• Annual Fee – One of the Suncorp credit card fees you will be charged is an annual fee. This fee is not determined by your Suncorp credit card charges, but it is established when you open the account. The fee for this card is normally charged when you first activate your account. It is charged yearly and may vary depending on how many additional credit cards you have.
• Cash Advance Fee – Suncorp credit card charges are not always just on purchases, but can also be on cash advances. When you use your credit card for a cash advance, you will be charged a fee. This fee is 2.5% of the cash advance and carries with it a $5 minimum transaction fee. This fee is the fee that is charged when making cash advances in Australia. If you are travelling internationally and use your credit card for cash advances you will be charged 1.5% of the purchase amount once the transaction has been converted to Australian dollars. This is one of the Suncorp credit card fees that you need to be aware of especially when travelling. You are not charged any additional fee if you do a cash advance at a Suncorp ATM, but you may be if you do the cash advance at another bank.
• Over limit, dishonour and late fees – When making Suncorp credit card charges be very aware of these specific charges. The over limit fee is $40 and will be charged when your credit card goes over the established limit. If you use your credit card for Suncorp credit card charges and that charge is not honoured, you will be charged a $15 fee. If you miss your payment for a month you will be charged $40. While these fees do not seem large, they can add up extremely fast.
• Other fees – You will be charged $2 for making payments at Australia Post, $14 if you request a statement and $8 if you dispute a transaction (this fee will be reversed if you are found to be correct)

It is very important to understand all these fees before using your Suncorp credit card to make charges. As long as you understand them and are smart about your spending you should never run into a problem with any of these fees.

New customers to Suncorp online banking are navigating their way through the system easily, knowing that their financial information is protected. There are a few steps you can take to make sure your banking remains safe.

Suncorp Credit Cards

Banking online safely with Suncorp

Below are a few simple guidelines on how to conduct online banking. Some of them are applicable for any form of Internet banking, but used in conjunction with your Suncorp account these will ensure the most secure banking with Suncorp experience for you.

• Don’t set your Internet banking page as your homepage or add it to your bookmarks
• Don’t access your Suncorp online banking via an email link
• Don’t access your account from an Internet cafe or any shared computer
• Check that the URL shown in your browser is Suncorp.cardervicesdirect.com.au or alternately internetbanking.suncorpmetway.com.au
• You should always log out of your account
• Get into the habit of checking the last login and transaction history to see if any irregularities have occurred; if you find anything unusual ring 13 11 55
• Allocate a small daily limit on withdrawals from your account

Bank safely by telephone with Suncorp

Below are some guidelines for secure banking with Suncorp by telephone.

• Don’t give anyone your telephone access code
• Be aware that Suncorp will never request your access code by any means
• If you need someone other than you to access your account arrange don’t allow them to make transactions.

Using cards and ATMs safely

• Change your PIN when you get a new card, make it difficult for others to guess and remember it
• Keep your card in a safe and secure place
• Destroy your card as soon as it expires. Cut it up and dispose of it
• When you receive a new card sign the signature strip straight away
• If your card is lost or stolen notify Suncorp immediately

Do not use an ATM if something seems suspicious about the machine or you are not comfortable.

Rapid advances in new developments and technology have ensured that Suncorp is equipped to guarantee the security and safety of customer financial information. By following the advice and tips suggested above you can be confident in keeping your money safe whilst banking online with Suncorp.

Unlike other credit card offers in Australia that solicit a rewards program that usually offers one rewards point for every $5 spent on purchases, the Suncorp rewards program gives Australians the best value at an even exchange of one rewards point for every dollar spent. There is also an option to deviate the rewards points that are accumulated into the Qantas Frequent Flyer program.

The Suncorp Platinum Credit Card

The Suncorp credit card rewards program is offered on their full line of available credit cards. The platinum version of the Suncorp card also offers an enticing annual fee and interest rates. The Suncorp Platinum credit card offers a 3.9% lifetime rate on all balance transfers and a 19.99% rate on daily purchases and cash advances.

