The Hume Value Visa credit card is a convenient and low cost line of credit. You’ll pay no annual fee for life and can save with a competitive purchase interest rate plus up to 55 interest-free days on purchases. You can also request additional cardholders for no extra fee and shop online safely with Visa Secure.
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Hume Value Visa Credit Card
Terms and conditions apply
- Purchase rate
- 11.95% p.a.
- Annual fee
- $0 p.a.
- Interest-free on purchases
- Up to 55 days
Our verdict
Cut credit card costs with no annual fee and a low 11.95% p.a. interest rate on purchases.
The Hume Value Visa credit card is one of the few products that couples $0 annual fee with a low purchase interest rate. There are some cards that boast even lower interest rates, but these cards usually charge an annual fee. You can apply for a credit limit of up to $20,000, which is modest compared to some cards but on par with other low cost products.
Pros
-
$0 annual fee
-
Low purchase rate of 11.95% p.a.
-
Up to 55 days interest-free on purchases
Cons
-
Charges a 2.85% foreign transaction fee
Details
Product details
| Product Name | Hume Value Visa |
| Purchase rate p.a. | Purchase rate p.a. 11.95% |
| Interest-free period | Up to 55 days on purchases |
| Cash advance rate p.a. | 19.95% |
| Min credit limit | $500 |
| Max credit limit | $20,000 |
| Card type | Visa |
Eligibility
| Available to temporary residents | No |
| Joint application | Yes |
Rewards
| Bonus points | N/A |
Fees
| Annual fee | Annual fee $0 |
| Minimum monthly repayment | 3% of the closing balance or $10, whichever is greater |
| Late payment fee | $20 |
| Foreign currency conversion fee | Foreign currency conversion fee 2.85% |
| Additional cardholder fee | $0 |
Congratulations, Hume Bank!
Hume Bank Value Visa received the highly commended award for 'No Annual Fee Credit Card' in the 2024 Product Awards.
Full list of 2024 winnersHow to apply
You can apply for the Hume Value Visa online in 15 minutes. Before you get started, make sure you meet the eligibility requirements and have the necessary information to complete the application.
Eligibility criteria
- Residency. You must be an Australian citizen or permanent resident.
- Age. You must be at least 18 years old to apply.
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