• 40,000 bonus reward points for signing up.
• Enjoy the freedom and luxury of higher levels of credit, exclusive privileges and an extensive choice of rewards.
• Personal 24 Hour Concierge Services.
• Complimentary Rewards Program with points that never expire and earn 1 Reward point for every $1 spent.
• The option of earning Qantas Frequent Flyer points with ability to earn 2 Qantas Frequent Flyer points for every $3 spent.
• Complimentary International Travel Insurance.
• Suncorp Take Flight and ability to redeem Rewards points for Take Flight Cashback, Travel Vouchers and other nominated travel.
• Complimentary Transit Accident Insurance5 and Emergency Travel Assistance and Purchase Cover Insurance for lost, stolen or damaged goods.
• Generous credit limit of up to $30,000.
• Privileges and special offers with exclusive tickets to theatre, dance, musicals, sporting events, dinner and travel packages, sightseeing tours and more.

How does the Suncorp Platinum Credit Card compare for rates and fees against an average credit card? Based on the data from our website this credit card comparison scorecard shows:

		Purchase Rate	Cash Adv Rate	Annual Fee	Bal. Transfer Rate	Bal. Transfer Rate Period
	Suncorp Platinum Credit Card	20.49%	20.74%	$205	-%	- months
	The Average Credit Card	17.15%	21.03%	$96	2.86%	7 months

The Suncorp Platinum credit card is a good option for customers who like their credit cards with plenty of extras on top of good interest rates and enticing introductory offers. The card is not the cheapest on the market, but the benefits that come with it more than make up for the slightly higher rates that apply.

Pros

The Suncorp Platinum credit card is a very reasonable deal when it comes to balance transfers. Many customers these days manage their debt by switching to different credit cards as they pay off their debt to take advantage of lower interest rates along the way, and this card is a good one for that strategy. The – balance transfer rate for this card is not the lowest on the market, but is still very affordable. The reason the rate is slightly higher than others, however, is because this card comes with an extremely generous credit limit.

So, for customers with larger debt, this, proportionally, presents a very good deal. Customers can use this card to consolidate their existing debt into one manageable, simple and low monthly repayment, helping to keep finances under control and easy to understand. The balance transfer rate is held at the introductory rate for the life of the balance transferred, meaning that there will not be any nasty hikes in interest repayments later down the line. This is a great feature for customers who are tired of shifting debt from one card to the next every few years.

Aside from the balance transfer option, the card comes with plenty of other benefits. For frequent travellers, the Suncorp Platinum card offers a personal concierge service, which provides the customer with information and assistance, twenty four hours a day, seven days a week, anywhere in the world. This can be a real blessing for those who travel internationally for their work, or enjoy regular holidays. In fact, the card is linked to the Qantas Frequent Flyer programme, so for those customers who are always jetting off somewhere, the card can be a real money-saver.

To help finish off the travel benefits, the card comes with free international travel insurance for the customer and immediate family, helping to provide peace of mind. There are also various gift certificates, vouchers and merchandise rewards available with the card, which can be chosen according to preference.

Cons

Every card comes with advantages and disadvantages, and this one is no exception, so for some customers, this is not the perfect credit card. The standard 20.49% p.a. purchase rate is not the cheapest on the market, so for customers looking for a card they can simply use for regular purchases and day-to-day use, it is not the best possible deal. Having said that, the standard interest rate is not eye-wateringly high, so the card might be suitable for balance transfers in the main but with the occasional purchase too.

Conclusion

This is a card suitable for a customer with a good credit history, who is looking to access a card that offers generous credit limits and plenty of extras, freebies and rewards for their custom. Particularly suited to travellers, the card is a great way to manage higher debts into a consolidated monthly outgoing, but has a middle-of-the-range standard interest rate, so it can be used for some purchases as well if necessary.

If that sounds like just what you are looking for, why not complete a quick and easy application process and see if the offer of the card is available to you now?