{
  "brand": "Hume Bank",
  "brand_label": "Hume Bank",
  "brand_slug": "hume-bank",
  "legal_entity_abn": "85051868556",
  "public_base_uri": "https://ibankob.humebank.com.au/OpenBanking",
  "logo_uri": "https://ibankob.humebank.com.au/humebank.png",
  "status": "ok",
  "stale": false,
  "bank_last_updated": "2026-05-01T01:51:28Z",
  "at_a_glance": {
    "note": "This bank's entry per customer segment (personal, business) and ranking kind (low_rate, no_annual_fee, balance_transfer, rewards), one line each: its card in the best/{segment}/{kind}.json slice (student cards, companion cards and occupation-limited lenders left out, as there), so it matches best/ and top/; a bank with no entry there for a segment and kind takes its entry from entries_all. conditions is a key into condition_sets. unranked counts the cards no slice ranks, by reason. Every card follows in products and rows.",
    "rates": [
      {"segment":"personal","kind":"low_rate","rank":16,"of":52,"product_label":"Visa Value","card_type":"credit","purchase_rate_pct":11.95,"annual_fee":null,"fee_period":null,"annual_fee_stated":false,"interest_free_days":55,"min_credit_limit":500.0,"max_credit_limit":20000.0,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":null,"conditions":"k1","restrictions":[],"record_stale":true},
      {"segment":"business","kind":"low_rate","rank":8,"of":13,"product_label":"Business Visa","card_type":"credit","purchase_rate_pct":13.6,"annual_fee":60.0,"fee_period":"annual","annual_fee_stated":true,"interest_free_days":55,"min_credit_limit":5000.0,"max_credit_limit":null,"bt_promo_rate_pct":null,"bt_promo_months":null,"bt_fee_pct":null,"bt_revert_rate_pct":null,"rewards_program":null,"conditions":"k2","restrictions":[],"record_stale":false}
    ],
    "condition_sets": {
      "k1": [
        "not updated by the bank since 2026-05-01; check its page, as the rate or fee may have changed",
        "credit limit $500 to $20,000",
        "2.85% foreign conversion fee on transactions in a currency other than Australian dollars",
        "$20 late payment fee",
        "no annual fee"
      ],
      "k2": [
        "corrected from the bank's own page: 13.60% on purchases unsecured (10.10% secured on a home, 10.60% on commercial property) and 19.95% on cash advances, per the bank's business card page; the feed gives no rate, so the unsecured rate is ranked",
        "credit limit from $5,000",
        "Business customers only",
        "$60 annual fee waived if the previous year's purchases exceed $24,000",
        "2.85% foreign conversion fee; $20 late payment fee",
        "purchase rate depends on security: 10.10% residentially secured, 10.60% commercially secured, 13.60% unsecured; 19.95% cash advances"
      ]
    },
    "unranked": {
      "products": 0
    }
  },
  "source": "Consumer Data Right Product Reference Data APIs (public, unauthenticated), credit and charge cards category",
  "licence_note": "Rates and fees are published by each bank under the Consumer Data Right as public Product Reference Data and are reproduced here as reference data with the source URL and the bank's own last-updated timestamp on every row. Rates, fees and offers change without notice; promotional balance transfer and purchase rates end after their months; check the bank's page before acting. This is not financial advice.",
  "products": [
    {
      "product_id": "S32V1",
      "product_name": "Visa Clear",
      "product_label": "Visa Clear",
      "product_slug": "visa-clear",
      "page": "/au/finance/credit-cards/cards/hume-bank/visa-clear/",
      "product_url": "https://www.humebank.com.au/personal/credit-cards/hume-clear-visa",
      "terms_url": "https://www.humebank.com.au/tools-help/product-tcs/",
      "fees_url": "https://www.humebank.com.au/media/2023/04/Credit-Card-Fees-and-Charges1.pdf",
      "eligibility_url": "https://www.humebank.com.au/tools-help/product-tcs/",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "One for the everyday spenders who make good use of their plastic.",
      "purchase_rate_pct": 14.95,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": null,
      "cash_advance_rate_pct": 19.95,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 30.0,
      "fee_period": "annual",
