Suncorp Clear Options Gold
20.50% p.a.
No current offer
$120
Suncorp Rewards
Suncorp Clear Options Gold
20.50% p.a.
No current offer
$120
Suncorp Rewards
Suncorp Clear Options Gold
20.50% p.a.
No current offer
$120
Suncorp Rewards
Rewards program details
Rates and fees information correct as at 20 November 2018. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.What your points get you
Fly Sydney to London
299,000 points
Fly Sydney to Melbourne
19,500 points
$100 Giftcard
20,900 points
$100 Cash
40,000 points
Points earning
1 point per dollar on Visa, up to $1,500 per month, then
0.5 points per dollar on Visa, uncapped
Rewards scheme
Redeem your points for travel, gift cards, retail rewards and shopping gift cards.
You can redeem flights via Velocity, Emirates Skywards or Krisflyer programs or by booking through the Suncorp Travel Centre.
Value of rewards points
Spend $62,000 (Visa)
Spend $23,800 (Visa)
Spend $21,000 (Visa)
Spend $580,000 (Visa)
Uncapped
Never
How do we calculate these points?
How do we calculate the rewards?
To work out the "Rewards value minus fees" in our Rewards Revealer we:
calculate how many points you'd get each year,
figure out how many flights or gift cards or cashback credits you could get for those points,
work out what that's actually worth to you,
take off the annual fee you'd pay.
More details:
Our calculations are designed to help you compare the value of different rewards schemes. To do this, we've looked at earning a one-way Sydney-Melbourne flight excluding taxes and charges, a return Sydney-London flight excluding taxes and charges, a $100 shopping Gift Card and $100 cashback. Most cards will also offer other rewards, which may be worth more or less than the ones we've shown.
We have made no allowance for bonus points for using your card at specific merchants, introductory offers or special offers. We have not assigned any value to instant discounts, insurances, ticketing and concierge services or other such benefits.
Rewards value calculations do not take credit card interest into account. If you do not pay off your card each month you may be better off looking for a card based on interest rates than on the value of rewards.
In products that have more than one card, a different mix of spend between American Express / Visa / Mastercard will give different results. Mozo's Rewards Revealer lets you choose the mix based on the way you would use such a product, and gives you tailored results.
We assume flights purchased with airline points are 'classic' or 'reward' economy seats with restricted seat availability. 'Any seat' rewards will probably cost more.
To compare the value of flight rewards, we sample online retail flight prices once a quarter based on the average price on a Wednesday 3 months in advance but outside NSW school holidays. For domestic flights we take the lowest available fare from each flight on that day from Qantas Red e-deal, Virgin Australia Saver including baggage and Jetstar Starter including baggage. We calculate the average price excluding taxes and surcharges for each airline, and also the average across all airlines (which we use when rewards are travel agent vouchers). For international flights, we take the lowest available fares on that same Wednesday from each of Qantas, Emirates, Malaysian, Etihad, Singapore, Cathay Pacific and Thai, assuming a return flight 2 weeks later, calculate the average price before taxes and surcharges and use this as our assumed cost of a flight on any airline.
Shopping rewards are based on $100 gift cards from a major national department store.
We make every effort to ensure our calculations are correct and up to date but make no guarantees.
Rate and fee details
Rates
-
20.50% p.a.
-
none
-
No current offer
-
none
-
21.99% p.a.
-
55
Fees
-
$120.00
-
none
-
none
-
none
-
$10.00
-
3.50%, min $3.50
-
3.40%
-
$14.00
-
$14.00
-
$0.00
Features
-
$30.00
-
2.0
-
4
-
none
Payment options
Apple Pay, Google Pay, Samsung Pay
Rewards privileges
Purchase Protection,
Guaranteed Pricing
Customer Reviews
How are Suncorp credit cards rated by the Mozo community?
Latest reviews of Suncorp Clear Options Gold
- Overall5/10
Customer service is good but fees are too high
Overall service is good and the staff are pleasant. The fees are way too high for the type of...
Read full review
Overall service is good and the staff are pleasant. The fees are way too high for the type of service they provide.
Price0/10Features-Customer service-Convenience-Trust-Less
Sue | Queensland
reviewed over 1 year ago
- Overall6/10
Always ask
Suncorp does try to reward customers with multiple products
Read full review
Suncorp does try to reward customers with multiple products
Price6/10Features5/10Customer service9/10Convenience7/10Trust5/10Less
Lisa | Queensland
reviewed over 2 years ago
- Overall7/10
Very trusting.
Rates aren't great as we probably need to review them. Also they have just changed the rewards...
Read full review
Rates aren't great as we probably need to review them. Also they have just changed the rewards program. Not good now.
Price4/10Features3/10Customer service6/10Convenience9/10Trust9/10Less
Cynthia | Queensland
reviewed over 2 years ago
- Overall7/10
Good customer service, high annual credit card fee
$120 card fee per year just to link it to a rewards program such as Qantas Frequent Flyer - does...
Read full review
$120 card fee per year just to link it to a rewards program such as Qantas Frequent Flyer - does seem excessive. I think they should reward long time customers with great fee reductions or benefits, particularly in this very competitive space.
Price5/10Features8/10Customer service8/10Convenience9/10Trust8/10Less
Rhian | Victoria
reviewed almost 3 years ago
- Overall10/10
No annual fees.
I currently have no annual fees charged as I have a home loan with Suncorp.
Read full review
I currently have no annual fees charged as I have a home loan with Suncorp.
Price10/10Features10/10Customer service10/10Convenience10/10Trust10/10Less
John | Victoria
reviewed almost 3 years ago
About Suncorp
From small beginnings as a Queensland agricultural bank, Suncorp has grown to become Australia's sixth largest bank. Today Suncorp provides term deposits, savings accounts, home loans, personal loans and other financial services to over 800,000 customers through 178 retail outlets, 680 ATMs, 46 Business Centres, online banking and 24-hour call centres. Suncorp's branches are spread mainly throughout Queensland, Victoria and New South Wales, but are expanding into other states.
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