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 |
|---|---|---|---|---|
|
0% p.a. for 6 months then 12.74% p.a. |
0% p.a. for 20 months and then 21.99% p.a. (1.00% balance transfer fee) |
$55 |
0 |
| Product | Purchase rate | Balance transfer rate | Annual fees | Interest free days on purchases |
|---|---|---|---|---|
|
0% p.a. for 6 months then 12.74% p.a. |
0% p.a. for 20 months and then 21.99% p.a. (1.00% balance transfer fee) |
$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 |
20.74% p.a. |
No current offer |
$129 |
|
|
1.25 points per dollar on Visa, uncapped |
20.74% p.a. |
0% p.a. for 9 months and then 21.99% p.a. |
$129 $99 in the first year |
|
|
0.5 points per dollar on Visa, up to $8,000 per month |
20.74% p.a. |
0% p.a. for 12 months and then 21.99% p.a. |
$178 |
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 9 months and then 21.99% p.a. |
$129 $99 in the first year |
|
|
0.5 points per dollar on Visa, up to $8,000 per month |
20.74% p.a. |
0% p.a. for 12 months and then 21.99% p.a. |
$178 |
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 12 months and then 21.99% p.a. |
$178 |
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.
437 Reviews
like many thought we'd lost our prepaid holiday during COVID, chasing online travel firm on phone /emails without success, put on a visit to local Suncorp branch, this came up in general talk, Knowing it was paid for on Visa, we were able to supply details for a - no service provided form, and ended up getting our money back. Thank You Suncorp.
Read full reviewlike many thought we'd lost our prepaid holiday during COVID, chasing online travel firm on phone /emails without success, put on a visit to local Suncorp branch, this came up in general talk, Knowing it was paid for on Visa, we were able to supply details for a - no service provided form, and ended up getting our money back. Thank You Suncorp.
Good policy with changes for interest opportunity
Read full reviewGood policy with changes for interest opportunity
There are no extra benefits or rewards with the card. Very hard to increase limit. Branches are pretty much non existent. Monthly fees apply. Other cards have rewards associated, customer service is excellent with the other bigger providers. I only have this card as I was once an employee:
Read full reviewThere are no extra benefits or rewards with the card. Very hard to increase limit. Branches are pretty much non existent. Monthly fees apply. Other cards have rewards associated, customer service is excellent with the other bigger providers. I only have this card as I was once an employee:
The credit card works well, I convert my points to Velocity which is great for me. We have claimed on the international travel insurance which was effortless and paid out fast. We also had the card hacked. As soon as I found out and called Suncorp, they cancelled the card and sent a new one which arrived 3 days later. Fast, effective and lovely to deal with. Its a platinum card so it costs money to have but considering the insurance it covers, this makes up for it. It also has a high interest rate which if you pay the card off once a month, isn't an issue.
Read full reviewThe credit card works well, I convert my points to Velocity which is great for me. We have claimed on the international travel insurance which was effortless and paid out fast. We also had the card hacked. As soon as I found out and called Suncorp, they cancelled the card and sent a new one which arrived 3 days later. Fast, effective and lovely to deal with. Its a platinum card so it costs money to have but considering the insurance it covers, this makes up for it. It also has a high interest rate which if you pay the card off once a month, isn't an issue.
They duplicate my profiles and it takes 1 month to merge the profiles, i cannot see my CC transactions and points balance online. very slow and frustrating
Read full reviewThey duplicate my profiles and it takes 1 month to merge the profiles, i cannot see my CC transactions and points balance online. very slow and frustrating
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.