      "fee_as_stated": 30.0,
      "annual_fee_stated": true,
      "annual_fee_note": "the feed's only periodic fee is labelled FEEVISAAN, read as the card's annual fee",
      "fee_name": "FEEVISAAN",
      "fee_offers": [],
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": null,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": null,
      "cash_advance_fee": null,
      "late_payment_fee": null,
      "additional_cardholder_fee": null,
      "balance_transfer": null,
      "rewards_program": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [],
      "digital_wallets": [
        "Apple Pay",
        "Google Pay",
        "Garmin Pay"
      ],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": true,
      "min_credit_limit": 500.0,
      "max_credit_limit": 50000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2026-05-01; check its page, as the rate or fee may have changed",
        "credit limit $500 to $50,000",
        "$30 annual fee waived if the previous year's card spend exceeds $8,000",
        "2.85% foreign conversion fee on transactions in a currency other than Australian dollars",
        "$20 late payment fee"
      ],
      "eligibility": [],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [],
      "source_kind": "feed",
      "record_stale": true,
      "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/S32V1",
      "source_snapshot": "/au/finance/credit-cards/v1/source/hume-bank/S32V1.json",
      "snapshot_at": "2026-10-24T09:58:00Z",
      "bank_last_updated": "2026-05-01T11:47:56.000+10:00",
      "document_links_source": {
        "fees_url": "found by hand 2026-11-01: fees and charges",
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "key_facts_sheet_url": "https://www.humebank.com.au/media/2023/03/Key-Facts-About-This-Credit-Card-Personal.pdf",
      "from_issuer_page": null
    },
    {
      "product_id": "S31V1",
      "product_name": "Visa Value",
      "product_label": "Visa Value",
      "product_slug": "visa-value",
      "page": "/au/finance/credit-cards/cards/hume-bank/visa-value/",
      "product_url": "https://www.humebank.com.au/personal/credit-cards/hume-value-visa",
      "terms_url": "https://www.humebank.com.au/tools-help/product-tcs/",
      "fees_url": "https://www.humebank.com.au/media/2023/04/Credit-Card-Fees-and-Charges1.pdf",
      "eligibility_url": "https://www.humebank.com.au/tools-help/product-tcs/",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "description": "Our most popular card: no mess, no fuss, and no nasty surprises.",
      "purchase_rate_pct": 11.95,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": null,
      "cash_advance_rate_pct": 19.95,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": null,
      "fee_period": null,
      "fee_as_stated": null,
      "annual_fee_stated": false,
      "annual_fee_note": "the feed lists no annual or monthly card fee, so none is claimed",
      "fee_name": null,
      "fee_offers": [],
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": null,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": null,
      "cash_advance_fee": null,
      "late_payment_fee": null,
      "additional_cardholder_fee": null,
      "balance_transfer": null,
      "rewards_program": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [],
      "digital_wallets": [
        "Apple Pay",
        "Google Pay",
        "Garmin Pay"
      ],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": true,
      "min_credit_limit": 500.0,
      "max_credit_limit": 20000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2026-05-01; check its page, as the rate or fee may have changed",
        "credit limit $500 to $20,000",
        "2.85% foreign conversion fee on transactions in a currency other than Australian dollars",
        "$20 late payment fee",
        "no annual fee"
      ],
      "eligibility": [],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 16,
          "of": 52,
          "hidden_by_default": null
        }
      ],
      "source_kind": "feed",
      "record_stale": true,
      "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/S31V1",
      "source_snapshot": "/au/finance/credit-cards/v1/source/hume-bank/S31V1.json",
      "snapshot_at": "2026-10-24T09:58:00Z",
