Suncorp offers a range of credit cards to its customers, including low rate, low fee, rewards, and balance transfer cards. The specific features and benefits of each card vary, so it’s important to compare the options and choose the one that best meets your needs and financial situation.

Some of the benefits of Suncorp credit cards may include low interest rates, no annual fees, rewards programs, and the ability to earn points on everyday purchases.

As a leading provider of insurance, banking, superannuation and investments, Suncorp can draw on a vast amount of experience to bring you the financial products and services to suit you.

As a leading provider of insurance, banking, superannuation and investments, Suncorp can draw on a vast amount of experience to bring you the financial products and services to suit you. With some great options on credit cards, Suncorp provides introductory offers, low rates and a range of features and benefits.

Gold Incentives & Platinum Perks

As we know, Suncorp’s rewards cards are available in gleaming gold and pretty platinum. What does that mean? Gold and platinum benefits, of course.

Credit cards have long featured a tiered system. This allows card providers to offer tiered benefits to cardholders – and to charge accordingly. Gold cards tend to offer more features than standard cards, and will usually charge more in annual fees. Platinum cards offer even more features than gold cards, and tend to charge higher annual fees again.

It’s also worth noting annual income requirements here. Gold and platinum cards often have higher minimum income requirements and maximum credit limits, making them somewhat of a status symbol. In Suncorp’s case though, income requirements are actually pretty low. For the standard card, the minimal annual income requirement is $25,000, for the gold card it’s $30,000, and for the platinum card it’s $35,000.

Aside from status, gold and platinum cards are all about those features and extras. By paying more for your card, you can expect more in return. So, what does Suncorp have to offer in the way of features?

The Gold Card

Putting its rewards program to the side, the Suncorp Gold Card offers a few nifty features. As a cardholder, you can benefit from purchase cover and guaranteed pricing. You can also enjoy free membership to Suncorp Bank Rewards Program, and up to 55 days interest free on purchases.

The Platinum Card

Again, the rewards program is the drawcard on this one. It allows cardholders to earn at a higher rate, but it also offers an opt-in to Suncorp Qantas Frequent Flyer for $49 per year. With this, cardholders can earn Qantas points at a rate of 0.5 points per $1 spent.

Aside from that though, there are some nice platinum perks on offer. First there are the complimentary insurances. These include international travel insurance, transit accident insurance, guaranteed pricing, extended warranty and purchase cover. Cardholders can also benefit from a personal concierge service, and special offers and exclusive discounts on entertainment, sport and travel.

Big Business

Suncorp knows credit card spending isn’t always personal. Credit cards can also come in handy with business spending. Which is where the Suncorp Clear Options Business Credit Card comes in. Helping to ease business cashflow, this business card could be a great asset to a business.

With a low annual fee, this card allows business users to track their spending, while also benefitting from up to 55 days interest free on purchases. There is also an optional rewards program that allows cardholders to choose their membership level.

Looking to add more cardholders to the account? You can issue additional cards to employees, each with a set monthly limit. Each cardholder then receives an individual statement, helping to keep track of company spending and expenses.

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

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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 credit card offers are not available in conjunction with a Home Package Plus package. Should you choose to take up an introductory offer an Annual Card fee will apply.

To obtain a copy of the respective Target Market Determination (TMD) document related to Suncorp Clear Options Credit Cards, please visit the forms and documents page.

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. 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 a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). NAB is the credit provider and issuer of Suncorp credit cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian credit licence 238098) (“Citi”). Citi has agreed with NAB to provide transitional services in relation to the transferred business. 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. Neither NAB nor Citi nor any of its related corporations guarantee this insurance.

3. All Rewards are subject to the Terms and Conditions of the Suncorp Credit Card 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 Transaction 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.

4. 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 Transaction 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.

5. Your total Balance Transfers may not exceed 80% of your credit limit. The 0% p.a. interest rate applies to balances transferred for the advertised promotional period. The promotional period commences once 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. Interest rates are variable and subject to change. Please note, you are not entitled to any interest free days on retail purchases whilst you have a Balance Transfer. This means that all spend will be charged interest at the applicable Annual Percentage Rate. If we approve your credit card application, the Balance Transfer offer will be available for up to 90 days from the date your application is approved. For important information to consider before taking up a Balance Transfer, please refer to our balance transfer FAQs. This offer is valid until 30 November 2024. Post this advertised date, NAB reserves the right to continue, withdraw or change the offer at any time without notice.

6. To earn 100,000 bonus Suncorp Credit Card Rewards Points, you must apply for a Suncorp Clear Options Platinum Credit Card by 30 November 2024, then spend $3,000 or more on Eligible Transactions within 90 days from approval. 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 Transaction 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. The bonus Suncorp Credit Card Rewards Points will be credited to your Rewards Balance within 6-8 weeks from meeting the spend hurdle providing your Account is open and in good standing. All rewards are subject to the Terms and Conditions of the Suncorp Credit Card Rewards Program terms and conditions. This offer is valid until 30 November 2024. Post this advertised date, we reserve the right to continue, withdraw or change the offer at any time without notice. Please note that this promotion is not available if you opt into the Suncorp Qantas Frequent Flyer program.

7. An annual fee of $64 will be charged for the first year upon activation of your account. The standard annual fee, currently $129, will be charged on each anniversary of card approval in subsequent years. This offer is valid until 30 November 2024.

8. The promotional rate of 0% p.a. will apply to Retail Purchases (excludes Cash Advances) for 12 months from the date your Account is approved, and you will need to pay the Minimum Payment Due each month. At the end of the promotional period, any outstanding Retail Purchase Balance and any new Retail Purchases will attract the applicable Annual Percentage Rate for Retail Purchases, currently 12.74% p.a. for a Suncorp Standard Clear Options Credit Card. Interest rates are variable and subject to change. 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 for a period of 12 months. The 12 months promotional period commences when the Balance Transfer is processed, and you must make the Balance Transfer request within 90 days from approval to receive this offer. At the end of the Balance Transfer period, the interest rate on any outstanding transferred balance will revert to the applicable Annual Percentage Rate for Cash Advances, currently 21.99% p.a. If you make a Retail Purchase before your balance transfer is processed, payments made during the promotional period will be applied to the Retail Purchase balance before the Balance Transfer. This offer is valid until 30 November 2024. For important information to consider before taking up a balance transfer, please refer to our balance transfer FAQs.

National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) is the credit provider and issuer of Suncorp Clear Options Credit Cards. Suncorp-Metway Ltd ABN 66 010 831 722 (“Suncorp Bank”) promotes and distributes Suncorp Clear Options Credit Cards on NAB’s behalf under an agreement with NAB. NAB has acquired the business relating to this credit from Citigroup Pty Ltd (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”) and has appointed Citi to assist to administer the Credit Cards. Suncorp Bank will not guarantee or otherwise support NAB’s obligations under the contracts or agreements connected with the Credit Cards (other than those relating to Suncorp Internet Banking and Suncorp Telephone Banking).