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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 Offers may be extended or withdrawn at any time without notice.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 maximum 55 days interest free period applies when you pay your balance off in full (including any balance transfer amounts) for two consecutive months. If you carry a balance on your credit card from month to month, the 55 days interest free period does not apply and you are charged interest from the purchase date. No interest free period is available on cash advances or balance transfers.

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 12 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 $100 cashback when you spend a minimum of $3,000 on eligible purchases, both in Australia or internationally, on your credit card within 6 months from card approval. To qualify for the cash back, the eligible purchases can be made by both the primary and additional card holders. Eligible purchase means any Retail Purchase 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. Cash back will be credited to the approved accounts within 10 weeks after the qualifying purchases have been made. Offer is available to customers who submit their application by 31 October 2018. Offer may be extended. This offer is available on the Standard Credit Card Only.

5. Complimentary Insurance is issued and managed by AGA Assistance Australia Pty Limited (trading as Allianz Global Assistance) (AFSL No.245631 ABN 52 097 227 177), 74 High Street, Toowong QLD 4066 on behalf of the insurer Allianz Australia Insurance Limited (AFSL No. 234708 ABN 15 000 122 850), 2 Market Street, Sydney NSW 2000, and is subject to terms, conditions, and exclusions, some limits and excess may apply. The Terms and Conditions are available at https://www.suncorp.com.au/banking/help-support/documents-forms.html

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.