Suncorp Clear Options Platinum Credit Card
Ended — kept for reference
This page is my best effort to summarise the card's terms from the information I found. Read the bank's terms for full details, or contact the bank if you have questions.
I'd like to use my bonus for:
Can I get this?
This offer is advertised to the public. Bonus conditions and the bank’s approval requirements still apply.
Can I get this bonus if I have held a card before?
I have not checked the waiting period for this bonus.
See the waiting rules for every Australian bank →What must I spend?
$4,500 within 90 days — about $1,500 per month.
Can I get the card?
The minimum credit limit is $6,000. This is the least the bank may let you borrow.
You must earn at least $35,000 a year.
Meeting the bonus rules does not mean the bank will approve your application. The bank must assess and approve the card separately.
How long is this available?
The listed end date has passed: 9 June 2025. Date comparison uses the Australia/Sydney calendar. The issuer’s closing time and timezone are not recorded. Check availability with the issuer.
Should I keep it after the first year?
Keeping the card costs $129 each year ($129 annual fee) — the first year was $129.
There is no bonus in year two. The fee buys points on your spending, plus the card's perks.
Ongoing earn: 1.25x Suncorp points per $1.
Keeping pays off only if the ongoing earn and benefits are worth $129/yr to you.
$500 in Woolworths gift cards (104,200 of 105,625 Suncorp points; 1,425 left over) − $129 card fee. Assumes you earn the bonus and pay in full; extra spend or interest changes the outcome.
This offer has ended. I keep this page so you can check the old terms.
What this calculation assumes
- You make the required purchases and the bonus is paid.
- You pay the balance in full — any interest changes the outcome.
- The required spend is ordinary planned spending, not extra cost.
- You close the card before the next annual fee, or you decide keeping it is worth that fee.
- Gift card prices can change. I check them again at renewal time.
Did this help you make a decision?
Terms and evidence
Full current terms
Offer terms
Signup Bonus
100,000 points
Suncorp
Minimum Spend
$4,500
within 90 days (about 3 months)
Offer Expires
June 9, 2025
a year ago
Ongoing Earn Rate
1.25x points per $1 spent
Fees
First Year Annual Fee
$129
Ongoing Annual Fee
$129
From year 2 onwards
Purchase Interest Rate
20.99% p.a.
The value above assumes you pay in full and never pay this. Any interest changes the outcome.
Offer terms history (4 versions — old terms, for checking)
These are published versions of this offer's terms. Each version preserves the conditions available at that time.
Changes from terms version 3
Changes from terms version 2
Changes from terms version 1
First recorded terms
Captures behind the selected terms record — evidence for these terms, not a complete history of the named offer.
Archived notes
Earlier notes about this offer, kept as an archive — not current terms. Note dates are separate from terms publication dates.
- Annual Fee changed from $99 to $1292 years ago
- Expiration changed from 18/06/24 to no expiration, Bonus from 120K to 140K, Spend For Bonus from $3K to $4.5K2 years ago
- Expiration changed from 29/05/24 to 18/06/242 years ago
- Expiration changed from 29/02/24 to 29/05/243 years ago
- Expiration changed from 31/10/23 to 29/02/243 years ago
- Offer extended from "31/07/23" to "31/10/23"3 years ago
- First year annual fee increased from $64 to $994 years ago
- Offer extended to 28 February 20234 years ago
- Offer extended to 30/11/22, first year annual fee lowered from $129 to $64, bonus lowered from 130k to 100k4 years ago
- Offer extended from 15/07/22 to 31/08/224 years ago
- Offer extended from 31/03/22 to 15/07/225 years ago
- Bonus increased from 100,000 to 130,000. First year annual fee increased from $64 to $129. Overall profit increased from $426 to $511.5 years ago
Discussion
About these ended terms (published 5 Feb 2025) — not the current offer.
Community and personal tools
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