Exclusive Offer

Suncorp Clear Options Platinum Credit Card – Exclusive Offer

No longer available

This Finder exclusive offer expired on 31 August 2021. You can compare the current range of Suncorp credit cards here.

0% p.a.

Balance transfer rate

for 24 months


Bonus points

20.74% p.a.

Purchase rate


Reward points

Per $ spent

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Product NameSuncorp Clear Options Platinum Card - Exclusive Offer - DISCONTINUED
Rewards programSuncorp Bank Rewards Program
Balance transfer rate0% p.a. for 24 months
Balance transfer revert rateCash Advance Rate (21.99% p.a.)
Balance transfer limit80% of available limit
Purchase rate20.74% p.a.
Annual fee$64 annual fee for the first year ($129 p.a. thereafter)
Interest-free periodUp to 55 days on purchases
Cash advance rate21.99% p.a.
Min credit limit$6,000
Max credit limit$30,000
Card typeVisa
Foreign currency conversion fee3.4%
Minimum income$35,000
Available to temporary residentsNo
Joint applicationNo


  • 0% p.a. on balance transfers for the first 24 months
  • 25,000 bonus points offer
  • $64 annual fee for the first year ($129 thereafter)
  • Complimentary insurance covers including travel insurance, purchase protection and transit accident insurance


  • The purchase interest rate and cash advance rate are relatively high
  • Opting into Qantas Rewards is subject to a $49 fee
  • A 3.4% international transaction fee applies for spending in a foreign currency
Rewards programSuncorp Bank Rewards Program
Bonus points25,000
Rewards points per $ spent1.25
Rewards points capUncapped
Annual fee$64 annual fee for the first year ($129 p.a. thereafter)
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% of the transaction amount (after conversion to Australian dollars)
Additional cardholder fee$0
Number of additional cardholders4

How to apply

You can apply for the Suncorp Bank Clear Options Platinum online in around 10 minutes. Before you get started, make sure you meet the eligibility criteria and have all the relevant documents and details on hand.

Eligibility criteria

  • Apply through Finder. To take advantage of the 0% balance transfer offer, you need to apply through Finder before 31 August 2021 and make the balance transfer request within 90 days from card approval.
  • Minimum income. To take advantage of the 0% balance transfer offer, you need to apply through Finder before 31 August 2021 and make the balance transfer request within 90 days from card approval.

Card benefits

  • Balance transfer offer. Apply through Finder by 31 August 2021 to take advantage of 0% p.a. interest for the first 24 months on balance transfers (with no balance transfer fee). At the end of the introductory period, any unpaid balance will be charged at the variable cash advance rate, currently 21.99% p.a.
  • Bonus points offer. Collect 25,000 bonus Suncorp Credit Card Rewards Points when you apply by 31 August 2021 and spend $1,500 on eligible purchases within the first 60 days from card approval.

Rates & fees

  • Annual fee. Outside of any promotions, the Suncorp Clear Options Platinum charges a standard annual fee of $129.
  • Purchase rate. A variable interest rate of 20.74% p.a. applies to purchases made on this card, which is on the higher end of the scale.

Ask an expert

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    Default Gravatar
    August 15, 2019

    Hi, How I’m open new credit card?

      Default Gravatar
      August 16, 2019

      Hi Thanh,

      Thanks for leaving a question on our page. It’s great to know that you are looking to apply for a Suncorp Credit Card. Start by reading the part of the page that says “HOW TO APPLY” to check the eligibility requirements of this card. The second step is to hit the GREEN GO TO SUNCORP button on top of the page. This will bring you to Suncorp’s website. Third, read about its features and benefits and see how it fits your financial needs. Additionally, it’s helpful to review the PDS and Terms & Conditions of the card before fully committing to the card. You may also reach out to the bank if you have any clarifications.

      Hope this helps and best of luck on your application.


      When you are read

    Default Gravatar
    March 26, 2019

    Hi can you please tell me what 60,000 bonus points as? As in convert to frequent flyer points or which points? Thanks

      Default Gravatar
      March 27, 2019

      Hi RenHart,

      Thanks for getting in touch! You can get 60,000 Suncorp Rewards Points points when you spend $1,500 on eligible purchases each month made in Australia and internationally for 6 months from account approval. Bonus reward points will be credited to your Rewards Balance within 6-8 weeks of meeting the spend criteria. Eligible transaction means any purchase on the card excluding cash advances, balance transfers, special promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, payments to other Suncorp Bank accounts, bank fees and charges such as interest and ATM charges, transactions made using Points and government-related transactions.

      Hope this clarifies!


    Default Gravatar
    December 6, 2018

    If I apply and get approved and transfer say 10k and have an approved limit of 20k … if I make purchases on the card i understand that the 55 day interest free does not apply to those purchases. If I purchase 1 product in the first month worth $100, my debit balance is now 10,100. Is interest then charged on the 100 only – or the whole 10,100? Talking to someone at Suncorp they have told me the whole 10,100 but my read of the t’s and c’s that I can find is that it only applies to the 100. The 10k is still interest free for the 18 months.

      Avatarfinder Customer Care
      December 12, 2018

      Hi Matt,

      Thank you for your question.

      No, not the whole $10,100. The interest for your purchases will only be applied to your purchases. So for instance your card has a balance transfer offer with free interest, that will remain the same for the interest-free period. Your purchases, meantime, will be charged with interest if in case you won’t be paying in full by the due date. Unless your card offers 0% interest on purchases and balance transfer for a limited time, then you won’t be charged interest (for both purchases and BT) within the promo period.

      Hope this has helped.


    Default Gravatar
    November 30, 2018

    Regarding the 60k bonus points above, are they frequent flyer points? Can they be transferred to Qantas points? I am already an existing Qantas FF member.

      Avatarfinder Customer Care
      December 6, 2018

      Hello Leanne,

      Thank you for your comment.

      No. Qantas is not a partner of the Suncorp credit card Rewards program. You may check more details of the Suncorp Bank Rewards program.

      Should you wish to have real-time answers to your questions, try our chatbox on the lower right corner of our page.


    Default Gravatar
    May 9, 2018

    do you need to make monthly for the amount (balance transferred) before the 0% period ends? Or you just need to pay off the full amount before the 0% interest rate period ends? thanks

      Default Gravatar
      May 9, 2018

      Hi Sahlee,

      Thanks for your message and for visiting finder.

      Yes, with the balance transfer, you can pay your balance on a monthly basis. For instance, you’re able to transfer $5,000 to the card, payable within 18 months without interest, the estimated monthly would be $5,000/18 = $277.78 per month. Please note that you can pay equal to or more than your monthly payment until your balance is paid off before the 18-month period ends. Any amount left on the card after 18 months will have a 21.99% interest rate.

      Hope this helps! Feel free to message us anytime should you have further questions.


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