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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

Interest Rate

12.74% p.a

Interest Rate

20.50% p.a

Interest 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

0% p.a for 12 months2

Balance transfer offer

Balance transfer offer

0% p.a for 18 months3

Annual Card Fee

$55

Annual Card Fee

$120

Annual Card Fee

$169

Purchase Cover

Purchase Cover

up to $125,0005

Purchase Cover

up to $200,0005

Suncorp Reward Points

Suncorp Reward Points

1 points per $1 spent, up to $1,500/month. 0.5 per $1 thereafter6

Suncorp Reward Points

1.25 points per $1 spent6

Qantas Frequent Flyer Points

Qantas Frequent Flyer Points

Qantas Frequent Flyer Points

0.5 Qantas Frequent Flyer points for every $1 spent (optional extra, fees apply)

Cash Back Rewards

$100 cashback when you spend $3,000 in the first 6 months4

Cash Back Rewards

Cash Back Rewards

Get 5% back on all retail purchases for the first 3 months7

Complimentary Extras

Complimentary Extras

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. Offers end 31/7/2017, offers may be extended.

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 01/07/2016.

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 July 2017. 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. 5% cashback can be earned on all eligible purchases, made in Australia and internationally for 3 months from account approval, up to a total of $250 cashback (total $5000 spend). 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 eligible purchases have been made. Offer is available to customers who submit their application by 31 July 2017. Offer may be extended. This offer is available on the Platinum Credit Card Only.

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.