This is a rare find to have any credit card offer the same interest rate for purchases and cash advances. This is all coupled with a low annual fee of $205 and the best rewards program of any credit card offer in Australia.

How the Rewards Program Works

The major incentive to attract Australians to the Suncorp cards is the Suncorp credit card rewards program. It offers a unique matching program that allows for one rewards point to be accumulated for every dollar spent on any purchase. These expenditures can be monthly utility bills, loan payments, groceries, entertainment, dining, travel, or any other item that can be paid with a credit card.

The Suncorp rewards also allow for direct transfer of rewards points to either the rewards program or the Qantas Frequent Flyer program. If you are a customer who travels a lot then this is an excellent incentive. The rewards points also have a direct equivalent of dollars spent to rewards points no matter which rewards program you decide to utilise when cashing in for your credit card rewards.

Merchandise for Rewards Program

If you decide to use the standard rewards program there is a wide variety of different merchandise, electronics, various gift card vouchers, travel and flights, and cash back options. If you are a customer who travels often then you will enjoy the equal exchange to frequent flyer points through the Qantas Frequent Flyer program.

All you have to do is book a flight and then call the following number: 13 11 55 to have your rewards account deducted and the money you spent on the flight reimbursed. If you do not have enough points to fully pay for the flight you also have the option to utilise your available points difference and than pay cash for the price difference.

Different Cards for Different Customers

The Suncorp line of credit cards has a variety of options to fit its customers. There are basic cards with slightly higher interest rates and lower balances, but the same rewards program is used throughout the entire card line – to those credit cards such as the Suncorp Platinum card that has industry competitive rates for daily purchases and cash advances and very low lifetime balance transfer rates.

These very attractive card features are meant to encompass the vast majority of Australians and their unique financial diversities. The Suncorp credit card line also has a unique rewards program to fit all of its customers’ needs.

The Suncorp rewards program offers lateral diversity by offering dollar for dollar matches on every dollar spent. For the Australians who love to travel the points can be accumulated and spent on travel. For those that like to shop there is the merchandise and cash option rewards program.

This option again allows each customer to find that perfect reward for his or her own likeness. If there is not any merchandise or shopping vouchers that interest you, and you do not wish to travel; than you are still covered because the Suncorp credit card rewards program allows its customers to take advantage of a cash back option in place of the other options.

Shopping Vouchers and Travel

The normal merchandise program explains itself with a picture and description of a piece of electronic or other merchandise plus the amount of rewards points to appropriate the reward. The shopping vouchers employs the same principle but the customer can choose between general shopping vouchers and vouchers from companies such as Myer and Harvey Norman shopping outlets.

them for flights. The customer is also given the flexibility to utilise as many rewards points as are available and than pay cash for the remaining balance.

The Suncorp Credit Card

Credit cards have become a part of daily life and routines. This is why the Suncorp credit card offers such a diverse and customer friendly credit card rewards program. The average customer in Australia spends about $1500 a month on basic living expenses such as food, fuel, utility payments, etc. If these expenses alone where paid using the Suncorp credit card, then as a Suncorp rewards customer you would have accumulated 1500 rewards points to put towards merchandise, cash back options, flights, or shopping vouchers. There are many options available with the Suncorp credit card line than can be found in a combination of other credit cards.

The Total Rewards Card

Australians are given freedoms and options through the Suncorp credit card rewards program that are not available through other credit card companies. The Suncorp line of credit cards comes with competitive annual fees and interest rates on daily purchases and cash advances, and a world class rewards program.

Every Australian has his or her own particular financial needs. Australians may have to do a lot research into different credit card offers to find a handful that offer some of the incentives that can be found in the Suncorp line of credit cards. They would be even more hard pressed to find one line of credit cards that compares to the benefits, incentives, and rewards program that can be found with the Suncorp credit card.

The Suncorp rewards program has world class features for Australians. The varied features and options collectively cover most financial and personal needs of Australian consumers. Aside from an excellent rewards program, the competitive card rates make the Suncorp credit card a must have for Australian customers.

