Suncorp Credit Cards

Suncorp is a provider of a variety of products including credit cards, bank accounts, investment products, home loans, home and contents insurance, car insurance, life insurance, and travel insurance.

What credit cards does Suncorp offer?

If you’re considering a Suncorp credit card, check out what’s available below in our comparison table based on a monthly spend of $1,000. Please note that this table has been sorted by purchase rate (lowest to highest).

Compare Credit Cards

More information about Suncorp credit cards

We have summarised below some of the key features of various Suncorp credit cards, according to the information available on its website at the time of writing.

There are three different types of Suncorp credit cards:

  1. Suncorp Clear Options Platinum Credit Card (Rewards Card)
  2. Suncorp Clear Options Gold Credit Card (Rewards Card)
  3. Suncorp Standard Credit Card (Low Rate Card)

All Suncorp credit cards offer the following benefits:

  • Online: Cards can be managed using 24/7 online banking or the mobile app.
  • Contactless payments: Contactless payments are enabled via card for purchases under $100 with Visa pay wave and via the mobile banking app with Apple Pay, Google Pay and Samsung Pay.
  • Lost card replacement: Lost cards can be replaced within 24 hours in Australia.
  • Security: Card is protected by Fraudshield and Visa Zero Liability .

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Suncorp Clear Options Platinum Credit Card

suncorp platinum credit card

Features

  • Card type: Visa
  • Minimum credit limit: $6,000
  • Maximum credit limit: $30,000
  • Minimum income required: $35,000/year
  • Rewards program: Earn points to redeem rewards, such as vouchers and gift certificates, via the Suncorp Rewards program. As of writing, earn 1.25 rewards points per $1 spent.
  • Qantas Frequent Flyer points: Upgrade to the Suncorp Qantas Frequent Flyer Card and earn 0.5 point per $1 spent up to $8,000. 
  • Complimentary services: Includes personal concierge, personalised rewards, international travel insurance and access to Suncorp’s Travel Centre. 

Compare Frequent Flyer Credit Cards

Suncorp Clear Options Gold Card

suncorp bank gold credit card

Features

  • Card type: Visa
  • Minimum credit limit: $5,000
  • Maximum credit limit: $25,000
  • Minimum income required: $30,000/year
  • Rewards program: Earn points to redeem rewards, such as vouchers and gift certificates, via the Suncorp Rewards program. As of writing, earn 1 reward points per $1 spent.

Compare Rewards Credit Cards

Suncorp Standard Credit Card (Low Rate)

suncorp standard credit card

Features

  • Card type: Visa
  • Minimum credit limit: $2,000
  • Maximum credit limit: $20,000
  • Minimum income required: $25,000/year

Compare Low Rate Credit Cards

Suncorp Credit Card FAQs

To apply for any of the Suncorp credit cards, you must be able to satisfy the following criteria:

  • Be at least 18 years old.
  • Be a permanent Australian resident.
  • Have a good credit rating.
  • Earn a sufficient taxable income to meet the income requirements listed above.

For more information on eligibility requirements, refer to the Suncorp website.

First, check whether you are eligible to apply for a Suncorp credit card. See above for the eligibility requirements.

If you meet the eligibility requirements, you can apply online, in-store at a branch, or over the phone. Have your ID, income and expenses and employment details handy.

In some cases, an instant response cannot be made and you will need to provide further information before the card can be approved; in this case, the card provider will contact you. You can check your application status at any time by logging into Suncorp’s Internet Banking service or calling Suncorp.

According to Suncorp, your official card will take approximately 5-7 working days to arrive after approval. You will have to activate the card when it arrives before using, either through Internet Banking or by calling Suncorp. 

You can manage your Suncorp credit card through online banking using the Suncorp Internet Banking website or their mobile banking app. Use online banking to view your recent transaction history, check your balance, and more.

When interest is charged:

Interest is charged when you carry a balance on your Suncorp credit card, on cash advances from the date of withdrawal and balance transfers from the date of transfer. Fees and charges may apply, contact Suncorp or visit the Suncorp website for more details.

When interest is not charged:

At time of writing, up to 55 interest-free days apply to the Platinum and Gold Suncorp credit cards. No interest-free days apply to the Suncorp Standard credit card. Interest-free days only apply to purchases if you have paid the balance in full for the previous month’s statement and for the current month’s statement (the statement on which the purchases are listed).

Your credit limit for a Suncorp credit card will be determined based on the information you provide in your application, keeping in mind the minimum and maximum credit limits available for each card. If you wish to increase or decrease your credit limit, you can request to do so over the phone or through internet banking (decrease only). 

You can close your Suncorp credit card account at any time throughby internet banking or contacting Suncorp over the phone. 

Your card balance will need to be repaid in full even after the card is closed. You will continue to receive monthly statements until your card balance is fully repaid.

If you are experiencing financial hardship, contact Suncorp’s customer service team to potentially get help in making repayments.

If you are closing your Suncorp credit card because you’re not satisfied with it, consider your other options when it comes to credit cards:

Compare Credit Cards

Founded in 1902, Suncorp says it is one of Australia’s leading banks with nine million customers. The brands that come under the Suncorp Group umbrella include several insurance companies: AAMI, GIO, Bingle, Apia, Shannons, Terri Scheer, Asteron Life, and AA Insurance.

Compare Credit Cards with Canstar

If you’re comparing credit cards, the table below displays a snapshot of the low interest credit cards currently available on Canstar’s database for Australian’s looking to spend around $2,000 per month. Please note that this table features links direct to the providers website, and is sorted by Star Rating (highest to lowest). Use Canstar’s credit card comparison selector to view a wider range of credit cards..

Written by: TJ Ryan | Last updated: October 29, 2019