Suncorp Clear Options Gold Credit Card

On website

Suncorp Clear Options Gold Credit Card

Balance transfer

N/A

Purchase rate

20.74% p.a. ongoing

Annual fee

$129.00 p.a. ongoing

Highlights

  • Earn 1 Suncorp Rewards point per $1 spent on eligible transactions, up to $1,500 per statement period; thereafter, 0.5 points per $1.
  • Redeem earned points for vouchers, cashback, or transfer to airline partners.
  • Add up to four additional cardholders at no extra cost.

Pros and cons

Pros

  • Earn 1 Suncorp Rewards point per $1 spent on eligible transactions.
  • Choice of airline transfer partners makes finding a rewards seat on your preferred travel dates easier.
  • Comes with a complimentary purchase cover on personal purchases and a guaranteed pricing scheme.
  • Get up to 55 interest-free days on retail purchases.
  • Access exclusive pre-sales, offers, and competitions with Visa Entertainment.

Cons

  • No sign up bonus for new customers.
  • Suncorp Rewards points do not convert to frequent flyer points at 1:1.
  • The ongoing purchase rate is at 20.5% p.a.
  • $40 over-limit fee.
  • 3.4% fee on international transactions.

About this credit card

Basics

Card usage

Apple Pay Enabled
Yes
Card Type
Visa
Gambling Transactions Allowed
No
Samsung Pay Enabled
Yes

Eligibility

Joint Application Accepted
No
Minimum Age
18 years
Minimum Credit Rating
Good, Very Good, Excellent
Minimum Income
$30,000.00
Temporary Residents Accepted
No

Additional cardholders

Additional Cardholders
4
Additional Card Fee Ongoing
$0.00

Credit limits

Minimum Credit Limit
$5,000.00
Maximum Credit Limit
$25,000.00

Repayments

Interest Charged From
Purchase date
Interest Free Period
Up to 55 days on purchases
Minimum Repayment Percentage
2%

Balance transfers

Balance transfer offer

Balance Transfer Rate
N/A
Balance Transfer Period
N/A
Balance Transfer Fee Percentage
N/A

Balance transfer conditions

Balance Transfer From Personal Loan
N/A
Balance Transfer Limit Percentage
N/A
Balance Transfer Revert Rate
N/A

Rates, fees, charges

Cash advances

Cash Advance Rate
21.99% p.a.
Cash Advance Fee
$3.50
Cash Advance Fee Percentage
3.5%
Cash Advance Fee Threshold
N/A

Purchases

Purchase Rate Introductory Offer
N/A
Purchase Rate Introductory Period
N/A
Purchase Rate Ongoing
20.74% p.a.

Account fees

Annual Fee Initial Year
N/A
Annual Fee Ongoing
$129.00
Dishonour Fee
$15.00
Duplicate Statement Fee
$14.00
Foreign Exchange Fee Percentage
3.4%
Late Payment Fee
$30.00

Rewards

Rewards program basics

Rewards Program
Suncorp Rewards
Rewards Program Annual Fee Initial Year
N/A
Rewards Points Expiry
N/A

Rewards points per $1 spent

Domestic Rewards Points Earn Rate
1
Government Rewards Points Earn Rate
N/A
Overseas Rewards Points Earn Rate
1

Additional perks

Insurance

Cardholder's Domestic Hotel Burglary Insurance
No
Cardholder's Extended Warranty Insurance
Yes
Cardholder's International Travel Insurance
No
Cardholder's Interstate Flight Inconvenience
No
Cardholder's Personal Item Theft Cover
No
Cardholder's Price Protection Insurance
No
Cardholder's Purchase Protection Insurance
Yes
Cardholder's Refund Protection
No
Cardholder's Transport Accident Insurance
No

Travel and lifestyle

Airport Lounge Access Included
No
Concierge Service Included
No
Complimentary Flight Voucher Included
No
Complimentary QFF Membership Included
N/A

Our review

Convenience

Customer service

Rates and fees

Rewards

Trust

account

Reviewed by Credit Card Compare Staff

History

    User reviews

    Convenience

    Customer service

    Rates and fees

    Rewards

    Trust

    Easy to use and never had a problem with it

    Reviewed by Anon

    Great rewards program

    Reviewed by Jaz

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