      "bank_last_updated": "2026-05-01T11:46:38.000+10:00",
      "document_links_source": {
        "fees_url": "found by hand 2026-11-01: fees and charges",
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "key_facts_sheet_url": "https://www.humebank.com.au/media/2023/03/Key-Facts-About-This-Credit-Card-Personal.pdf",
      "from_issuer_page": null
    },
    {
      "product_id": "S5V2",
      "product_name": "Business Visa",
      "product_label": "Business Visa",
      "product_slug": "business-visa",
      "page": "/au/finance/credit-cards/cards/hume-bank/business-visa/",
      "product_url": "https://www.humebank.com.au/business/business-visa-credit-card",
      "terms_url": "https://www.humebank.com.au/tools-help/product-tcs/",
      "fees_url": "https://www.humebank.com.au/media/2023/04/Business-Credit-Card-Fees-and-Charges_2.pdf",
      "eligibility_url": "https://www.humebank.com.au/tools-help/product-tcs/",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "business"
      ],
      "segment": "business",
      "description": "Hume Bank's Business credit card is a great business solution giving you freedom in managing your cash flow.",
      "purchase_rate_pct": 13.6,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "purchase_rate_note": null,
      "cash_advance_rate_pct": 19.95,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 60.0,
      "fee_period": "annual",
      "fee_as_stated": 60.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "FEEVANN",
      "fee_offers": [],
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": null,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": null,
      "cash_advance_fee": null,
      "late_payment_fee": null,
      "additional_cardholder_fee": null,
      "balance_transfer": null,
      "rewards_program": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "insurances": [],
      "digital_wallets": [
        "Apple Pay",
        "Google Pay",
        "Garmin Pay"
      ],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": true,
      "min_credit_limit": 5000.0,
      "max_credit_limit": null,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "corrected from the bank's own page: 13.60% on purchases unsecured (10.10% secured on a home, 10.60% on commercial property) and 19.95% on cash advances, per the bank's business card page; the feed gives no rate, so the unsecured rate is ranked",
        "credit limit from $5,000",
        "Business customers only",
        "$60 annual fee waived if the previous year's purchases exceed $24,000",
        "2.85% foreign conversion fee; $20 late payment fee",
        "purchase rate depends on security: 10.10% residentially secured, 10.60% commercially secured, 13.60% unsecured; 19.95% cash advances"
      ],
      "eligibility": [
        "Business customers only"
      ],
      "ranked": true,
      "unranked_reason": null,
      "rankings": [
        {
          "segment": "business",
          "kind": "low_rate",
          "rank": 8,
          "of": 13,
          "hidden_by_default": null
        }
      ],
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/S5V2",
      "source_snapshot": "/au/finance/credit-cards/v1/source/hume-bank/S5V2.json",
      "snapshot_at": "2026-10-24T09:58:00Z",
      "bank_last_updated": "2026-05-01T11:51:28.000+10:00",
      "document_links_source": {
        "fees_url": "found by hand 2026-11-01: fees and charges",
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "key_facts_sheet_url": "https://www.humebank.com.au/media/2023/04/Business-Credit-Card-Key-Facts.pdf",
      "correction": {
        "checked": "2026-11-01",
        "note": "13.60% on purchases unsecured (10.10% secured on a home, 10.60% on commercial property) and 19.95% on cash advances, per the bank's business card page; the feed gives no rate, so the unsecured rate is ranked",
        "fields": [
          "cash_advance_rate_pct",
          "purchase_rate_pct",
          "ranked",
          "unranked_reason"
        ],
        "quotes": {
          "rate": {
            "text": "Residential 10.10% 19.95% Commercial 10.60% 19.95% Unsecured 13.60% 19.95%",
            "url": "https://www.humebank.com.au/business/business-visa-credit-card/",
            "citation": {
