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Suncorp Clear Options Standard Credit Card Pros
Low standard purchase rate
Low annual credit card fee
10% cashback on eligible purchases in the first 6 months (up to $150)
Cons
Cash advance rate of 21.99% p.a.
No interest free days on purchases
The Suncorp Clear Options Standard credit card is a great value low rate card. As a cardholder, you can take advantage of 0% p.a. for the first 14 months on balance transfers (reverts to cash advance rate thereafter, currently 21.99% p.a.). The card comes with a $55 annual fee and you can add up to four additional cardholders for no extra cost. Receive 10% cashback on eligible purchases made by both the primary or additional cardholders in the first 6 months (up to $150).
Suncorp is very good to be with, If you have a banking package with them (a few accounts), you avoid the annual fee and have other lerks and perks, Been with them for a couple of years now, Fantastic bunch :) Cheers
Recommends this card
Good low interest rates. Cheap annual fee. Not too high credit limits but enough. Good customer service as Iâ??ve seen so far. Not really much else to say on the card, but what else do you need?
Recommends this card
| Interest Rates | |
| Purchase rate | 12.74% p.a. |
| Cash advance rate | 21.99% p.a. |
| Interest free on purchases | up to 0 days |
| Balance Transfer | |
| Balance transfer rate | 0% p.a. for 14 months |
| Balance transfer fee | No fee |
| Balance transfer revert rate | 21.99% p.a. |
| Balance transfer limit | 80% of your approved new credit limit |
| Balance transfer from personal loan | No |
| Banks you can't balance transfer from | Bank of Queensland ,Citi ,Coles ,IMB ,Qantas Money ,Suncorp ,Virgin Money |
| Credit limits | |
| Minimum credit limit | $2,000 |
| Maximum credit limit | $20,000 |
| Fees & repayments | |
| Annual fee | $55 p.a. |
| Additional cardholder fee | Up to 4 at no extra cost |
| Cash advance fee | 3.5% |
| Foreign transaction fee | 3.40% |
| Minimum repayment | 2.5% |
| Late payment fee | $10 |
| Credit card type | Visa |
| Complimentary insurance | |
| Flight inconvenience insurance | No |
| Transport accident cover | No |
| Smartphone screen insurance | No |
| Purchase protection insurance | No |
| Extended warranty insurance | No |
| Rental vehicle excess cover | No |
| Extras | |
| 10% cashback on eligible spend in first 6 months (up to $150) | |
| Eligible with Samsung Pay |
With the Suncorp Clear Options Standard Credit Card, new cardholders can take advantage of 0% p.a. on balance transfers for 14 months, with 10% cashback also available on all eligible purchases in the first six months. The card also features a reasonable annual fee, with up to four additional cardholders at no extra cost, and a low purchase rate.
One of the things you will likely notice on the Suncorp Clear Options Standard Credit Card is its introductory offers. Coming in two parts, the card currently offers a balance transfer deal and a cashback offer to new cardholders. So, are these intro offers right for you?
First up, balance transfers. With a balance transfer offer, you could transfer your existing credit card balance onto the Suncorp Clear Options Standard Credit Card to take advantage of 0% p.a. on that balance for 14 months. This gives you a nice long time to chip away at your debt, paying down more of what you owe as you pay no interest on the transferred balance.
Things to note on this offer. First up, there is no balance transfer fee to worry about. Secondly, you may transfer up to 80% of your approved credit limit. Lastly, any unpaid transferred balance will revert to the card’s cash advance rate at the end of the intro period. This rate is not low, so leaving a balance on the card is not a great idea.
Now to the cashback offer. Signing up for this card provides cardholders with access to 10% cashback on eligible purchases for the first six months. This cashback accumulates on both the primary and additional cardholders’ spending, up to a maximum of $150. It is then credited to the relevant cardholder’s account within 6-8 weeks.
As for ongoing costs, the card has a reasonable annual fee. However, you can add up to four additional cardholders to the account, which could provide more value, while also helping you streamline your family finances. The card features a low purchase rate, which could help cardholders keep costs down when they carry a balance.
One of the most important things to note on the Suncorp Clear Options Standard Credit Card is the fact that is has no interest free days on retail purchases. That means you will pay interest on every purchase from the day you make it.
While this will not affect cardholders who carry a balance (as interest free days do not apply when a balance is carried over), for those who do clear their balance each month, those interest charges could be annoying. Think about how much value the cashback offer provides when paying out interest on your spending, and weigh up the pros and cons.
If you are looking for a basic card with a low purchase rate, the Suncorp Clear Options Standard Credit Card could be worth a closer look. Suiting cardholders who tend to carry a balance, it could help keep interest costs down, when compared to a card with a higher rate.
Features are simple on this card, which may appeal to cardholders who prefer a no frills option. However, the card does offer the basics, with 24/7 customer service and lost card replacement within 24 hours in Australia, worldwide acceptance through the Visa network, and access to Visa payWave, Visa Entertainment and Samsung Pay.
The Suncorp Clear Options Standard Credit Card has a reasonable annual fee and a low purchase rate, currently offering 0% p.a. on balance transfers for 14 months and 10% cashback on eligible spending for six months.
