Suncorp Clear Options Standard Credit Card | Reviews

Suncorp Clear Options Standard Credit Card

Offer
Card features
balance transfer
purchase rate
annual fee
Apply
Suncorp Clear Options Standard Credit Card
Apply by 31 mar 19
14 reviews
Suncorp Clear Options Standard Credit Card
0% p.a. on balance transfers for 14 months.
Low 12.74% p.a. interest rate on purchases.
10% cashback on Eligible Purchases made by both the Primary or Additional Cardholders in the first 6 months (up to $150).
Add to comparison
14 months
0% p.a.
then 21.99%
with a 0% fee
12.74% p.a.
ongoing
$55
ongoing

Pros & cons

What's good?

What's not so good?

0% p.a. on balance transfers for 14 months.
No balance transfer fee.
10% cashback on Eligible Purchases made by both the Primary or Additional Cardholders in the first 6 months (up to $150).
The 12.74% p.a. ongoing interest rate charged on purchases is cheap.
Low $55 p.a. annual fee.
Add up to 4 additional card holders for no extra cost.
Get a credit limits from a minimum of $2,000 to a maximum of $20,000.
Security protection with FRAUDSHIELD®.
Samsung Pay enabled.
Visa payWave enabled.
No interest free days on purchases.
The $0 fee charged for exceeding your maximum credit limit is quite high by comparison.
Disclaimer: Reviews rely upon third party information that may not be correct or may be changed without Credit Card Compare’s knowledge. You must carefully consider your own circumstances before making any commitments and confirm all offers and terms with credit card providers before accepting them. Please refer to our T&Cs for more.

User reviews

3.9 out of 5.0 based on 14 reviews86% of reviewers would recommend this card

Rates and fees
Rewards
Customer service
Convenience
Trust

Reviews from users

Lacking a rewards program

Reviewed and recommended by Sarah on 08 Jan 2017

Whilst I find the Suncorp Clear Options card great as it has a low interest rate and annual fee, it has no rewards program available. To reap the rewards of such a program you need to upgrade to a different card, where the interest rates and annual fee are higher. I think it would be worth looking into a smaller rewards program as an option for this card, so hopefully Suncorp might explore that option in the future.

Good, easy rewards program and great service

Reviewed and recommended by Andrea on 17 Dec 2016

Overall, Suncorp credit cards are OK. The rewards program is good to redeem your accumulated points and easy to use.

The card itself is convenient to use — Tap and Go is great.

Like all banks, the interest rate is high, but overall I am happy with the service Suncorp provide. They have great customer service on suspected scamming and replace your card for free. Customer service staff are friendly and helpful.

This card saw me through and I trust Suncorp

Reviewed and recommended by Donovan on 10 Nov 2016

I received this card when I was a student going through the tertiary education system. I needed the ability to buy groceries and afford a car and rental payments long-term, and due to heavy workloads, this card saw me through.

The customer service reps were able to help me with any problems I encountered and I was able to trust the Suncorp model.

Terrible customer service

Reviewed and not recommended by Steve on 22 Sep 2016

I get absolutely no benefits at all from this card. The brand’s customer service is terrible. They simply do not understand about customer service at all.

I have put two complaints in to the Financial Services Ombudsman about the card. I won the first one, the other’s ongoing. Wish me luck!

Great service

Reviewed and recommended by Jason on 19 Aug 2016

I am quite happy with this card. It may not be the best interest rate in the world, but I take advantage of the interest-free period and ensure it is paid off each month. Suncorp also has great service, not that I have ever had an issue with it. However, be aware, if you change your address on a Suncorp Bank account, it does not automatically update on your credit card and you have to specifically request that.

Value for money

Reviewed and recommended by Karan on 03 Jul 2016

I have always been very happy with Suncorp as a credit card issuer. They have always been upfront, understanding, and honest. I like that they reward loyal customers with decent rewards and they allow you to choose your rewards from a list. Card replacements for lost cards are always done quickly.

I saved a lot of money with this card

Reviewed and recommended by Jeya on 24 Jun 2016

I can finally see my payment reducing and feel like I am paying it off instead of being slammed with interest and late payments. It’s helping me get on top of my debts during a crucial time. Even if I am late by a day or so, customer services are not demanding, but instead they remind me of the missed payment.

