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Suncorp Clear Options Gold

Suncorp Clear Options Gold

2.8 from 4 reviews · View Statistics

Are rewards credit cards worth it?

Getting rewarded for spending money sounds like an ideal scenario. But will a rewards card really give you bang for your buck? This short guide will take you through the things to think about before signing up for a new rewards credit card.

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Pros

  • Earn 1 Reward Point per dollar spent up to $1,500 per month

  • Add up to four additional cardholders for no extra cost

Cons

  • 3.40% International Transaction Fee

  • Points Earn Rate drops to 0.5 points per $1 spent after the first $1,500 per month

Details

CategoryRewards Credit Cards
Card TypeVisa
Minimum Credit Limit A$5,000
Maximum Credit Limit A$25,000
Minimum Income A$30,000
Additional Cardholders 4
Additional Cardholder Fee A$0 p.a.
Minimum Repayments2.5%
Rewards ProgramSuncorp Rewards
Points Earn Rate 1 points per $1
Points Conditions
  • 1 point per $1 spent up to $1,500 per month

  • 0.5 points per $1 spent after the first $1,500 per month

Contactless PaymentsApple Pay, Google Pay and Samsung Pay
Rates & Fees
Purchase Rate20.50% p.a.
Cash Advance Fee3.5%
Late Payment FeeA$30
Annual FeeA$120 p.a.
Foreign Transaction Fee 3.4%
Overseas ATM Withdrawal FeeA$5
Interest Free Period 55 days
Cash Advance Rate21.99% p.a.
Release dateMay 2007

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Reviews

2.8

4 reviews
5
(0)
3
(0)
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    Gourmetcook

    Gourmetcook

    • 28 reviews
    • 46 likes

    Avoid Suncorp they do not listen

    published
    Nick4929

    Nick4929Brisbane

    • 2 reviews
    • 1 like

    OK card, poor features and service

    published

    As a credit card product it is ok - far from the cheapest on the market but no other compaints with the card itself. I have several products with Suncorp and I think the internet banking/online card management is excellent. We have had several issues with the rewards programme - rewards cards going missing, lack of investigation/returned calls/follow up - its been five months, at least a dozon calls, and all I hear from them is to fill out yet another Stat Dec to get a replacement issued (I am now waiting for replacement number 3). The service is very poor, which is unfortunately common in my experience across all Suncorp products
    Its Visa. online banking and card management
    expensive, poor service, dodgy rewards programme

    Beno74

    Beno74NSW, 2444

    • 5 reviews
    • 2 likes

    Good

    published
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    jarcel

    jarcel

    • 15 reviews
    • 3 likes

    Good

    published

    I have the card linked to my other accounts and I have never had any hassles with Suncorp. Once set up you can check things out on line or by phone and there are generally no surprises. You may be able to get a slightly cheaper rate else where but this product is good and honest. I didnt link other programs to the card as this generally inflates the price for things that in real terms are cheaper to buy - ie frequent flyer points.
    It works well, Suncorp provide great backup service
    Its a credit card - who likes paying interest?

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