Hume Business Visa Unsecured Credit Card

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 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.

13.6% 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 Unsecured Credit Card
Rewards programHume Loyalty Program
Purchase rate13.6% 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 applicationNo


  • 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.


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

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

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.

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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