Hume Value Visa Credit Card
4.2
Highlights
- No annual fee, so you can keep more money in your pocket while using your card.
- Get a low interest rate of 11.95% p.a. on purchases.
- Enjoy up to 55 interest-free days.
Pros and cons
Pros
Cons
About this credit card
Basics
Card usage
Apple Pay Enabled
Yes
Card Type
Visa
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes
Eligibility
Joint Application Accepted
Yes
Minimum Age
18 years
Minimum Credit Rating
Good
Minimum Income
N/A
Temporary Residents Accepted
No
Additional cardholders
Additional Cardholders
3
Additional Card Fee Ongoing
$0.00
Credit limits
Minimum Credit Limit
$500.00
Maximum Credit Limit
$20,000.00
Repayments
Interest Charged From
Purchase date
Interest Free Period
Up to 55 days on purchases
Minimum Repayment Percentage
3%
Balance transfers
Balance transfer offer
Balance Transfer Rate
N/A
Balance Transfer Period
N/A
Balance Transfer Fee Percentage
N/A
Balance transfer conditions
Balance Transfer From Personal Loan
N/A
Balance Transfer Limit Percentage
N/A
Balance Transfer Revert Rate
N/A
Rates, fees, charges
Cash advances
Cash Advance Rate
19.95% p.a.
Cash Advance Fee
N/A
Cash Advance Fee Percentage
N/A
Cash Advance Fee Threshold
N/A
Purchases
Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
11.95% p.a.
Account fees
Annual Fee Initial Year
N/A
Annual Fee Ongoing
$0.00
Dishonour Fee
$15.00
Duplicate Statement Fee
$2.00
Foreign Exchange Fee Percentage
2.85%
Late Payment Fee
$20.00
Rewards
Rewards program basics
Rewards Program
N/A
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A
Rewards points per $1 spent
Domestic Rewards Points Earn Rate
N/A
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
N/A
Additional perks
Insurance
Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
No
Cardholder's International Travel Insurance
No
Cardholder's Interstate Flight Inconvenience
No
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
No
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
No
Travel and lifestyle
Airport Lounge Access Included
No
Concierge Service Included
No
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
N/A
Our review
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The basics
- Additional cardholders. Hume Bank offers up to 3 additional cardholders for free with their Hume Value Visa Credit Card. This allows you to share your account with family and friends, but you will be responsible for managing the account and repayments.
- Digital wallets. Supports Apple Pay, Google Pay, Samsung Pay, Garmin Pay, and Fitbit Pay.
- Gambling transactions. Gambling transactions are not blocked.
Rewards and benefits
- Complimentary travel insurance. The Hume Value Visa Credit Card does not provide complimentary international travel insurance coverage.
- Concierge services. The Hume Value Visa Credit Card does not provide cardholders with access to a concierge service.
- Insurances. This card comes with fraud protection.
- Rewards points. This credit card does not have a rewards program.
- Sign up bonus. Hume Bank does not currently offer any sign up bonus for this card.
Rates and fees
- Annual fee. There is no ongoing annual fee for this card.
- Balance transfers. This card does not currently offer a balance transfer offer.
- Cash advances. A cash advance transaction with the Hume Value Visa Credit Card will attract interest at a rate of 17.95% p.a., starting immediately from the transaction date. Cash advances made on this card will incur a one-off fee.
- Foreign exchange fee. Transactions made while shopping at an online overseas store or when travelling outside Australia in a foreign currency will incur a 2.85% fee.
- Interest-free period. The Hume Value Visa Credit Card offers up to 55 days interest-free on purchases (except cash advances) when you pay your balance in full or make the minimum required payments by the due date.
- Purchases. There is no introductory offer on purchases. All purchases made with this card will attract interest at 11.95% p.a.
Reviewed by Credit Card Compare Staff
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