Features of the Suncorp Clear Options Standard Credit Card

The Suncorp Clear Options standard card was rated five stars for outstanding value, by CANSTAR CANNEX in their November 2009 ratings, so find out more about the deals available from Suncorp for purchases and balance transfers to see how the Clear Options credit card rates for you:

• Wide Visa acceptance and Visa rewards program. The Suncorp Clear Options standard credit card is a Visa card and as such you won’t have any problem using it anywhere in Australia to overseas. As a Visa card holder, you are also eligible for the rewards programs where you receive exclusive deals on the best entertainment experiences, including concerts, cinemas, sporting events and travel offers.
• A low purchase rate. This is an ongoing interest rate offered by Suncorp and there is also no interest free period to worry about either. That means you don’t have to keep track of your purchases and count forward two months to make sure you pay them off in time to avoid a high interest rate, because there isn’t one.
• A annual fee. Additional card holders can be added for a $15 annual fee.
• A credit limit up to $20,000. You’ll never have to miss out on an important purchase with a $20,000 credit limit, however the limit you are assigned will depend on your personal financial details and situation.
• A month balance transfer offer with a % interest rate. You can enjoy a low % interest rate on balances you transfer to a Suncorp Clear Options Standard credit card for a whole year, after which any remaining balances will revert to the cash advance rate of .

How to Apply for a Suncorp Clear Options Standard

If you think the Suncorp Clear Options Standard credit card can offer you the best value for money, or if you want to take advantage of the Suncorp balance transfer deal, you can apply online.

You are eligible to apply if:

• You are 18 years or older.
• Have a good credit rating.
• Earn $20,000 or more.
• Are a permanent Australian resident.
• If you are an existing Suncorp credit card holder, you must have had your existing card for longer than 9 months.

To complete an online application you will need:

• Your personal and contact details.
• Your identification details including your driver’s license or an equivalent identification.
• Your employer’s contact number.
• Your accountant’s contact number if you are elf employed.
• Details of the account you are transferring from, if you are taking advantage of the balance transfer deal.

The choice is clear when it comes to a good value deal on a low interest rate, low fee credit card, so if you are looking for the best value credit card deal, consider the Suncorp Clear Options Standard credit card.

When you do your spending with the Suncorp Clear Options Plus Visa credit card you can earn rewards points from Suncorp, enjoy Visa Entertainment deals and qualify for a host of features and extras for free to make using your credit card easy, affordable and rewarding. Read on to find out if the deals on the Suncorp Clear Options Plus credit card are best for your needs.

Features and Benefits of the Suncorp Clear Options Plus Visa Card

Since this is Suncorp’s ‘plus’ credit card you would be expecting a lot of great additional deals and bonuses with the card – and it doesn’t disappoint. Extra features you can benefit from with the Suncorp Clear Options Visa credit card include:

• Real rewards points that never expire. The rewards programs on other credit cards might as well be invisible for all you see of them. However, where other credit cards will set time limits and spending restrictions on your rewards points, Suncorp offers you the best and most effective way to collect rewards points by ensuring the points you’ve worked hard to collect never expire.This means you won’t be tempted to overspend in a hurry to qualify for more points before a cut off period, and you can instead cash in your rewards points whenever you like to receive merchandise, gift cards, cash back and travel or accommodation offers.
• Visa Entertainment rewards. As a Visa credit card holder you will also be eligible for exclusive ticket offers to sporting events, concerts or shows and may receive a discount, advance notice, or the opportunity to purchase tickets not offered to the general public.
• Insurance and protection included for free. With your Suncorp Clear Options Plus credit card you will also receive free travel insurance included in your credit card deal, as well as purchase protection and extended warranty insurance on purchases you make using your card.
• A day interest free period. Having almost two months to repay purchases you make on your card gives you every opportunity to avoid the purchase interest rate. Cash advances are not eligible for interest free days and are charged interest.
• A low annual fee. For additional card holders you will pay just $15 a year.
• An exclusive online balance transfer offer. You can only take advantage of the Suncorp Clear Options Plus balance transfer offer if you apply online, and as you’re saving time on your application you can also be planning to save money because your transferred balance will earn just .

