Hume Clear Visa Credit Card
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CardIQ
Good
Overall score, out of 100 · How this works
- 55 days interest-free58
- First timer74
- Low rate66
- Rewards39
Customer reviews
No reviews yet. Be the first to review the Hume Clear Visa Credit Card.
Pros & cons
What's good
- The 14.95% p.a. purchase rate is below the 18.99% p.a. market median.
- The $30 annual fee is low: it undercuts the $70 median.
- 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
- Personal
- Credit limit
- $500 – $50,000
- Credit rating
- Good
- Rewards program
- Hume Loyalty Program
Eligibility
- Instant approval
- No
- Joint application
- No
- 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
- 14.95% p.a.
Fees
- Additional cardholder fee
- $0
- Annual fee
- $30 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 personal credit card we list that has the feature. The further right the dot, the better this card does.
Data as at August 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.
Compare side by side
- Hume Clear Visa Credit CardvsAmerican Express Essential Rewards Credit Card
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- Hume Clear Visa Credit CardvsAmerican Express Velocity Escape Plus Card
- Hume Clear Visa Credit CardvsAmerican Express Velocity Platinum Card
- Hume Clear Visa Credit CardvsANZ First
- Hume Clear Visa Credit CardvsANZ Frequent Flyer Black
- Hume Clear Visa Credit CardvsANZ Frequent Flyer Platinum
- Hume Clear Visa Credit CardvsANZ Low Rate
- Hume Clear Visa Credit CardvsANZ Low Rate - Credit Back Offer
Browse by card type
Compare the Hume Clear Visa Credit Card against every other card in its category.
Questions and answers
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Sources
- Credit Card Compare
- Australian credit card statisticsHow CardIQ scores cards
- Issuer
- Hume Bank