Suncorp credit cards

Compare Suncorp credit card features, rewards, interest rates, and fees. Make an informed decision about applying for a new card.

By Yvonne Taylor | Verified by David Boyd | Updated 27 Feb 2023

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Comparing Suncorp credit cards

Compare

Suncorp Clear Options Platinum Credit Card

Balance transfer

14 months at 0% p.a.

Purchase rate

20.74% p.a. ongoing

Annual fee

$64.00 for 1st year

Highlights

100,000 bonus Suncorp Credit Card Rewards Points when you spend $3,000 on eligible transactions in the first 90 days from approval.
0% p.a. for 14 months on balance transfers. Reverts to cash advance rate.
Earn 1.25 Suncorp Rewards Points per $1 spent on eligible transactions.
Platinum privileges, including concierge service and a host of insurance covers.

Pros

Receive 100,000 bonus Suncorp Credit Card Rewards Points when you meet the criteria.
Earn 1 Suncorp Rewards point per $1 spent (or 0.5 Qantas Point).
A reduced fee of $64 p.a. in the first year and $129 p.a. thereafter.
$6,000 to $100,000 credit limits.
Complimentary insurance, including international travel insurance.
Access to the concierge service.

Cons

There is a 3.4% international transaction fee if you transact overseas.
A $40 over-limit fee for exceeding the credit limit.
Longer interest-free balance transfers are available.
Suncorp Rewards points don't convert to airline points at 1:1.

Compare

Suncorp Clear Options Standard Credit Card

Balance transfer

12 months at 0% p.a.

Purchase rate

12 months at 0% p.a.

Annual fee

$55.00 p.a. ongoing

Highlights

The 12.74% p.a. ongoing interest rate charged on purchases is cheap.
0% p.a. up to 12 months on purchases, reverting to 12.74% p.a.
0% p.a. up to 12 months on balance transfer, reverting to the 21.99% p.a. cash advance rate.

Pros

Low $55 p.a. annual fee.
Introductory interest-free purchases and balance transfers for 12 months.
Low ongoing purchase interest rate.
Add up to 4 additional cardholders for no extra cost.

Cons

No interest-free days.
Doesn't earn rewards.
Expensive foreign currency transaction fee.

Compare

Suncorp Clear Options Gold Credit Card

Balance transfer

N/A

Purchase rate

20.5% p.a. ongoing

Annual fee

$120.00 p.a. ongoing

Highlights

Earn 1 Suncorp Rewards point per $1 spent on eligible transactions up to $1,500 per statement period, then 0.5 points per $1.
Redeem points earned for vouchers, cashback, or transfer to airline partners.
Add up to four additional cardholders for no extra cost.

Pros

Earn 1 Suncorp Rewards point per $1 spent on eligible transactions.
Choice of airline transfer partners makes finding a rewards seat on your preferred travel dates easier.
Comes with a complimentary purchase cover on personal purchases and a guaranteed pricing scheme.
Get up to 55 interest-free days on retail purchases.
Access exclusive pre-sales, offers, and competitions with Visa Entertainment.

Cons

No sign up bonus for new customers.
Suncorp Rewards points do not convert to frequent flyer points at 1:1.
The ongoing purchase rate is at 20.5% p.a.
$40 over-limit fee.
3.4% fee on international transactions.

Compare

Suncorp Clear Options Business Credit Card

Balance transfer

N/A

Purchase rate

18.45% p.a. ongoing

Annual fee

$45.00 p.a. ongoing

Highlights

Low annual ongoing fee of $45 p.a. Add up to 99 additional cardholders.
Choose to earn Suncorp Rewards points or Qantas Points on eligible purchases.
Up to 55 days interest-free on purchases.

Pros

Earn 1 Suncorp Rewards point per $1 on eligible business spending.
Convert Suncorp Rewards points to Flybuys points, KrisFlyer Miles, or Velocity Points.
Possible to earn Qantas Points instead of Suncorp Rewards points.
Minimum credit limit of $2,000.
Up to 99 additional cardholders, but at a cost.
A competitive annual fee of $45 p.a.
Free monthly statements for active cards.

Cons

No sign up bonus for new customers.
Membership fees apply to the rewards program.
Suncorp Rewards points don't convert to frequent flyer points at 1:1.
Annual fee per additional cardholder, which can add up quickly.
Overseas and international transactions carry a fee of 3.40%.
$40 over limit fees.

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. You can compare credit card balance transfers here.

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.