Hume Clear Visa Credit Card

The basics

• Additional cardholders. This card allows up to 3 additional cardholders for free, which means you can share your account with family members. There is no additional fee for the initial year and no ongoing fees for the additional cardholders.
• Digital wallets. Works with Apple Pay, Google Pay, Samsung Pay, Garmin Pay, and Fitbit Pay.
• Gambling transactions. Gambling-related transactions are not allowed.

Rewards and benefits

• Complimentary travel insurance. International travel insurance is not included with the Hume Clear Visa Credit Card.
• Concierge services. The Hume Clear Visa Credit Card does not offer a concierge service.
• Insurances. This card provides fraud protection but does not include extended warranty insurance, international travel insurance, price protection insurance, purchase protection insurance, or transport accident insurance.
• Rewards points. With the Hume Clear Visa Credit Card, you can earn 1 point for every dollar spent on eligible purchases into the Hume Loyalty Program. Points do not expire, and there is no cap on points earned in a month or year.
• Sign-up bonus. There is no sign-up bonus offer on this card at the moment.

Rates and fees

• Annual fee. This card has an initial annual fee of $30 which will be waived for annual spending over $8,000.
• Balance transfers. Balance transfers are available, but there is no special balance transfer offers at present.
• Cash advances. Cash advances with the Hume Clear Visa Credit Card are charged an interest rate of 19.95% p.a., which will be applied from the transaction date. Cash advances made with this card will incur a one-off cash advance fee.
• Foreign exchange fee. Purchases made in a foreign currency, either while travelling overseas or ordering from an overseas online store, will incur a 2.85% fee.
• Interest-free period. With the Hume Clear Visa Credit Card, you can enjoy up to 55 days interest-free on purchases (except cash advances) provided you have paid your previous balance in full or made the minimum required payment.
• Purchases. There is no introductory offer for purchases with the Hume Clear Visa Credit Card. All purchases will attract interest at the rate of 14.95% p.a.