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The Australian Government has passed new legislation that will change the way we calculate interest on credit card purchases.

What this means for you is highlighted below;

How will this impact me?

The changes provide guidelines as to when interest can be charged on credit card purchases.

For Hume customers this means your previous repayment behaviour will influence your eligibility for interest free purchases.

See our FAQ’s below for more details.


When will these changes take effect?

Law reforms relating to the charging of interest on credit card accounts have been implemented in the March to April 2019 statement period.

Interest adjustments resulting from the delay in implementing these law reforms will no longer apply.


Detailed information 

Hume’s Conditions of Use will be updated from the 1st January, download a copy here.

An infographic is available which provides more detail on these changes. View here.

For more information please call 1300 004 863.


How do I avoid paying interest on my credit card?

You won't pay interest on purchases if you pay off your closing balance on, or before, the due date each month.

The payment due date on all Hume Credit Cards is the 10th of every month.

What happens if I don't pay off my closing balance before the due date?

You will be charged interest, determined by when you last paid your last closing balance.

I paid my closing balance last month, but I'm unable to pay off my closing balance this month. What interest will I be charged?

You're eligible for interest free purchases, any interest charged will only be on purchases in the current period from the day after the due date.

I didn't pay off my closing balance last month and I'm unable to pay off my closing balance this month, what interest will I be charged this month?

Unfortunately, you're not eligible for interest free purchases. Interest will be charged on all purchases in the current period and outstanding balances from prior periods.

How do I get back on track for interest free?

Pay your closing balance on, or before, the due date. Alternatively pay your outstanding balance immediately.