Business Visa credit card

What you need to succeed

Managing cash flow is a big part of any small business. We’ve designed our Business Visa credit card to make sure a lack of financing won’t hold you back.

With a low rate, multiple cardholders and cash rewards you’ll be able to save money on your business and invest in the growth you’ve been dreaming of.

Business Visa

10.10% p.a.1

low interest rate on residentially secured cards

How could we work together?

Get in touch with our business banking team to chat about our product offering and how we can tailor it to your needs.

Banking that’s better

This card is all about giving small businesses the tools to succeed. Whether it’s saving money with low rates, making your dollars work harder, or support on your business journey – our Business Visa credit card has just about everything you need.

Browse features

Business Visa credit card

$5,000 minimum credit limit
Up to 55 days interest free2
No application fee
Additional cards available with individual limits
Earn loyalty points for every $1 you spend3
Annual fee waived when previous spend exceeds $24,0004
Equipped with Visa payWave for contactless payments

The low-down on rates & fees

 

Interest rates

Security typeInterest rate on purchases (p.a.)Interest rate on cash advances (p.a.)
Residential10.10%19.95%
Commercial10.60%19.95%
Unsecured 13.60%19.95%

 

Card fees5

TypeFee
Application fee$0
Annual fee$60
Annual spend hurdle to waive annual fee4$24,000
Minimum repayments3% of the closing balance as shown on the statement or $10.00, whichever is the greater or, if the closing balance is less than $10.00, the closing balance.

Get the ball rolling

We love helping local businesses do their thing. If you think banking with us might be the right choice, get in touch – online, in a branch or on the phone. Our business banking team is ready and waiting to hear from you!

Explore our credit cards

Hume Value Visa

11.95% p.a.

Interest rate on purchases

  • $500 - $20,000 credit range
  • Fixed interest rate
  • $0 annual fee
  • Up to 55 days interest free on purchases
  • Earn loyalty points
  • $0 application fee
  • No fee for additional cardholders
  • Safer online shopping with Verified by Visa

Hume Clear Visa

14.95% p.a.

Interest rate on purchases

  • $500 - $50,000 credit range
  • Fixed interest rate
  • $0 annual fee
  • Up to 55 days interest free on purchases
  • Earn loyalty points
  • $0 application fee
  • No fee for additional cardholders
  • Safer online shopping with Verified by Visa

Business Visa

10.10% p.a.

Interest rate on purchases (residentially secured)

  • $5,000 minimum credit limit
  • Fixed interest rate
  • $0 annual fee
  • Up to 55 days interest free on purchases
  • Earn loyalty points
  • $0 application fee
  • No fee for additional cardholders
  • Safer online shopping with Verified by Visa
  • Additional cards available with individual limits

Banking built for business

Business banking can be rough – but it doesn’t have to be! Whether you’re a sole trader or a company with more complex needs, we’ve got you covered with great resources and friendly, professional support.

Things you should know

Rates, fees and charges and other information correct as at 16 August 2019 and may change without notice.

Terms, conditions, fees, charges and lending criteria apply.

Please read the Product Disclosure Statement, General Conditions, Conditions of Use and Fees & Charges and consider whether this product is right for you. Also available in branch or at 1300 004 863.

To view the Target Market Determination for this product, go to Target Market Determinations.

Cards available to approved applicants only. Guarantees may be required from directors, partners or officers of the business. Government legislation requires us to provide you with a Credit Card Key Facts Sheet when applying for a credit card. This information sheet contains standard product information about Hume Bank credit cards.

1 Interest rate applies to purchases on a residentially secured Business Visa credit card.

2 There are no interest free days on cash advances.

3 Loyalty point structure of 1 point = $1 accrue on eligible transactions and not on cash advances and BPAY payments and provided the card account is conducted satisfactorily. Terms and conditions apply.

4 The annual fee will be waived if the previous year’s annual card spend exceeds this amount. Cash advances, BPAY payments and balance transfers do not count towards this total.

5 A full list of current fees applicable to this credit card can be obtained here.

Cards available to approved applicants only. Guarantees may be required from directors, partners or officers of the business. Government legislation requires us to provide you with a Credit Card Key Facts Sheet when applying for a credit card. This information sheet contains standard product information about Hume Bank credit cards.