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Hume Business Visa Commercially Secured Credit Card

10.60%
Purchase rate
$60
Annual fee
55 days
Interest-free

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Hume Business Visa Commercially Secured Credit Card card
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CardIQ

53Fair

Fair

Overall score, out of 100 · How this works

  • 55 days interest-free61
  • Business45
  • Low rate69
  • Rewards37

Customer reviews

No reviews yet. Be the first to review the Hume Business Visa Commercially Secured Credit Card.

Pros & cons

What's good

  • The 10.6% p.a. purchase rate is among the lowest ongoing purchase rates (the median card charges 18.99% p.a.).
  • 2.85% foreign transaction fee, below the 3% most cards charge.
  • No fee to add an additional cardholder.

Worth noting

  • Earns 1 point per $1 on everyday spend, around the dataset average.
  • No balance transfer or introductory purchase offer.

Card details

The basics

Additional cardholder fee
$0 p.a.
Card tier
Standard
Card type
Visa
Card use
Business
Credit limit
$5,000 – $100,000
Credit rating
Good
Rewards program
Hume Loyalty Program

Eligibility

Instant approval
No
Joint application
Yes
Minimum age
18 years old
Minimum income
Not specified
Residency
Australian citizen or permanent resident
Temporary residents
Not eligible

Rates & fees

Ongoing interest rates

Cash advances
19.95% p.a.
Purchases
10.60% p.a.

Fees

Additional cardholder fee
$0
Annual fee
$60 p.a.
Cash advance fee
—
Foreign transaction fee
2.85%
Late payment fee
$20

Repayments

Interest-free period
Up to 55 days on purchases
Minimum repayment
3% of the closing balance or $10, whichever is greater

Balance transfers

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Earn rate

Everyday spend
1 pt per $1
Bonus categories
None
Other purchases
None
Overseas spend
None
ATO/government
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
Points don't expire while your account is open and in order.

Sign-up bonus

Bonus spend required
—
Sign-up bonus
—

Where this card sits vs similar cards

Compared with every other business credit card we list that has the feature. The further right the dot, the better this card does.

Interest-free days55 daysTied for best (1st of 37 cards)
Overseas fee2.85%Top 10% (4th of 39 cards)
Purchase rate10.60%Top 25% (6th of 34 cards)
Annual fee$60 a yearBetter than most (11th of 39 cards)
Rewards value$180 a yearNot as good as most cards (18th of 21 cards)

Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

Credit Card Compare
Australian credit card statisticsHow CardIQ scores cards
Issuer
Hume Bank