With low rate, gold, platinum and business options, Suncorp Bank credit cards are designed to suit a wide range of needs.
Suncorp Bank is one of Australia's leading regional banks, with more than 190 branches across the country. It provides a suite of of personal, business and agribusiness lending and deposit products, including credit cards, home loans, savings and transaction accounts, and insurance.
The Suncorp Bank Clear Options credit card range includes a standard, gold and platinum option for individuals, and a business credit card for small to medium enterprises. Here, you can compare Suncorp Bank credit cards, read about the benefits of banking with Suncorp Bank and find answers to some of the most frequently asked questions.
Suncorp Credit Card Offer
Receive cashback on purchases for the first 3 months and earn Suncorp reward points for every $1 spent and complimentary international travel insurance.
- $169 p.a. annual fee
- 20.74% p.a. on purchases
- 0% p.a. for 18 months on balance transfers
- Cash Advance Rate of 21.99% p.a.
- Up to 55 days interest free
- Minimum Income Requirement of $35,000 p.a.
Comparison of Suncorp Bank Credit Cards
Rates last updated December 3rd, 2016.
- Suncorp Clear Options Platinum Credit Card
Updated the balance transfer length
July 1st, 2016
- Suncorp Clear Options Standard Visa Credit Card
0% for 14 months balance transfer offer has been extended until 31 January 2017.
July 23rd, 2016
Types of credit cards from Suncorp Bank
Suncorp Bank Clear Options credit cards offer features that could suit both people on a budget and those who want extra perks and premium services. The Clear Options Business Credit Card also rewards business owners for everyday spending options. You can find out more about Suncorp Bank credit cards below.
Low rate credit cards
Low rate credit cards, such as the Suncorp Bank Clear Options Standard Credit Card, offer an affordable way to pay with plastic by providing you with a competitive standard variable interest rate for purchases. Some of these cards also provide low introductory interest rates for balance transfers, allowing you to save money on existing debt you move to the new card.
Gold credit cards
Gold credit cards are a step up from standard options and usually provide some extra perks such as complimentary insurance. These cards may also have slightly higher annual fees. The Suncorp Bank Clear Options Gold Credit Card includes rewards for everyday spending, complimentary purchase cover and a guaranteed pricing scheme.
Platinum credit cards
Platinum credit cards are more premium than standard or gold options and come with a greater range of features and benefits as a result. They also generally have higher annual fees. These cards can offer great value if they’re used correctly. Features of the Suncorp Bank Clear Options Platinum Credit Card include rewards for everyday spending, complimentary international travel insurance, interstate flight inconvenience insurance and purchase protection insurance.
Business credit cards
Business credit cards are a great way to control and manage your business spending. These cards often provide a large number of additional credit cards for employees. The Suncorp Clear Options Business credit card offers up to 99 additional cardholders and gives you the option of customising limits for each person. It also gives you the option of joining the Suncorp Clear Options Rewards Program to earn points for business spending on the account.
The benefits of banking with Suncorp Bank
You get access to the following benefits when you apply and you’re approved for a Suncorp Bank credit card.
Suncorp Bank Internet banking — Account access
Get a Suncorp Bank credit card and you can register for online banking. Make payments, view transactions and e-statements from anywhere in the world, any time of the day.
Suncorp Bank — ATM Network
As a Suncorp Bank customer, you can avoid a direct ATM fee by using any Suncorp Bank or Bendigo Bank branded ATM. Suncorp Bank has over 1650 branded ATMs across Australia.
You can also use your Suncorp Bank credit card to make a cash withdrawal from any ATM that accepts Visa, although third-party fees may apply. Also remember that a cash advance fee and the cash advance interest rate will apply any time you use a credit card to withdraw cash.
Suncorp Bank — Financial hardship assistance
Suncorp Bank can help both personal and business credit card account holders who are experiencing financial difficulty. If you find you are struggling to make payments or manage your Suncorp Bank credit card account, contact Suncorp Bank on 13 11 75 or visit a branch and explain your current financial position. Suncorp Bank will then be able to assess the situation and discuss a range of options based on your circumstances and needs.
