National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) is the credit provider and issuer of Suncorp Clear Options Credit Cards. Suncorp-Metway Ltd (ABN 66 010 831 722, AFSL and Australian Credit Licence 229882) (“Suncorp Bank”) promotes and distributes Suncorp Clear Options Credit Cards on NAB's behalf under an agreement with NAB. NAB has acquired the business relating to this credit from Citigroup Pty Ltd (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”) and has appointed Citi to assist to administer the Credit Cards. Our/us/we means NAB unless the context otherwise requires it. Suncorp Bank will not guarantee or otherwise support NAB's obligations under the contracts or agreements connected with the Credit Cards (other than those relating to Suncorp Internet Banking and Suncorp Telephone Banking).

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 credit card offers are not available in conjunction with a Home Package Plus package or any other offer. Should you choose to take up an introductory offer an Annual Card fee will apply.

To obtain a copy of the respective Target Market Determination (TMD) document related to Suncorp Clear Options Credit Cards, please visit the forms and documents page.

1. To earn 120,000 bonus Suncorp Credit Card Rewards Points, you must apply for a Suncorp Clear Options Platinum Credit Card by 29 February 2024, then make eligible spends of $3,000 or more within 90 days from approval. Please note, purchases must be processed and charged to your account within the spend period. Eligible spend means any purchase excluding (but not limited to) Cash Advance, Balance Transfers, Special Promotions, refunds and chargebacks, purchases of foreign currency and traveller cheques, transactions made in operating a business, payments to other Suncorp Bank accounts, bank fees and charges, such as interest and ATM charges and transactions made using points. The bonus Suncorp Credit Card Rewards Points will be credited to your Rewards Balance within 6-8 weeks from meeting the spend hurdle providing your Account is open and in good standing (for example your account is not in default, suspended or closed). All rewards are subject to the Terms and Conditions of the Suncorp Credit Card Rewards Program. This offer is valid until 29 February 2024. Post this advertised date, we reserve the right to continue, withdraw or change the offer at any time without notice. Please note that this promotion is not available if you opt into the Suncorp Qantas Frequent Flyer program, or choose a Home Package Plus package.

Under this offer of 120,000 bonus Suncorp Credit Card Reward Points, an annual fee of $99 will be charged for the first year upon activation of your account. The standard annual fee, currently $129, will be charged on each anniversary of card approval in subsequent years. This offer is valid until 29 February 2024.

This offer is not available when closing or transferring from another Suncorp branded credit card account or in conjunction with any other Suncorp branded credit card offer.

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 for a period of 9 months. The 9 months promotional period commences when the Balance Transfer is processed, and you must make the Balance Transfer request within 90 days from approval to receive this offer. At the end of the Balance Transfer period, the interest rate on any outstanding transferred balance will revert to the applicable Annual Percentage Rate for Cash Advances, currently 21.99% p.a. Please note, you are not entitled to any interest free days on retail purchases whilst you have a Balance Transfer. This means that all spend will be charged interest at the applicable Annual Percentage Rate. For important information to consider before taking up a balance transfer, please refer to our balance transfer FAQs. This offer is valid until 29 February 2024. Post this advertised date, NAB reserves the right to continue, withdraw or change the offer at any time without notice.

2. To earn 40,000 bonus Qantas Points, you must apply for a Suncorp Clear Options Platinum Credit Card by 29 February 2024, enrol to earn Qantas Points with the Suncorp Clear Options Platinum Credit Card which has a $49 p.a. fee, then make eligible spends of $4,500 or more within 90 days from approval. Please note, purchases must be processed and charged to your account within the spend period. Eligible spend means any purchase excluding (but not limited to) Cash Advance, Balance Transfers, Special Promotions, refunds and chargebacks, purchases of foreign currency and traveller cheques, transactions made in operating a business, payments to other Suncorp Bank accounts, bank fees and charges, such as interest and ATM charges and transactions made using points. The bonus Qantas Points will be credited to your Qantas Frequent Flyer account within 8 weeks of meeting the spend criteria. Your Account must remain open, in good standing (for example your account is not in default, suspended or closed) and be enrolled to earn Qantas Points with the Suncorp Clear Options Platinum Credit Card at a cost of A$49 per year. All rewards are subject to the terms and conditions of the Suncorp Credit Card Rewards Program terms and conditions. You must be a Qantas Frequent Flyer member and have advised us of your Qantas Frequent Flyer number to earn Qantas Points with the Suncorp Clear Options Platinum Credit Card. Membership and points are subject to the Terms and Conditions of the Qantas Frequent Flyer program. Any eligible spend will not contribute to this bonus points offer until a Qantas Frequent Flyer number is provided. This offer is valid until 29 February 2024. Post this advertised date, we reserve the right to continue, withdraw or change the offer at any time without notice. It is not available in conjunction with Suncorp Credit Card Rewards offers or a Home Package Plus package. 

