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Suncorp Clear Options Credit Cards

INTRODUCTORY OFFER!

Suncorp Clear Options Platinum Credit Card

Receive 100,000 bonus Suncorp Credit Card Rewards Points when you spend $3,000 on Eligible Transactions in the first 90 days from approval.3 That’s the equivalent of getting $400 credit back for almost anything you buy!4

Apply now

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

Black Platinum Suncorp Visa credit card

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

low rate low rate low rate low rate

Front of Suncorp standard credit card

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

12.74% p.a.

Purchase Rate

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

Front of Suncorp gold credit card

Earn reward points plus a range of complimentary benefits.

20.50% p.a.

Purchase Rate

  • Annual fee
    $120
  • Credit limit
    $5000  - $25,000
  • Interest free period
    Up to 55 days interest free on retail purchases1

  • Rewards
    Earn 1 Suncorp Credit Card Rewards Point per dollar spent on Eligible Transactions (up to $1,500 per Statement Period and 0.5 Points per dollar thereafter).2

rewards rewards rewards rewards

Front of Suncorp platinum credit card

Maximise your reward earnings and enjoy premium benefits.

20.74% p.a.

Purchase Rate

  • Introductory Offer
    Receive 100,000 bonus Suncorp Credit Card Rewards Points when you spend $3,000 on Eligible Transactions in the first 90 days from approval.3 That’s the equivalent of getting $400 credit back for almost anything you buy!4
    Plus half annual fee in the first year
    Plus 0% p.a. for 14 months on balance transfers5 . Reverts to cash advance rate. No interest free days are available on retail purchases while you have a balance transfer.
    Please note, introductory credit card offers are not available in conjunction with a Home Package Plus package. Should you choose to take up an introductory offer an Annual Card fee will apply.
  • Annual fee (Introductory offer)
    Discounted fee of $64 in the first year, $129 thereafter6

  • Annual fee (No introductory offer)
    $129

  • Credit limit
    $6000  - $30,000
  • Interest free period
    Up to 55 days interest free on retail purchases.1

  • Rewards
    Earn 1.25 Suncorp Credit Card Rewards Points per dollar spent on Eligible Transactions

    Choose our Qantas Frequent Flyer option for an additional annual fee of $49 and earn 0.5 Points per dollar spent on Eligible Transactions up to $8,000 per Statement Period.2

 

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

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

Apple Pay. Helping you pay on the go.

Suncorp is making it easy to pay using your iPhone or Apple Watch, with Apple Pay now available.

You can now add your debit card or Suncorp Clear Options Credit Card.

Find out more

Suncorp and apple pay logos

Existing Customers

EXISTING CUSTOMERS

Already a Rewards card customer?

Visit the Rewards Portal

Useful forms

Card Upgrade

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

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.

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.

1. 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.

2. All rewards are subject to the Terms and Conditions of the Suncorp Bank 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 Transactions 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. [Suncorp Credit Card Qantas Frequent Flyer]: The Suncorp Clear Options Platinum Credit Card primary cardholder must be a member of the Qantas Frequent Flyer Program to earn Qantas Frequent Flyer points. A joining fee applies. Membership is subject to Qantas Frequent Flyer Program terms and conditions. Only Qantas Frequent Flyer points can be earned in Suncorp Credit Card Qantas Frequent Flyer program and are subject to the terms and conditions of the Qantas Frequent Flyer Program.

3. To earn 100,000 bonus Suncorp Credit Card Rewards Points, you must apply for a Suncorp Clear Options Platinum Credit Card by 4 October 2021, then spend $3,000 or more on Eligible Transactions within 90 days from approval. An Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, 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, transactions made using Points and government related transactions. Please refer to the full definition of Eligible Transactions 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 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. All rewards are subject to the Terms and Conditions of the Suncorp Credit Card Rewards Program terms and conditions. Please note that if you have a transferred balance, you will be charged interest on any spend that you make. This offer is valid until 4 October 2021. Post this advertised date, we reserve the right to continue, withdraw or change the offer at any time without notice. Please note, introductory credit card offers are not available in conjunction with a Home Package Plus package. Should you choose to take up an introductory offer an Annual Card fee will apply.

4. This feature is known as Select and Credit. Select and Credit is available on eligible purchases. An eligible purchase means an Eligible Transaction that you use Select and Credit on within 60 days of the Transaction Date. Eligible Transaction is defined in the Suncorp Credit Card Rewards Program Terms and Conditions and means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, government related transactions and all other transactions set out within the full definition.  For more information on Select and Credit and Suncorp Credit Card Rewards and redeeming points, go to the Suncorp Bank Rewards website.

5. 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 the advertised promotional period. The promotional period commences once 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 variable Annual Percentage Rate for Cash Advances, currently 21.99% p.a. Interest rates are variable and subject to change. 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. If we approve your credit card application, the Balance Transfer offer will be available for up to 90 days from the date your application is approved. For important information to consider before taking up a Balance Transfer, please refer to our balance transfer FAQs. This offer is valid until 4 October 2021. Post this advertised date, Citi reserves the right to continue, withdraw or change the offer at any time without notice.

6. Subject to your application approval, you will be billed $64 in the first year. This will revert to the full annual fee, currently $129 in subsequent years whilst the account remains open. This offer is valid until 4 October 2021. 

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.