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130,000 Spend $3,000 in the first 90 days
Suncorp Clear Options Platinum Credit Card
Suncorp Clear Options Platinum Credit Card

Suncorp Credit Cards

Suncorp Clear Options Platinum Credit Card

Updated 22 July 2022

Enjoy 130,000 bonus Suncorp Credit Card Rewards Points when you apply by 31 August 2022 and spend $3,000 on eligible transactions in the first 90 days from approval. Plus, save with 0% p.a. for 14 months on balance transfers. Reverts to cash advance rate. No interest free days are available on retail purchases while you have a balance transfer.

Purchase Rate (p.a)

20.74%

Balance Transfer (p.a)

0% for 14 months No balance transfer fee.
Reverts to 21.99% p.a.

Annual Fee (p.a)

$129

$0 over 14 months

My transfer amount

Balance transfer from:

My annual fee

My interest rate

Pros and cons

  • 130,000 bonus Suncorp Rewards Points when you spend $3,000 on eligible transactions in the first 90 days from approval
  • 0% p.a. for 14 months on balance transfers. Reverts to cash advance rate.
  • Suncorp Rewards Program offers earning of up to 1.25 point for every $1 spent
  • Rewards program is compatible with Qantas frequent flyer program
  • 24/7 Personal Concierge Service
  • Complimentary Overseas Travel insurance
  • Complimentary Interstate Flight Inconvenience insurance
  • Complimentary Purchase Cover insurance
  • Complimentary Extended Warranty cover
  • Up to four additional cardholders for no extra cost
  • Up to $30,000 credit limit if meeting customer criteria

  • Qantas Frequent Flyer reward point earn rate is 0.5 reward points for every $1 spent and capped earn at $8,000 per statement period

Creditcard.com.au review

Editor Review

Suncorp Clear Options Platinum Credit Card

Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. about this card.

The Suncorp Clear Options Platinum Credit Card

Looking for some nice, clear options when choosing your next credit card? How about the Suncorp Clear Options Platinum Credit Card? Okay, bad joke. Seriously though, this is a pretty decent card, with pretty decent intro offers on the table.

Yep, with this card, you can enjoy 130,000 bonus Suncorp Credit Card Rewards Points when you spend $3,000 on eligible transactions in the first 90 days from approval, and 0% p.a. for 14 months on balance transfers. Not bad at all.

The chunk of bonus points this card offers can be redeemed for flights, accommodation, and exciting products at partner stores, making it a suitable option if you are planning to go on a trip or simply looking to boost your points balance.

If you have an existing card debt, taking advantage of the 0% balance transfer intro offer can help you clear your balance faster.

This card also offers a very workable rewards program and some very nice features. Want to find out more? Let’s get into it.

What we love…

So we’ve covered the intro offer, now let’s look at what else this card provides. This is a platinum rewards card. That means it offers some handy platinum perks, as well as a rewards program with a respectable earn rate.

If you opt for the Suncorp Bank Rewards Program, you can earn 1.25 Suncorp Rewards Points for every $1 spent on the card. This can be redeemed for travel, merchandise, gift cards and more. Alternatively, you could choose to join the Suncorp Bank Qantas Frequent Flyer program, where you would earn 0.5 Qantas Points for every $1 spent.

On to the platinum perks. You will usually notice certain similarities between platinum cards and their perks. Platinum cardholders have come to expect certain niceties, don’t you know. This platinum card, like many others, offers a range of complimentary insurances.

In terms of travel cover, cardholders can enjoy the peace of mind from having international travel insurance, transit accident insurance and interstate flight inconvenience insurance. Purchases are also covered, under the card’s guaranteed pricing scheme and purchase cover.

Anything else in the way of platinum extras? Cardholders can benefit from the services of a personal concierge, available 24/7. There are also special offers and discounts to be had, offering exclusive tickets to sporting, music and theatre events, dinner and travel packages, sightseeing tours and more.

What’s not so great…

No one likes being a downer, but here goes. The purchase rate like most rewards cards, is high at 20.74% p.a.

You’ll also have to pay $49 per year if you choose to earn rewards on the Suncorp Bank Qantas Frequent Flyer program.

Why should you choose this card?

If you’re looking for a decent rewards card with some very nice platinum features, this card may well be for you. You can earn points as you spend, plus you can have up to four free additional cardholders helping you accumulate points. If you need a higher than average credit limit, you may get approved for up to $30,000 on this card, and if you need it, you can enjoy up to 55 days interest free on retail purchases.

Overall Rating

Nice rewards card with a respectable earn rate, some very pleasant extras and a suitably lovely bonus introductory offers.

