Suncorp Clear Options Standard Credit Card

0% p.a. for 20 months on balance transfers. 1% balance transfer fee applies.5

Balance transfer reverts to cash advance rate.

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Front of Suncorp standard credit card

Front of Suncorp standard credit card

Why choose the Suncorp Clear Options Standard Credit Card?

Take advantage of our lowest interest rate on purchases and our lowest annual fee – all in one great card.

Annual Fee (Introductory offer)
$0 for the first year, $55 thereafter.5

Introductory offer:

0% p.a. for 20 months on balance transfers. 1% balance transfer fee applies.5

Balance transfer reverts to cash advance rate.

Credit limit 

$2,000 - $20,0002


Purchase Rate: 

12.74% p.a.

Cash Advance Rate

21.99% p.a.1

Interest Free Period

NIL days on retail purchases


Annual Fee


Withdrawing money from within Australia

3.5% of transaction amount, minimum charge of $3.50

Late payments

$30 each time we do not receive the Minimum Payment Due and any Overdue Amount by the payment due date, debited to your Account after the payment due date. The Minimum Payment Due, any Overdue Amount, and payment due date are detailed on your statement of account.

Dishonoured payments of cheques and Easi-Pay

$15 fee will be charged to your acccount at the time of dishonour, and interest is charged on the outstanding amount. 

Making purchases overseas

3.40% International Transaction fee 4

Withdrawing money overseas

1.50% cash advance fee (after conversion to australian dollars) and you may be charged a foreign currency exchange fee (if you're withdrawing in a foreign currency). Use of ATMs not owned by suncorp may also incur a foreign ATM fee. $1000 withdrawal limit applies.

Exceeded credit limit

A $40 overlimit fee applies when your credit limit is exceeded, debited to your account on the date your credit limit is exceeded and on each statement date in subsequent statement periods if your account remains overlimit. Overlimit fee applies to accounts activated prior to 1 July 2012.  

Apple Pay®.
Helping you pay
on the go.

Suncorp Bank is making it easy to pay using your iPhone or Apple Watch, with Apple Pay now available.

You can now add your debit card or Suncorp Clear Options Credit Card.

Find out more

Suncorp and apple pay logos

Credit Card Terms & Conditions

For more details about our Clear Options Standard Credit Card download our Credit Card Terms and Conditions Document.

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Terms and conditions, fees and charges apply and are available on request. Existing Suncorp Bank Credit Cardholders are not eligible to apply for introductory offers. Introductory offers cannot be used in conjunction with any other credit card introductory offers unless otherwise specified.

To obtain a copy of the respective Target Market Determination (TMD) document related to Suncorp Clear Options Credit Cards, please visit the forms and documents page.

1. The Annual Percentage Rates for cash advances for the Suncorp Clear Options Standard card is currently 21.99% p.a. The Annual Percentage Rate for purchases is currently 12.74% p.a. Interest rates are variable and subject to change. Interest rates current as at 1 July 2023.

2. Actual Credit Limit will be assigned based on NAB's Credit Criteria, your credit rating and subject to confirmation that you earn a minimum of $25,000 p.a. for the Suncorp Clear Options Standard card.

3. Visa Entertainment Offers supplied by Visa. Visit for details.

4. We charge you an international transaction fee of 3.4%, of which a 1% service and assessment fee is payable by us to Visa, for any retail purchase or cash advance transaction in; Foreign currency, once converted to Australian dollars; and/or Australian dollars (or any other currency), when either the merchant or its financial institution/payment processor is located overseas. Note: It may not always be clear that the merchant or its financial institution/payment processor is located outside Australia.

5. Suncorp Clear Options Standard Credit Card Introductory offer of 0% p.a. for 20 months on balance transfers applies.  Your total Balance Transfers may not exceed 80% of your Credit Limit. The 0% p.a. interest rate will apply to balances transferred with this offer, and the balance transfer fee, for a period of 20 months. The 20 months promotional period commences when the Balance Transfer is processed, and you must make the Balance Transfer request within the first 3 months from approval to receive this offer. The balance transfer fee is 1% of the balance transferred will be debited to your account on the day or the day after your balance transfer is processed. At the end of the Balance Transfer period, the interest rate on any outstanding transferred balance, and balance transfer fee, will revert to the applicable Annual Percentage Rate for Cash Advances, currently 21.99% p.a. For important information to consider before taking up a balance transfer, please refer to our balance transfer FAQs. This offer is valid until 28 August 2024. Post this advertised date, NAB reserves the right to continue, withdraw or change the offer at any time without notice. 

This offer is not available when closing or transferring from another Suncorp branded credit card account or in conjunction with any other Suncorp branded credit card offer.

Apple, the Apple logo, Apple Pay and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries and regions.

App Store is a service mark of Apple Inc.

National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) is the credit provider and issuer of Suncorp Clear Options Credit Cards. Suncorp-Metway Ltd ABN 66 010 831 722 (“Suncorp Bank”) promotes and distributes Suncorp Clear Options Credit Cards on NAB's behalf under an agreement with NAB. NAB has acquired the business relating to this credit from Citigroup Pty Ltd (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”) and has appointed Citi to assist to administer the Credit Cards. Suncorp Bank will not guarantee or otherwise support NAB's obligations under the contracts or agreements connected with the Credit Cards (other than those relating to Internet Banking and Telephone Banking).