BUSINESS CREDIT CARD

Suncorp Clear Options Business Credit Card

Streamline your expenses and cash flow with one convenient credit card account with the option to add up to 99 additional card holders.

BUSINESS CREDIT CARD

Suncorp Clear Options Business Credit Card

Streamline your expenses and cash flow with one convenient credit card account with the option to add up to 99 additional card holders.

Recipient of Canstar's 2023 award for

Outstanding value - Rewards Business Credit Cards

Recipient of Canstar's 2023 award for

Outstanding value - Rewards Business Credit Cards

55 day interest-free

Retail Purchases

Retail Purchases are all purchases of goods or services charged to the Credit Card, excluding all Cash Advances, Balance Transfers, Instalment Payment Plans, fees and charges.)

Interest-free period of up to 55 days on retail purchases.3

Add up to 99 additional card holders

Set a monthly limit and receive individual statements for up to 99 card holders.

Personal Business Assistant

We can assist Rewards customers with travel, event and hotel bookings, gift shopping conference services and more.

$45

Annual Fee

18.45% p.a.1

Purchase Rate

19.45% p.a.1

Cash Advance Rate

$2,000 minimum limit

$250,000 maximum limit
subject to approval 

Rates

Purchase Rate

Cash Advance Rate

18.45% p.a.1

19.45% p.a.1

Interest-Free Period

Up to 55 days on retail purchases.3

Fees

Annual Fee

Additional Card Holder Fee

$45

$45

Statements & information requests

We'll send you a free monthly statement if you've used your card or maintained a balance during the previous month. $14 for additional statements and requests.

Making purchases overseas

International Transaction Fee5 of 3.40%

 

Withdrawing money 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 account at the time of dishonour, and interest is charged on the outstanding amount.

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 Bank 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.

55 day interest-free

Interest-free period of up to 55 days on retail purchases.3
 

Add up to 99 additional card holders

Set a monthly limit and receive individual statements for up to 99 card holders.
 

Personal Business Assistant

We can assist Rewards customers with travel, event and hotel bookings, gift shopping conference services and more.
 

$45

Annual Fee

18.45% p.a.1

Purchase Rate

$2,000 minimum limit

$250,000 maximum limit
subject to approval 

19.45% p.a.1

Cash Advance Rate

Rates

Purchase Rate

Additional Card Holder Fee

18.45% p.a.1

19.45% p.a.1

Interest-Free Period

Up to 55 days on retail purchases.3

Fees

Annual Fee

Cash Advance Rate

$45

$45

Statements & information requests

We'll send you a free monthly statement if you've used your card or maintained a balance during the previous month. $14 for additional statements and requests.


Making purchases overseas

International Transaction Fee 5 of 3.40%
 

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 Bank 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.


Rewards Membership Fee

Standard $20 annually per card

Premium $69 annually per card
 

Withdrawing money 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 account at the time of dishonour, and interest is charged on the outstanding amount.

Earning reward points

Business Credit Card holders can participate in the Suncorp Bank Credit Card Rewards program with a choice of two levels of membership2. You can redeem points at an individual or business level. 

Standard Rewards Membership

  • $20 p.a. per card issued
  • Earn 1 Suncorp Bank Credit Card Rewards Point for every dollar spent on Eligible Transactions (up to 80,000 points per card per year)2

Premium Rewards Membership with Qantas Frequent Flyer

  • $69 p.a. per card issued
  • Earn 1 Suncorp Bank Credit Card Rewards Point for every dollar spent on Eligible Transactions (up to 80,000 points per card per year)2
  • Redeem 2.5 Suncorp Bank Credit Card Rewards Points for 1 Qantas Frequent Flyer Point

From 15 June 2024, the Premium Reward Membership option will no longer available for Suncorp Business Credit Cards. This change is detailed in the document Changes to Suncorp Business Credit Card Premium and Standard Rewards Membership – Effective 15 June 2024.

More card features

Worldwide ATM Access

Accepted at over 29 million locations and ATMs in more than 170 countries.

Our Suncorp Bank Business Credit Card is protected by

 
 
 
 
 

Visa Secure for added security
and authorisation for online purchases.

Visa payWave

Contactless payments offer a quick and easy way to pay. ‘Tap to Pay’ for faster purchases under $100. 

  • Security & Fraud Protection with FRAUDSHIELD® and Visa Zero Liability.

Visa Entertainment

Enjoy access to exclusive pre-sales, offers and competitions.4

  • Lost Card Replacement within 24 hours in Australia.

More card features

Worldwide ATM Access

Accepted at over 29 million locations and ATMs in more than 170 countries.

Visa payWave

Contactless payments offer a quick and easy way to pay. ‘Tap to Pay’ for faster purchases under $100. 

Visa Entertainment

Enjoy access to exclusive pre-sales, offers and competitions.4

Our Suncorp Bank Business Credit Card is protected by

 
 

Visa Secure for added security and authorisation for online purchases.

  • Security & Fraud Protection with FRAUDSHIELD® and Visa Zero Liability.
  • Lost Card Replacement within 24 hours in Australia.

Before you apply for a Suncorp Clear Options Business Credit Card

  • The business has to have been trading/operating for at least 2 years
  • The business has at least two consecutive years of financial information

To apply:

Within Australia call: 1300 628 578

Overseas call: +61 7 3362 1712

Or visit us in branch

Credit card support

If you believe your account has been compromised, support is available 24/7

Lost or stolen cards

Within Australia call: 1300 628 578

Overseas call: +61 7 3362 1712

Suspicious credit card transactions

Within Australia call: 1300 221 576

Overseas call: +61 7 3362 1712

Existing business customers

  • Useful forms
  • Redeeming reward points

As a Suncorp Bank Rewards Member, you can redeem your points as often as you like for a reward that suits you. There are two easy ways to redeem:

Visit Internet Banking

View your points balance & redeem online 24 hours a day,
7 days a week.  View the latest online rewards catalogue.

Call Suncorp Bank Rewards Centre 1300 628 578

Monday - Friday, 8am – 5.30pm AEST.

Note - only the main card holder and authorised persons may redeem Suncorp Bank Reward points.

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 apple pay logo

Clear Options Business Credit Card Terms and Conditions Document

Notice of changes to Credit Card Terms and Conditions and Other Important Information

Business Rewards Terms & Conditions Document

Changes to Suncorp Business Credit Card Premium and Standard Rewards Membership – Effective 15 June 2024

Terms and conditions, fees and charges apply and are available on request. Existing Suncorp Bank Credit Card holders 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.

1. The Annual Percentage Rates for cash advances for the Suncorp Clear Options Business card is currently 19.45% p.a. The Annual Percentage Rate for purchases is currently 18.45% p.a. Interest rates are variable and subject to change. Interest rates current as at 01/04/2020.

2. All rewards are subject to the Terms and Conditions of the Suncorp Credit Card Rewards program for Suncorp Clear Options Business Credit Cards. The Suncorp 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.

3. 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 on balance transfers. Whilst you have a balance transfer you will be charged interest on your daily unpaid balance.

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

5. 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.

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 Bank 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).

The Canstar 2023 Outstanding Value Rewards Award was received in July 2023 for the Suncorp Clear Options Business Credit Card.
For more information on Canstar awards, go to www.canstar.com.au

 

Retail Purchases

Retail Purchases are all purchases of goods or services charged to the Credit Card, excluding all Cash Advances, Balance Transfers, Instalment Payment Plans, fees and charges.)