Hume Bank Business Visa Credit Card Commercially Secured

Manage your business’ cash flow with a low purchase interest rate and convenient line of credit.

You can use the Hume Bank Visa Business Visa credit card to manage your business expenses with up to 9 cardholders with individual limits. You’ll be rewarded with loyalty points as you spend, which you can redeem for cash back to your account. If you opt for the commercially secured Hume Bank Business Visa credit card, you can take advantage of a competitive 10.6% p.a. purchase interest rate.

10.6% p.a.

Purchase rate


Reward point

Per $ spent

$60 p.a.

Annual fee

55 days

Interest free period

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Product NameHume Business Visa Commercially Secured Credit Card
Rewards programHume Loyalty Program
Purchase rate10.6% p.a.
Annual fee$60
Interest-free periodUp to 55 days on purchases
Cash advance rate19.95% p.a.
Min credit limit$5,000
Card typeVisa
Foreign currency conversion fee2.85%
Available to temporary residentsNo
Joint applicationYes


  • Waived annual fee if the previous year’s card spend on the account exceeds $24,000
  • Low purchase interest rate of 10.6% p.a.
  • Cash redeemable point for every $1 spent


  • Charges a 2.85% foreign transaction fee
Rewards programHume Loyalty Program
Bonus pointsN/A
Rewards points per $ spent1
Annual fee$60
Minimum monthly repayment3% of the closing balance or $10, whichever is greater
Late payment fee$20
Foreign currency conversion fee2.85%
Number of additional cardholders9

Review by

Sally McMullen is a creative content producer at Finder. Sally has written about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

The Hume Bank Business Visa credit card is suited to small to medium businesses that need a credit card to manage cash flow and business expenses. If you have a large business, you might want to consider a business card that offers more than 9 additional cardholders. You can also apply for an unsecured or residentially-secured version of this card, although different interest rates will apply depending on the security type you choose.

How to apply

If you want to apply for the Hume Bank Business Visa credit card, you can visit a branch, contact the bank on 1300 004 863 or enquire online. When you complete the application, you'll need to provide the following information.

Required documents

  • Business. You'll need to confirm the business' trading name, ABN/ACN, address, contact details, the type of business and number of years in trading. You may also be asked to include the business director's and accountant's details.
  • Cardholders. You'll need to provide the full name and contact information for each individual cardholder.

Card benefits

  • Competitive purchase rate. This card charges a purchase interest rate of 10.6% p.a.
  • Waived annual fee. If you spend more than $24,000 in the previous year, the $40 annual fee will be waived.

Rates & fees

  • Annual fee. This card charges an annual fee of $60 p.a.
  • Interest-free days. When you pay your balance in full by the statement due date, you can take advantage of up to 55 interest-free days on purchases.

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