Suncorp Bank Rewards Program
Let your spending reward you and earn rewards points per $1 spent with the Suncorp Bank Clear Options Gold or Platinum credit card and redeem your points for travel experiences, gadgets, gift cards, luxury goods and holidays.
You can also pay to enrol in the Suncorp Bank Rewards Program if you have a Suncorp Bank Business Credit Card, and there are options for getting frequent flyer rewards with both the business and platinum credit cards. Read our guide on the Suncorp Bank rewards program to find out more.
How to apply for a Suncorp Bank credit card
A secure online application for a Suncorp Bank credit card can usually be completed in 10 minutes and you'll get a response soon after submitting it. Before you apply, you'll need to meet some basic eligibility criteria. These vary depending on the card, but generally include:
- Age. You must be at least 18 years old to apply for a credit card.
- Residency status. You must be an Australian citizen or permanent resident.
- Minimum income. You must meet the minimum income requirements for your chosen Suncorp Clear Options credit card.
- Credit rating. You must have "good" credit history.
Be sure to check specific requirements for your chosen card before you apply. If you meet these criteria, you can start the online application process.
Have the following on hand to support your online application for a Suncorp Bank credit card.
- Personal information. You need to enter your contact details and details of a relative or friend who doesn’t live with you, your address and residential status and your driver’s licence number or other form of approved identification.
- Financial information. Provide your employer’s contact information, details about your income, expenses, assets and liabilities.
- Other cards. If you plan on transferring your existing credit card debt to a Suncorp Bank credit card, provide the card number, transfer amount and the name of the card issuer. Note that Suncorp credit card balance transfer offers are not available for debts on other Citigroup or Suncorp Bank cards.
Frequently asked questions
Do you have a question about Suncorp Bank credit cards? Have a look for an answer to your question below. If you still need information, get in touch with us using the ask a question form at the bottom of the page.
When will I get my Suncorp Bank credit card after I’m approved?
After you complete the online application for a Suncorp Bank credit card, you will receive a response moments after you hit submit. It may then take 5-7 business days for the application to be fully processed. You'll receive your card shortly after that time.
How do I activate my Suncorp Bank credit card?
Once you receive your Suncorp Bank credit card, you will need to activate it before you can start using it. You can activate your Suncorp Bank credit card by dialling the credit card activation number detailed in the Welcome Pack you receive with your card. Alternatively, you can call the Suncorp Bank customer service team on 13 11 75.
Can I transfer my credit card balance to a Suncorp Bank credit card?
You're able to transfer up to three balances from credit cards, store cards or charge cards (excluding Suncorp Bank and Citigroup cards). You can request a balance transfer when you apply for the card online.
When filling out the secure online application form, you will be asked if you want to request a balance transfer. If you say "yes", you will then need to enter the account details and the amount you would like to transfer from each account. Alternatively, you can call Suncorp Bank at any time on 13 11 75 and discuss your balance transfer options.
If you request a balance transfer to a credit card with an introductory balance transfer offer, remember that at the end of the balance transfer promotional period, anything you transferred to the card but haven’t paid back will be charged at the cash advance rate of interest.
When will I pay the Suncorp Bank credit card annual fee?
The annual fee is usually charged to the first statement and then charged on the anniversary of that statement for every year you have the account. If the annual fee is not paid in the first statement period, it will accrue interest at the standard purchase rate for that card.
Can I increase my credit limit?
You can apply for a credit limit increase or decrease by calling Suncorp Bank on 13 11 75. Note that credit limit increases are subject to credit approval criteria.
How can I make repayments to my Suncorp Bank credit card?
You can make a payment to your Suncorp Bank credit card using the following methods:
- Suncorp Bank Internet and telephone banking
- In-person at a Suncorp Bank branch
- Direct debit
- Sending a cheque in the mail
What do I do if my Suncorp Bank credit card is lost or stolen?
If your card is lost or stolen, call Suncorp Bank immediately on 1800 775 020, +617 3362 1712 or 13 11 75. The card can then be blocked and/ or cancelled.