Thumbnail icon for Hume Bank

Hume Bank Value Visa Card

Purchase rate
11.95% p.a.
Balance transfer rate
No current offer
Annual fees
$0
Interest free days on purchases
55

Mozo editorial review Hume Bank Value Visa Card

Last updated: 21 October 2019.

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What's hot
  • Mozo Experts Choice Award 2019
  • No annual fee
  • 11.95% purchase rate
What's not
  • $20 Llate payment fee
Mozo snapshot

What's not to love about a low rate credit card that won't cost you a cent in annual fees and has a low 11.95% ongoing purchase rate? Nothing. According to our experts, the Value Visa Card lives up to its name, as in took out a best No Annual Fee Credit Card Award at the 2019 Mozo Experts Choice Awards.

 
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Key features

The Hume Value Visa card comes with a low purchase rate of 11.95%. If you pay your balance off in full each month you'll get up to 55 interest free days. It has zero annual fees so, if you're looking to keep a credit card in your wallet for occasional purposes then this is a great choice as it won't cost you a cent in annual fees.  

The card is connected via the Visa network so you can make purchases in Australia and overseas whereever Visa is accepted. The card is chip enabled so for purchases under $100 you can just tap and pay. If you're using the card overseas or shopping online at international stores, there is a 2.85% foreign exchange margin on the AUD purchase amount. This is standard for many credit cards.

While cash advances are available with the Value Visa, the interest rate charged is higher at 19.95%. And unlike purchases, with cash advances there are no interest free days, you will start paying interest immediately.

You can get an additional card at no extra cost.

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Who is it good for

This card is best for people who want the option of a credit card but don't intend to use it a lot, or need rewards. This is because the card has no annual fee, and makes it effectively free if you aren't ever late with your repayments.

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Any catches

There is a $20 late payment fee, so make sure that you set up automatic monthly repayments to avoid this.

Details

Rates and fees information correct as at 10 July 2020 Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 11.95% p.a.

  • none

  • No current offer

  • none

  • 19.95% p.a.

  • 55

Fees
  • $0.00

  • none

  • none

  • none

  • $20.00

  • $0

  • 2.85%

  • $2.00

  • $30.00

  • $0.00

Features
  • $10.00

  • 3.0

  • 3

  • none

Payment options

Apple Pay, Google Pay

Customer Reviews

How are Hume Bank credit cards rated by the Mozo community?

Overall customer rating
9.4/10
Price
9.7/10
Features
8.9/10
Customer service
9.4/10
Convenience
9.8/10
Trust
10.0/10

Latest reviews of Hume Bank Value Visa Card

  • Overall 10/10
    Fantastic community feel & great customer service.

    We have banked with the Hume Bank for more than 30 years, have paid off 2 houses and a couple of credit cards with them! Very happy and I do regularly have a look at the competition.

    Read full review

    We have banked with the Hume Bank for more than 30 years, have paid off 2 houses and a couple of credit cards with them! Very happy and I do regularly have a look at the competition.

    Price
    9/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Christine, New South Wales reviewed 7 months ago
  • Overall 10/10
    Great customer service

    Hume Building Society, an absolutely amazing place to deal with. Can actually call and speak with a person! Fantastic customer service, no charge for a having a credit card with them either, I wish I had found them years ago, traditional banks need a real good shake up! I haven't found any cons, just read all the stuff that comes with your cards! Obviously penalties as with all banks apply if you don't pay on time. I have two credit cards with them, Visa gold and Visa loyalty.

    Read full review

    Hume Building Society, an absolutely amazing place to deal with. Can actually call and speak with a person! Fantastic customer service, no charge for a having a credit card with them either, I wish I had found them years ago, traditional banks need a real good shake up! I haven't found any cons, just read all the stuff that comes with your cards! Obviously penalties as with all banks apply if you don't pay on time. I have two credit cards with them, Visa gold and Visa loyalty.

    Price
    9/10
    Features
    9/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Mary, Victoria reviewed about 6 years ago
Hume Bank

About Hume Bank

Hume Bank, formerly Hume Building Society, gives its members access to an extensive range of products with great saving rates, no monthly fees and low loan rates. Hume Bank offers products in both business and personal banking. With Hume's personal products including: savings accounts, credit cards, term investments, home loans, debit cards, personal loans, financial planning services and car insurance. Hume Bank's business range includes credit cards, every-day banking accounts, business lending and internet banking facilities.

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