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Suncorp Clear Options Credit Cards

Choose an option that’s right for you. Whether you’re looking to earn Rewards, Frequent Flyer points or simply need a low rate option.

Existing Rewards card customer?

Visit the Rewards Portal

Not sure which card to choose? Use our Credit Card Selector Tool to help you decide.

Take advantage of our lowest interest rate on purchases and our lowest annual fee – all in one great card.

12.74% p.a.

Standard Interest Rate

  • Annual fee
    $55
  • Credit limit
    $2000  - $20,000

Earn reward points plus a range of complimentary benefits.

20.50% p.a.

Standard Interest Rate

  • Annual fee
    $120
  • Credit limit
    $5000  - $25,000
  • Interest free period
    Up to 55 days interest free on retail purchases2

  • Rewards
    Earn 1 Reward point per dollar spent (up to $1,500 or half point per dollar thereafter)3

Maximise your reward earnings and enjoy premium benefits.

20.74% p.a.

Standard Interest Rate

  • Annual fee
    $129
  • Credit limit
    $6000  - $30,000
  • Interest free period
    Up to 55 days interest free on retail purchases2
    (not available if you take out a balance transfer)

  • Rewards
    Earn 1.25 Credit Card Reward Points per dollar spent.

    Upgrade to our Qantas Frequent Flyer option3

Balance transfer offers

Platinum Credit Card

0%# p.a for 14 months

(Reverts to cash advance rate. Note that no interest free days apply to retail purchases while you have a balance transfer.)

Need some help choosing? Compare our credit cards in more detail

Special offer!

Suncorp Clear Options Platinum Credit Card

Save with 0% interest for 14 months on Purchases4 and 0% p.a. for 14 months on Balance transfers#
reverts to cash advance rate thereafter, currently 21.99% p.a. Note that no interest free days apply to retail purchases while you have a balance transfer. Plus $49 annual fee for the first year5. Offer ends 30 September 2019.

Apply now

Receive these great benefits across all our credit cards

Security & fraud protection

With FRAUDSHIELD® and Visa Zero Liability

Visa payWave

‘wave and go’ for faster purchases under $100

Lost card replacement

Lost cards can be replaced within 24 hours in Australia

Samsung Pay can now be used with all Suncorp Clear Options credit cards

Just download the Samsung Pay app on your compatible Samsung device, add your Suncorp credit card details, and follow the prompts.

Samsung Pay uses multiple security methods and taps to make purchases just like your credit card – only now you'll never waste time searching through your wallet.

Find out more

Existing Customers

Manage your credit limit

Existing customers may be able to request a credit card limit increase or decrease by calling us on 13 11 55. Please note that an application to increase your credit limit is subject to our credit criteria, your existing accounts being in good order at the time of processing and provided that you have not successfully applied for a credit limit increase or accepted an additional credit product from us in the last nine months. A credit limit decrease can't be lower than your product minimum and should you wish to reinstate your previous credit limit after it is decreased, your application to increase your credit limit will be subject to our lending criteria at that time.

Card upgrade

Existing customers may be able to request a credit card upgrade by calling us on 13 11 55 (subject to eligibility).

Terms and conditions, fees and charges apply and are available on request. Existing Suncorp Bank Credit Cardholders are not eligible to apply for introductory offers. Introductory offers cannot be used in conjunction with any other credit card introductory offers unless otherwise specified. Offers may be extended or withdrawn at any time without notice.

2. The interest free period applies when you pay your full closing balance from your last statement of account by the payment due date (excluding any fixed payment option balance which isn’t due for payment by that payment due date). No interest free period is available on cash advances or balance transfers. Whilst you have a balance transfer you will be charged interest on your daily unpaid balance.

3. For full terms and conditions of the Rewards Programs, please refer to the Suncorp Clear Options Rewards Terms and Conditions.

4. 0% p.a. will apply to Retail Purchases (excludes Cash Advances) for 14 months from the date your account is approved. New Customers only. Minimum monthly repayments required. At the end of the promotional period, any outstanding Retail Purchase Balance and any new Retail Purchases will attract the variable annual Percentage Rate for Retail Purchases, currently 20.74% p.a. for a Suncorp Clear Options Platinum Credit Card. Interest rates are variable and subject to change. This offer cannot be used in conjunction with any other offer and is not available when closing/transferring from another Suncorp Credit Card. This offer is valid until 30 September 2019. Please note, if this promotion is combined with the 0% p.a. on balance transfers for 14 months promotion, the end dates for each promotion differ. The 0% purchase offer ends 14 months after account approval whilst the 0% balance transfer offer ends 14 months after the balance transfer was processed on your account. If there is a balance transfer ongoing at the end of 0% for 14 months purchases promotional period (i.e. 14 months after card approval), there will be no interest free days on retail purchases whilst there is a balance transfer ongoing.

5. For applications submitted by 30 September 2019, you will be billed an annual fee of $49 for the first year upon activation of your account. The standard annual fee, currently $129, will be billed each anniversary from card approval in subsequent years. These fees are subject to change.

#. Your total balance transfers may not exceed 80% of your credit limit. The 0% p.a. interest rate applies to balances transferred with this offer at point of application, for a period of 14 months from the date the balance transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the Annual Percentage Rate for Cash Advances, currently 21.99% p.a. for the Suncorp Clear Options Platinum card. Interest rates are variable and subject to change. The 0% p.a. balance transfer interest rate will not be valid for transfers from other Citigroup or Suncorp Bank Credit Cards. The interest rates are current as at 01/05/2018. For important information to consider before taking up a balance transfer, please see our Credit Card FAQs.

Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098, Australian Credit Licence No. 238098 (Citigroup) is the credit provider and issuer of Suncorp Clear Options Credit Cards. Suncorp-Metway Ltd ABN 66 010 831 722, Australian Credit Licence No. 229882 (Suncorp Bank) promotes and distributes Suncorp Clear Options Credit Cards on Citigroup’s behalf under an agreement with Citigroup. Suncorp Bank will not guarantee or otherwise support Citigroup’s obligations under the contracts or agreements connected with the Credit Cards (other than those relating to Suncorp Bank internet banking and telephone banking). Suncorp Bank has not assisted you to make this application and does not suggest you apply for any particular Suncorp Clear Options Credit Card type. Citigroup, not Suncorp Bank, will be assessing your application.