Suncorp credit cards

Suncorp
Suncorp's overall rating for credit cards

(as rated by the Mozo community)

6.7 / 10

based on 413 reviews

Suncorp offers a range of credit cards to suit your spending needs, whether you’re in it for rewards, shopping power or just the convenience of a flashy piece of plastic. But applying for a credit card isn’t something you want to do lightly - so check out all the details on Suncorp’s line of credit cards before you go ahead.

Rates and fees verified as correct at 21 January, 2019. Other information correct at the time of writing.

What credit cards do Suncorp offer?

Low rate credit cards Low rate credit cards

Are you looking for convenience and cost-effective spending with your credit card? A low rate card from Suncorp might be for you. These credit cards are designed to help keep costs down, but one catch is that the offering from Suncorp has no interest free days - so you’ll pay interest right from the word go.

Product Purchase rate Balance transfer rate Annual fees Interest free days

12.74% p.a.

0% p.a. for 14 months and then 21.99% p.a.

$55

0

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Low fee credit cards Low fee credit cards

Product Purchase rate Balance transfer rate Annual fees Interest free days

12.74% p.a.

0% p.a. for 14 months and then 21.99% p.a.

$55

0

Hide

Rewards credit cards Rewards credit cards

Who doesn’t love a freebie? If earning bonuses is high on your priority list, then check out the great rewards cards on offer from Suncorp Bank. With one of these cards in your pocket, you can earn rewards points to redeem for gift vouchers, retail products, or for frequent flyer points. When you opt for a rewards card, just keep in mind that you’ll pay higher interest and fees in return for all the freebies.

Product Points per dollar Purchase rate Balance transfer rate Annual fees

1 point per dollar on Visa, up to $1,500 per month, then
0.5 points per dollar on Visa, uncapped

20.50% p.a.

No current offer

$120

1.25 points per dollar on Visa, uncapped

20.74% p.a.

0% p.a. for 18 months and then 21.99% p.a.

$129

0.5 points per dollar on Visa, up to $8,000 per month

20.74% p.a.

0% p.a. for 18 months and then 21.99% p.a.

$178

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Prestige cards Prestige cards

Are you looking for a credit card that’s a little bit swish? Check out a premium credit card, which will offer you generous spending power and great bonuses for if you like to rack up rewards points.

Product Points per dollar Purchase rate Balance transfer rate Annual fees

1.25 points per dollar on Visa, uncapped

20.74% p.a.

0% p.a. for 18 months and then 21.99% p.a.

$129

0.5 points per dollar on Visa, up to $8,000 per month

20.74% p.a.

0% p.a. for 18 months and then 21.99% p.a.

$178

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Frequent flyer credit cards Frequent flyer credit cards

If you’re a traveller, then don’t forget to pack a Suncorp Qantas card in your carry-on! This is also a prestige option, so there is a hefty annual fee and steep interest rate to take into consideration, but you’ll be able to cash in on heaps of rewards points that will be automatically credited to your Qantas frequent flyer account.

Product Points per dollar Purchase rate Balance transfer rate Annual fees

0.5 points per dollar on Visa, up to $8,000 per month

20.74% p.a.

0% p.a. for 18 months and then 21.99% p.a.

$178

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**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.

Frequently Asked Questions about Suncorp credit cards

How many interest free days will I get with a Suncorp credit card?

With most Suncorp credit cards, you’ll get 55 interest free days in which to pay off your purchases. Keep in mind that this interest free period starts at the beginning of your statement cycle, not when you make the purchase. So, if you buy a flashy new laptop halfway through your statement cycle, you’ll have less time to pay it off before being hit with interest.
If you’ve opted for a low rate card from Suncorp there’s bad news - you don’t get any interest free days. So although your rate is lower, there’s no chance to avoid paying interest.

What fees might I be charged?

When you choose a credit card from Suncorp, don’t forget to consider all the different fees and charges that may come with it. On any Suncorp credit card, fees you’ll pay include the annual fee, (which is different for each card), cash advance fees, and foreign currency exchange fees.

Can I use my Suncorp credit card for a balance transfer?

