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 22 January, 2020. Other information correct at the time of writing.
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 on purchases |
|---|---|---|---|---|
| 12.74% p.a. | No current offer | $55 | 0 |
| Product | Purchase rate | Balance transfer rate | Annual fees | Interest free days on purchases |
|---|---|---|---|---|
| 12.74% p.a. | No current offer | $55 | 0 |
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 | 20.50% p.a. | No current offer | $120 | |
| 1.25 points per dollar on Visa, uncapped | 0% p.a. for 14 months then 20.74% p.a. | 0% p.a. for 14 months and then 21.99% p.a. | $129 $49 in the first year | |
| 0.5 points per dollar on Visa, up to $8,000 per month | 0% p.a. for 14 months then 20.74% p.a. | 0% p.a. for 14 months and then 21.99% p.a. | $178 $49 in the first year |
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 | 0% p.a. for 14 months then 20.74% p.a. | 0% p.a. for 14 months and then 21.99% p.a. | $129 $49 in the first year | |
| 0.5 points per dollar on Visa, up to $8,000 per month | 0% p.a. for 14 months then 20.74% p.a. | 0% p.a. for 14 months and then 21.99% p.a. | $178 $49 in the first year |
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 | 0% p.a. for 14 months then 20.74% p.a. | 0% p.a. for 14 months and then 21.99% p.a. | $178 $49 in the first year |
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.
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.
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.
All of the credit cards on offer from Suncorp use the VISA network, which means you can use payWave to pay for small purchases.
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.
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.
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
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.
Sally, Queensland, reviewed about 1 month ago
I changed from Clear Options 'Gold' to 'Standard' some time ago after several interest rate, fees and rewards issues. Despite that, I continued to have some of the same. My new product didn't have rewards but I continually got promotional emails...
I changed from Clear Options 'Gold' to 'Standard' some time ago after several interest rate, fees and rewards issues. Despite that, I continued to have some of the same. My new product didn't have rewards but I continually got promotional emails about them. I was also charged fees that didn't apply to the product.
Steve, Queensland, reviewed 2 months ago
Middle of the road credit card with a rewards program that keeps changing for the worse.
Middle of the road credit card with a rewards program that keeps changing for the worse.
Sonia, Queensland, reviewed 2 months ago
Suncorp is very helpful. However finding a branch is hard.
Suncorp is very helpful. However finding a branch is hard.
Nicole, Victoria, reviewed 3 months ago
Credit card fees are high and the card does not include any features. I’m open to changing.
Credit card fees are high and the card does not include any features. I’m open to changing.
Chelsea, New South Wales, reviewed 3 months ago
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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.
| Standard | Gold | Platinum | |
|---|---|---|---|
| Residency | Permanent Australian resident | Permanent Australian resident | Permanent Australian resident |
| Credit rating | Have a good credit rating | Have a good credit rating | Have a good credit rating |
| Annual income | 5,000 p.a. or more | 30,000 p.a. or more | 35,000 p.a. or more |
Check out our guide on applying for a credit card for more information.
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