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Hume Clear Visa credit card

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Reward your spending and save with an annual fee waiver with the Hume Clear Visa credit card.

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.

14.95% p.a.

Purchase rate

1

Reward point

Per $ spent

$30 p.a.

Annual fee

55 days

Interest free period

Details

Product NameHume Clear Visa Credit Card
Rewards programHume Loyalty Program
Purchase rate14.95% p.a.
Annual fee$30
Interest-free period55 days
Cash advance rate19.95% p.a.
Min credit limit$500
Max credit limit$50,000
Card typeVisa
Foreign currency conversion fee2.85%
Available to temporary residentsNo
Joint applicationNo

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.
Rewards programHume Loyalty Program
Bonus pointsN/A
Rewards points per $ spent1
Annual fee$30
Minimum monthly repayment3% of the closing balance or $10, whichever is greater
Late payment fee$20
Foreign currency conversion fee2.85%
Additional cardholder fee$0
Number of additional cardholders3

Expert review

Sally McMullen

Review by


Sally McMullen is a creative content producer at Finder, co-hosts our Pocket Money podcast and wrote about credit cards for almost five years. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone. She has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

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.

How to apply

You can apply for the Hume Clear Visa credit card online in 15 minutes, so long as you meet the eligibility criteria and have the necessary information to complete the application.

Eligibility criteria

  • Age. You must be at least 18 years old to apply.
  • Residency. This card is only available to Australian citizens and permanent residents.

Card benefits

  • Annual fee waiver. If you spend more than $8,000 in a year, the $30 annual fee will be waived.
  • 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.

Rates & fees

  • Annual fee. Outside of any promotions, this card charges a low standard annual fee of $30 p.a.
  • Purchase interest rate. Your purchases will attract a 14.95% p.a. purchase interest rate.

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