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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 Offers may be extended or withdrawn at any time without notice.

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. 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 variable Annual Percentage Rate for Cash Advances, currently 21.99% p.a. for the Suncorp Clear Standard 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.

3. 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 18 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. Interest free days on purchases do not apply while you have a balance transfer on your account. There is no BT fee applicable to this promotional offer.

4. You can earn 10% cashback on eligible retail purchases made by both the Primary or Additional Cardholders in the first 6 months from card approval, up to a total value of $150. Eligible Purchase means any Retail Purchase (as defined in the Suncorp Credit Card Terms & Conditions) which is made by the use of a Card or any other means permitted by Suncorp, excluding (but not limited to) transactions by way of Cash Advances, Balance Transfers, Special Promotions, fees, purchases of foreign currency and travellers cheques, foreign exchange and ATM / Bank charges, interest charges, finance charges, government charges, payments to the Australian Taxation Office, insurance charges, payments to loan accounts (mortgage etc), purchases in excess of limits on the Account, BPAY payments, and if the Account is more than $10,000 in credit only, all other transactions. Charge backs, refunds or fraudulent transactions are not eligible to receive cash back. 10% cashback will be credited to the relevant Cardholder’s account within 6-8 weeks of eligible purchases being made. Please note that if you have a balance transfer, you will be charged interest on any spend that you make. Offer is available to customers who submit their application by 31 January 2019. Post this advertised date, Suncorp reserves the right to continue, withdraw or change the offer at any time without notice. This offer is available on the Standard Credit Card Only.

5. Complimentary Insurance is arranged by Citigroup Pty Limited ABN 88 004 325 080 AFSL and Australian credit licence 238098 (Citi). This insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 trading as Allianz Global Assistance for the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz). Citi does not guarantee the insurance. Terms, conditions, limits and exclusions apply. Allianz and/or Allianz Global Assistance do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. Where any advice is provided by Citi or its representatives, it is provided on behalf of Citi and not on behalf of the insurer Allianz or its agent Allianz Global Assistance. Allianz and/or Allianz Global Assistance are not responsible for any such advice. Before making a decision please consider the Description of Insurance Cover. Ask us for more details before we provide you with any services on this product.

6. For full terms and conditions of the Rewards Programs, please refer to the relevant Suncorp Clear Options Rewards Terms and Conditions which are available at https://www.suncorp.com.au/banking/help-support/documents-forms.html

7. Bonus Reward Points can be earned on all Eligible Transactions, made in Australia and internationally for 6 months from account approval, up to a total of 60,000 bonus Reward Points. Bonus reward points will be credited to your Rewards Balance within 6-8 weeks of meeting the spend criteria. A maximum of 60,000 bonus Reward Points can be earned over the first 6 monthly statement cycles. If you do not meet the minimum spend for one monthly statement cycle, you forfeit the bonus Reward Points for that month, however you are still eligible for subsequent months 10,000 bonus Rewards Points if you meet the minimum spend within each monthly statement cycle within the promotional period. Bonus Reward Points are earned on Eligible Transactions made by both the Primary and Additional Account Holders. Please note that if you have a balance transfer, you will be charged interest on any spend that you make. For full terms and conditions of the Rewards Programs, please refer to the Suncorp Clear Options Rewards terms and conditions which are available at https://www.suncorp.com.au/banking/help-support/documents-forms.html. Certain transactions do not earn Reward Points. 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, which provides further information on government related transactions in addition to how an Eligible Transaction will be determined. Different Reward Point earn rates apply to cardholders who enrol in the Qantas Frequent Flyer Rewards Program. This offer is not available on the Qantas Frequent Flyer Rewards Program. Offer is available to customers who submit their application by 31 January 2019. Offer may be extended. This offer is available on the Platinum Credit Card Only.

8. Rewards Points earn rates differ depending on which rewards program you are enrolled in. Customers receive 0.5 Qantas Frequent Flyer points for every $1 spent (capped at $8,000 per statement period). Cash advances, balance transfers and certain other transactions set out under the definition of Eligible Transaction in the credit card Rewards Terms and Conditions do not earn Reward points. Terms and Conditions of Suncorp Bank Qantas Frequent Flyer Rewards Program apply. The Suncorp Clear Options primary cardholder must be a member of the Qantas Frequent Flyer program to earn Qantas Frequent Flyer points. A joining fee applies. Only Qantas Frequent Flyer points can be earned in Suncorp Bank Qantas Frequent Flyer Rewards Program and are subject to the terms and conditions of the Qantas Frequent Flyer Rewards Program

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 Card 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.