Save with low rates for balance transfers and purchases, earn points per $1 spent and enjoy gold or platinum perks with a Suncorp Bank credit card.
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. Here, you can compare Suncorp Bank credit cards and introductory offers, read about the benefits of banking with Suncorp Bank and find answers to some of the most frequently asked questions.
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) 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.
Compare Suncorp Bank Credit Cards
Rates last updated April 30th, 2017.
- Suncorp Clear Options Standard Credit Card
New $100 cash back offer + BT period changed from 12 to 14 months w/c is valid until 31 July 2017
February 2nd, 2017
- Suncorp Clear Options Platinum Credit Card - Exclusive Offer
A new exclusive offer of $99 annual fee for the first year which is valid until 31 July 2017.
February 16th, 2017
What credit cards does Suncorp Bank offer?
Suncorp Bank has three main credit card options for personal customers, with features to help you save money or get more benefits from paying with plastic. Depending on the card you choose, you could keep costs down with a low purchase rate, earn Suncorp Rewards or Qantas Points for your spending, manage business expenses and gain access to other premium perks. Use the sections below to find out more about Suncorp Bank's range of Clear Options credit cards, including details of the latest introductory reward and balance transfer offers.
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.
Gold credit cards
The Suncorp Bank Clear Options Gold Credit Card includes rewards for everyday spending, 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 Suncorp Qantas Frequent Flyer program for an extra $49 p.a.
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 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.
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. 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 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 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.
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 instants 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 "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.