The Suncorp Clear Options Gold Credit Card earns points that you can redeem for rewards including gift cards, statement credits, retail items and point transfers to Velocity Frequent Flyer. It offers up to 55 interest-free days on purchases if you pay your total balance by the due date on each statement. But otherwise, the 20.5% p.a. purchase rate is at the higher end of the scale. As it's one of only a handful of gold credit cards on the market in Australia, you could also compare it to other rewards cards or platinum credit cards to help decide if it's right for you.
Suncorp Clear Options Gold Credit Card

- Purchase rate
- 20.5% p.a.
- Reward point per $ spent
- 1
- Annual fee
- $120 p.a.
- Interest-free on purchases
- Up to 55 days
Our verdict
Offers reward points on your credit card spending and complimentary insurance on purchases, with a $120 annual fee.
Pros
-
Earn rewards points for your spending
-
Up to 55 days interest-free on purchases
-
Complimentary insurance covers including purchase protection insurance and extended warranty insurance
Cons
-
High purchase interest rate of 20.5% p.a.
-
3.4% foreign transaction fee
Details
Product details
Product Name | Suncorp Clear Options Gold Credit Card |
Purchase rate p.a. | 20.5% |
Interest-free period | Up to 55 days on purchases |
Cash advance rate p.a. | 21.99% |
Min credit limit | $5,000 |
Max credit limit | $25,000 |
Card type | Visa |
Eligibility
Available to temporary residents | No |
Minimum income | $30,000 |
Joint application | No |
Rewards
Rewards program | Suncorp Bank Rewards Program |
Bonus points | N/A |
Rewards points per $ spent | 1 |
Fees
Annual fee | $120 |
Minimum monthly repayment | 2% of the closing balance or $30, whichever is greater |
Late payment fee | $30 |
Foreign currency conversion fee | 3.4% |
Cash advance fee | 3.5% or $3.50, whichever is greater |
Overseas cash advance fee | 1.5% |
Additional cardholder fee | $0 |
Number of additional cardholders | 4 |
Your reviews

Amy Finder
Editor
You are about to post a question on finder.com.au:
- Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
- finder.com.au is a financial comparison and information service, not a bank or product provider
- We cannot provide you with personal advice or recommendations
- Your answer might already be waiting – check previous questions below to see if yours has already been asked
Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and 6. Finder Group Privacy & Cookies Policy.
This site is protected by reCAPTCHA and the Privacy Policy and Terms of Service apply.
Jonathan Finder
February 10, 2015
Hi Linda, thanks for your inquiry!
Please note that lenders have individual lending policies. Suncorp Bank will need to assess your financial and personal situation to be able to advise on your options and eligibility.
The minimum income requirement for this card is $30,000 p.a. with a minimum credit limit of $5000.
Cheers,
Jonathan
Show more Show less

Adele
July 26, 2014
Now that you no longer provide travel insurance with your gold card, how much will the yearly fee be?
Shirley Liu Finder
July 28, 2014
Hi Adele,
Just to clarify, finder.com.au is an online comparison service. We are not directly affiliated with Suncorp.
At the time of writing, the annual fee for this card is $120.
Cheers,
Shirley

Ken
January 08, 2014
Can I transfer balance from ANZ ac to my Suncorp Gold visa account?
Jacob Joseph Finder
January 08, 2014
Hi, Ken.
If you have an existing Suncorp account that you would like to transfer a balance to, please contact the lender directly to see what balance transfer rate they can give for existing customers.
Thanks for your question.

Guy
December 09, 2013
I am now retired with assets in excess of 2 millions dollars and annual income from investments and superfund in excess of 250,000 dollars.
What do I need to supply with? Your form asks for the name of my employer but I don’t have any. How do I prove my income to you?
Jacob Joseph Finder
December 09, 2013
Hi Guy.
If you’re retired you can still apply for this card, you will need to select ‘self employed’ and then you will need to provide your accountant’s details so he can verify your information when contacted by the bank.
Thanks for your question.

Danielle
November 20, 2013
Can you check my credit file?
Jacob Joseph Finder
November 20, 2013
Hi Danielle,
Thanks for your question.
You can find information on how to order a copy of your credit file.
I hope this helps.
Cheers,
Jacob
linda
February 10, 2015
I have GE master card with 900.00 owing, I am on Centrelink, can I transfer to Suncorp & have a $1000.00 limit card?
Linda.