User reviews

Suncorp Clear Options Platinum Credit Card ( based on 12 Creditcard.com.au user reviews )

65% rating based on 12 reviews

Rates
Fees
Rewards
Customer Service
Value
31%

Allen

11 September 2020

the refund process takes months, and the citibank representing Suncorp and asks you a lot of questions. and there are some hidden transaction fees.

Recommends this card

Rates and fees

Interest rates



Purchase rate 20.74% p.a.

Cash advance rate 21.99% p.a.

Interest free period on purchases up to 55 days

Balance transfer

Balance transfer rate 0% p.a. for 14 months

Balance transfer revert rate 21.99% p.a.

Balance transfer from personal loan No

Balance transfer fee No fee

Balance transfer limit 80% of approved credit limit

Brands you can't balance transfer from Bank of Queensland, Citi, Coles, IMB, Qantas Money, Suncorp, Virgin Money

Credit limits

Minimum credit limit $6,000

Maximum credit limit $30,000

Fees & repayments

Annual fee $129 p.a.

Additional cardholder fee Up to 4 at no extra cost

Foreign transaction fee 3.40%

Minimum repayment 2% or $30 (whichever is greater)

Cash advance fee 1.50% (international); $3.50 or 3.5%, whichever is greater (domestic)

Late payment fee $30

Rewards and points

Rewards program

Rewards Program Suncorp Rewards Suncorp Rewards

Bonus points 130,000 points

Annual points cap uncapped

Bonus points spend criteria Spend $3,000 in the first 90 days

Earning points with this card

Rewards Rewards points 1.25 points per $1 spent

Points cap per month N/A

Overseas earn rate same as standard earn rate

Additional features

Complimentary insurance

International Travel Insurance Yes

Flight Inconvenience Insurance Yes

Transit Accident Insurance Yes

Smartphone Screen Insurance No

Purchase Protection Insurance No

Extended Warranty Insurance Yes

Rental Vehicle Excess In Australia Insurance No

Extras

Guaranteed Pricing Scheme

Overview

Suncorp Clear Options Platinum Credit Card

The Suncorp Clear Options Platinum card offers rewards 1.25 point earned per $1 spent alongside a platinum concierge, with the option to opt in to a Suncorp Qantas Frequent Flyer rewards scheme. With the Suncorp Platinum, you can enjoy the flexibility of higher credit levels as well as benefit from a great rewards system. The rewards points are convertible to Qantas Frequent Flyer points, and are uncapped and do not expire as long as the account is open.

Key features

  • 130,000 bonus Suncorp Credit Card Rewards Points when you spend $3,000 on Eligible Transactions in the first 90 days from approval
  • 0% p.a. for 14 months on balance transfers. Reverts to cash advance rate.
  • Suncorp Rewards Program offers earning of up to 1.25 point for every $1 spent
  • Rewards program is compatible with Qantas frequent flyer program
  • Up to four additional cardholders for no extra cost
  • Complimentary Overseas Travel insurance
  • Complimentary Interstate Flight Inconvenience insurance
  • Complimentary Purchase Cover insurance
  • Complimentary Extended Warranty cover
  • 24/7 Personal Concierge Service
  • Up to $30,000 credit limit if meeting customer criteria

Minimum criteria to apply for this card

  • Be over 18 years old

  • Good Credit and have not applied for multiple credit cards recently

  • Australian Permanent Resident

  • Minimum income of $35,000 p.a.

  • You have your personal details ready to complete the online application

Pauline

Pauline is a personal finance expert at CreditCard.com.au, with 8 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger

Recently Asked Questions

Something you need to know about this card? Ask a our credit card expert a question.

31 questions (showing the latest 10 Q&As)

Kevin Foster

Kevin Foster

5 May 2022
with travel insurance on platinum credit cards are we covered for covit 19 whentraveling over seas and in Australia
    Pauline - CreditCard.com.au

    Pauline

    6 May 2022
    Hi Kevin, we don't have an active partnership to this card yet but I see that indeed Suncorp Clear Options Platinum card includes travel insurance coverage. Their official insurance terms PDF state that pandemics and endemics are listed as a general exclusion.
CHARLES N CSABI

CHARLES N CSABI

1 May 2022
How long is the process for approval ? Is it shorter if I apply personally in your Office ?
    Pauline - CreditCard.com.au

    Pauline

    3 May 2022
    Hi Charles, generally speaking there’s no difference in the process whether you apply online or in an office. In both instances your application will go off to the respective departments and a card mailed to you if you’re approved.
CHARLES N CSABI

