1 entry for every eligible $20 spent |
| The Haunted Big Grocery Shop | 10 entries |
| The Creepy Commute | 10 entries |
| The Witch’s Brew | 10 entries |
| Digital Ghost Mode | 10 entries |
| Unlock Vampire’s Vault | 40 entries |
| Complete the Spooky Set | 100 entries |
7. Eligible Payments must be cleared during the Competition Period to be eligible for entry into the promotion, which may take up to three (3) days.
8. Eligible card spend transactions include card transactions and do not include cash advances, balance transfer transactions, long‑term finance purchases, long‑term interest free finance purchases, fixed payment plans, IKEA card swipe transactions over AU$250, EFT and BPAY online payments.
9. Multiple entries are permitted, subject to the following: (a) one (1) entry received for every eligible $20 spend in a Treat Transaction; (b) Trick Challenge entries will be calculated in accordance with clause 6; and (c) each entry must be submitted separately and in accordance with entry requirements.
10. Any entries received for Treat Transactions or Trick Challenges that have been cancelled or refunded during the Competition Period and up until the time of the draw will be deemed invalid.
11. The Promoter reserves the right, at any time, to verify the validity of entries and entrants.
12. If there is a dispute as to the identity of an entrant, the Promoter reserves the right, in its sole discretion, to determine the identity of the entrant.
13. Incomplete, indecipherable or ineligible entries will be deemed invalid.
14. The draw for all entries received during the Competition Period will take place at Level 14, 255 Pitt Street, Sydney NSW 2000 on 18 November 2026 at 11:00am AEDT.
15. The Promoter's decision is final and no correspondence will be entered into.
16. The first three (3) valid entries drawn will each win $3,000 cash.
17. Prize will be awarded in the form of an EFT.
18. Subject to the unclaimed prize draw clause, if for any reason a winner does not take the prize by the time stipulated by the Promoter, then the prize will be forfeited.
19. Prizes must be claimed by 11:59pm AEDT on 17 February 2027.
20. If a prize is unavailable, the Promoter reserves the right to substitute the prize with one of equal value.
21. Total prize pool value is AU$9,000.
22. Prizes are not transferable or exchangeable unless otherwise advised.
23. A draw for any unclaimed prizes may take place on 18 February 2027.
24. Entrants consent to the Promoter using their name, likeness, image and/or voice if they are a winner.
25. Any cost associated with accessing the promotional website or their humm®90 account is the entrant's responsibility.
26. The use of automated entry software is prohibited.
27. If this competition is interfered with, the Promoter reserves the right to modify, suspend, terminate or cancel the competition.
28. Nothing in these Terms and Conditions limits statutory consumer guarantees.
29. Except for liability that cannot by law be excluded, the Promoter is not responsible for any loss, damage or injury arising from participation in the competition.
30. The Promoter collects personal information in order to conduct the competition. Privacy Policy: https://www.humm90.com/au/privacy-policy/
31. The Promoter is Humm Cards Pty Ltd (ABN 31 099 651 877) of Level 14, 255 Pitt Street, Sydney NSW 2000.
ACT Permit No. TP26/01984.
SA Permit No. T26/1511.
SCHEDULE 1
Eligible petrol and transport payments
a. 5541 – Any payment for petrol at a service station
b. 5542 – Any payment for petrol via an automated fuel dispenser
c. 5983 – Any payment for petrol at a fuel dealer
d. 4111 – Local/Suburban Commuter Passenger Transportation
e. 4112 – Passenger Railways
f. 4121 – Taxi, Limousines, Ride Share Services
g. 4131 – Bus Lines, Charter Bus Services
Eligible grocery payments
a. 5411 – Grocery Stores & Supermarkets
b. 5499 – Miscellaneous Food Stores
c. 5422 – Meat Markets
d. 5441 – Candy, Nut & Confectionery Stores
Eligible restaurant payments
a. 5812 – Eating Places, Restaurants
b. 5814 – Fast Food Restaurants
c. 5813 – Bars, Cocktail Lounges, Discotheques, Nightclubs and Taverns
humm®90 provided by humm Cards Pty Ltd ABN 31 099 651 877 Australian Credit Licence number 247415. Mastercard and the circles design are trademarks of Mastercard International Incorporated.