Suncorp Clear Options Gold Credit Card

Earn rewards as you spend and save with complimentary insurance on purchases with the Suncorp Clear Options Gold credit card.

You can reward every $1 you spend, add an additional cardholder at no extra cost and take advantage of Visa Entertainment perks with the Suncorp Clear Options Gold credit card. These perks come at the cost of $120 annual fee.

20.5% p.a.

Purchase rate


Reward point

Per $ spent

$120 p.a.

Annual fee

55 days

Interest free period

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Product NameSuncorp Clear Options Gold Credit Card
Rewards programSuncorp Bank Rewards Program
Purchase rate20.5% p.a.
Annual fee$120
Interest-free periodUp to 55 days on purchases
Cash advance rate21.99% p.a.
Min credit limit$5,000
Max credit limit$25,000
Card typeVisa
Foreign currency conversion fee3.4%
Minimum income$30,000
Available to temporary residentsNo
Joint applicationNo


  • You can enjoy an interest-free period of up to 55 days on purchases.
  • This card comes with complimentary insurance covers including Purchase Security Insurance and Guaranteed Pricing Scheme.


  • There is a high purchase interest rate of 20.5% p.a.
Rewards programSuncorp Bank Rewards Program
Bonus pointsN/A
Rewards points per $ spent1
Annual fee$120
Minimum monthly repayment2% of the closing balance or $30, whichever is greater
Late payment fee$30
Foreign currency conversion fee3.4%
Cash advance fee3.5% or $3.50, whichever is greater
Overseas cash advance fee1.5%
Additional cardholder fee$0
Number of additional cardholders4

Review by

Sally McMullen is a creative content producer at Finder. Sally has written about credit cards for almost 5 years, authoring almost 900 articles on Finder alone. She has also been published in Yahoo Finance, Dynamic Business, Financy and Mamamia, as well as Music Feeds and Rolling Stone. Sally has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

The Suncorp Clear Options Gold credit card is suited to points chasers who prefer flexible rewards programs. This is because you can use your points to buy gift cards and merchandise from the rewards store or exchange them for points with a number of partnered frequent flyer schemes.

How to apply

You can apply for the Suncorp Clear Options Gold credit card online. Just check if you meet the eligibility criteria and that you have the necessary documents to complete the application.

Eligibility criteria

  • Income. You must earn a minimum of $30,000.
  • Residency. This card is only available to Australian permanent residents.

Card benefits

  • Rewards program. You can earn 1 Reward point for every $1 spent for the first $1,500 each month and 0.5 Reward points thereafter for the remainder of the statement month. You can redeem your points for travel, merchandise, gift cards and more from the Suncorp Rewards website. If you prefer frequent flyer or shopping points, you can exchange your Suncorp Rewards for Emirates Skywards Miles, Velocity Frequent Flyer Points, Singapore Airlines KrisFlyer Miles and Flybuys points.
  • Guaranteed pricing scheme. If you use your card to purchase an item and find advertised elsewhere for a more competitive price, you'll be reimbursed up to $500 for the difference. Terms and conditions apply.

Rates & fees

  • Annual fee. This card charges a $120 annual fee.
  • Purchase interest rate. This card charges a variable purchase rate of 20.5% p.a.

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    Default Gravatar
    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?

      Avatarfinder Customer Care
      February 11, 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.



    Default Gravatar
    July 26, 2014

    Now that you no longer provide travel insurance with your gold card, how much will the yearly fee be?

      Avatarfinder Customer Care
      July 28, 2014

      Hi Adele,

      Just to clarify, 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.


    Default Gravatar
    January 8, 2014

    Can I transfer balance from ANZ ac to my Suncorp Gold visa account?

      Avatarfinder Customer Care
      January 8, 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.

    Default Gravatar
    December 9, 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?

      Avatarfinder Customer Care
      December 9, 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.

    Default Gravatar
    November 20, 2013

    Can you check my credit file?

      Avatarfinder Customer Care
      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.


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