Hume Bank

Compare Hume Bank credit cards, evaluating features, benefits, rates, and fees, to make an informed decision before applying

Hume Bank credit cards

Hume Value Visa Credit Card

Hume Value Visa Credit Card

4.2

Balance transfer

N/A

Purchase rate

11.95% p.a. ongoing

Interest-free days

55 days

Annual fee

$0.00 p.a. ongoing

Details

  • $0 annual fee.
  • Benefit from a low-interest rate of 11.95% p.a. on purchases.
  • Enjoy up to 55 interest-free days.

Pros & cons

Pros
  • No annual fee card.
  • The low ongoing interest rate on purchases.
  • Up to 55 days interest-free period on purchases.
  • Minimum credit limits range between $500 to $20,000.
Cons
  • There are no introductory rates at the moment.
Hume Clear Visa Credit Card

Hume Clear Visa Credit Card

4.6

Balance transfer

N/A

Purchase rate

14.95% p.a. ongoing

Interest-free days

55 days

Annual fee

$30.00 p.a. ongoing

Details

  • The $30 annual fee is waived upon spending over $8,000 a year.
  • Earn 1 reward point for every $1 spent.
  • Enjoy up to 55 interest-free days.
  • Credit limits range from as low as $500 to as high as $50,000.

Pros & cons

Pros
  • Low annual fee with fee waivers for spending over $8,000.
  • 3 additional cardholders at no extra cost.
  • Earn cash redeemable loyalty points at the rate of 1 per $1 spent.
  • Get up to a $50,000 credit limit.
Cons
  • There are no introductory rates at the moment.
  • No special balance transfer offer at present.
  • Need to earn at least 400 points before you get money back in your account.

Hume Bank offers a simple choice of credit cards: low rates and fees or rewards.

Comparing Hume Bank Credit Cards with Other Options

It is essential to compare Hume Bank credit cards with other credit card options in the market to make an informed decision. Factors to consider when comparing credit cards include:

  • Interest rates
  • Rewards programs
  • Fees and charges
  • Customer service ratings
  • Additional perks and benefits

Applying for a Hume Bank Credit Card

To apply for a Hume Bank credit card, customers typically need to meet certain eligibility criteria and provide relevant documentation. The application process typically goes like this:

  • Submitting personal details
  • Verification of identity
  • Income verification
  • Credit checks
  • Agreeing to terms and conditions

Help choosing a Hume Bank credit card

Receive personalised assistance in selecting the optimal Hume Bank credit card that aligns with your financial goals and lifestyle preferences.

  • FAQs

What types of credit cards does Hume Bank offer?

Hume Bank offers two credit card options: the Value Visa and the Clear Visa, each tailored to meet different customer needs.

How can I apply for a Hume Bank credit card?

To apply for a Hume Bank credit card, you can visit their website or a local branch and follow the application process outlined.

What are the benefits of having a Hume Bank credit card?

Having a Hume Bank credit card may provide benefits such as competitive interest rates, rewards programs, and access to exclusive offers.

Can I manage my Hume Bank credit card online?

Yes, Hume Bank typically offers online account management services for customers to monitor and manage their credit card activity.

What should I do if I lose my Hume Bank credit card?

If you lose your Hume Bank credit card, it is essential to contact the bank immediately to report the loss and request a replacement card.

Are there any fees associated with Hume Bank credit cards?

Hume Bank may charge fees such as annual fees, late payment fees, and cash advance fees. It is advisable to review the fee schedule before applying for a credit card.

How can I earn reward points with a Hume Bank credit card?

With the Hume Clear Card, you earn loyalty points for every $1 spent on eligible purchases, allowing you to maximize your rewards.

Does Hume Bank offer balance transfer options for credit cards?

Hume Bank currently has no special balance transfer offers, but may provide options for credit cardholders to consolidate balances from other cards in the future, subject to terms and conditions.

What security measures are in place to protect Hume Bank credit cardholders?

Hume Bank implements various security features such as fraud monitoring, transaction alerts, and secure online banking platforms to protect credit cardholders from unauthorized transactions.