              "quote": "Residential 10.10% 19.95% Commercial 10.60% 19.95% Unsecured 13.60% 19.95%",
              "url": "https://www.humebank.com.au/business/business-visa-credit-card/#:~:text=Residential%2010.10%25%2019.95%25%20Commercial%2010.60%25%2019.95%25%20Unsecured%2013.60%25%2019.95%25",
              "document_sha256": "83cf7e218468caac2bc7bd6b4ecf1eadfb57beadbbfdbdcd5e0f71464919b827",
              "confirmed": "2026-11-12"
            }
          }
        },
        "verified": {
          "rate": "found"
        }
      },
      "from_issuer_page": [
        {
          "source": "correction",
          "fields": [
            "purchase_rate_pct",
            "cash_advance_rate_pct"
          ],
          "confirmed": "2026-11-12",
          "url": "https://www.humebank.com.au/business/business-visa-credit-card/#:~:text=Residential%2010.10%25%2019.95%25%20Commercial%2010.60%25%2019.95%25%20Unsecured%2013.60%25%2019.95%25",
          "quote": "Residential 10.10% 19.95% Commercial 10.60% 19.95% Unsecured 13.60% 19.95%"
        }
      ]
    }
  ],
  "rows": [
    {
      "brand": "Hume Bank",
      "brand_label": "Hume Bank",
      "brand_slug": "hume-bank",
      "legal_entity_abn": "85051868556",
      "product_id": "S32V1",
      "product_name": "Visa Clear",
      "product_label": "Visa Clear",
      "product_slug": "visa-clear",
      "page": "/au/finance/credit-cards/cards/hume-bank/visa-clear/",
      "product_url": "https://www.humebank.com.au/personal/credit-cards/hume-clear-visa",
      "terms_url": "https://www.humebank.com.au/tools-help/product-tcs/",
      "fees_url": "https://www.humebank.com.au/media/2023/04/Credit-Card-Fees-and-Charges1.pdf",
      "eligibility_url": "https://www.humebank.com.au/tools-help/product-tcs/",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "purchase_rate_pct": 14.95,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "cash_advance_rate_pct": 19.95,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 30.0,
      "fee_period": "annual",
      "fee_as_stated": 30.0,
      "annual_fee_stated": true,
      "annual_fee_note": "the feed's only periodic fee is labelled FEEVISAAN, read as the card's annual fee",
      "fee_name": "FEEVISAAN",
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": null,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": null,
      "cash_advance_fee": null,
      "late_payment_fee": null,
      "additional_cardholder_fee": null,
      "bt_promo_rate_pct": null,
      "bt_promo_months": null,
      "bt_fee_pct": null,
      "bt_revert_rate_pct": null,
      "bt_revert_to": null,
      "rewards_program": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "digital_wallets": [
        "Apple Pay",
        "Google Pay",
        "Garmin Pay"
      ],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": true,
      "min_credit_limit": 500.0,
      "max_credit_limit": 50000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2026-05-01; check its page, as the rate or fee may have changed",
        "credit limit $500 to $50,000",
        "$30 annual fee waived if the previous year's card spend exceeds $8,000",
        "2.85% foreign conversion fee on transactions in a currency other than Australian dollars",
        "$20 late payment fee"
      ],
      "ranked": true,
      "unranked_reason": null,
      "source_kind": "feed",
      "record_stale": true,
      "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/S32V1",
      "source_snapshot": "/au/finance/credit-cards/v1/source/hume-bank/S32V1.json",
      "snapshot_at": "2026-11-12T02:35:55Z",
      "bank_last_updated": "2026-05-01T11:47:56.000+10:00",
      "document_links_source": {
        "fees_url": "found by hand 2026-11-01: fees and charges",
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "key_facts_sheet_url": "https://www.humebank.com.au/media/2023/03/Key-Facts-About-This-Credit-Card-Personal.pdf",
      "from_issuer_page": null,
      "rate_pct": 14.95,
      "rankings": []
    },
    {
      "brand": "Hume Bank",
      "brand_label": "Hume Bank",
      "brand_slug": "hume-bank",
      "legal_entity_abn": "85051868556",
      "product_id": "S31V1",
      "product_name": "Visa Value",
      "product_label": "Visa Value",
      "product_slug": "visa-value",
