Credit Cards FAQs

If approved you will receive a Letter of Offer in the mail that outlines the terms and conditions of the credit card that you have chosen. Once you receive this letter, your card and PIN will be mailed to you within 10 days.

If you don’t supply us with all the required information we may need to contact you; for example if you don’t include proof of income we may need to contact you or your employer to confirm your income.

We may also have tried to contact you via email. Due to some provider settings these emails can occasionally be marked as spam, so please check all your email folders.

To be approved for a Hume Visa card, you need to be a customer of Hume. If you are not already a customer, you will need to come into a Hume branch and provide appropriate ID before approval.

Yes, please read the declaration on the application form and complete the balance transfer request on the application form.

If two people have a joint account they are liable together and separately to Hume for all charges to the card account. Both can have access to the card account via internet banking and to other account information on request.

An additional cardholder, however, has no liability to Hume for any charges incurred by using their card; this is the responsibility of the primary cardholder(s). Access to internet banking and other account information is not available to the additional cardholder unless specifically authorised by the primary cardholder(s).

Hume’s Loyalty scheme is simple and easy to understand. For every dollar you spend, you will earn one Loyalty point*. You can nominate either your credit card account or a Hume savings account to receive your loyalty points. Loyalty points will be credited to your nominated account every six months at the rate of 400 Loyalty Points to one Australian dollar.  
 

*Loyalty points are earned from any purchase by a cardholder, excluding BPAY payments, balance transfers, cash advances, fees and charges under a card account, interest charges, government fees and charges and unauthorised purchases for which you are not liable.

You can activate your Visa credit and debit cards via iBank or by calling 1300 004 863. 

1. Log on to iBank via www.humebank.com.au
2. Select the menu “My Options” and “Activate Card”
3. Enter card number and expiry date via a scrambled PinPad

If you have forgotten your PIN call us on 1300 004 863 or visit any Hume Bank branch. 

If you know your current PIN but would like to change it, you can change your PIN at Hume Bank ATMs or on the Hume Bank App. 

Regular payments can be either a recurring payment or an instalment payment. A Regular Payment represents an agreement between you (the cardholder) and a merchant in which you preauthorise the merchant to bill your credit card account at predetermined intervals (e.g. monthly or quarterly) or at intervals as agreed by you. The amount may differ or be the same for each transaction.

For example: You may ask your local gymnasium to charge your monthly gym membership fee to your credit card each month.

Or,

You may have purchased a new television from your local appliance store and are being billed by the merchant in subsequent multiple periods.

There are many benefits for cardholders who set up regular payments including:

• Ensures timely payments to the merchant
• Saves you time as the payment is processed automatically
• Saves you money as you do not have to pay for cheques, money transfers or postage, nor will you be liable for late fees.

Regular payment arrangements are an agreement between you (the cardholder) and the merchant. You should keep a record of all regular payment arrangements you have established with your merchant and store in a safe place. A template for recording your regular payment arrangements is available here.

You are responsible for notifying the merchant when your account details change, including a change in credit card number and/or change of credit card expiry date. Until you notify the merchant, your bank is required to process transactions from the merchant.

Use this document to generate a Change in Account Details letter to your merchant. We recommend you keep a copy of any Change in Account Details letter sent to your merchant and your earlier regular payment agreements. This correspondence will be required when your merchant does not comply to your request in a timely manner and you decide to dispute any incorrectly charged regular payments.