Superior customer service

Reviewed and recommended by Brett Harris on 05 Sep 2015

Fantastic to deal with. The service is incredible and security is on the ball. Keep up the great work, Suncorp, especially the Longreach Branch. Quick and easy customer service via phone and at the local branch. You get to be addressed by your first name and not treated like a number, you are treated like an actual person.

Convenient and easy way to pay

Reviewed and not recommended by Chuen-Tat Kang on 18 Jun 2015

My Suncorp Bank credit card is easy to use and very convenient to pay bills. This is my second card. It can be used as alternative to my first credit card from HSBC whenever needed.

Great card for everyday use

Reviewed and recommended by Smith on 21 Oct 2014

This card is great to use for everyday purchases. The service at the bank when initially applying for the card was above and beyond, which was wonderful. I use this card for all my grocery shopping, and I also use it to shop online. I have never had a problem using the card at all. It has very good interest rates and fees, which are competitive with other banks.

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Disclaimer: The opinions expressed about credit cards are the reviewer's alone, and do not reflect the views of Credit Card Compare or the credit card issuer. Reviews have not been approved or otherwise endorsed by Credit Card Compare.

The basics

About this card

Card setup
Single
Card tier
Standard
Card type
Visa
Card use
Personal
Credit rating
Good
Gambling transactions allowed
No
Joint application
No
Minimum age
18 years old
Minimum income
$20,000
Minimum income for pensioners
Same as standard
Pensioners
Rewards program
None
Temporary residents
N/A

Cardholders

Additional cardholders
4
Additional card fee
$0 p.a.

Credit limits

Minimum credit limit
$2,000
Maximum credit limit
$20,000

Repayments

Interest charged from
Purchase date
Interest free period
Up to 0 days on purchases
Minimum repayment
2.5%

Balance transfers

The offer

Interest ratePeriodFeeLimitRevert rate
Balance transfers0% p.a.14 months0%80% of credit limit21.99% p.a.

Balance transfers to this card

Balance transfer earns rewards
No
Balance transfer fee payment due
First statement
Balance transfer from personal loan
No
Balance transfer processing time
10 - 14 days
Interest free days with unpaid balance
0 days
Maximum balance transfer
80% of credit limit
Available to existing customers
No

Banks you can't balance transfer from

You can't balance transfer to the Suncorp Clear Options Standard Credit Card at the promotional balance transfer rate from:

  • Bank of Queensland
  • Beyond Bank
  • Citi
  • Family First Credit Union
  • FCCS Credit Union
  • IMB
  • MyState Financial
  • Suncorp

Rates & fees

Promotional interest rates

Interest ratePeriodFeeLimitRevert rate
Balance transfers0% p.a.14 months0%80% of credit limit 21.99% p.a.
PurchasesN/AN/AN/AN/A N/A

Ongoing interest rates

MonthlyAnnually
Cash advances 1.83% 21.99% p.a.
Purchases 1.06% 12.74% p.a.

Fees

Annual fee
$55 p.a.
Cash advance fee
3.5%
Dishonour fee
$15
Duplicate statement fee
$14
Foreign exchange fee
3.4%
Late payment fee
$10
Over limit fee
$0
Overseas ATM balance fee
N/A
Overseas ATM withdrawal fee
$1.50
Overseas emergency card replacement fee
$50.00
Transaction verification fee
N/A

Minimum criteria for this card

What you need before applying

Be over 18 years old
You are a resident or citizen of Australia
Earn a regular income of more than $20,000 per year
Have a good credit history
You have your personal details ready to complete the online application
Have not applied for multiple credit cards recently
Age Pension, Disability Pension, Overseas Pension, Veteran's Pension and Widower's Pension are acceptable.
Austudy, Carer's Allowance, Child Support Payments, Family Tax Benefits and Parenting Payments and Foster Care Allowance are acceptable.
Joint applications are not allowed
Youth Allowance is not acceptable.
Disclaimer: The minimum criteria are intended only to be a guide. Your application may still be rejected by the bank even if you can answer 'Yes' to all the minimum criteria. The final decision regarding your application is up to the bank.

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