      "page": "/au/finance/credit-cards/cards/hume-bank/visa-value/",
      "product_url": "https://www.humebank.com.au/personal/credit-cards/hume-value-visa",
      "terms_url": "https://www.humebank.com.au/tools-help/product-tcs/",
      "fees_url": "https://www.humebank.com.au/media/2023/04/Credit-Card-Fees-and-Charges1.pdf",
      "eligibility_url": "https://www.humebank.com.au/tools-help/product-tcs/",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "personal"
      ],
      "segment": "personal",
      "purchase_rate_pct": 11.95,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "cash_advance_rate_pct": 19.95,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": null,
      "fee_period": null,
      "fee_as_stated": null,
      "annual_fee_stated": false,
      "annual_fee_note": "the feed lists no annual or monthly card fee, so none is claimed",
      "fee_name": null,
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": null,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": null,
      "cash_advance_fee": null,
      "late_payment_fee": null,
      "additional_cardholder_fee": null,
      "bt_promo_rate_pct": null,
      "bt_promo_months": null,
      "bt_fee_pct": null,
      "bt_revert_rate_pct": null,
      "bt_revert_to": null,
      "rewards_program": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "digital_wallets": [
        "Apple Pay",
        "Google Pay",
        "Garmin Pay"
      ],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": true,
      "min_credit_limit": 500.0,
      "max_credit_limit": 20000.0,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "not updated by the bank since 2026-05-01; check its page, as the rate or fee may have changed",
        "credit limit $500 to $20,000",
        "2.85% foreign conversion fee on transactions in a currency other than Australian dollars",
        "$20 late payment fee",
        "no annual fee"
      ],
      "ranked": true,
      "unranked_reason": null,
      "source_kind": "feed",
      "record_stale": true,
      "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/S31V1",
      "source_snapshot": "/au/finance/credit-cards/v1/source/hume-bank/S31V1.json",
      "snapshot_at": "2026-11-12T02:35:55Z",
      "bank_last_updated": "2026-05-01T11:46:38.000+10:00",
      "document_links_source": {
        "fees_url": "found by hand 2026-11-01: fees and charges",
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "key_facts_sheet_url": "https://www.humebank.com.au/media/2023/03/Key-Facts-About-This-Credit-Card-Personal.pdf",
      "from_issuer_page": null,
      "rate_pct": 11.95,
      "rankings": [
        {
          "segment": "personal",
          "kind": "low_rate",
          "rank": 16,
          "of": 52,
          "hidden_by_default": null
        }
      ]
    },
    {
      "brand": "Hume Bank",
      "brand_label": "Hume Bank",
      "brand_slug": "hume-bank",
      "legal_entity_abn": "85051868556",
      "product_id": "S5V2",
      "product_name": "Business Visa",
      "product_label": "Business Visa",
      "product_slug": "business-visa",
      "page": "/au/finance/credit-cards/cards/hume-bank/business-visa/",
      "product_url": "https://www.humebank.com.au/business/business-visa-credit-card",
      "terms_url": "https://www.humebank.com.au/tools-help/product-tcs/",
      "fees_url": "https://www.humebank.com.au/media/2023/04/Business-Credit-Card-Fees-and-Charges_2.pdf",
      "eligibility_url": "https://www.humebank.com.au/tools-help/product-tcs/",
      "card_type": "credit",
      "scheme": "visa",
      "tier": null,
      "segments": [
        "business"
      ],
      "segment": "business",
      "purchase_rate_pct": 13.6,
      "purchase_rate_is_base": null,
      "no_interest_card": null,
      "purchase_rate_range_pct": null,
      "cash_advance_rate_pct": 19.95,
      "intro_purchase_rate_pct": null,
      "intro_purchase_months": null,
      "interest_free_days": 55,
      "annual_fee": 60.0,
      "fee_period": "annual",
      "fee_as_stated": 60.0,
      "annual_fee_stated": true,
      "annual_fee_note": null,
      "fee_name": "FEEVANN",
      "first_year_fee_waived": false,
      "fee_waived_for_group": null,
      "foreign_transaction_fee_pct": null,