Under this offer of 40,000 bonus Qantas points, an Annual Credit Card fee of $129 applies. Additionally, this promotion is only available if you enrol to earn Qantas Points at a cost of $49 p.a. 

Your total Balance Transfers may not exceed 80% of your Credit Limit. A 0% p.a. interest rate applies to balances transferred with this offer for a period of 12 months. The 12 months promotional period commences when the Balance Transfer is processed, and you must make the Balance Transfer request within 90 days from approval to receive this offer. At the end of the Balance Transfer period, the interest rate on any outstanding transferred balance will revert to the applicable Annual Percentage Rate for Cash Advances, currently 21.99% p.a. Please note, you are not entitled to any interest free days on retail purchases whilst you have a Balance Transfer. This means that all spend will be charged interest at the applicable Annual Percentage Rate. For important information to consider before taking up a balance transfer, please refer to our balance transfer FAQs. This offer is valid until 29 February 2024. Post this advertised date, NAB reserves the right to continue, withdraw or change the offer at any time without notice.

3. Suncorp Clear Options Standard Credit Card introductory offer of 0% p.a. for 6 months on purchases and balance transfers applies.

Purchases: The promotional rate of 0% p.a. will apply to the retail purchase balance for a promotional period of 6 months, commencing from the date your account is approved. At the end of the promotional period, the variable annual percentage rate for retail purchases, currently 12.74% p.a. will apply to the retail purchase balance. This means that all spend will be charged interest at the applicable annual percentage rate.

Balance transfers: 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 for a period of 6 months. The 6 months promotional period commences when the Balance Transfer is processed, and you must make the Balance Transfer request within 90 days from approval to receive this offer. At the end of the Balance Transfer period, the interest rate on any outstanding transferred balance will revert to the applicable Annual Percentage Rate for Cash Advances, currently 21.99% p.a. For important information to consider before taking up a balance transfer, please refer to our balance transfer FAQs. This offer is valid until 29 February 2024. Post this advertised date, NAB reserves the right to continue, withdraw or change the offer at any time without notice. 

Under this offer of 0% p.a. for 6 months on purchases and balance transfers, an annual fee of $0 will be charged for the first year upon activation of your account. The standard annual fee, currently $55, will be charged on each anniversary of card approval in subsequent years.

This offer is not available when closing or transferring from another Suncorp branded credit card account or in conjunction with any other Suncorp branded credit card offer.

4. All rewards are subject to the Terms and Conditions of the Suncorp Credit Card Rewards Program. An Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, payments to other Suncorp Bank accounts, bank fees and charges such as interest and ATM charges, transactions made using Points and government related transactions. Please refer to the full definition of Eligible Transaction which is set out on page 3 of the Rewards Program terms and conditions for further information on government related transactions in addition to how an Eligible Transaction will be determined. The Suncorp Clear Options Platinum Credit Card primary cardholder must be a Qantas Frequent Flyer member to earn Qantas Points. Membership and points are subject to the Terms and Conditions of the Qantas Frequent Flyer program. Please note a joining fee of A$49 p.a. applies to enrol into the Suncorp Credit Card Qantas Frequent Flyer program.

5. Complimentary insurance covers: Terms, limitations, conditions and exclusions apply. Refer to our Complimentary Insurance T&Cs on our forms and documents for further assistance. AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in our Complimentary Insurance T&Cs on our forms and documents page which may be amended from time to time. Neither NAB nor Citi nor any of its related corporations guarantee this insurance.

6. Value current as of 1 March 2023. eVoucher Rewards are subject to the Terms and Conditions noted on the eVoucher Reward and the named supplier's terms and conditions. For more information visit https://www.suncorpbankrewards.com.au/

7. Visa Entertainment Offers supplied by Visa. Visit www.visaentertainment.com.au for details.

8. The Annual Percentage Rate for cash advances for the Suncorp Clear Options Platinum Credit Card, Suncorp Clear Options Gold Credit Card and Suncorp Clear Options Standard Credit Card is currently 21.99% p.a. The Annual Percentage Rate for purchases on the Suncorp Clear Options Platinum Credit Card is currently 20.74% p.a. The Annual Percentage Rate for purchases on the Suncorp Clear Options Gold Credit Card is 20.50% p.a. The Annual Percentage Rate for purchases on the Suncorp Clear Options Standard Credit Card is 12.74% p.a. Interest rates are variable and subject to change. Interest rates current as at 1 July 2023.

9. 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.

10. We charge you an international transaction fee of 3.4%, of which a 1% service and assessment fee is payable by us to Visa, for any retail purchase or cash advance transaction in; foreign currency, once converted to Australian dollars; and/or Australian dollars (or any other currency), when either the merchant or its financial institution/payment processor is located overseas. Note: It may not always be clear that the merchant or its financial institution/payment processor is located outside Australia.

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