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Compare Credit Cards

See our Suncorp Clear Options Credit Cards side by side to help you find the right one for you.

Suncorp Clear Options Credit Card Comparison

Purchase Rate

12.74% p.a

Purchase Rate

20.50% p.a

Purchase Rate

20.74% p.a

Cash Advance Rate

21.99% p.a

Cash Advance Rate

21.99% p.a

Cash Advance Rate

21.99% p.a

Interest-free period

Interest-free period

up to 55 days1

Interest-free period

up to 55 days1

Card borrowing limits

Minimum $2,000

Maximum $20,000

Card borrowing limits

Minimum $5,000

Maximum $25,000

Card borrowing limits

Minimum $6,000

Maximum $30,000

Minimum required income

$25,000/year

Minimum required income

$30,000/year

Minimum required income

$35,000/year

Balance transfer offer

Balance transfer offer

Balance transfer offer

0% p.a for 14 months2

Annual Card Fee

$55

Annual Card Fee

$120

Annual Card Fee

$129

Purchase Cover

Purchase Cover

up to $125,0003

The total maximum payable under this benefit in any 12 month period is $125,000. The maximum payable per individual claim is the lesser of the value of the personal item or $3,000. Terms, conditions, limits and exclusions apply refer to the Description of Insurance Cover.

Purchase Cover

up to $200,0003

The total maximum payable under this benefit in any 12 month period is $200,000. The maximum payable per individual claim is the lesser of the value of the personal item or $5,000. Terms, conditions, limits and exclusions apply refer to the Description of Insurance Cover.

Suncorp Credit Card Reward Points

Suncorp Credit Card Reward Points

1 point per $1 spent on Eligible Transactions, up to $1,500/month. 0.5 per $1 thereafter4

Suncorp Credit Card Reward Points

1.25 points per $1 spent on Eligible Transactions4

Qantas Frequent Flyer Points

Qantas Frequent Flyer Points

Qantas Frequent Flyer Points

0.5 Qantas Frequent Flyer Points for every $1 spent on Eligible Transactions, capped at $8,000 per Statement Period. An additional $49 annual fee applies.5

Cashback Rewards

Cashback Rewards

Cashback Rewards

Complimentary Extras

Complimentary Extras

Travel Centre

The Travel Centre lets you book flights and hotels, rent cars and access a range of holiday packages.

Complimentary Extras

Personal Concierge
• Free, personalised rewards
• International Travel Insurance
• Access to Suncorp's Travel Centre

Standard Credit Card

Apply Online

Gold Credit Card

Apply Online

Platinum Credit Card

Apply Online

All of our Credit Cards come with:

  • The backing of Visa, meaning you can pay anywhere in the world, use Visa Paypass, and enjoy Visa entertainment offer
  • 24 hour customer service
  • Emergency card replacement

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. 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 Suncorp Bank Credit Cards. The interest rates are current as at 01/04/2020. 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. For important information to consider before taking up a balance transfer, please see our Credit Card FAQs.

3. Complimentary insurance covers: Terms, limitations, conditions and exclusions apply. Refer to the Complimentary Insurance Description of Insurance Cover for further insurance. 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 an insurance group policy to Citigroup Pty Limited ABN 88 004 325 080 AFSL and Australian credit licence 238098 (Citigroup) which allows eligible Citigroup account holders and cardholders to claim under it as third party beneficiaries. 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 the Description of Insurance Cover Terms and Conditions which may be amended from time to time. Citigroup does not guarantee this insurance.

4. 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.

5. 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). 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 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, which provides further information on government related transactions in addition to how an Eligible Transaction will be determined. 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. You can only be enrolled in one 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.

Whats this?*

Get 5% back on all retail purchases for the first 3 months

Travel Centre

The Travel Centre lets you book flights and hotels, rent cars and access a range of holiday packages.

Got a Question?

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