      "foreign_transaction_fee": null,
      "cash_advance_fee_pct": null,
      "cash_advance_fee": null,
      "late_payment_fee": null,
      "additional_cardholder_fee": null,
      "bt_promo_rate_pct": null,
      "bt_promo_months": null,
      "bt_fee_pct": null,
      "bt_revert_rate_pct": null,
      "bt_revert_to": null,
      "rewards_program": null,
      "rewards_programs": [],
      "rewards_program_fee": null,
      "bonus_offer": null,
      "cashback_offer": null,
      "digital_wallets": [
        "Apple Pay",
        "Google Pay",
        "Garmin Pay"
      ],
      "instalment_plan": false,
      "additional_cards": null,
      "additional_cards_offered": true,
      "min_credit_limit": 5000.0,
      "max_credit_limit": null,
      "min_income": null,
      "min_age": 18,
      "restrictions": [],
      "who_can_open": {
        "restricted": false,
        "groups": [],
        "open_note": null
      },
      "conditions": [
        "corrected from the bank's own page: 13.60% on purchases unsecured (10.10% secured on a home, 10.60% on commercial property) and 19.95% on cash advances, per the bank's business card page; the feed gives no rate, so the unsecured rate is ranked",
        "credit limit from $5,000",
        "Business customers only",
        "$60 annual fee waived if the previous year's purchases exceed $24,000",
        "2.85% foreign conversion fee; $20 late payment fee",
        "purchase rate depends on security: 10.10% residentially secured, 10.60% commercially secured, 13.60% unsecured; 19.95% cash advances"
      ],
      "ranked": true,
      "unranked_reason": null,
      "source_kind": "feed",
      "record_stale": false,
      "source_url": "https://ibankob.humebank.com.au/OpenBanking/cds-au/v1/banking/products/S5V2",
      "source_snapshot": "/au/finance/credit-cards/v1/source/hume-bank/S5V2.json",
      "snapshot_at": "2026-11-12T02:35:55Z",
      "bank_last_updated": "2026-05-01T11:51:28.000+10:00",
      "document_links_source": {
        "fees_url": "found by hand 2026-11-01: fees and charges",
        "key_facts_sheet_url": "found by hand 2026-11-01: Key Facts Sheet"
      },
      "key_facts_sheet_url": "https://www.humebank.com.au/media/2023/04/Business-Credit-Card-Key-Facts.pdf",
      "correction": {
        "checked": "2026-11-01",
        "note": "13.60% on purchases unsecured (10.10% secured on a home, 10.60% on commercial property) and 19.95% on cash advances, per the bank's business card page; the feed gives no rate, so the unsecured rate is ranked",
        "fields": [
          "cash_advance_rate_pct",
          "purchase_rate_pct",
          "ranked",
          "unranked_reason"
        ],
        "quotes": {
          "rate": {
            "text": "Residential 10.10% 19.95% Commercial 10.60% 19.95% Unsecured 13.60% 19.95%",
            "url": "https://www.humebank.com.au/business/business-visa-credit-card/",
            "citation": {
              "quote": "Residential 10.10% 19.95% Commercial 10.60% 19.95% Unsecured 13.60% 19.95%",
              "url": "https://www.humebank.com.au/business/business-visa-credit-card/#:~:text=Residential%2010.10%25%2019.95%25%20Commercial%2010.60%25%2019.95%25%20Unsecured%2013.60%25%2019.95%25",
              "document_sha256": "83cf7e218468caac2bc7bd6b4ecf1eadfb57beadbbfdbdcd5e0f71464919b827",
              "confirmed": "2026-11-12"
            }
          }
        },
        "verified": {
          "rate": "found"
        }
      },
      "from_issuer_page": [
        {
          "source": "correction",
          "fields": [
            "purchase_rate_pct",
            "cash_advance_rate_pct"
          ],
          "confirmed": "2026-11-12",
          "url": "https://www.humebank.com.au/business/business-visa-credit-card/#:~:text=Residential%2010.10%25%2019.95%25%20Commercial%2010.60%25%2019.95%25%20Unsecured%2013.60%25%2019.95%25",
          "quote": "Residential 10.10% 19.95% Commercial 10.60% 19.95% Unsecured 13.60% 19.95%"
        }
      ],
      "rate_pct": 13.6,
      "rankings": [
        {
          "segment": "business",
          "kind": "low_rate",
          "rank": 8,
          "of": 13,
          "hidden_by_default": null
        }
      ]
    }
  ],
  "licence_shared_with": [
    "Geelong Bank"
  ]
}