- Receive 140,000 bonus Suncorp Rewards Points when you spend $4,500 on eligible transactions in the first 90 days from approval
- Suncorp Rewards Program offers earning of up to 1.25 point for every $1 spent
- Rewards program is compatible with Qantas frequent flyer program
- 24/7 Personal Concierge Service
- Complimentary Overseas Travel insurance
- Complimentary Interstate Flight Inconvenience insurance
- Complimentary Purchase Cover insurance
- Complimentary Extended Warranty cover
- Up to four additional cardholders for no extra cost
- Up to $30,000 credit limit if meeting customer criteria
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Suncorp Credit Cards
Suncorp Clear Options Platinum Credit Card
Updated 19 September 2024
Enjoy 140,000 bonus Suncorp Credit Card Rewards Points when you apply and spend $4,500 on eligible transactions in the first 90 days from approval. Earn 1.25 Suncorp Bank Credit Card Rewards Points per $1 spent on eligible transactions. Complimentary insurances.
T&Cs apply.
Points Earn Rate (per $1 spent)
1.25 points
RewardsRewards Program
Suncorp Rewards
Bonus Points
140,000 pts
Spend $4,500 in the first 90 days
Pros and cons
- Qantas Frequent Flyer reward point earn rate is 0.5 reward points for every $1 spent and capped earn at $8,000 per statement period
Creditcard.com.au review
Editor Review
Suncorp Clear Options Platinum Credit Card
Pauline Hatch
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Ask Pauline a Question about this card.
The Suncorp Clear Options Platinum Credit Card
Looking for some nice, clear options when choosing your next credit card? How about the Suncorp Clear Options Platinum Credit Card? Okay, bad joke. Seriously though, this is a pretty decent card, with pretty decent intro offers on the table.
Yep, with this card, you can enjoy 140,000 bonus Suncorp Credit Card Rewards Points when you spend $4,500 on eligible transactions in the first 90 days from approval, and a reduced first year annual fee. Not bad at all.
The chunk of bonus points this card offers can be redeemed for flights, accommodation, and exciting products at partner stores, making it a suitable option if you are planning to go on a trip or simply looking to boost your points balance.
This card also offers a very workable rewards program and some very nice features. Want to find out more? Let’s get into it.
What we love...
So we’ve covered the intro offer, now let’s look at what else this card provides. This is a platinum rewards card. That means it offers some handy platinum perks, as well as a rewards program with a respectable earn rate.
If you opt for the Suncorp Bank Rewards Program, you can earn 1.25 Suncorp Rewards Points for every $1 spent on the card. This can be redeemed for travel, merchandise, gift cards and more. Alternatively, you could choose to join the Suncorp Bank Qantas Frequent Flyer program, where you would earn 0.5 Qantas Points for every $1 spent.
On to the platinum perks. You will usually notice certain similarities between platinum cards and their perks. Platinum cardholders have come to expect certain niceties, don’t you know. This platinum card, like many others, offers a range of complimentary insurances.
In terms of travel cover, cardholders can enjoy the peace of mind from having international travel insurance, transit accident insurance and interstate flight inconvenience insurance. Purchases are also covered, under the card’s guaranteed pricing scheme and purchase cover.
Anything else in the way of platinum extras? Cardholders can benefit from the services of a personal concierge, available 24/7. There are also special offers and discounts to be had, offering exclusive tickets to sporting, music and theatre events, dinner and travel packages, sightseeing tours and more.
What’s not so great...
No one likes being a downer, but here goes. The purchase rate, like most rewards cards, is high at 20.74% p.a.
You’ll also have to pay $49 per year if you choose to earn rewards on the Suncorp Bank Qantas Frequent Flyer program.
Why should you choose this card?
If you’re looking for a decent rewards card with some very nice platinum features, this card may well be for you. You can earn points as you spend, plus you can have up to four free additional cardholders, helping you accumulate points. If you need a higher than average credit limit, you may get approved for up to $30,000 on this card, and if you need it, you can enjoy up to 55 days interest free on retail purchases.
Overall Rating
Nice rewards card with a respectable earn rate, some very pleasant extras and suitably lovely bonus introductory offers.
User reviews
Rates and fees
Interest rates
Purchase rate 20.74% p.a.
Cash advance rate 21.99% p.a.
Interest free period on purchases up to 55 days
Credit limits
Minimum credit limit $6,000
Maximum credit limit $100,000
Fees & repayments
Annual fee $129 p.a.