How to Apply for the Suncorp Clear Options Plus Credit Card

The options of this Suncorp Visa credit may not be the best deal for everyone, however, with a long interest free period, easy to collect and redeem rewards and an extended balance transfer deal to help you get back on track, it is clear the options are worth considering. Luckily once you’ve decided, the Suncorp Cleat Options Plus credit card is just as easy to apply for:

• You will need to be 18 years or older.
• You will need to have a good credit rating.
• You will need to be an Australian permanent resident.
• You will need to earn $20,000 a year or more.
• Depending on your application you could be eligible for a credit limit up to $7,500.

The Suncorp Clear Options Plus Visa credit card makes it easy and safe for you to spend online, over the phone or overseas, while qualifying you for exclusive discount deals and some of the best credit card rewards programs in Australia.

This card offers not only the elite features you would expect to find on any Platinum card, but also the chance to earn points that can be redeemed for valuable rewards.

The privileges offered on the Suncorp Platinum credit card include a 24-hour concierge service, an extended warranty, and exclusive tickets to sightseeing tours, travel and dinner packages, sporting events, news of goals, dance and theater. When you don’t have time to look for the best rates and deals available, the concierge service can do it all for you for free. It is one of the reasons many Australians reach for the Platinum card as their card of choice. This Platinum card really delivers on its value and prestige, which is why it is so popular.

Rewards that can be redeemed with this card include cash back, an optional Qantas Frequent Flyer program, merchandise rewards, gift certificates and vouchers. For every dollar spent, cardholders receive one reward point, or one Qantas Frequent Flyer point if the Qantas option is chosen.

There are a wide range of benefits on the Suncorp Platinum credit card, and one of the best ones is a balance transfer rate set at of the transferred balance. This gives anybody enough time to pay off a large debt that they currently hold on another high-interest card, that had simply seemed impossible to pay off. This gives anyone a chance to get their debt handled.

Credit limits can be set as high as $30,000, and a personal concierge service is provided free of charge seven days a week, 24 hours a day. This service is accessible from anywhere in the world. International travel insurance is also provided for free.

Suncorp Platinum credit card features

• on balance transfers
• standard interest rate.
• Up to 55 days of interest-free shopping.
• annual fee.
• cash advance rate.
• $15 low annual fee for additional cards.
• Annual fee for the Suncorp Qantas Frequent Flyer program is set at a low $19

When all is said and done, the Suncorp Platinum credit card offers something for everyone. There is no better time to take advantage of this card and everything it offers.

This Suncorp Gold card allows a balance to be transferred over at a rate of 1.9% for an entire nine months. This means that the average person can take a little extra time to pay off their debt and still take advantage of all the exclusive offers of a Gold card.

This card is great for people that would like to get a high credit limit. There is a cap of $25,000 for the limit which is a generous offer indeed. Add to that a rewards program, and you have a stand-alone card.

Other benefits of the Suncorp Gold credit card include Fraudshield security protection, international travel insurance that is complementary and purchase cover insurance for damaged, stolen or lost goods. No need to purchase extra insurance, when you are already covered with this card.

The best thing about this rewards card is that the points do not have an expiry date which means they can be accumulated for a large purchase. Most other cards set an expiry date, which means that only smaller purchases can be made which limits your options. It can take some time to collect points for a larger purchase, but it can be fun watching them add up, knowing that the day will soon arrive where they can be redeemed for that special item you have in mind.

Suncorp Gold credit card features

• on balance transfers
• standard interest rate.
• cash advance rate.
• low annual fee.
• $25,000 maximum credit limit, which is great for those that need a higher limit than a regular card can offer.
• $19 annual fee for the Suncorp Qantas Frequent Flyer program.

Collect rewards and redeem them for merchandise, gift certificates and vouchers with the Suncorp Gold credit card. Also enjoy Visa Entertainment special offers for travel, sporting events, cinema and concerts. This is all part of owning this prestigious Gold card.

The Suncorp Gold credit card is the best all-around card when you want something more than a regular credit card can offer, and still want to collect rewards points for valuable services and merchandise. It is easy to apply for online, and will only take a few minutes of your time.