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BANK OF THE YEAR
FOUR YEARS IN A ROW
Suncorp Internet Banking makes managing your money online simple, safe and convenient.
You'll need your Credit Card number and the password you created during your application.
Once registered, Click on ‘Go to Credit Card Services’ > Card Services > Card Activation/Deactivation to activate your new card.
Then go to Card Services > Change Card PIN to set your PIN.
Receive your credit card statements and notices securely and quickly via email.
Select 'Go to Credit Card Services' > Electronic Communications > Electronic Delivery Options.
Please ensure we have your email address on file, if not, please contact us to update your details.
It is important you read the Terms and Conditions for the Suncorp Clear Options Credit Cards and understand your rights and obligations.
Terms and Conditions are available below ; you can download them and retain for your records.
Credit Cards T&Cs
Changes to Suncorp Credit Card Terms and Conditions – Effective 15 May 2024
Suncorp Credit Card Terms and Conditions
Rewards T&Cs
Suncorp Credit Card Rewards and Frequent Flyer Rewards
Complimentary Insurance T&Cs
Suncorp Bank Credit Cards Complimentary Insurance Policy Information Booklet
To obtain a copy of the Target Market Determination (TMD) related to this product, click here
What can you do in Credit Card Services on Internet Banking?
There are so many self-servicing functions available in Credit Card Services:
A One-Time PIN (OTP) will be sent to your mobile number to ensure we have your correct details. You will need the OTP to access Credit Card Services functions.
For more information about OTP, go to the Credit Card FAQs
Concerned about online security, head to our Online Security page to find out ways you can stay safe online.
Instalment Plans6 available
Convert eligible retail balance or big purchases into smaller, fixed monthly repayments at a promotional rate over a range of selected periods.
Visa Entertainment
Enjoy access to exclusive pre-sales, offers and competitions
Visa payWave
‘wave and go’ for faster purchases under $100
Additional Cardholders
Add up to four additional cardholders for no extra cost (additional cardholders must be at least 16 years old)
24/7 Customer Service
Help anywhere, anytime is only a phone call away. Call us on 13 11 55
Emergency Card Replacement
Lost cards can be replaced within 24 hours in Australia.
Verified by Visa
Added security and authorisation for online purchases.
Security & Fraud Protection
With FRAUDSHIELD® and Visa Zero Liability.
| Platinum | Gold | Plus | Standard | |
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| Purchase Protection Insurance |  |
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| International Travel Insurance | |
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| Extended Warranty Insurance | |
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| Rental Vehicle Access Insurance in Australia | |
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Earning points is easy when you use your card for everyday purchases like groceries, fuel and eating out. Additionally, use your card on your monthly direct debit payments like entertainment subscriptions or gym membership and earn points faster.
As a Suncorp Credit Card 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:
Online: your points balance and redeem online through Suncorp Internet Banking - 24 hours a day, 7 days a week.
View the latest online rewards catalogue.
Phone:Contact our Suncorp Credit Card Rewards Team on 13 11 55 during business hours. Please note - only the primary cardholder and authorised persons may redeem Suncorp Credit Card Rewards Points
Pay with your points. Redeem your Suncorp Credit Card reward points for eligible purchases8 and receive a statement credit back on your account.
