The Suncorp Clear Options Gold Credit Card earns points that you can redeem for rewards including gift cards, statement credits, retail items and point transfers to Velocity Frequent Flyer. It offers up to 55 interest-free days on purchases if you pay your total balance by the due date on each statement. But otherwise, the 20.74% p.a. purchase rate is at the higher end of the scale. As it's one of only a handful of gold credit cards on the market in Australia, you could also compare it to other rewards cards or platinum credit cards to help decide if it's right for you.
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Suncorp Clear Options Gold Credit Card
Terms and conditions apply
- Purchase rate
- 20.74% p.a.
- Reward point per $ spent
- 1
- Annual fee
- $129 p.a.
- Interest-free on purchases
- Up to 55 days
Our verdict
No longer offered
The Suncorp Clear Options Gold Credit Card is no longer available for new applications. We’ve kept this information online for existing customers and for those who are interested. You can also compare a range of current gold credit cards on Finder.
Pros
-
Earn rewards points for your spending
-
Up to 55 days interest-free on purchases
-
Complimentary insurance covers including purchase protection insurance and extended warranty insurance
Cons
-
High purchase interest rate of 20.74% p.a.
-
3.4% foreign transaction fee
Details
Product details
| Product Name | Suncorp Clear Options Gold Credit Card - DISCONTINUED |
| Purchase rate p.a. | 20.74% |
| Interest-free period | Up to 55 days on purchases |
| Cash advance rate p.a. | 21.99% |
| Min credit limit | $5,000 |
| Max credit limit | $25,000 |
| Card type | Visa |
Eligibility
| Available to temporary residents | No |
| Minimum income | $30,000 |
| Joint application | No |
Rewards
| Rewards program | Suncorp Bank Rewards Program |
| Bonus points | N/A |
| Rewards points per $ spent | 1 |
Fees
| Annual fee | $129 |
| Minimum monthly repayment | 2% of the closing balance or $25, whichever is greater |
| Late payment fee | $30 |
| Foreign currency conversion fee | 3.4% |
| Cash advance fee | 3.5% or $3.50, whichever is greater |
| Overseas cash advance fee | 1.5% |
| Additional cardholder fee | $0 |
| Number of additional cardholders | 4 |
Your reviews
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Amy Finder
Editor
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Jonathan Finder
February 10, 2015
Hi Linda, thanks for your inquiry!
Please note that lenders have individual lending policies. Suncorp Bank will need to assess your financial and personal situation to be able to advise on your options and eligibility.
The minimum income requirement for this card is $30,000 p.a. with a minimum credit limit of $5000.
Cheers,
Jonathan
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Adele
July 26, 2014
Now that you no longer provide travel insurance with your gold card, how much will the yearly fee be?
Shirley Liu Finder
July 28, 2014
Hi Adele,
Just to clarify, finder.com.au is an online comparison service. We are not directly affiliated with Suncorp.
At the time of writing, the annual fee for this card is $120.
Cheers,
Shirley
Ken
January 08, 2014
Can I transfer balance from ANZ ac to my Suncorp Gold visa account?
Jacob Joseph Finder
January 08, 2014
Hi, Ken.
If you have an existing Suncorp account that you would like to transfer a balance to, please contact the lender directly to see what balance transfer rate they can give for existing customers.
Thanks for your question.
Guy
December 09, 2013
I am now retired with assets in excess of 2 millions dollars and annual income from investments and superfund in excess of 250,000 dollars.
What do I need to supply with? Your form asks for the name of my employer but I don’t have any. How do I prove my income to you?
Jacob Joseph Finder
December 09, 2013
Hi Guy.
If you’re retired you can still apply for this card, you will need to select ‘self employed’ and then you will need to provide your accountant’s details so he can verify your information when contacted by the bank.
Thanks for your question.
Danielle
November 20, 2013
Can you check my credit file?
Jacob Joseph Finder
November 20, 2013
Hi Danielle,
Thanks for your question.
You can find information on how to order a copy of your credit file.
I hope this helps.
Cheers,
Jacob
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linda
February 10, 2015
I have GE master card with 900.00 owing, I am on Centrelink, can I transfer to Suncorp & have a $1000.00 limit card?
Linda.