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 Value Visa Credit Card

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Hume Value Visa
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.


  • $0 annual fee
  • Low purchase rate of 11.95% p.a.
  • Up to 55 days interest-free on purchases


  • Charges a 2.85% foreign transaction fee

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 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.


Product details

Product Name Hume Value Visa
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


Available to temporary residents No
Joint application Yes


Bonus points N/A


Annual fee $0
Minimum monthly repayment 3% of the closing balance or $10, whichever is greater
Late payment fee $20
Foreign currency conversion fee 2.85%
Additional cardholder fee $0

Well done, Hume!

The Hume Value Visa has been recognised as a finalist in this category for the third year in a row. As well as a $0 annual fee, it scores well for its low 11.95% interest rate for purchases and interest-free days.

Full list of 2024 winners

How 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.

Card benefits

  • No annual fee. This card has a $0 annual fee for life.
  • Low purchase interest rate. Your purchases will attract a low purchase interest rate of 11.95% p.a.

Rates & fees

  • Available credit limits. You can request a credit limit starting from $500 and up to $20,000. The credit limit you're approved for will depend on your credit history and financial situation.
  • Interest-free days. You can take advantage of up to 55 interest-free days on purchases when you pay your balance in full by the statement due date.

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