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Hume Bank Value Visa Credit Card
Hume Bank Value Visa Credit Card

Hume Bank Credit Cards

Hume Bank Value Visa Credit Card

Updated 26 September 2021

Keep your costs down with Hume Bank Value Visa credit card's low interest rate of 11.95% p.a. on purchases and $0 annual fee. Plus, enjoy up to 55 days interest free on purchases and add extra cardholders for free. T&Cs apply.

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Annual Fee (p.a)



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Pros and cons

  • 11.95% p.a. on purchases
  • No annual fee
  • No fee for additional card holders
  • Eligible with Apple Pay and Google Pay

  • No extra features review

Editor Review

Hume Bank Value Visa Credit Card

Roland Bleyer
Credit Card Expert with over 15 years card experience and the founder of about this card.

The Hume Bank Value Visa Credit Card

With a strong focus on value, the Hume Bank Value Visa Credit Card works to keep costs down by charging no annual fee for both primary cardholders and additional cardholders. The card also has a low ongoing purchase rate for cardholders who carry a balance, and for those who don’t, there is up to 55 days interest free on purchases available.

What we love...

The Hume Bank Value Visa Credit Card is a no frills card. That means, instead of offering lots of fancy features, it keeps it simple. But, for the right cardholder, simple can be good. Why would you want a simple card? One of the main reasons to choose this type of card is that simple typically equals low cost. So, it can help you save money.

First, let’s look at this card’s annual fee. Can’t see it? That’s because it doesn’t exist. This is a no annual fee credit card, which means there is no annual fee to pay, ever. And if you want to add an additional cardholder to the account, this also happens to be free, with no additional cardholder annual fee to worry about either.

While low rates and low fees don’t always go hand in hand, with the Hume Bank Value Visa Credit Card, they do. As Hume Bank is a mutual, it can offer a nice low rate on purchases, alongside no annual fee. What does being a mutual have to do with it? With no external shareholders to pay profits to, mutuals like Hume Bank can re-invest profits to provide more competitive rates.

The card’s low rate could appeal to cardholders who carry a balance. If you have to pay interest on your balance, you want that interest rate to be as low as possible. Which is why cardholders who carry a balance are usually better off with low rate cards than fuller featured cards with higher interest rates.

However, if you happen to clear your balance each month, this card can offer you the opportunity to save as well. By paying off your balance by the due date each statement period, you can benefit from up to 55 days interest free on purchases. That means, with no annual fee and no interest to pay, you are effectively accessing credit for free.

What’s not so great...

As we mentioned earlier, the Hume Bank Value Visa Credit Card is a basic card, which means features are thin on the ground. This may not suit all cardholders, especially those who expect more from their card. If you want more in features and rewards, it would be best to look elsewhere. Hume Bank’s Clear Visa offers cash back rewards, which could provide a worthy alternative.

Why should you choose this card?

Choosing the Hume Bank Value Visa Credit Card means being part of a mutual. As smaller organisations owned by members, mutuals can provide a very different experience for those who choose to bank with them. As a member, you could benefit from access to credit for no annual fee, lower rates, and excellent customer service from a bank that truly values its members.

With no annual fee, the card could appeal to those who want to save money, or those who believe access to a credit card shouldn’t come with an annual fee. It could work well for someone who wants to keep a card in their wallet for emergencies, or someone who wants a simple card that doesn’t require an instruction manual to understand its features.

Overall Rating

A no frills option, the Hume Bank Value Visa Credit Card has no annual fee and a low ongoing purchase rate.

User reviews

Hume Bank Value Visa Credit Card ( based on 1 user review )

72% rating based on 1 review

Customer Service

Rates and fees

Interest rates

Purchase rate 11.95% p.a.

Cash advance rate 19.95% p.a.

Interest free period on purchases up to 55 days

Credit limits

Minimum credit limit $500

Maximum credit limit $20,000

Fees & repayments

Annual fee $0 p.a.

Additional cardholder fee Free

Foreign transaction fee N/A

Minimum repayment 3% or $10 (whichever is greater)

Cash advance fee N/A

Late payment fee N/A

Additional features

Complimentary insurance

International Travel Insurance No

Flight Inconvenience Insurance No

Transit Accident Insurance No

Smartphone Screen Insurance No

Purchase Protection Insurance No

Extended Warranty Insurance No

Rental Vehicle Excess In Australia Insurance No


Eligible with Apple Pay & Google Pay


Hume Bank Value Visa Credit Card

Key features

  • 11.95% p.a. on purchases
  • Up to 55 interest free days on purchases
  • No annual fee
  • No fee for additional card holders
  • Eligible with Apple Pay

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Permanent Resident or Australian Citizen

  • You have your personal details ready to complete the online application

Roland B Bleyer

Roland B Bleyer founded in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

4 questions (showing the latest 10 Q&As)



18 February 2021
How do I apply thru online?
Peter Rhodes

Peter Rhodes

15 January 2021
Do you charge a foreign transaction fee on this card and if so what is the charge
Gail spaul

Gail spaul

14 January 2021
Do u have to be receiving a certain amount of money. I’m a pensioner ant at the moment I have a credit card that I pay 46% interest
    Roland B Bleyer - Founder


    14 January 2021
    Hi Gail, as a pensioner without other income. It can be difficult for approval as they do not see the pension as income. Reach out to Hume directly to see if they may be able to approved you
Graeme ( Neil) Wass

Graeme ( Neil) Wass

15 March 2020
How do I make repayments to my credit card
    Roland B Bleyer - Founder


    16 March 2020
    Hi Neil, its not clear on the Hume bank website how you make repayments. Give them a call on 1300 004 863. They will be able to assist. Likely you can make payments through BPAY or in branch.

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