Suncorp Bank
Suncorp Bank

Suncorp Clear Options Platinum SPECIAL OFFER! - 0% interest for 14 months on Purchases and 0% p.a. for 14 months on Balance transfers

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
Balance Transfer Rate
0% p.a. for first 14 months
Intro Purchase Rate
0% p.a. for up to 14 months
  • 0% p.a. for 14 months purchases and balance transfer (reverts to cash advance rate thereafter, currently 21.99% p.a.)*
  • Plus $49 annual fee for the first year. Offer ends 31 March 2020.
  • 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
Joining Fee
Annual Fee
Insurance Cover
for Purchases
Overseas ATM
Automatic Travel

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 $49.00
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*
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

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
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. Introductory offers cannot be used in conjunction with any other credit card introductory offers unless otherwise specified. Offers may be extended or withdrawn at any time without notice. 1. 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. 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. For full terms and conditions of the Rewards Programs, please refer to the Suncorp Credit Card Rewards Terms and Conditions. 4. 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, for a period of 14 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 Suncorp Bank Credit Cards. The interest rates are current as at 01/05/2018. Interest free days on purchases do not apply while you have a balance transfer on your account. There is no BT fee applicable to this promotional offer. For important information to consider before taking up a balance transfer, please see our Credit Card FAQs. 5. For applications submitted by 31 March 2020, you will be billed an annual fee of $49 for the first year upon activation of your account. The standard annual fee, currently $129, will be billed each anniversary from card approval in subsequent years. These fees are subject to change. 6. 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. 7. 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. 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, which provides further information on government related transactions in addition to how an Eligible Transaction will be determined. 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. 8. 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. 9. 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 01/05/2018. 10. Exclusive Visa Entertainment Offers supplied by Visa. Visit for details. 11. 0% p.a. will apply to Retail Purchases (excludes Cash Advances) for 14 months from the date your account is approved. New Customers only. Minimum monthly repayments required. At the end of the promotional period, any outstanding Retail Purchase Balance and any new Retail Purchases will attract the variable annual Percentage Rate for Retail Purchases, currently 20.74% p.a. for a Suncorp Clear Options Platinum Credit Card. Interest rates are variable and subject to change. This offer cannot be used in conjunction with any other offer and is not available when closing/transferring from another Suncorp Credit Card. This offer is valid until 31 March 2020. Please note, if this promotion is combined with the 0% p.a. on balance transfers for 14 months promotion, the end dates for each promotion differ. The 0% purchase offer ends 14 months after account approval whilst the 0% balance transfer offer ends 14 months after the balance transfer was processed on your account. If there is a balance transfer ongoing at the end of 0% for 14 months purchases promotional period (i.e. 14 months after card approval), there will be no interest free days on retail purchases whilst there is a balance transfer ongoing. 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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