CHARLES N CSABI

1 May 2022
is there any age limitation on the travel insurance and any limitations on pre-existing conditions ?
    Pauline - CreditCard.com.au

    Pauline

    3 May 2022
    Hi Charles, you should always do your due diligence before taking out any insurance products. For your convenience we’re linked Suncorp’s official insurance terms and conditions for details about coverage and pre-existing conditions. You may also call Suncorp or Allianz directly to get further details.
globalspark

globalspark

6 January 2022
i wrote the wrong card and in fact it is the Westpac Altitude Black card and the fees are now $250 a year which includes my Qantas frequent flyers fee..I am also looking at the HSBC card which is around $125 a year includes 2 lounge passes insurance and Qantas points
    Pauline - CreditCard.com.au

    Pauline

    7 January 2022
    Hi there, you’re not wrong. The HSBC platinum has a great balance transfer offer and annual fee offer running right now, with the insurances and lounge passes. You can read our review of the card here. Let us know what card you decide on!
globalspark

globalspark

30 December 2021
i am tired of trying to compare cards. I have a black Earth Mastercard but fail to see the $200 a year fees with this card. I have never been able to get my lounge passes and have been with this card for over 10 years.how would you compare the westpac blackearh master card with the suncorp visa?
    Pauline - CreditCard.com.au

    Pauline

    6 January 2022
    Hi there! As you probably know, the earth black card is no longer available from Westpac. The Suncorp card doesn’t offer lounge passes, and has a similar annual fee with a range of insurances. The added insurances are great if you use them, but if you’re after lounge passes, check out our comparison tables. You can sort by annual fee and then read our expert review to find out more.
Carole

Carole

25 November 2020
Roland do you have to opt into the Qantas frequent flyer rewards scheme prior to receiving your card or can it be done afterwards. A card has just been received
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    25 November 2020
    Hi Carole, I assume that you should be able to switch at any time. They will just look to charge you the additional $49 annual fee for this program. Make sure you have your Qantas Membership number ready. I would give them a call to discuss if you are keen 13 11 55
mick day

mick day

5 October 2020
Can you explain the services of a personal concierge ?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    6 October 2020
    Hi Mick, they don't provide 2 much detail. Though, Personal 24 hour concierge service: Let us assist you with travel bookings, event & hotel bookings, personal shopping, conference services and more. Please call 1800 639 607. You can get them to do general things for you.
Travis Jones

Travis Jones

4 September 2020
Why doesn't suncorp credit cards have the option to be added to the apple pay service.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    4 September 2020
    Hi Travis, Suncorp cards are issued through Citi. Citi just recently added Apple Pay functionality for their range of cards. I assume that it will come to Suncorp. Though it may be some time before it does. If this is an important feature. Then it may be worth changing to a credit card that is Apple Pay supported. Some cards are listed here - https://www.creditcard.com.au/apple-pay-credit-cards/
Thomas

Thomas

1 July 2020
could you please tell me the amount on my card
Brodie Johnson

Brodie Johnson

20 May 2020
Hi. I am looking at options for a 0% credit card. We will have the money after tax time to pay it off but wanting to know a rough monthly repayment until then. Is there a calculators? Thanks.
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    21 May 2020
    Hi Brodie, the Bendigo Bank low rate is a good 0% on purchase card offer. You always have to make minimum repayments on credit cards. This particular offer would require a 3% monthly repayment. So if you owed $10,000. It would be $300 required to service this amount. What I like about this offer as well. Post the 0% period any unpaid amount reverts to 11.99% rather than the Suncorp that reverts to 21.99% p.a. Though if you can pay it off then this is no problem. With Suncorp you have to pay a minimum of 2.5%. So this would be $250 a month on a $10,000 balance.
samantha

samantha

9 March 2020
what are the rewards and benefits related to the suncorp platinum card?
    Roland B Bleyer - CreditCard.com.au Founder

    Roland

    11 March 2020
    Pros and cons 0% p.a. on purchases and balance transfers for 14 months (reverts to 21.99% p.a.) Suncorp Rewards Program offers earning of up to 1.25 point for every $1 spent Rewards program is compatible with Qantas frequent flyer program 24/7 Personal Concierge Service Complimentary Overseas travel insurance Complimentary interstate flight inconvenience insurance Complimentary Purchase Cover insurance Complimentary Extended Warranty cover Up to $30,000 credit limit if meeting customer criteria Cons Balance transfer rate reverts to the high cash advance rate of 21.99% p.a.) Qantas Frequent Flyer reward point earn rate is 0.5 reward points for every $1 spent and capped earn at $8,000 per statement period

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