Suncorp Clear Options Standard Credit Card

Save with a low interest rate and competitive annual fee with the Suncorp Clear Options Standard Credit Card.

The Suncorp Clear Options Standard offers features to help you cut your card costs. It boasts a low 12.74% p.a. interest rate on purchases, a $55 annual fee as well as the conveniences you'd usually expect from a Visa credit card.

12.74% p.a.

Purchase rate

$55 p.a.

Annual fee

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Product NameSuncorp Clear Options Standard Credit Card
Purchase rate12.74% p.a.
Annual fee$55
Interest-free period
Cash advance rate21.99% p.a.
Min credit limit$2,000
Max credit limit$20,000
Card typeVisa
Foreign currency conversion fee3.4%
Minimum income$25,000
Available to temporary residentsNo
Joint applicationNo


  • A low interest rate on purchases provides you with more freedom when you are unable to make repayments in full.
  • This card allows up to 4 additional cardholders.


  • There are no interest-free days on purchases. This means you will be charged interest from the day you make a purchase on your card.
Bonus pointsN/A
Annual fee$55
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 Standard is a low cost, no-frills card that offers a 12.74% p.a. purchase rate and a competitive annual fee. However, you should consider how you’re going to use the card before you apply.

How to apply

You can apply for the Suncorp Clear Options Standard credit card online in around 10 minutes. Before you start, check if you meet the eligibility requirements and have the necessary information to complete the application.

Eligibility criteria

  • Income. You must earn at least $25,000 p.a.
  • Residency. This card is available to permanent Australian residents.

Card benefits

  • Low purchase rate. This card charges a 12.74% p.a. purchase interest rate, which could help you save compared to other cards with higher interest rates.
  • Visa Entertainment. This Visa service provides cardholders with exclusive access to a range of sports, travel and entertainment offers.

Rates & fees

  • Annual fee. This card charges a $55 annual fee.
  • Cash advance interest rate. A variable interest rate of 21.99% p.a. is applied when you use your credit card for cash advance transactions, such as ATM withdrawals. A cash advance fee of 3.5% of the transaction amount (minimum $3.50) will also apply.

Ask an expert

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    Default Gravatar
    February 14, 2019

    Clear Options credit card – are there any reward points?

      Avatarfinder Customer Care
      February 20, 2019

      Hi Raeleen,

      Thanks for contacting Finder.

      Suncorp Clear Options Standard credit card does not let you earn reward points however, it gives you 10% cashback on eligible purchases made by both the primary or additional cardholders in the first 6 months (up to $150).

      You can consider Suncorp Clear Options Gold and Platinum credit cards instead, if you want to earn reward points.

      I hope this helps.


    Default Gravatar
    October 18, 2018

    Need to talk to someone re best 0% balance transfer


      Avatarfinder Customer Care
      October 18, 2018

      Hi Ivo,

      Thank you for leaving a question.

      At this time, we do not have a phone line we can use to call you back. We can only assist you through chat and/or email. If you are referring to Suncorp, you may call them at 13 11 55.

      You may also refer to our list of balance transfer credit cards available for comparison, you can use our comparison table to help you find the card that suits you. When you are ready, press the “Go to site” button of your preferred card to apply. Hope this helps!


    Default Gravatar
    August 29, 2018

    I am looking to pre-purchase domestic accommodation for early 2019. Does this credit card offer insurance if I can’t attend?

      Avatarfinder Customer Care
      August 29, 2018

      Hi Peter,

      Thanks for getting in touch with Finder. I hope all is well with you. :)

      Suncorp Clear Options Standard credit card does not come with complimentary travel insurance.

      You may instead refer to our list of credit card complimentary travel insurance. On that page, you will see a table that allows you to conveniently compare your options. Once you find the right one for you, click on the “Go to Site” green button to learn more or initiate your application.

      I hope this helps. Should you have further questions, please don’t hesitate to reach out again.

      Have a wonderful day!


    Default Gravatar
    December 17, 2017


    I recently applied for this card and was approved. Can you honestly say is this card a good option. I really only need for pre authorized deposits on my holiday and won’t be needing to access the funds for anything else? Is 12% percent interest charge good?

      Avatarfinder Customer Care
      December 20, 2017

      Hi Locky,

      Thanks for reaching out to us.

      Competitive interest rates typically range between 8.99% p.a. and 14.99% p.a., so a 12% p.a. should be fine. These cards help you save significantly compared to others that charge between 18% p.a. and 22% p.a. If you’d like to compare this card to other low-interest rate credit cards, you can use our comparison table to help you find the card that suits you.

      When you are ready, you may then click on the “Go to site” button and you will be redirected to the bank’s website where you can proceed with the application or get in touch with their representatives for further inquiries you may have.

      Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.


    Default Gravatar
    November 2, 2016

    I have a suncorp visa credit card to the value of $2000 . I wish to find out if I can get an extension on that amount , perhaps to $ 7000.
    I have been with this bank for over thirty years and I do have a 98.9 credit rating . I would appreciate a reply at your earliest.
    Thanking you Di

      Avatarfinder Customer Care
      November 2, 2016

      Hi Disne,

      Thanks for reaching out.

      Please note that is a financial information service that helps consumers make better decisions. We do not represent Suncorp.

      With Suncorp, you must be holding your credit card for at least 9 months to be able to be able to request an increase in credit limit. You can do it by visiting a local branch or calling them on 13 11 75.


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