Hume Bank Credit Cards

Hume Bank offers a mix of personal and business credit card options, with worldwide acceptance through the Visa network and mobile payment options. You can use this guide to learn more about Hume Bank's different credit cards, how to apply and other key features and benefits available.

Comparison of Hume Bank Credit Cards

Name	Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
Hume Value Visa	Purchase rate p.a. 11.95%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a.	Annual fee $0	More Info Compare	A no-frills, basic credit that offers up to 55 days p.a. interest-free on purchases and $0 for additional cardholders.
Hume Business Visa Residentially Secured Credit Card Hume Loyalty Program	Purchase rate p.a. 10.1%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a.	Annual fee $60	More Info Compare	Earn 1 cash-redeemable Loyalty point per $1 spent and nominate up to 9 additional cardholders with individual limits.
Hume Business Visa Commercially Secured Credit Card Hume Loyalty Program	Purchase rate p.a. 10.6%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a.	Annual fee $60	More Info Compare	Receive up to 55 days interest-free on purchases, an annual fee waiver if you spend $24,000 and earn Loyalty points.
Hume Business Visa Unsecured Credit Card Hume Loyalty Program	Purchase rate p.a. 13.6%	Bonus points N/A	Points per $ spent 1	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a.	Annual fee $60	More Info Compare	Enjoy 55 days interest-free on purchases, an annual fee waiver if you spend $24,000 and Loyalty points.
Hume Clear Visa Credit Card Hume Loyalty Program	Purchase rate p.a. 14.95%	Bonus points N/A	Points per $ spent N/A	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a.	Annual fee $30	More Info Compare	Earn 1 cash-redeemable loyalty point per $1 on everyday spending.

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Types of credit cards that Hume Bank offers

• Low rate credit cards

The Hume Bank Value credit card combines a 11.95% p.a. interest rate with no annual fee for life, making it very competitive with other low rate credit cards. It also offers interest-free days on purchases if you pay your entire balance by the due date on each statement.

• Rewards credit cards

The Hume Bank Clear credit card gives you a way to earn cash rewards as you spend. With this card, you collect 1 loyalty point per $1 spent on eligible purchases, with every 400 points equal to $1. It has a $30 annual fee that is waived if your annual spending is $8,000 or more. You can compare these features with a range of other rewards credit cards to help you find one that fits your goals.

• Business credit cards

Hume Bank is one of the few providers to offer secured options for its business credit card customers. You can choose to secure the account with residential or commercial assets, or get an unsecured account. All three of these business credit card options offer competitive interest rates for purchases, additional cards for employees and loyalty points. You can compare other business credit cards here to help you decide which one will suit your business plans and needs.

The benefits of getting a Hume Bank credit card

If you choose to get one of these credit cards from Hume Bank, some of the key benefits you can access include:

• Digital wallets

You can add a Hume Bank credit card to Apple Pay or Google Pay, then make payments straight from your mobile phone or another compatible device.

• Visa benefits

As well as worldwide acceptance through the Visa network, this card gives you access to exclusive offers on shopping, dining, travel and entertainment through Visa Offers + Perks. If you're shopping online, you have the option of setting up Visa Checkout for faster payments, as well as Visa Secure verification at any online store that supports it.

• Banking options

Check your transactions and manage your account at any time with Internet banking, the Hume Bank mobile app or by calling the phone banking service on 1300 551 619. You can also visit a branch during business hours, with details of each branch's opening hours available on the Hume Bank website.

How to apply for Hume Bank Credit Cards

You can apply for a personal Hume Bank credit card online by filling in a secure application form on the bank's website. You can also call Hume Bank on 1300 004 863 to apply for a card or make an appointment to visit a branch. To apply for a business credit card, fill in an enquiry form, visit a branch or call 1300 004 863 to discuss your options.

Before you get started, make sure you meet the eligibility criteria and have all the documents and details needed for the application.

Eligibility criteria

• Age. You must be at least 18 years of age.
• Australian residency status. You must be an Australian citizen or permanent resident to apply.
• Business credit card criteria. If you're applying for a business credit card, you'll need to provide details of your business activity, Australian Business Number (ABN) or other registered business details.

Documents and details

• Personal details. This includes your full name, date of birth, residential address, email address and phone number. You also need to provide a valid form of ID, such as your driver's licence, passport or Medicare card number.
• Employment details. As well as your salary, you need to provide details of your employment status and occupation, as well as your employer's contact details. You may also need to provide recent payslips, bank statements or other documents that help confirm this information.
• Financial details. This covers any other forms of income, savings and other assets, as well as existing credit cards, loans and other liabilities. You also need to share details of your regular household spending on essentials such as rent and mortgage payments, utility bills and groceries.

If you have any questions about the application process or want to check on your application status, call Hume Bank on 1300 004 863, visit a branch or email hume@humebank.com.au.

Frequently asked questions

If you want to know more about Hume Bank credit cards, below you'll find answers to some common questions. If there's something else you want to know, you can also get in touch with the team at Finder using the contact form below.

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

  You can apply for a credit card with Hume Bank if you're not a current member, but you will need to join the bank before your application can be approved. As part of this process, you'll need to go through an identification process, which usually happens at a Hume Bank branch. If you have questions about this process, call Hume Bank on 1300 004 863.

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

  Yes, you can include your balance transfer request when you apply for a Hume Bank credit card. Note that balance transfers are subject to lending criteria and approval. You could also check out Finder's guide to learn more about balance transfers and compare low or 0% p.a. balance transfer offers.

• What should I do if my card is lost or stolen?

  You should report a stolen card as soon as possible by calling 1800 621 199 in Australia or +61 2 9959 7686 from overseas. Both of these numbers operate 24/7 but if it's during work hours, you also have the option of calling Hume Bank on 1300 004 863.

  The Hume Bank app also gives you the option of locking or cancelling cards when they are lost or stolen – plus options for reordering and activating them.

• How can I cancel my card?

  You can close your Hume Bank credit card by filling in a request form on the Hume Bank website, or by calling 1300 004 863. Note that you will need to settle the account's entire balance before you can completely close it. You can learn more in this Finder guide to cancelling your credit card in Australia.