Hume Bank Credit Cards

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Join a customer-owned bank that places community values, friendly service, competitive products and customer convenience at the heart of their existence.

Hume Bank offers the regional community a real banking alternative as a leading regional mutual financial institution. It offers competitive products, a high level of customer service and convenience with the mutual banking difference of providing what suits well for its customers, not shareholders. With Hume Bank you have access to 19 branches and 45 ATMs across Australia.

Comparison of Hume Bank Credit Cards

Rates last updated March 24th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
Hume Visa Value Credit Card
Enjoy a competitive low rate, no annual fee and up to 55 days interest free on purchases.
11.15% p.a. $0 p.a. More info
Hume Business Visa Residentially Secured Credit Card
Enjoy a low ongoing purchase rate of 10.1% p.a. plus an annual fee of $40.
10.10% p.a. $40 p.a. More info
Hume Business Visa Commercially Secured Credit Card
A low annual fee card with a low ongoing interest rate plus a loyalty program that lets you earn 1.00 reward point for every $1 spent.
10.60% p.a. $40 p.a. More info
Hume Business Visa Unsecured Credit Card
Get rewarded by Hume's loyalty program and earn 1.00 point for every $1 spent.
13.60% p.a. $40 p.a. More info

Types of credit cards that Hume Bank offers

  • Low rate credit cards

Low interest rate credit cards can provide you with a lower interest credit solution, giving you the flexibility and convenience to spend and make purchases on your credit card whilst taking advantage of lowest interest repayments. Hume Bank’s low rate credit card offers a low rate of interest at no annual fee.

Rates last updated March 24th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
Hume Visa Value Credit Card
Enjoy a competitive low rate, no annual fee and up to 55 days interest free on purchases.
11.15% p.a. $0 p.a. Up to 55 days on purchases More info
Rates last updated March 24th, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Interest Free Period
St.George Vertigo Visa
Introductory offer of 0% p.a. for 12 months on balance transfers and 0% p.a. for 6 months on purchases, plus a low annual fee.
0% p.a. for 6 months (reverts to 13.24% p.a.) 0% p.a. for 12 months $55 p.a. Up to 55 days on purchases Go to site More info
American Express Essential®  Credit Card
Receive a $50 credit on eligible spend and get Smartphone screen insurance combined with a no annual fee for life card. Also enjoy a 0% p.a. balance transfer rate for 12 months.
14.99% p.a. 0% p.a. for 12 months with 1% balance transfer fee $0 p.a. Up to 55 days on purchases Go to site More info
HSBC Low Rate Credit Card
This card comes with a balance transfer offer, a low interest rate and up to 55 days interest-free on purchases.
13.25% p.a. 0% p.a. for 15 months with 2% balance transfer fee $55 p.a. Up to 55 days on purchases Go to site More info
NAB Low Rate Credit Card
The NAB Low Rate Card offers 0% p.a. on balance transfers for the first 18 months combined with a low annual fee.
13.99% p.a. 0% p.a. for 18 months with 3% balance transfer fee $59 p.a. Up to 55 days on purchases Go to site More info
ANZ Low Rate Platinum
Enjoy platinum benefits with exclusive discounts, complimentary travel insurance and personal concierge. Also repay your credit card debt interest-free with 0% p.a. for 16 months on balance transfers.
11.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $99 p.a. Up to 55 days on purchases Go to site More info
NAB Low Rate Platinum Card
Offers a low introductory rate of 0% p.a. on balance transfers for 18 months plus enjoy premium benefits including international travel insurance.
13.99% p.a. 0% p.a. for 18 months with 3% balance transfer fee $100 p.a. Up to 55 days on purchases Go to site More info
ANZ Low Rate
Take advantage of 0% p.a. for 16 months on balance transfers and a low ongoing interest rate on purchases.
12.49% p.a. 0% p.a. for 16 months with 2% balance transfer fee $58 p.a. Up to 55 days on purchases Go to site More info
St.George Vertigo Platinum - Online Only Balance Transfer Offer
Enjoy a long-term balance transfer offer of 3% p.a. for 36 months when you apply online, plus complimentary insurance covers and a personal concierge service.
12.74% p.a. 3% p.a. for 36 months $99 p.a. Up to 55 days on purchases Go to site More info
Westpac Low Rate Card
A simple low interest rate card featuring a low ongoing rate on purchases, up to 55 days interest-free on purchases and a low annual fee.
0% p.a. for 6 months (reverts to 13.49% p.a.) 0% p.a. for 12 months $59 p.a. Up to 55 days on purchases Go to site More info
Bank of Melbourne Vertigo Visa Credit Card
Enjoy a low annual fee combined with 0% p.a. balance transfer offer for 12 months and 0% p.a. for up to 6 months on purchases.
0% p.a. for 6 months (reverts to 13.24% p.a.) 0% p.a. for 12 months $55 p.a. Up to 55 days on purchases Go to site More info
Learn more about Low Rate Credit Cards
  • Business credit cards

Business credit cards provide various advantages for business owners including tax deductions on spending and maximising points earnings potential. Hume provides the choice of three cards that give you the freedom to manage your cash flow.

