Suncorp Clear Options Gold Credit Card
Highlights
- Earn 1 Suncorp Rewards point per $1 spent on eligible transactions, up to $1,500 per statement period; thereafter, 0.5 points per $1.
- Redeem earned points for vouchers, cashback, or transfer to airline partners.
- Add up to four additional cardholders at no extra cost.
Pros and cons
Pros
Cons
History
Our review
Convenience
Customer service
Rates and fees
Rewards
Trust
The basics
- Additional cardholders. Add up to 4 additional cardholders at no extra cost. The primary cardholder is responsible for managing the account and making all repayments. Note that points will accrue for the primary cardholder and not for any additional cardholders.
- Digital wallets. This card is compatible with Apple Pay and Samsung Pay but not Google Pay.
- Gambling transactions. Gambling transactions are prohibited on the Suncorp Clear Options Gold Credit Card (or any other Suncorp credit card).
Rewards and benefits
- Complimentary travel insurance. This card does not provide complimentary international travel insurance cover.
- Concierge services. The Suncorp Clear Options Gold Credit Card does not feature a concierge service.
- Insurances. Cardholders get fraud protection, purchase protection insurance, and price protection insurance.
- Rewards points. Earn 1 Suncorp Rewards point per $1 spent on eligible purchases. Balance transfers and cash advances are not eligible transactions for earning points. The rewards program has a cap of 1,500 points per month and 18,000 points per year for domestic spending. As well as being redeemable for goods and services, Suncorp Rewards points can also be transferred to Flybuys, Singapore Airlines KrisFlyer, and Velocity Frequent Flyer (albeit they do not convert at 1:1).
- Sign up bonus. Suncorp has no sign up bonus for new customers.
Rates and fees
- Annual fee. The ongoing annual fee for this card is $120 p.a. This is typical of a credit card with rewards.
- Balance transfers. This card does not offer a balance transfer option.
- Cash advances. Suncorp will charge 21.99% p.a. interest on any transaction classified as cash advance, with interest accruing immediately. They also charge a one-off fee separate from the interest rate (3.50%, with a $3.50 minimum).
- Foreign exchange fee. Any purchases made in a foreign currency while overseas or online will incur a 3.4% fee.
- Interest-free period. Enjoy up to 55 days interest-free on purchases (excluding cash advances) when you pay the account balance in full by the due date or have made the required minimum repayments.
- Purchases. Since there is no introductory offer on purchases, the ongoing rate of 20.50% p.a. will be applied.
Reviewed by Nilooka Dissanayake
Writer
User reviews
Convenience
Customer service
Rates and fees
Rewards
Trust
Easy to use and never had a problem with it
Reviewed by Anon
You can use this card anywhere in the world and with low fees, it’s the perfect credit card. The customer service is good, they’re very reliable and will always make sure to verify your details before submitting any changes. I wish they had more rewards though, because I’ve never been offered anything for using this service. Everyone deserves a reward.
Great rewards program
Reviewed by Jaz
This card has a great rewards program and has been handy with up to 55 days interest free. The rate is high if you don’t pay this card out in full every month so it’s better if you are someone who pays it out in full every month. No issues with the card or service.
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