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 May 23rd, 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.

Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
Hume Visa Value Credit Card
11.15% p.a.
Up to 55 days on purchases
$0 p.a.
Enjoy a competitive low rate, no annual fee and up to 55 days interest free on purchases.

Compare up to 4 providers

Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
HSBC Low Rate Credit Card
13.25% p.a.
Up to 55 days on purchases
$55 p.a.
0% p.a. for 15 months with 2% balance transfer fee
Save with 13.25% p.a. on purchases. Also enjoy exclusive offers with the home&Away Privilege Program.
St.George Vertigo Visa
13.24% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 14 months
Save with 13.24% p.a. on purchases. Also enjoy up to 55 days interest-free.
Westpac Low Rate Card - Online Only Balance Transfer Offer
13.49% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 24 months with 2% balance transfer fee
A low interest rate on everyday purchases and a long term balance transfer rate offer of 0% for 24 months.
St.George Vertigo Platinum
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 20 months
Save with 12.74% p.a. on purchases. Also enjoy Visa Platinum Concierge service.
NAB Low Rate Platinum Card
13.99% p.a.
Up to 55 days on purchases
$100 p.a.
0% p.a. for 18 months with 3% balance transfer fee
Save with 13.99% p.a. on purchases. Also enjoy access to 7 complimentary insurances.
ANZ Low Rate
12.49% p.a.
Up to 55 days on purchases
$58 p.a.
0% p.a. for 16 months with 2% balance transfer fee
Take advantage of 0% p.a. for 16 months on balance transfers and a low ongoing interest rate on purchases.
Bendigo Bank Basic Black Credit Card
12.24% p.a.
Up to 44 days on purchases
$45 p.a.
A basic credit card that features low interest rates, low annual fee and up to 44 interest-free days on purchases.
ANZ Low Rate Platinum
11.49% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 16 months with 2% balance transfer fee
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.
NAB Low Rate Credit Card
13.99% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 18 months with 3% balance transfer fee
Save with 13.99% p.a. on purchases. Also enjoy special offers from Visa Entertainment.
BankSA Vertigo Visa
13.24% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 14 months
Enjoy a low balance transfer offer of 0% p.a. for 14 months and a low ongoing purchase rate from BankSA.
American Express Essential®  Credit Card
14.99% p.a.
Up to 55 days on purchases
$0 p.a.
0% p.a. for 12 months with 1% balance transfer fee
A no annual fee card that collects up to 1 Membership Rewards point for every $1 spent.
Bank of Melbourne Vertigo Platinum
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 20 months
Save with 12.74% p.a. on purchases. Also enjoy up to 55 days interest-free.
Virgin Money Low Rate Credit Card
11.99% p.a.
Up to 44 days on purchases
$99 p.a.
0% p.a. for 12 months
Save with 11.99% p.a. on purchases. Also enjoy the protection of Fraudshield.
Westpac Low Rate Card
0% p.a. for 6 months (reverts to 13.49% p.a.)
Up to 55 days on purchases
$59 p.a.
0% p.a. for 12 months
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.
Heritage Bank Gold Low Rate Credit Card
11.80% p.a.
0 interest free days
$0 p.a.
0% p.a. for 12 months
Save with 11.8% p.a. on purchases. Also enjoy $0 annual fee.
Coles Low Rate Mastercard
12.99% p.a.
Up to 62 days on purchases
$49 p.a.
0% p.a. for 6 months
Receive $100 off a single Coles Supermarket shop If you apply, are approved by 30 June 2017 and make a purchase within the first 30 days.

Compare up to 4 providers

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 May 23rd, 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 May 23rd, 2017
Rewards Points per $ spent (VISA/MC) Rewards Points per $ spent (AMEX) Bonus Points Annual fee
Commonwealth Bank Business Gold Awards Credit Card
Earn up to 2 Awards points per $1 spent and receive an unsecured credit limit of up to $50,000.
1 2 $150 p.a. Go to site More info
American Express Platinum Business Card
Receive 100,000 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 1 100,000 bonus points $1,500 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 Interest-Free Days Credit Card
Save with 17.57% p.a. on purchases. Also enjoy easy integration into your online accounting software.
$60 p.a. Go to site More info
Commonwealth Bank Business Awards Platinum Credit Card
Earn up to 3 Awards points per $1 spent and stay on track with instantly updated transactions.
1 3 $300 p.a. Go to site More info
American Express Business Card
Earn up to 1 Membership Rewards point per $1 spent and extend your cash flow up to 51 days.
0 1 $109 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
Earn up to 1.5 Awards points per $1 spent and easily integrate your online accounting software.
1 1.5 $100 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

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.

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

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

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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American Express Velocity Platinum Card
American Express Velocity Platinum Card

Interest rate

20.74

Annual fee

375
ANZ Platinum Credit Card - Exclusive Offer
ANZ Platinum Credit Card - Exclusive Offer

Interest rate

19.74

Annual fee

87
St.George Vertigo Platinum
St.George Vertigo Platinum

Interest rate

12.74

Annual fee

99

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