Rates last updated March 24th, 2017
Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Bonus Points Annual fee
Hume Business Visa Unsecured Credit Card
Get rewarded by Hume's loyalty program and earn 1.00 point for every $1 spent.
1 $40 p.a. More info
Hume Business Visa Residentially Secured Credit Card
Enjoy a low ongoing purchase rate of 10.1% p.a. plus an annual fee of $40.
1 $40 p.a. More info
Hume Business Visa Commercially Secured Credit Card
A low annual fee card with a low ongoing interest rate plus a loyalty program that lets you earn 1.00 reward point for every $1 spent.
1 $40 p.a. More info
Rates last updated March 24th, 2017
Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Bonus Points Annual fee
American Express Platinum Business Card
Receive 150,000 bonus points, earn up to 2 Membership Rewards points for every dollar spent, complimentary insurances and access to 800 VIP Lounges in 100 countries.
0 1 150,000 bonus points $1,500 p.a. Go to site More info
Commonwealth Bank Business Gold Awards Credit Card
A business credit card with a range of complimentary insurances and up to 2 Awards points per $1 spent on purchases.
1 2 $150 p.a. Go to site More info
American Express Business Card
One of the original charge cards from American Express that offers complimentary insurances including purchase protection and travel accident cover.
0 1 $109 p.a. Go to site More info
Commonwealth Bank Business Interest-Free Days Credit Card
Manage your business expenses with up to 55 interest-free days on purchases and an unsecured credit limit of up to $50,000.
$60 p.a. Go to site More info
American Express Gold Business Card
Receive 10,000 bonus points on signup and earn 1 Membership Rewards points per $1 spent with uncapped earnings.
0 1 10,000 bonus points $169 p.a. Go to site More info
Commonwealth Bank Business Awards Credit Card
Enjoy up to 1.5 Awards points for every dollar spent plus up to 55 days interest-free on purchases.
1 1.5 $100 p.a. Go to site More info
American Express Velocity Business Card
A truly dedicated business rewards credit card. Download all your card expenses in a format readable by Quicken, MYOB, Microsoft Excel and more.
0 1 $249 p.a. Go to site More info
Commonwealth Bank Business Platinum Awards Credit Card
Earn up to 3 Awards points per dollar spent and enjoy a range complimentary insurances.
1 3 $300 p.a. Go to site More info
Shell Card
Minimise your fuel costs at over 1,000 locations across Australia. Save 6 cents per litre off fuel purchases at all Shell branded sites and $0 monthly card fees for the first 6 months.
$30 p.a. Go to site More info
Learn more about Business Credit Cards

The benefits of banking with Hume Bank

    • Mutual banking benefit

Banking with a mutual bank means that decisions are made on what is ideal for customers rather than the shareholders.

    • iBank

Internet banking offers access 24 hours a day, seven days a week.

    • mBank

Allows you to manage your money with smart phone banking, available for iPhone, iPad, Android (phone), Windows Phone and web application via a mobile device web browser.

  • Hume Connect

Offers a system to manage your account wherever there is access to a phone, providing the following services:

  • Find out balances of your savings and loan accounts
  • List details of the last five transactions on your accounts
  • Transfer funds between internal accounts
  • Pay your bills using BPAY
  • Find out interest details on your accounts
    • Branches & ATMs

With an expanding network of 19 branches and 45 ATMs across Australia, members have access to a convenient and comprehensive service.

How to apply for Hume Bank Credit Cards

If you would like to apply for a Hume Bank credit card press the ‘Go to Site’ button and you will be redirected to a secure web form. Please have the following details on hand to assist with your application:

Application criteria

  • You must be at least 18 years of age.
  • You must be an Australian citizen or permanent resident to apply.

Required Information

      • Personal Details. Full name, your driver's licence (if you have one)
      • Employment details. Your employer's address and contact number, accountant's name and contact number (if self-employed)
      • Income details. Details of your income, assets and liabilities
      • Customer Number. Your Hume customer number is located on your statement (if you're already a Hume customer)

What Happens Next?

After completion of the online application Hume Bank will notify you of whether the application has been approved. Once your application has been approved by Hume Bank, it should take within 10 working days to receive your card.

If you are not already a customer of Hume Bank you will need to come into a Hume branch and provide the appropriate ID.

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Frequently asked questions

Do I need to be a Hume customer to apply for a card?

You need to be an existing customer of Hume to be eligible for a Hume Visa Card. If you are a new customer, one of Hume’s consultants will contact you.

Can I make a balance transfer from existing card/s?

Yes, balance transfers can be requested on the application form.

Does Hume Bank support joint account applications?

Yes, joint accounts can be requested via a separate PDF form available in the application process.

How do I activate my Visa card?

You can activate your Visa credit via iBank or by calling Hume Bank’s dedicated customer service line. You’ll just need to log on to Hume Bank’s online banking portal, ‘Bank. Then, select ‘Activate Card’ and enter the required details.

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ANZ Platinum Credit Card - Exclusive Offer
ANZ Platinum Credit Card - Exclusive Offer

Interest rate

19.74

Annual fee

87
American Express Essential®  Credit Card
American Express Essential® Credit Card

Interest rate

14.99

Annual fee

0
HSBC Platinum Credit Card
HSBC Platinum Credit Card

Interest rate

19.99

Annual fee

149

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