The Hume Clear Visa credit card is a low-cost option for cardholders who want to reward their spending. This card charges a low standard annual fee, but you can save even further with the annual fee waiver. It also offers up to 55 interest-free days and cash rewards as you spend.
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Hume Clear Visa credit card
Terms and conditions apply
- Purchase rate
- 14.95% p.a.
- Reward point per $ spent
- 1
- Annual fee
- $30 p.a.
- Interest-free on purchases
- Up to 55 days
Our verdict
Reward your spending and save with an annual fee waiver with the Hume Clear Visa credit card.
The Hume Clear Visa credit card offers two cost-saving features with a competitive annual fee and low purchase interest rate. Although you’ll earn 1 point per $1 spent on your account, you’d need to spend quite a lot before you received any substantial returns. For example, considering you’ll get $1 back in your account when you earn 400 points, you’d need to spend $40,000 to get $100 back to your account. You can compare other cards with competitive cashback offers and rewards programs, but you may find that they charge higher annual fees and interest rates.
Pros
-
Earn 1 cash-redeemable loyalty point per $1 spent.
-
Annual fee will be waived if the previous year’s annual card spend exceeds $8,000.
-
Up to 55 days interest-free on purchases when you pay your balance in full by the statement due date.
Cons
-
You'll need to earn 400 points to get $1 back to your account.
Details
Product details
| Product Name | Hume Clear Visa Credit Card |
| Purchase rate p.a. | 14.95% |
| Interest-free period | Up to 55 days on purchases |
| Cash advance rate p.a. | 19.95% |
| Min credit limit | $500 |
| Max credit limit | $50,000 |
| 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 | $30 |
| 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 |
| Number of additional cardholders | 3 |
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