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Suncorp Clear Options Platinum

The details shown below are for a card with Suncorp Rewards

The details shown below are for a card with Qantas Frequent Flyer

Choose the version of this credit card that suits you best

  • Clear Options Platinum (Suncorp Rewards)

    Rewards: Suncorp Rewards

  • Clear Options Platinum (Qantas Frequent Flyer)

    Rewards: Qantas Frequent Flyer

Purchase rate
20.74% p.a.
Balance transfer rate
No current offer
Annual fees
$129
Interest free days on purchases
55
Purchase rate
20.74% p.a.
Balance transfer rate
No current offer
Annual fees
$178
Interest free days on purchases
55

Mozo editorial review Suncorp Clear Options Platinum

Last updated: 6 July 2020.

binocular icon
What's hot
  • Complimentary perks like travel insurance & concierge
  • Earn 1.25 points per $1 spent (with the Rewards card) or 0.5 points per $1 spent (with the Qantas card)
What's not
  • High 21.99% p.a. cash advance rate
Mozo snapshot

The Suncorp Clear Options Platinum Credit Card offers the flexibility of choice when it comes to rewards. You’ll be able to choose one of two cards, either earning Suncorp Rewards points through the (Rewards) card, or Qantas Frequent Flyer Points through the (Qantas) card. Add in a range of complimentary insurance features and this could be the card for you.

key icon
Key features

Sign up for a Suncorp Clear Options Platinum Credit Card and you’ll be able to choose from one of two rewards cards. By going with the Clear Options Platinum (Suncorp Rewards) card you’ll earn 1.25 points for every $1 spent which can be redeemed via the Suncorp Bank Rewards program for rewards such as flights through the Velocity, Emirates Skywards or Krisflyer programs. Alternatively, by upgrading to the Clear Options Platinum (Qantas Frequent Flyer) card for an additional $49 a year you could earn 0.5 Qantas Points for every $1 spent, which are automatically credited and must be redeemed via the Qantas Frequent Flyer program.

You can also snag triple Rewards Points on eligible purchases made in the first six months of having your card. On top of that, if you spend $3,000 on eligible transactions in the first 90 days after your card is approved, you could collect a tidy 50,000 bonus Suncorp Credit Points.

In addition to these rewards schemes, you’ll also be eligible to receive a number of complimentary insurance offers including international travel insurance, extended warranty and purchase protection, as well as the 24/7 concierge service.

The Suncorp Clear Options Platinum Credit Card comes with a $129 annual fee ($178 with the Qantas card) as well as a high 20.74% p.a. purchase rate and a $30 late payment fee, so you’ll want to pay off your balance in full. If you do pay your balance off in full each month then you’ll be able to take advantage of the 55 interest-free days.

snapshot
Who is it good for

The Suncorp Clear Options Platinum credit card is a great alternative for jet-setters looking for a choice in their rewards program while having access to a comprehensive range of insurance privileges to safeguard their travel and spending.

snapshot
Any catches

With a high purchase rate of 20.74% p.a. you’ll want to be sure to pay off your balance in full each month, especially with the $30 late payment fee.

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

1.25 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.

Earn triple Rewards points on everyday Eligible Transactions made in the first 6 months.

Special offers

Receive 50,000 bonus Suncorp Credit Card Rewards Points when you spend $3,000 on Eligible Transactions in the first 90 days from approval.

Value of rewards points

Spend $32,000 (Visa)

Spend $16,720 (Visa)

Spend $15,600 (Visa)

Spend $239,200 (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
  • 20.74% p.a.

  • none

  • No current offer

  • yes

  • 21.99% p.a.

  • 55

Fees
  • $129.00

  • 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

Concierge,
Travel Insurance,
Extended Warranty,
Purchase Protection,
Guaranteed Pricing

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

110,400 points

Fly Sydney to Melbourne one-way

8,000 points

$100 Giftcard

18,690 points

$100 Cash

-

Points earning

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

Rewards scheme

Points are automatically credited to the Qantas Frequent Flyer program.

All rewards are redeemed via Qantas Frequent Flyer.

Earn triple Rewards points on everyday Eligible Transactions made in the first 6 months.

Value of rewards points

Spend $37,380 (Visa)

Spend $16,000 (Visa)

Spend $220,800 (Visa)

at $8,000 monthly

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
  • 20.74% p.a.

  • none

  • No current offer

  • yes

  • 21.99% p.a.

  • 55

Fees
  • $178.00

  • 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

Concierge,
Travel Insurance,
Extended Warranty,
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 Platinum

  • Overall 10/10
    Great rewards.

    Great rewards and secure.

    Read full review

    Great rewards and secure.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Rocio, New South Wales reviewed 7 months ago
  • Overall 9/10
    Great credit card.

    Suncorp is very helpful. However finding a branch is hard.

    Read full review

    Suncorp is very helpful. However finding a branch is hard.

    Price
    7/10
    Features
    8/10
    Customer service
    9/10
    Convenience
    5/10
    Trust
    9/10
    Less
    Nicole, Victoria reviewed 11 months ago
  • Overall 10/10
    A good choice for personal banking and credit card

    Suncorp have good customer service, the phone help is always fast to solve problems and the online banking is very easy.

    Read full review

    Suncorp have good customer service, the phone help is always fast to solve problems and the online banking is very easy.

    Price
    8/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    8/10
    Trust
    10/10
    Less
    Rita, New South Wales reviewed over 4 years ago
  • Overall 3/10
    Poor communications, not proactive

    Terrible customer service from Citibank. Changed to Citibank a few years back and very poor communications

    Read full review

    Terrible customer service from Citibank. Changed to Citibank a few years back and very poor communications

    Price
    4/10
    Features
    6/10
    Customer service
    0/10
    Convenience
    4/10
    Trust
    0/10
    Less
    Jason, Queensland reviewed almost 5 years ago
  • Overall 10/10
    Perfect!

    Best credit card service; best bank overall. Personalised features are a big win.

    Read full review

    Best credit card service; best bank overall. Personalised features are a big win.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10
    Less
    Adriaan, New South Wales 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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