Save with low rates for purchases and balance transfers, earn points for your spending and enjoy gold or platinum perks with a Suncorp Bank credit card.
Use this guide to compare Suncorp Bank credit cards and introductory offers. We also look at the benefits of banking with Suncorp Bank and answer some of the most frequently asked questions so that you can decide if a Suncorp Bank credit card is right for you.
Suncorp Credit Card Offer
Enjoy reward points for spending, a balance transfer offer, a discounted annual fee for the first year and a complimentary international travel insurance.
- $99 p.a. annual fee for the first year ($169 p.a. thereafter)
- 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.
Compare Suncorp Bank Credit Cards
What credit cards does Suncorp Bank offer?
Suncorp Bank offers a variety of cards that suit different goals and needs. Depending on the card you choose, you could keep costs down with a low purchase rate, earn Suncorp Rewards or Qantas Points as you spend, manage business expenses and gain access to other premium perks. You can compare Suncorp Bank credit cards based on each of the categories below.
Low rate credit cards
The Suncorp Bank Clear Options Standard Credit Card offers a low ongoing variable interest rate for purchases and a competitive annual fee. It also gives you access to exclusive entertainment and experience offers from Visa Entertainment.
Learn more about low rate credit cards
Gold credit cards
The Suncorp Bank Clear Options Gold Credit Card offers a rewards program, complimentary purchase cover and a guaranteed pricing scheme to help you get the lowest price for your purchases.
Platinum credit cards
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. With this card, you can also choose to earn Qantas Points for your spending by enrolling in the frequent flyer program for an extra fee.
Business credit cards
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.
Benefits of getting a Suncorp Bank credit card
Sign up for a Suncorp Bank credit card and you'll also be able to enjoy the following benefits.
Suncorp Bank Rewards Program
Let your spending reward you and earn reward 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 Qantas frequent flyer rewards with both the business and platinum credit cards. Read our guide on the Suncorp Bank rewards program to find out more.
Suncorp Bank Internet banking
Register your Suncorp Bank credit card for online banking and you'll be able to 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. Remember that a cash advance fee and cash advance interest rate will apply if you use your credit card for ATM withdrawals, though.
Suncorp Bank financial hardship assistance service
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 1800 225 223 or visit a branch and explain your current financial position.
How to apply for a Suncorp Bank credit card
You can apply for a Suncorp Bank credit card in about 10 minutes get a response within moments via the secure online application service. Before you get started, make sure you meet the eligibility criteria for your chosen card. These vary between cards, 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 a 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, your address and residential status. You may also be asked to provide your driver’s licence number or another 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
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 55.
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. Please note that you can't balance transfer beyond 80% of the approved credit limit.
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 55 and discuss your balance transfer options.
At the end of the promotional offer, any remaining balances will start to collect the cash advance revert rate.
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 55. 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 55. The card can then be blocked and/or cancelled.
What other products does Suncorp Bank offer?
As well as credit cards, Suncorp Bank offers a suite of personal, business and agribusiness lending and deposit products, including home loans, savings and transaction accounts and insurance.