Terms and conditions, fees and charges apply and are available on request. Interest rates are variable and subject to change. Interest rates current as at 1 June 2025.
To obtain a copy of the respective Target Market Determination (TMD) document related to Suncorp Bank Clear Options Credit Cards, please visit our Card Services page.

1. The interest free period applies when you pay your full closing balance from your last statement of account by the payment due date (excluding any fixed payment option balance which isn’t due for payment by that payment due date). No interest free period is available on cash advances or balance transfers. Whilst you have a balance transfer you will be charged interest on your daily unpaid balance.


2. All Rewards are subject to the Terms and Conditions of the Suncorp Bank Credit Card Rewards Program. An Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, transactions made in operating a business, payments to other Suncorp Bank accounts, bank fees and charges such as interest and ATM charges, transactions made using Points and government related transactions. Please refer to the full definition of Eligible Transaction which is set out on page 3 of the Rewards Program terms and conditions for further information on government related transactions in addition to how an Eligible Transaction will be determined.


3. All rewards are subject to the Terms and Conditions of the Suncorp Bank Credit Card Rewards program for Suncorp Bank Clear Options Business Credit Cards. The Suncorp Bank Clear Options Business Credit Card earns 1 Point per dollar spent on Eligible Transactions up to 80,000 Points per card per 12 month period. An Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and travellers cheques, payments to other Suncorp Bank accounts, bank fees and charges such as interest and ATM charges, transactions made using Points and government related transactions. Please refer to the full definition of Eligible Transactions which is set out on page 3 of the Business Rewards Program terms and conditions for further information on government related transactions in addition to how an Eligible Transaction will be determined.


4. Rewards Points earn rates differ depending on which rewards program you are enrolled in. Customers receive 0.5 Qantas Frequent Flyer points for every $1 spent (capped at $8,000 per statement period). Certain transactions do not earn reward points. An Eligible Transaction means any purchase excluding (but not limited to) Cash Advances, Balance Transfers, Special Promotions, BPAY payments, purchases of foreign currency and traveller cheques, transactions made in operating a business, payments to other Suncorp Bank accounts, bank fees and charges such as interest and ATM charges, transactions made using Points and government related transactions. Please refer to the full definition of Eligible Transaction which is set out on page 3 of the Rewards Program terms and conditions, which provides further information on government related transactions in addition to how an Eligible Transaction will be determined. Terms and Conditions of Suncorp Bank Qantas Frequent Flyer Rewards Program apply. The Suncorp Bank Clear Options primary cardholder must be a member of the Qantas Frequent Flyer program to earn Qantas Frequent Flyer points. A joining fee applies. Only Qantas Frequent Flyer points can be earned in Suncorp Bank Qantas Frequent Flyer Rewards Program and are subject to the terms and conditions of the Qantas Frequent Flyer Rewards Program. You can only be enrolled in one rewards program.


5. Complimentary insurance covers: Terms, limitations, conditions and exclusions apply. Refer to the Complimentary Insurance Policy Information Booklet for further information. AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued a Complimentary insurance group policy to National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) which allows eligible NAB account holders and cardholders to claim under it as third party beneficiaries by operation of s48 of the Insurance Contracts Act 1984 (Cth). NAB is the credit provider and issuer of Suncorp Bank credit cards. NAB has acquired the business relating to these products from Citigroup Pty Limited (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”). Citi has agreed with NAB to provide transitional services in relation to the transferred business. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or needs. The terms, conditions, exclusions, limits and applicable sub-limits of the group policy are set out in the Suncorp Bank Credit Cards Complimentary Insurance Policy Information Booklet effective 1 July 2025 which may be amended from time to time. For insurable events that occurred prior to 1 July 2025, please refer to the Suncorp Bank Credit Cards Complimentary Insurance Policy Information Booklet effective 1 November 2023. Neither NAB nor Citi nor any of its related corporations guarantee this insurance.


6. Visa Entertainment Offers supplied by Visa. Visit www.visaentertainment.com.au for details.


7. 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.