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Suncorp Clear Options Gold

Purchase rate
20.50% p.a.
Balance transfer rate
No current offer
Annual fees
$120
Interest free days on purchases
55

Rewards program details

Rates and fees information correct as at 29 September 2020. 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 return

299,000 points

Fly Sydney to Melbourne one-way

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 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.

Close

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

  • $30.00

  • 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?

Overall
6.7/10
Price
6.1/10
Features
5.8/10
Customer service
6.7/10
Convenience
7.1/10
Trust
6.8/10

Latest reviews of Suncorp Clear Options Gold

  • Overall 5/10
    Good customer service, average premiums.

    Middle of the road credit card with a rewards program that keeps changing for the worse.

    Read full review

    Middle of the road credit card with a rewards program that keeps changing for the worse.

    Price
    4/10
    Features
    5/10
    Customer service
    8/10
    Convenience
    5/10
    Trust
    5/10
    Less
    Sonia, Queensland reviewed 11 months ago
  • Overall 5/10
    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 service they provide.

    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.

    Price
    0/10
    Features
    -
    Customer service
    -
    Convenience
    -
    Trust
    -
    Less
    Sue, Queensland reviewed about 3 years ago
  • Overall 6/10
    Always ask

    Suncorp does try to reward customers with multiple products

    Read full review

    Suncorp does try to reward customers with multiple products

    Price
    6/10
    Features
    5/10
    Customer service
    9/10
    Convenience
    7/10
    Trust
    5/10
    Less
    Lisa, Queensland reviewed over 4 years ago
  • Overall 7/10
    Very trusting.

    Rates aren't great as we probably need to review them. Also they have just changed the rewards program. Not good now.

    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.

    Price
    4/10
    Features
    3/10
    Customer service
    6/10
    Convenience
    9/10
    Trust
    9/10
    Less
    Cynthia, Queensland reviewed over 4 years ago
  • Overall 7/10
    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 seem excessive. I think they should reward long time customers with great fee reductions or benefits, particularly in this very competitive space.

    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.

    Price
    5/10
    Features
    8/10
    Customer service
    8/10
    Convenience
    9/10
    Trust
    8/10
    Less
    Rhian, Victoria reviewed almost 5 years ago
Suncorp

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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