Additional cardholder fee Up to 4 at no extra cost
Foreign transaction fee 3.40%
Minimum repayment 2% or $30 (whichever is greater)
Cash advance fee 1.50% (international); $3.50 or 3.5%, whichever is greater (domestic)
Late payment fee $30
Rewards and points
Rewards program
Rewards Program
Suncorp Rewards
Bonus points 140,000 points
Annual points cap uncapped
Bonus points spend criteria Spend $4,500 in the first 90 days
Earning points with this card
Rewards Rewards points 1.25 points per $1 spent
Points cap per month N/A
Overseas earn rate same as standard earn rate
Additional features
Complimentary insurance
International Travel Insurance Yes
Flight Inconvenience Insurance Yes
Transit Accident Insurance Yes
Smartphone Screen Insurance No
Purchase Protection Insurance No
Extended Warranty Insurance Yes
Rental Vehicle Excess In Australia Insurance No
Extras
Travel insurance underwritten by Allianz Global Assistance
Guaranteed Pricing Scheme
Overview
Suncorp Clear Options Platinum Credit Card
The Suncorp Clear Options Platinum card offers rewards 1.25 point earned per $1 spent alongside a platinum concierge, with the option to opt in to a Suncorp Qantas Frequent Flyer rewards scheme. With the Suncorp Platinum, you can enjoy the flexibility of higher credit levels as well as benefit from a great rewards system. The rewards points are convertible to Qantas Frequent Flyer points, and are uncapped and do not expire as long as the account is open.
Key features
- Receive 140,000 bonus Suncorp Credit Card Rewards Points when you spend $4,500 on Eligible Transactions in the first 90 days from approval
- Suncorp Rewards Program offers earning of up to 1.25 point for every $1 spent
- Rewards program is compatible with Qantas frequent flyer program
- Up to four additional cardholders for no extra cost
- Complimentary Overseas Travel insurance
- Complimentary Interstate Flight Inconvenience insurance
- Complimentary Purchase Cover insurance
- Complimentary Extended Warranty cover
- 24/7 Personal Concierge Service
- Up to $30,000 credit limit if meeting customer criteria
Minimum criteria to apply for this card
-
Be over 18 years old
-
Good Credit and have not applied for multiple credit cards recently
-
Australian Permanent Resident
-
Minimum income of $35,000 p.a.
You have your personal details ready to complete the online application
Pauline is a personal finance expert at CreditCard.com.au, with 9 years in money, budgeting and property reporting under her belt. Pauline is passionate about seeing Aussies win by making their money – and their credit cards – work smarter, harder and bigger
Recently Asked Questions
Something you need to know about this card? Ask our credit card expert a question.
Ask a question38 questions (showing the latest 10 Q&As)
What is the upper age limit for free international travel insurance?
Can I transfer points to other than Qantas programs?
Hi Kath, good question! I checked however there’s no mention of the age limit for the complimentary international travel insurance coverage. You can check Suncorp’s official insurance cover PDS or give them a call at 13 11 55 for further information.
I have just cancelled my SUNCORP CREDIT CARDS APPROX 12.45 PM and the Woman I spoke to said she would send me on my computer a rewards card for the time I was with them. My problem is I can't access it on my computer as I have not used my PASSWORD FOR MANY YEARS. CAN YOU HELP ME
Hi Mervyn, you’ve actually reached Australia’s top credit card comparison site. You can contact Suncorp directly at 1800 191 517 for assistance.
Can I please confirm that the Suncorp Clear Options Platinum Credit Card cannot be added to Google Pay?
Hello Matthew, it turns out that the Suncorp Clear Options Platinum card does not offer Google Pay. It only has Visa payWave as the contactless payment feature. If Google Pay is a must for you, you can start comparing a range of credit cards with Google Pay.
Need to know status of my credit card application
Hi Dinesh, the processing of your Suncorp Clear Options Platinum credit card application may take 5-7 business days. You can make a follow-up on the status of your application by contacting Suncorp customer service directly at 13 11 55.
hi, I cannot transfer from my suncorp visa card to a BSB account online. Why is this?
Hi Jennifer, I’m sorry but you’ve reached Australia’s leading credit card comparison site. We do have a guide on transferring money off your credit card, but it’s probably best to reach out to Suncorp directly at 13 11 55.
I have a platinum credit card through suncorp and need information re travel insurance to new zealand. we are cruising on P and O.
Hi Laurene, I checked and do see that international travel insurance is included with your Suncorp Clear Options Platinum card. For more information specific to your cruise, you can check their official insurance cover PDF. Happy sailing 🚢
I have 200,00 points on this card. Now I can't buy flights through Suncorp. Can I transfer them to the Suncorp Qantas Frequent Flyer Program? Is this the best way to redeem my points for flights?
