Suncorp Bank
Suncorp Bank

Suncorp Clear Options Platinum

Purchase Rate
20.74% p.a.
Cash Advance Rate
21.99% p.a.
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Interest Free
Up to 55 days
Annual Fee
$129.00
  • Receive 50,000 bonus Suncorp Credit Card Rewards Points when you spend $3,000 on Eligible Transactions in the first 90 days from approval.
  • Apply by 28 February 2021.
  • 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.

Key Features
Rewards Program
Rewards
Joining Fee
$0.00
Annual Fee
$129.00
Insurance Cover
for Purchases
Overseas ATM
Availability
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)

Fee & Repayments

Annual Fee $129.00
Annual Fee First Year $129.00
Rewards Joining Fee $0.00
Supplementary Card Fee $0.00
Minimum Repayment Greater of 2% or $30.00
Interest Charged From PurchaseDate
Late Payment Fee $10.00

Rewards Program

Rewards Points per Dollar 1.25
Linked to Frequent Flyer
Spend to Redeem $100 Gift Card* $14,320.00
Frequent Flyer Ratio 0.5
Spend at Loyalty Partner for $100 Gift Card*
SPEND FOR SYD/MEL RETURN* $24,686.00
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

Other Charges

Duplicate Statement Fee $14.00
Overseas ATM Balance Fee $0.00
Transaction Verification Fee -
Overseas ATM Withdrawal Fee $0.00
Over Limit Fee $40.00
Overseas Emergency Card Replacement Fee $50.00
Terms & Conditions
1. To earn 50,000 bonus Suncorp Credit Card Rewards Points, you must apply for a Suncorp Clear Options Platinum Credit Card by 28 February 2021, then spend $3,000 or more on Eligible Transactions within 90 days from approval. An Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and traveller 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. Please refer to the full definition of Eligible Transactions which is set out on page 3 of the Rewards Program terms and conditions, for further information on government related transactions in addition to how an Eligible Transaction will be determined. The bonus Suncorp Credit Card Rewards Points will be credited to your Rewards Balance within 6-8 weeks from meeting the spend hurdle providing your Account is open and in good standing. All rewards are subject to the Terms and Conditions of the Suncorp Credit Card Rewards Program terms and conditions. Please note that if you have a transferred balance, you will be charged interest on any spend that you make. This offer is valid until 28 February 2021. Post this advertised date, we reserve the right to continue, withdraw or change the offer at any time without notice. Please note, introductory credit card offers are not available in conjunction with a Home Package Plus package. Should you choose to take up an introductory offer an Annual Card fee will apply. 2. Actual Credit Limit will be assigned based on Citigroup’s Credit Criteria, your credit rating and subject to confirmation that you earn a minimum of $35,000 p.a. for the Suncorp Clear Options Platinum Visa card. 3. All rewards are subject to the Terms and Conditions of the Suncorp Bank Rewards Program. An Eligible Transaction means any purchase excluding (but not limited to) 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. Please refer to the full definition of Eligible Transactions which is set out on page 3 of the Rewards Program terms and conditions for further information on government related transactions in addition to how an Eligible Transaction will be determined. [Suncorp Credit Card Qantas Frequent Flyer]: The Suncorp Clear Options Platinum Credit Card primary cardholder must be a member of the Qantas Frequent Flyer Program to earn Qantas Frequent Flyer points. A joining fee applies. Membership is subject to Qantas Frequent Flyer Program terms and conditions. Only Qantas Frequent Flyer points can be earned in Suncorp Credit Card Qantas Frequent Flyer program and are subject to the terms and conditions of the Qantas Frequent Flyer Program. 4. Complimentary insurance covers: Terms, limitations, conditions and exclusions apply. Refer to the Complimentary Insurance Description of Insurance Cover for further insurance. AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to Citigroup Pty Limited ABN 88 004 325 080 AFSL and Australian credit licence 238098 (Citigroup) which allows eligible Citigroup account holders and cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, limits and exclusions of the group policy are set out in the Description of Insurance Cover Terms and Conditions which may be amended from time to time. Citigroup does not guarantee this insurance. 5. For full terms and conditions of the Rewards Programs, please refer to the Suncorp Credit Card Rewards Terms and Conditions. 6. Visa Entertainment Offers supplied by Visa. Visit www.visaentertainment.com.au for details. 7. The Annual Percentage Rate for cash advances for the Suncorp Clear Options Platinum card is currently 21.99% p.a. The Annual Percentage Rate for purchases is currently 20.74% p.a. Interest rates are variable and subject to change. Interest rates current as at 01/04/2020. 8. The interest free period applies when you pay your full closing balance from your last statement of account by the payment due date (excluding any fixed payment option balance which isn’t due for payment by that payment due date). No interest free period is available on cash advances or balance transfers. Whilst you have a balance transfer you will be charged interest on your daily unpaid balance. 9. 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. Citigroup Pty Limited ABN 88 004 325 080, AFSL No. 238098, Australian Credit Licence No. 238098 (Citigroup) is the credit provider and issuer of Suncorp Clear Options Credit Cards. Suncorp-Metway Ltd ABN 66 010 831 722, Australian Credit Licence No. 229882 (Suncorp Bank) promotes and distributes Suncorp Clear Options Credit Cards on Citigroup’s behalf under an agreement with Citigroup. Suncorp Bank will not guarantee or otherwise support Citigroup’s obligations under the contracts or agreements connected with the Credit Cards (other than those relating to Suncorp Bank internet banking and telephone banking). Suncorp Bank has not assisted you to make this application and does not suggest you apply for any particular Suncorp Clear Options Credit Card type. Citigroup, not Suncorp Bank, will be assessing your application.

* 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).

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