Hume Bank Value Visa Card

11.95% p.a.

No current offer

$0

n/a

Hume Bank Value Visa Card

11.95% p.a.

No current offer

$0

n/a

Mozo Review   Hume Bank Value Visa Card Review

Last updated: 18 October 2018.

What's hot:
  • Mozo Experts Choice Awards Winner 2018

  • 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, offering top value as one of the best value no annual fee cards in the market in this year's Mozo Experts Choice Awards.

 
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 17.95%. 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.

Who it's 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.

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 19 October 2018.

Rates
  • 11.95% p.a.

  • none

  • No current offer

  • none

  • 17.95% 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

Customer Reviews

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

Overall customer rating
9.3/10
Price
9.8/10
Features
8.8/10
Customer service
9.3/10
Convenience
9.8/10
Trust
10.0/10

Latest review of Hume Bank Value Visa Card

  • Overall
    10/10
    Great customer service

    Hume Building Society, an absolutely amazing place to deal with. Can actually call and speak...

    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

    Mary | Victoria

    reviewed over 4 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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