| Your monthly spend (Eligible Transactions - domestic)2 |
$
|
|
| Suncorp Clear Options Platinum Credit Card | Suncorp Clear Options Gold Credit Card | |
| Suncorp Credit Card Rewards | 0 Point | 0 Point |
| Suncorp Credit Card Qantas Frequent Flyer | 0 Point | |
Suncorp Clear Options Platinum Card |
|
|
Annual Fee |
$129 |
|
Retail APR |
20.74% |
|
Cash APR |
21.99% |
|
Interest Free Days |
Up to 55 days4 |
|
Cash Advance Fee |
3.5% of transaction amount, minimum charge of $3.50 |
|
Cash Advance Fee (International) |
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. |
|
International Transaction Fee |
3.40% International Transaction Fee5 |
|
Dishonour Fee |
$15 fee will be charged to your account at the time of dishonour, and interest is charged on the outstanding amount. |
|
Late Payment Fee |
$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. |
|
Over Limit Fee |
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. |
Suncorp Clear Options Gold Card |
|
|
Annual Fee |
$120 |
|
Retail APR |
20.50% |
|
Cash APR |
21.99% |
|
Interest Free Days |
Up to 55 days4 |
|
Cash Advance Fee |
3.5% of transaction amount, minimum charge of $3.50 |
|
Cash Advance Fee (International) |
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. |
|
International Transaction Fee |
3.40% International Transaction Fee5 |
|
Dishonour Fee |
$15 fee will be charged to your account at the time of dishonour, and interest is charged on the outstanding amount. |
|
Late Payment Fee |
$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. |
|
Over Limit Fee |
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. |
Suncorp Clear Options Standard Card |
|
|
Annual Fee |
$55 |
|
Retail APR |
12.74% |
|
Cash APR |
21.99% |
|
Interest Free Days |
0 |
|
Cash Advance Fee |
3.5% of transaction amount, minimum charge of $3.50 |
|
Cash Advance Fee (International) |
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. |
|
International Transaction Fee |
3.40% International Transaction Fee5 |
|
Dishonour Fee |
$15 fee will be charged to your account at the time of dishonour, and interest is charged on the outstanding amount. |
|
Late Payment Fee |
$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. |
|
Over Limit Fee |
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. |
|
Suncorp Clear Options Platinum Card |
Suncorp Clear Options Gold Card |
Suncorp Clear Options Standard Card |
|
|
Annual Fee |
$129 |
$120 |
$55 |
|
Retail APR (Purchase Rate) |
20.74% |
20.50% |
12.74% |
|
Cash APR (Cash Advance Rate) |
21.99% |
21.99% |
21.99% |
|
Interest Free Period |
Up to 55 days4 |
Up to 55 days4 |
0 |
|
Cash Advance Fee |
Withdrawing money from within Australia 3.5% of transaction amount, minimum charge of $3.50 |
||
|
Cash Advance Fee (International) |
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. |
||
|
International Transaction Fee |
Making purchases overseas 3.40% International Transaction Fee5 |
||
|
Dishonour Fee (Dishonoured payments of cheques and Easipay) |
$15 fee will be charged to your account at the time of dishonour, and interest is charged on the outstanding amount. |
||
|
Late Payment Fee |
$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. |
||
|
Over Limit Fee (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. |
||
Make contactless payments on the go with your smartphone or smartwatch
Apple Pay® 
Google Pay™ 
There are many methods of making payments to your credit card. These include:
BPAY®
Simply contact your participating bank, credit union or building society to pay your credit card. All you need is your credit card number and the BPAY® Biller Code of 999532.
Direct Debit / Autopay
Setting up Direct Debit is simple. Please complete the Direct Debit form and then simply return it your nearest Suncorp Bank either in person, or post.
Note: We may be unable to set up your Direct Debit request by your next payment due date. Please call us on 13 11 55 before you make a manual payment to confirm if your request has been set up.
Mail
Send a cheque payment to:
Suncorp Bank
GPO Box 5247
Sydney NSW 2001
Suncorp Bank Telephone Banking
Pay in person at a Suncorp branch
Details of repayment options are included on your monthly credit card statement.
If you’ve misplaced your Credit Card, you can temporarily lock your card while you look for it. You can as easily unlock it when you find it. While your card is locked, all payments will be declined until you unlock or call us.
Log into Suncorp Internet Banking, Go to Credit Card Services > Card Services > Card Activation/Deactivation. An OTP will be required.
However, if your Credit Card is lost or stolen please call us immediately on 13 11 55 and follow the prompts, we're available 24/7 (or from overseas on +61 7 3362 1712). A member of our Customer Service Team will immediately block your old card and re-issue you with a new card. Allow up to 7 working days for the new card to arrive in the post.
We’ll also go through the recent transactions on your account so we can see if there have been any unauthorised transactions made.
Here are some tips for your travels
Get a PIN for your credit card
If you haven’t already, make sure you set up your PIN as merchants in other countries may not accept signatures when authorising transactions paid for by credit cards.
Which overseas ATM should you use?
Make sure that the symbols on the ATM correspond with your card so that you can access the account you want. Remember that additional fees and charges apply.
For access to:
Visa credit and debit cards: use Visa Plus ATMs.
Overseas fees and charges
If you make purchases overseas with your Suncorp Clear Options Credit Card, or withdraw cash from ATMs, fees and charges are applicable. Refer to the fees and charges section to find out more information.
Before you leave Australia
Check the expiry date on all the Cards you are taking with you to ensure they will not expire while you are away. If you need a replacement card, or want to change to a different credit card, contact us on 13 11 55.
Remember to set up your Suncorp Internet Banking before you go, so that you can access your accounts while travelling.
If you’re away for a long time, it may be worth changing to eStatement and setting up direct debit autopay. It will be a convenient way to receive your Credit Card Statement via email, it also ensures that your monthly credit card payment is paid on time and can help avoid unintended late payment fees.
