In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
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Hume Business Visa Unsecured Credit Card

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Hume Business Visa Unsecured Credit Card
Terms and conditions apply
Purchase rate
13.6% p.a.
Reward point per $ spent
1
Annual fee
$60 p.a.
Interest-free on purchases
Up to 55 days

Our verdict

Manage your business spending with up to 55 days interest-free on purchases and additional cards for employees.

The Hume Business Visa Unsecured credit card gives you low-cost access to credit for your business. Unlike the other Hume Bank business credit card options, you won’t need to use a residential or commercial asset as security for the account – similar to most other cards, it is unsecured.

Pros

  • Has a competitive interest rate of 13.6% p.a. on purchases.
  • You can get up to 9 additional cardholders.
  • You can get up to 55 days interest-free on purchases.

Cons

  • Does not offer 0% introductory rates unlike other cards.

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

The Hume Business Visa Unsecured credit card offers a competitive 13.6% p.a. interest rate for purchases and a $60 annual fee. You can also get an annual fee waiver if you spend at least $24,000 in the previous year.

Details

Product details

Product Name Hume Business Visa Unsecured Credit Card
Purchase rate p.a. 13.6%
Interest-free period Up to 55 days on purchases
Cash advance rate p.a. 19.95%
Min credit limit $5,000
Card type Visa

Eligibility

Available to temporary residents No
Joint application No

Rewards

Rewards program Hume Loyalty Program
Bonus points N/A
Rewards points per $ spent 1

Fees

Annual fee $60
Minimum monthly repayment 3% of the closing balance or $10, whichever is greater
Late payment fee $20
Foreign currency conversion fee 2.85%
Number of additional cardholders 9

How to apply

You can apply for the Hume Business Visa Unsecured credit card by visiting a branch, calling 1300 004 863 or submitting an online enquiry form.

As part of the application process, make sure you meet the following eligibility criteria and have all the documents and details listed below.

Eligibility criteria

  • Business details. You must be the business owner, director or a partner to apply for this card. You will also need a valid ABN and/or other official business details.
  • Hume Bank membership. You must be a member of Hume Bank to apply for this card or to get an additional card.

Card benefits

  • Annual fee waiver. You can get the $60 annual fee waived for this account if you have spent $24,000 on purchases in the previous card year.
  • Loyalty program. Collect 1 point per $1 spent on eligible purchases, with every 500 points equal to $1 cashback. This is equivalent to a 0.2% cashback rate.

Rates & fees

  • Purchase rate. This card offers an interest rate of 13.6% p.a. for purchases, which is competitive among business credit cards.
  • Annual fee. This account has a standard $60 annual fee, which is charged when you open the account and then each year on the anniversary of that date.

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Amy Finder

Editor

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