Banking Credit Cards Frequently Asked Questions
You’ll need to contact your service provider directly to establish a direct debit with them. For example, if you want your gym to automatically direct debit your payments from your card, the gym can set this up for you.
If you would like to set up a direct debit to make your credit card repayments automatically, please complete the Suncorp Clear Options - Personal Card AutoPay/Direct Debit Authority form and return to your nearest Suncorp Bank store or by post.
If your credit card application is approved, you’ll receive your new card within 5-7 business days.
You’ll need your:
- Personal details – e.g. name, DOB
- Contact details – e.g. residential address, phone, email
- Financial details – e.g. details of income and expenses
- Employment details – e.g. employer name, length of employment
- Personal identification – e.g. Driver’s licence number (if you have one)
- Details of issuing institution and amounts for balance transfers
The online credit card application should take you less than 10 minutes to complete and processing the application should take 5-7 business days.
Your personal identification number (PIN) is a fraud and security measure for over-the-counter purchases, ATM and branch usage.
To easily set up or change your credit card PIN, register or log into Suncorp Internet Banking and go to My Accounts > My Bank Accounts > Go to Credit Card Services (beneath your credit card number) > Card Services > Change Card PIN.
If you know your existing credit card PIN, you can also change it at any Suncorp ATM.
You are able to request a decrease on your credit limit through:
- Internet Banking or
- contacting us on 13 11 55.
To request a credit limit decrease through Internet Banking simply log in, Go to Credit Card Services>Card Services>Credit Limit Decrease and follow the prompts. If you have not used Internet Banking before, you will need to register first. It is important to note that your credit limit 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.
The credit card validation (CCV) number is a 3-digit number printed on the signature panel on the back of your card.
It’s an extra security measure to ensure you have access to, or physical possession of, your card.
From 28 April 2018, card services will no longer support outdated browsers or operating systems.
To protect your data to the highest standard, please ensure your browser and operating systems are up to date. If you don’t update your browser and operating system, you’ll no longer have access to Card Services.
Please read for further information on minimum system requirements.
You are able to request to close your credit card account by:
- Internet Banking or
- contacting us on 13 11 55.
To request your credit card account to be closed through Internet Banking, simply log in, Go to Credit Card Services>Card Services>Account Closure Request and follow the prompts. If you have not used Internet Banking before, you will need to register first.
You can use any ATM where Visa is accepted. You can save on third party ATM operator fees by using our extensive Suncorp Bank and rediATMs, which won’t charge you any ATM fee. However, you will still be charged cash advance fees.
You can also take advantage of accessing the ‘big 4’ bank ATMs fee-free as well.
To find your nearest ATM, please visit our ATMs page.
Interest is calculated by multiplying the applicable daily percentage rate by the daily unpaid balance of its balance type (including related fees and interest) for each day of that statement period, and then adding those amounts together.
Most reward credit cards do not have a cap on the number of reward points you can earn on your Suncorp Clear Options.
For Suncorp Clear Options Business cards, rewards are capped at 80,000 per 12-month period per Business cardholder.
For Suncorp Clear Options Platinum cardholders enrolled in the Qantas Frequent Flyer program, you can only earn rewards points on eligible transactions up to $8,000 per statement period.
You can make payments to your credit card through:
- Suncorp Bank Internet Banking
- Suncorp Bank Telephone Banking
- BPAY®, using the biller code 999532 and your credit card number as the reference number
- Pay in person at a Suncorp Bank store
- Direct debit
Further details of repayment options are included on your monthly credit card statement.
A balance transfer is when you transfer the balance of your credit or store card account from another financial institution (excluding Citigroup and other Suncorp credit card/s) to your Suncorp Clear Options Credit Card.
You can choose to transfer a full or partial amount of your credit or store card balance to your Suncorp Clear Options credit card account, up to 80% of your approved credit card limit.
It’s when you first use the card, and this includes card activation. From there, it’s charged on each anniversary of the date on which your card was first issued to you.
To find out when your card was issued, and when you’re charged the annual fee, please log in to Internet Banking and go to ‘Card Services’ to obtain a copy of your first statement.
To avoid credit card fees you can:
- Schedule credit card automatic repayment/direct debits to avoid late payment fees. To set up automatic repayment reminders, please complete the Suncorp Clear Options - Personal Card AutoPay/Direct Debit Authority form and return to your nearest Suncorp Bank store in person or by post.
You’ll receive a credit card overlimit fee when the outstanding balance of your credit card exceeds your approved credit limit. This fee only applies to accounts activated prior to 1 July 2012.
You'll be charged an overlimit fee each statement period when your credit limit is exceeded.
The fee will be charged to your account in the following statement period.
Visit our credit card fees terms and conditions for more information.
Yes, but you can only upload credit card related forms.
The Document Upload function is available for all Suncorp Credit Card account holders.
Valid file types are PDF, DOC, JPEG (or JPG) and PNG.
Yes, each file uploaded cannot exceed the maximum size of 6MB.
The wait time varies depending on the type of request you make, but generally it will be completed within 2-4 business days.
If you’ve made your request through Card Services, then yes, you can check the status at any time.
There are a number of documents accepted through Document Upload – please view the full answer for a complete list.