With your Suncorp Clear Options Credit Card you can have up to 4 Additional Cardholders linked to your account at no additional cost. It’s a convenient way of making sure your family share the benefits of the Credit Card, as well as an easy way to earn Reward Points if you are enrolled in the Suncorp Credit Card Rewards Program.
We give Additional Cardholders their own card. Any transactions made using these cards will be listed separately on your card statement, so you can easily keep track of who’s spending what. It’s important to know that Additional Cardholders must be aged over 16 and the primary cardholder is responsible for each additional cardholders’ transactions.
To request additional cards on your account, you can either:
Log into Suncorp Internet Banking and click on ‘Go to Credit Card Services’.
Go to Card Services > Additional Cardholder. An OTP will be required. Once on the Additional Cardholder screen you will need to follow the prompts
Call us on 13 11 5513 11 55
Fill in the application form for additional cardholders and pop it in the post.
To decrease your Credit Limit
Log into Suncorp Internet Banking and click ‘Go to Credit Card Services’.
Click on Card Services > Credit Limit Decrease. An OTP will be required. Once on the Credit Limit Decrease screen you will need to follow the prompts
You can also call us on 13 11 55 to request this.
It is important to note that your Credit Limit can't be lower than your product minimum and should you wish to reinstate your previous Credit Limit after it is decreased, your application to increase your Credit Limit will be subject to our lending criteria at that time.
Before you dispute a transaction
It's important to query a transaction yourself before you contact us about a dispute. We also advise that you discuss the transaction with your Additional Cardholder, if you have one. Visa have set rules and timelines for the dispute process, which can sometimes take up to 180 days to resolve.
Compare your receipts and statement
Some merchants may have a different name or location than what’s listed on your statement or on Suncorp Internet Banking. It may help to look at your receipts and see if the amounts charged matches a recent purchase or transaction.
The dates can be different
There can be a delay (sometimes up to 7 days) between when you made the purchase and when it’s posted to your account.
The amount charged shows up differently
This could happen if a purchase is made overseas, or from a merchant that’s located overseas, as the amount may change based on the currency exchange rate for that day. Also, when the purchase is made during public holidays, as some merchants may add surcharges or other transaction fees.
Contact the merchant directly
The merchant may be able to quickly and easily resolve issues like:
Disputing a transaction
In order for us to act on your behalf we need you to provide us with all the available information and supporting documentation along with the dispute form signed by the Account holder.
Once we receive the completed dispute form and all supporting documentation we will liaise directly with the merchant's bank to request a copy of the transaction voucher (invoice) if appropriate (charges may apply) or a reversal of the charge.
Dispute cases can take up to a maximum of 180 days depending on the nature of the dispute and it is important for you to stay in contact with us and assist with the case until a resolution is achieved.
It’s important to know that ‘unauthorised transactions’ are charges that a cardholder claims to have never authorised. Suncorp must block your card before pursuing the dispute with the merchant's bank.
You are able to request to close your credit card account through:
You can easily reset your Suncorp Internet Banking password online if you have a registered mobile phone number with us.
If you don’t, simply contact us or visit a local Suncorp Branch store and we’ll take you through the process of selecting a new Internet Banking password.
It's really important to keep us up to date with your contact details, especially your mobile number as you will need this to access Credit Card Services.
Log into Suncorp Internet Banking and on the menu on the left, click on ‘Settings and Security’.
Then the top tab, click on ‘Update Contact Details’. Please allow up to 2 business days for this information to be updated on to your Credit Card Account.
Alternatively, give us a call on 13 11 55, we’re available 24/7.
For more information go to the Credit Card FAQs
If your card has been lost, stolen or is no longer working, please call us immediately on 13 11 55.
If you see any fraudulent transactions on your account contact us immediately.
Please remember that you should never share your PIN with anyone (including family or friends) and avoid picking an obvious number like 1111 or a birth date.
We recommend that you memorise your Security Code and then destroy any records of it.
If you are experiencing or expecting a period in which you are unable to meet your financial commitments, at Suncorp Bank, we're committed to helping you out.
For more information on how we can assist you, please visit our Financial Difficulty page.
Sometimes things can go wrong, and when they do, you can talk to staff at your local Suncorp Branch store or visit the Contact Us page
For more information on addressing your complaint, please visit our Dispute Resolution page.
Our friendly team of consultants are here to help.
Send us an email and one of our Banking Specialists will respond to your enquiry
Terms and conditions, fees and charges apply and are available on request.
For full terms and conditions, please refer to the Suncorp Credit Card Terms and Conditions.
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 Suncorp Internet Banking and Suncorp Telephone Banking).
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