With the Suncorp Clear Options Standard Credit Card, new cardholders can take advantage of 0% p.a. on balance transfers for 14 months, with 10% cashback also available on all eligible purchases in the first six months. The card also features a reasonable annual fee, with up to four additional cardholders at no extra cost, and a low purchase rate.
One of the things you will likely notice on the Suncorp Clear Options Standard Credit Card is its introductory offers. Coming in two parts, the card currently offers a balance transfer deal and a cashback offer to new cardholders. So, are these intro offers right for you?
First up, balance transfers. With a balance transfer offer, you could transfer your existing credit card balance onto the Suncorp Clear Options Standard Credit Card to take advantage of 0% p.a. on that balance for 14 months. This gives you a nice long time to chip away at your debt, paying down more of what you owe as you pay no interest on the transferred balance.
Things to note on this offer. First up, there is no balance transfer fee to worry about. Secondly, you may transfer up to 80% of your approved credit limit. Lastly, any unpaid transferred balance will revert to the card’s cash advance rate at the end of the intro period. This rate is not low, so leaving a balance on the card is not a great idea.
Now to the cashback offer. Signing up for this card provides cardholders with access to 10% cashback on eligible purchases for the first six months. This cashback accumulates on both the primary and additional cardholders’ spending, up to a maximum of $150. It is then credited to the relevant cardholder’s account within 6-8 weeks.
As for ongoing costs, the card has a reasonable annual fee. However, you can add up to four additional cardholders to the account, which could provide more value, while also helping you streamline your family finances. The card features a low purchase rate, which could help cardholders keep costs down when they carry a balance.
One of the most important things to note on the Suncorp Clear Options Standard Credit Card is the fact that is has no interest free days on retail purchases. That means you will pay interest on every purchase from the day you make it.
While this will not affect cardholders who carry a balance (as interest free days do not apply when a balance is carried over), for those who do clear their balance each month, those interest charges could be annoying. Think about how much value the cashback offer provides when paying out interest on your spending, and weigh up the pros and cons.
If you are looking for a basic card with a low purchase rate, the Suncorp Clear Options Standard Credit Card could be worth a closer look. Suiting cardholders who tend to carry a balance, it could help keep interest costs down, when compared to a card with a higher rate.
Features are simple on this card, which may appeal to cardholders who prefer a no frills option. However, the card does offer the basics, with 24/7 customer service and lost card replacement within 24 hours in Australia, worldwide acceptance through the Visa network, and access to Visa payWave, Visa Entertainment and Samsung Pay.
The Suncorp Clear Options Standard Credit Card has a reasonable annual fee and a low purchase rate, currently offering 0% p.a. on balance transfers for 14 months and 10% cashback on eligible spending for six months.
Suncorp Clear Options Standard Credit CardSuncorp is very good to be with, If you have a banking package with them (a few accounts), you avoid the annual fee and have other lerks and perks, Been with them for a couple of years now, Fantastic bunch :) Cheers
Recommends this cardGood low interest rates. Cheap annual fee. Not too high credit limits but enough. Good customer service as Iâ??ve seen so far. Not really much else to say on the card, but what else do you need?
Recommends this cardTo be honest, I didnt know much about Suncorp before, but when I was looking over this site I saw the deal on this credit card. I did a bit of research online and found out more about the bank, and then applied for the card. Its been great so far with a decent annual fee, and the interest is pretty reasonable as well. Have to say, I was pleasantly surprised.
Recommends this cardPurchase rate 12.74% p.a.
Cash advance rate 21.99% p.a.
Interest free on purchases up to 0 days
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
Banks you can't balance transfer from Bank of Queensland, Citi, Coles, IMB, Qantas Money, Suncorp, Virgin Money
Minimum credit limt $2,000
Maximum credit limit $20,000
Annual fee $55 p.a.
Additional card holder fee Up to 4 at no extra cost
Foreign transaction fee 3.40%
Minimum repayment 2.5%
Cash advance fee 3.5%
Late payment fee $10
Overseas travel insurance No
Flight inconvenience insurance No
Transport accident cover No
Smartphone screen insurance No
Purchase protection insurance No
Extended warranty insurance No
Rental vehicle excess cover No
10% cashback on eligible spend in first 6 months (up to $150)
Eligible with Samsung Pay
The Suncorp Clear Options Standard credit card is a great value low rate card. As a cardholder, you can take advantage of 0% p.a. for the first 14 months on balance transfers (reverts to cash advance rate thereafter, currently 21.99% p.a.). The card comes with a $55 annual fee and you can add up to four additional cardholders for no extra cost. Receive 10% cashback on eligible purchases made by both the primary or additional cardholders in the first 6 months (up to $150).
Be over 18 years old
Good Credit and have not applied for multiple credit cards recently
Resident or citizen of Australia
You have your personal details ready to complete the online application
Roland B Bleyer founded Creditcard.com.au in 2005 and has extensive knowledge about credit cards. He personally answers all questions and write the editor reviews for each card here. Always keen to share his passion to educate consumers and help you select better suited credit cards.
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Apply by 31 Aug 19
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