If you’re trying to manage your credit card balance and get your spending in line with your budget, a balance transfer on your credit card can be a great way to do it. You’ll be able to pay off your existing credit card debt during a zero interest period - but remember that once the balance transfer period is over, you’ll pay interest on the debt at the cash advance rate, which is much higher.
You can use any of the Suncorp credit cards in our table to do a balance transfer, except the gold credit card.

Can I use paypass with my Suncorp credit card?

All of the credit cards on offer from Suncorp use the VISA network, which means you can use payWave to pay for small purchases. 

Can I use my Suncorp credit card while I’m travelling overseas?

Absolutely! You can use your Suncorp credit card wherever VISA is accepted. But just keep in mind that you’ll be charged a foreign currency conversion fee for transactions that aren’t in Aussie dollars.

What rewards options do I have with my Suncorp rewards credit card?

You can choose between two rewards programs with a Suncorp rewards credit card - Qantas frequent flyers, or Suncorp Rewards, which allows you to redeem points for merchandise, gift cards or travel.

You’re earning power will depend on what card you have. Gold card earners will bag 1 point for every $1 spent up to $1,500 and 0.5 points per $1 afterwards, while platinum users will cash in with 1.25 points to every $1 spent.

What kind of insurance options does my Suncorp credit card offer?

If you opt for a platinum credit card from Suncorp, you can take advantage of a couple of different complementary insurance options with your credit card, including:

Purchase cover (also available on gold card)

Extended warranty

Travel insurance

How are Suncorp credit cards rated?

Mozo users have rated Suncorp credit cards on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Suncorp credit cards

Overall 6.7

Price

Features

Customer service

Convenience

Trust

411 Reviews

Recent Suncorp credit card reviews Recent Suncorp credit card reviews

Suncorp

Suncorp credit card review

Overall rating   7 / 10

Good security and customer service

They have high fees if you don’t pay outstanding each month. Good security and customer service.

Full review

They have high fees if you don’t pay outstanding each month. Good security and customer service.

    Price   7 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

Less

Avril, Queensland, reviewed 3 months ago

Suncorp

Suncorp Clear Options Standard credit card review

Overall rating   10 / 10

Great products and features

Suncorp has amazing products and features.

Full review

Suncorp has amazing products and features.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Joy, New South Wales, reviewed 3 months ago

Suncorp

Suncorp credit card review

Overall rating   8 / 10

Competitive premiums and great customer Service

Credit card provider does the job they are supposed to do. No need to comment. No pros and cons

Full review

Credit card provider does the job they are supposed to do. No need to comment. No pros and cons

    Price   7 / 10

    Features   7 / 10

    Customer service   7 / 10

    Convenience   7 / 10

    Trust   8 / 10

Less

Glenda, Queensland, reviewed 4 months ago

Suncorp

Suncorp Clear Options Standard credit card review

Overall rating   10 / 10

Great customer service

Customer service, knowledgeable staff, discrepancy in accounts easily rectified. Alert warnings on unusual transactions.

Full review

Customer service, knowledgeable staff, discrepancy in accounts easily rectified. Alert warnings on unusual transactions.

    Price   8 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Barbara, Queensland, reviewed 10 months ago

Suncorp

Suncorp Clear Options Standard credit card review

Overall rating   10 / 10

Excellent

Suncorp is informative and prompt.

Full review

Suncorp is informative and prompt.

    Price   7 / 10

    Features   7 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   7 / 10

Less

Sasha, Queensland, reviewed 11 months ago

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What do you need to apply for a Suncorp credit card? What do you need to apply for a Suncorp credit card?

There are small differences in eligibility requirements depending on which card you’d like to apply for. Check out our handy table to see which Suncorp credit card you qualify for.

StandardGoldPlatinum
ResidencyPermanent Australian residentPermanent Australian residentPermanent Australian resident
Credit ratingHave a good credit ratingHave a good credit ratingHave a good credit rating
Annual income5,000 p.a. or more30,000 p.a. or more35,000 p.a. or more

Check out our guide on applying for a credit card for more information.

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