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Finding a credit card that truly rewards your spending while keeping costs in check can be challenging. The Hume Clear Visa Credit Card is crafted to give you more for every dollar you spend, whether it’s through earning cash rewards or enjoying low fees
Designed with the everyday spender in mind, this card is all about helping you maximise your financial potential with ease and simplicity.
Unlock the Benefits of the Hume Clear Visa
The Hume Clear Visa is packed with features that enhance your purchasing power. Whether you’re shopping for essentials or treating yourself to something special, this card ensures you’re rewarded for every dollar you spend.
Earn Cash Back on Every Purchase
With the Hume Clear Visa, every purchase you make brings you closer to redeemable cash rewards. For every dollar you spend, you accumulate loyalty points that can be converted into cash, giving you a tangible return on your everyday spending.
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Extended Interest-Free Period
One of the standout features of this card is up to 55 days of interest-free credit on purchases. By managing your balance effectively and paying off your debt each month, you can enjoy the flexibility of making purchases without immediately accruing interest, which can help keep your finances on track.
Affordable Annual Fee with a Waiver Option
The Hume Clear Visa comes with a modest $30 annual fee. However, if you spend $8,000 or more annually, this fee is waived, making the card even more cost-effective. This feature is ideal for those who prefer to keep fees to a minimum while enjoying the card’s benefits.
Consider These Drawbacks Before Choosing the Hume Clear Visa Credit Card
While the Hume Clear Visa Credit Card offers several attractive benefits, there are a few drawbacks that potential users should consider. First, the interest rate on purchases, set at 14.95% p.a., might be considered high for those who tend to carry a balance on their card
Although this rate is competitive, it can still lead to significant costs over time if the balance isn’t paid in full each month.
Another downside is the cash advance interest rate, which is set at 19.95% p.a. This rate is quite high, making cash withdrawals an expensive option, particularly if the amount isn’t repaid quickly.
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Additionally, the card carries a $30 annual fee, which is only waived if you spend $8,000 or more per year. For those who don’t meet this spending threshold, the annual fee could diminish the value of the card’s benefits.
Finally, while the rewards program is useful, it is somewhat limited compared to other cards that offer more options and flexibility in how points can be redeemed. This might be a drawback for users looking to maximise the benefits of their credit card.
How to Apply for the Hume Clear Visa Credit Card
If you’re ready to apply for the Hume Clear Visa Credit Card, here’s a detailed guide to help you through the process:
Step 1 – Begin by navigating to the Hume Clear Visa Credit Card page on the Hume Bank website.
Step 2 – Once you’re on the card’s page, find and click the ‘Apply Now’ button, which will direct you to the application portal.
Step 3 – You will be prompted to indicate whether you have previously started an application. If this is your first time, choose ‘No, this is a new application.’
Step 4 – Next, you’ll need to confirm that you meet the basic eligibility criteria, which include being at least 18 years old and an Australian citizen or permanent resident.
Step 5 – The following step involves electronic identity verification. Ensure you have at least two forms of ID available, such as your Australian Driver’s Licence, Medicare Card, or Passport. Having a third ID ready is advisable as a precaution.
Step 6 – Proceed by following the instructions to enter your personal and financial details. The entire process typically takes around 15 minutes. After completing the form, submit your application.
If you select “Yes, take me to my application,” you will be directed to the login page where you’ll need to enter your credentials and continue with your application from that point.
Step 7 – Once you’ve submitted your application, allow Hume Bank some time to process it. They might reach out if any additional information is required.
Step 8 – Upon approval, your Hume Clear Visa Credit Card will be sent to you by mail, ready for use.
Eligibility Requirements
Before applying, ensure that you meet the basic eligibility criteria:
- Age: Applicants must be at least 18 years old.
- Residency: You must be an Australian citizen or permanent resident.
- Identification: Be prepared to provide at least two forms of ID, such as a driver’s licence, Medicare card, or passport. It’s a good idea to have three forms of ID ready in case additional verification is required.
- Credit History: A solid credit history is typically necessary for approval.
Rates and Fees Overview
Here’s a summary of the key rates and fees associated with the Hume Clear Visa:
- Interest Rate on Purchases: 14.95% p.a.
- Cash Advance Rate: 19.95% p.a.
- Annual Fee: $30 (waived if $8,000 is spent annually)
- Application Fee: $0
- Fee for Additional Cardholders: $0
- Interest-Free Period: Up to 55 days on purchases, provided the balance is paid in full by the due date.
Flexible Payment Options
The Hume Clear Visa offers multiple convenient payment methods, making it easy to manage your finances:
- Apple Pay: Secure, fast payments using any of your Apple devices.
- Google Pay: Simplified payments on websites, in apps, and at physical stores.
- Samsung Wallet: Transform your phone into a digital wallet and pay without physical cards.
- Hume Bank App: Manage your card and finances directly from your smartphone with the Hume Bank app.
Contacting Hume Bank
If you need assistance or have any questions, Hume Bank provides several ways to get in touch:
- Phone: Reach them at 1300 004 863 during business hours.
- International Calls: Dial +61 2 6051 3211 for overseas inquiries.
- Mail: Send your questions to PO Box 343, Albury NSW 2640.
- Email: General inquiries can be directed to [email protected].