Hi Pam, thanks for reaching out again. You can transfer Suncorp points to Skywards Miles, flybuys points, KrisFlyer Miles and Velocity Points. Unfortunately, Suncorp doesn't currently have a partnership with Qantas. If you want to see all your options for your points, you will need to login to your account.
with travel insurance on platinum credit cards
are we covered for covit 19 whentraveling over seas and in Australia
Hi Kevin, we don't have an active partnership to this card yet but I see that indeed Suncorp Clear Options Platinum card includes travel insurance coverage. Their official insurance terms PDF state that pandemics and endemics are listed as a general exclusion.
How long is the process for approval ? Is it shorter if I apply personally in your Office ?
Hi Charles, generally speaking there’s no difference in the process whether you apply online or in an office. In both instances your application will go off to the respective departments and a card mailed to you if you’re approved.
is there any age limitation on the travel insurance and any limitations on pre-existing conditions ?
Hi Charles, you should always do your due diligence before taking out any insurance products. For your convenience we’re linked Suncorp’s official insurance terms and conditions for details about coverage and pre-existing conditions. You may also call Suncorp or Allianz directly to get further details.
i wrote the wrong card and in fact it is the Westpac Altitude Black card and the fees are now $250 a year which includes my Qantas frequent flyers fee..I am also looking at the HSBC card which is around $125 a year includes 2 lounge passes insurance and Qantas points
Hi there, you’re not wrong. The HSBC platinum has a great balance transfer offer and annual fee offer running right now, with the insurances and lounge passes. You can read our review of the card here. Let us know what card you decide on!
i am tired of trying to compare cards. I have a black Earth Mastercard but fail to see the $200 a year fees with this card. I have never been able to get my lounge passes and have been with this card for over 10 years.how would you compare the westpac blackearh master card with the suncorp visa?
Hi there! As you probably know, the earth black card is no longer available from Westpac. The Suncorp card doesn’t offer lounge passes, and has a similar annual fee with a range of insurances. The added insurances are great if you use them, but if you’re after lounge passes, check out our comparison tables. You can sort by annual fee and then read our expert review to find out more.
Roland do you have to opt into the Qantas frequent flyer rewards scheme prior to receiving your card or can it be done afterwards. A card has just been received
Hi Carole, I assume that you should be able to switch at any time. They will just look to charge you the additional $49 annual fee for this program. Make sure you have your Qantas Membership number ready. I would give them a call to discuss if you are keen 13 11 55
Can you explain the services of a personal concierge ?
Hi Mick, they don't provide 2 much detail. Though, Personal 24 hour concierge service: Let us assist you with travel bookings, event & hotel bookings, personal shopping, conference services and more. Please call 1800 639 607. You can get them to do general things for you.
Why doesn't suncorp credit cards have the option to be added to the apple pay service.
Hi Travis, Suncorp cards are issued through Citi. Citi just recently added Apple Pay functionality for their range of cards. I assume that it will come to Suncorp. Though it may be some time before it does. If this is an important feature. Then it may be worth changing to a credit card that is Apple Pay supported. Some cards are listed here - https://www.creditcard.com.au/apple-pay-credit-cards/
could you please tell me the amount on my card
Hi Thomas, log into internet banking or use phone banking to check your balance at any time - https://internetbanking.suncorpbank.com.au/
Hi. I am looking at options for a 0% credit card. We will have the money after tax time to pay it off but wanting to know a rough monthly repayment until then. Is there a calculators?
Thanks.
Hi Brodie, the Bendigo Bank low rate is a good 0% on purchase card offer. You always have to make minimum repayments on credit cards. This particular offer would require a 3% monthly repayment. So if you owed $10,000. It would be $300 required to service this amount. What I like about this offer as well. Post the 0% period any unpaid amount reverts to 11.99% rather than the Suncorp that reverts to 21.99% p.a. Though if you can pay it off then this is no problem. With Suncorp you have to pay a minimum of 2.5%. So this would be $250 a month on a $10,000 balance.
what are the rewards and benefits related to the suncorp platinum card?
Pros and cons
0% p.a. on purchases and balance transfers for 14 months (reverts to 21.99% p.a.)
Suncorp Rewards Program offers earning of up to 1.25 point for every $1 spent
Rewards program is compatible with Qantas frequent flyer program
24/7 Personal Concierge Service
Complimentary Overseas travel insurance
Complimentary interstate flight inconvenience insurance
Complimentary Purchase Cover insurance
Complimentary Extended Warranty cover
Up to $30,000 credit limit if meeting customer criteria
Cons
Balance transfer rate reverts to the high cash advance rate of 21.99% p.a.)
Qantas Frequent Flyer reward point earn rate is 0.5 reward points for every $1 spent and capped earn at $8,000 per statement period
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11 September 2020the refund process takes months, and the citibank representing Suncorp and asks you a lot of questions. and there are some hidden transaction fees.
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