Suncorp credit cards

With competitive interest rates, complimentary insurance and rewards, there's a lot worth comparing Suncorp credit cards for.

By   |   Verified by David Boyd   |   Updated 27th August 2020

Comparing Suncorp credit cards

Suncorp Clear Options Gold Credit Card

Suncorp Clear Options Gold Credit Card

Balance transfer

N/A

Purchase rate

20.5% p.a. ongoing

Annual fee

$120.00 for 1st year

Highlights

  • No added annual fee for additional cardholders.
  • Interest free days for up to 55 days.
  • Complimentary purchase cover on personal purchases and guaranteed pricing scheme.
Suncorp Clear Options Standard Credit Card

Suncorp Clear Options Standard Credit Card

Balance transfer

N/A

Purchase rate

12.74% p.a. ongoing

Annual fee

$55.00 for 1st year

Highlights

  • The 12.75% p.a. ongoing interest rate charged on purchases is cheap.
  • Low $55 p.a. annual fee.
  • Add up to 4 additional cardholders for no extra cost.
Suncorp Clear Options Business Credit Card

Suncorp Clear Options Business Credit Card

Balance transfer

N/A

Purchase rate

18.45% p.a. ongoing

Annual fee

$45.00 for 1st year

Highlights

  • Enjoy low annual fee of $45 p.a.
  • Up to 99 additional cardholders
  • Choose two different Rewards schemes in earning rewards program: Standard Rewards Membership or Premium Rewards Membership (convertible to Qantas points).

More about Suncorp credit cards

Learn about how to compare, apply, and get the most out of a Suncorp card.

  • FAQs

Can I keep my existing bank account and open a card with Suncorp?

Yes. There is no need to switch accounts when opening a credit card account with Suncorp (or another bank).

Can Suncorp Rewards points expire?

Generally, there is no expiry date on Suncorp Reward points, but you will lose your points if you fail to keep up monthly repayments or your membership ends.

Can you transfer a balance from another Suncorp account?

No. Suncorp allows new customers to transfer balances from third party financial institutions, but not from other Suncorp accounts.

Do Suncorp have internet and phone banking?

Yes. You can administer your account online, view transactions, send payments, apply for a credit limit increase, etc.

Using telephone banking, you can perform the usual functions (balance check, payments, etc.) and speak to a real person for help.

Do they have a good branch network?

There are 240 Suncorp branches in Australia, and they offer telephone and internet banking services. It signed up its 1 millionth customer in 2010.

How can I earn more Suncorp Rewards points?

Suncorp Rewards points are earned every time you use your card. Points can also be earned on any direct debits linked to your card such as utility bills.

What can Suncorp Rewards points be redeemed for?

You can redeem points for a wide range of merchandise, vouchers and travel rewards. Suncorp’s online catalogue offers more than 200 items including home cinema systems, personal entertainment and outdoors equipment. Shopping vouchers are also available and can be used at leading retailers such as Myer, Rebel Sport, Freedom Furniture and Target, among others.

Reward points can also be used for Take Flight Cashback, which allows you to book flights with any travel agent or booking service of your choice and then redeem points to re-credit your card against the flight payment. As a Suncorp cardholder, you gain access to the KrisFlyer and Velocity frequent flyer programs, meaning you can redeem points for flights with more than 30 airline partners to hundreds of domestic and international destinations.

What is the Suncorp Rewards program?

Suncorp Rewards is a credit card rewards program available to Suncorp Gold and Platinum credit card users. Points can be redeemed for a wide variety of products selected from Suncorp’s online catalogue, with items starting at 5,000 points. Points can be earned and redeemed at retail outlets, petrol stations and restaurants, and for bigger expenses such as flights and home furniture. Suncorp Rewards points can also be used for KrisFlyer and Velocity rewards, giving customers access to a variety of partnership companies.

One of the benefits of Suncorp rewards is Points Plus Pay, which means that you can use a combination of points and payments in exchange for rewards, so you don’t need to wait until you have accumulated enough points.

Who are Suncorp cards best for?

The standard card is a great value option for customers who want to use their card for everyday transactions and enjoy low purchase rates while saving on the annual fee for the first year. This card doesn’t have all the features and benefits of other offers, but offers real value for money.

The gold card is designed for those who want to enjoy superior benefits and are comfortable paying higher rates and annual fees, while their platinum card is designed for Australians on higher incomes with good credit history. These cards come with higher fees and rates, but also with extra benefits and exclusive rewards; customers often receive bonus reward points for signing up.