Subscribe to InfoChoice to receive


Special offers
Exclusive offers
Market data, trends and insights



Subscribe
Suncorp Clear Options Platinum

Suncorp Clear Options Platinum

Purchase Rate
20.74 %
p.a.




Cash Advance Rate 21.99% p.a.
Interest Free Up to 55 days
Annual Fee$129
Balance Transfer Rate 0% p.a.for first 18 months

  • 0% p.a. for 18 months on balances transferred (reverts to cash advance rate of 21.99% thereafter).*
  • 5% cash back on retail purchases for 3 months (up to $250 cash back).**
  • To escape to a well deserved break with complimentary international travel insurance for you and your immediate family.
  • Complimentary Purchase Cover Insurance for lost, stolen or damaged goods.

Card Details

Rewards Program Overseas ATM Availability
Insurance Cover for Purchases Automatic Travel Insurance

Rewards Program

  • Merchandise, vouchers, Virgin Velocity points, Singapore airlines points, travel services, cash back, personalised rewards services
  • Suncorp Qantas Frequent Flyer program - direct earn QFF points to your QFF account (additonal annual fee and Terms and Conditions applies)
Rewards Points per Dollar 1.25 Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* $14,320 Frequent Flyer Ratio 0.5
Spend at Loyalty Partner for $100 Gift Card* SPEND FOR SYD/MEL RETURN* $24,686

Lifetime of Points
Rewards Program Partners
Rewards Bonus Points Partners
Domestic Airlines Qantas, Virgin
International Airlines Singapore Airlines, Emirates
Conditions QFF reward point earn rate is 0.5 pt for every $1 spent. Terms and Conditions available at https://www.suncorp.com.au/banking/help-support/documents-forms.html

Annual Fee $129 Minimum Repayment Greater of 2% or $30
Annual Fee First Year $129 Interest Charged From Purchase Date
Rewards Joining Fee $0 Late Payment Fee $10
Supplementary Card Fee $0    
Duplicate Statement Fee $14 Overseas ATM Balance Fee $0
Transaction Verification Fee Overseas ATM Withdrawal Fee
Over Limit Fee $40 Overseas Emergency Card Replacement Fee $50

Visit the issuer's website for additional information. Go to site

Terms & Conditions
Late Fee - $10 if your Payment Due is not paid by the Payment Due Date and $10 every 7 days thereafter until the Payment Due is made. Terms and conditions, fees and charges apply and are available on request. Existing Suncorp Bank Credit Cardholders are not eligible to apply for introductory offers. Offers end 1/1/2018, offers may be extended. 1. Your total balance transfers may not exceed 80% of your credit limit. The 0% p.a. interest rate applies to balances transferred with this offer at point of application, for a period of 18 months from the date the balance transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the Annual Percentage Rate for Cash Advances, currently 21.99% p.a. for the Suncorp Clear Options Platinum card. Interest rates are variable and subject to change. The 0% p.a. balance transfer interest rate will not be valid for transfers from other Citigroup or Suncorp Bank Credit Cards. The interest rates are current as at 01/05/2017. 2. 5% cashback can be earned on all Eligible Transactions, made in Australia and internationally for 3 months from account approval, up to a total of $250 cashback (total $5000 spend). To qualify for the cash back, the Eligible Transactions can be made by both the primary and additional card holders. Eligible Transaction is defined in the Rewards Program Terms and Conditions and means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travelers 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. For further information, please view the full definition of Eligible Transactions . (link to variation notice - https://www.suncorp.com.au/content/dam/suncorp/bank/documents/personal/credit-cards/important-changes-to-rewards-terms-and-conditions-and-rewards-program.pdf). Charge backs, refunds or fraudulent transactions are not eligible to receive cash back. Cash back will be credited to the approved accounts within 10 weeks after the eligible purchases have been made. 3. The maximum 55 days interest free period applies when you pay your balance off in full (including any balance transfer amounts) for two consecutive months. If you carry a balance on your credit card from month to month, the 55 days interest free period does not apply and you are charged interest from the purchase date. No interest free period is available on cash advances or balance transfers. 4. All Rewards are subject to the Terms and Conditions of the Suncorp Rewards Program. Cash advances, balance transfers and certain other transactions set out under the definition of Eligible Transaction in the credit card Rewards Terms and Conditions (links to - https://www.suncorp.com.au/content/dam/suncorp/bank/documents/personal/credit-cards/rewards-qantas-frequent-flyer-terms-conditions.pdf) do not earn Reward points. 5. Rewards Points earn rates differ depending on which rewards program you are enrolled in. Customers receive 0.5 Qantas Frequent Flyer points for every $1 spent (capped at $8,000 per statement period). Certain transactions do not earn Reward points, the definition of Eligible Transaction is defined in the Rewards Program Terms and Conditions and means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travelers 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. For further information, please view the full definition of Eligible Transactions. (link to variation notice - https://www.suncorp.com.au/content/dam/suncorp/bank/documents/personal/credit-cards/important-changes-to-rewards-terms-and-conditions-and-rewards-program.pdf) Terms and Conditions of Suncorp Bank Qantas Frequent Flyer Rewards Program apply. The Suncorp Clear Options primary cardholder must be a member of the Qantas Frequent Flyer program to earn Qantas Frequent Flyer points. A joining fee applies. Only Qantas Frequent Flyer points can be earned in Suncorp Bank Qantas Frequent Flyer Rewards Program and are subject to the terms and conditions of the Qantas Frequent Flyer Rewards Program. You can only be enrolled in one rewards program. 6. Complimentary Insurance is issued and managed by AGA Assistance Australia Pty Limited (trading as Allianz Global Assistance) (AFSL No.245631 ABN 52 097 227 177), 74 High Street, Toowong QLD 4066 on behalf of the insurer Allianz Australia Insurance Limited (AFSL No. 234708 ABN 15 000 122 850), 2 Market Street, Sydney NSW 2000, and is subject to terms, conditions, and exclusions, some limits and excess may apply. See Terms and Conditions at https://www.suncorp.com.au/banking/help-support/documents-forms.html. International Transaction Fee: We charge you an international transaction fee of 3.4%, of which a 1% service and assessment fee is payable by us to Visa, for any retail purchase or cash advance transaction in; foreign currency, once converted to Australian dollars; and/or Australian dollars (or any other currency), when either the merchant or its financial institution/payment processor is located overseas. Note: It may not always be clear that the merchant or its financial institution/payment processor is located outside Australia.


* For cards with reward programs that allow you to earn points, unless otherwise noted, the best case scenario of everyday spending is used when calculating the spend required to earn a reward. Everyday spending does not include bonus points that may be earned by shopping with loyalty partners. For rewards programs that have monthly caps, we assume you stay under that cap and for products with two cards, we assume spending is with the highest earning card. For programs that allow you to convert points for air travel at a price that changes from day to day, we have assumed that the flight is $300 (taxes and charges inclusive).

Visa® is a registered trademark of Visa International Services Association.
The MasterCard® brand is a registered trademark of MasterCard International Incorporated.

Find out more



Twitter Facebook

© InfoChoice Pty Ltd ABN 93 061 105 735 AFSL and Australian Credit Licence number 349445

Although we cover a range of products, providers and services we don't cover every product, provider or service available in the market. The information and products contained on this website do not constitute recommendations or suggestions to purchase or apply for any particular product. Products included on this site may not suit your personal objectives, financial situation or needs. Please consider whether it is appropriate for your circumstances, before making a decision to purchase or apply for any product. If you are considering acquiring any financial product you should obtain and read the relevant Product Disclosure Statement or other offer document prior to making an investment decision.

Go to top